Investor Presentaiton

Standard & Poor's Rating on the Bank of Åland Finnish banks Business position A- -2 - Despite some geographic diversification, concentrated business focus on retail and private banking makes it vulnerable to cyclical swings in the segments Capital and earnings - Strong capital position - Strong earnings Risk position - Small customer base with concentration risks - Moderate geographic diversity Liquidity and funding - Stable core deposit base The 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 The Bank of Åland Covered Bonds rating 6 +1 -1 0 BBB positive +9 AAA stable ALANDSBANKEN

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