Bank of Åland Q1-Q3 2019 Financial Results

6 Standard & Poor's rating on Bank of Åland Finnish banks A- Business position -2 - Niche bank with geographical concentration to Finland and Sweden Capital and earnings +1 - Strong capital position positive - Strong equity to assets ratio Risk position - Geographical concentration to Finland and Sweden - Small customer base with concentration risks Liquidity and funding -Above average with very strong deposit base Bank of Åland stand alone rating Cover Pool FIN, Cover Pool SWE - Very low credit losses and stable loan base - Commitment to strong over-collateralization - Commitment to six months liquidity buffer Bank of Åland Covered Bonds rating -1 0 BBB positive +9 AAA ALANDSBANKEN

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