Bank of Åland Q1-Q3 2019 Financial Results
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Commitment to a strong capital ratio
Bank of Åland is committed to a strong capital ratio
Positive outlook on the rating reflects S&P view that the bank will continue to build up its capital base,
improve and diversify its earnings, and uphold a sound approach to risk over the next two years
Conservative pay-out policy is to safeguard the capital position
The core tier 1 capital ratio for a small bank like Bank of Åland is not comparable to larger banks with IRB
methods. Standard & Poor's rating method considers Bank of Åland well capitalized, giving a rating uplift
of one notch
18,0
16,0
15,2
15,4
15,6
14,2
14,0
12,9
13,0
2,4
2,3
12,1
1,3
4,4
0.9
1,2
12,0
1,2
10,0
8,0
6,0
12,0
10,8
10,9
11,8
12,9
13,0
13,3
4,0
2,0
0,0
2013
2014
2015
2016
2017
2018
Q3 2019
T2
■ CET1
25
25
2014: revised Basel-regulation
ALANDSBANKENView entire presentation