Bank of Åland Q1-Q3 2019 Financial Results

10 8 As of June 30, 2018 (left scale) 6 4 2 ▾ NO (2) 2° Q2 2018 vs Q4 2017, negative change (right (4) scale) (6) Q2 2018 vs Q4 (8) 2017, positive (10) 25 20 • S&P view of the total capital base According to S&P the capital position of Bank of Aland is strong Quality of capital is high • Structure of the balance sheet is of low risk Pay out policy is conservative Nordic Banks--RAC Ratios Before Diversification June 30, 2018 Versus Dec. 31, 2017 39 15 ° 10 เก 5 Islandsbanki Eiendomskreditt Storebrand Bank Arion Bank Sparbanken Sjuharad Landsbankinn Landshypotek Bank Sparbanken Skane tral Bank of Savings Banks Film weg Aktia Bank Danmarks Skibskredit The Mortgage Society of Finland Oma Savings Bank Swedish Export Credit OP Corporate Bank Lansforsakringar Bank Bank of Aland DNB Bank DR Kredit Nykredit Realkredit Nordea Bank SBAB Bank Swedbank Danske Bank Jyske Bank Skandinaviska Enskilda Banken Svenska Handelsbanken *RAC based on financials of a wider group. RAC--Risk-adjusted capital. Source: S&P Global Ratings. Copyright © 2019 by Standard & Poor's Financial Services LLC. All rights reserved. Source: Nordic Banks' Strong Capital Will Cushion Them From The Challenges Ahead, March 28, 2019 26 26 change (right scale) ÀLANDSBANKEN

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