Bank of Åland Q1-Q3 2019 Financial Results

47 Cover Pool SWE 1/2 Issuer Issuer: Owner: Controlling authority: Long Rating Covered bond Owner Issuer Cover pool SWE Included assets, MSEK Loans Substitute assets Other Total Type of collateral Single-family housing & flats Multi-family housing Sum Ålandsbanken Abp Finnish Financial Supervisory Authority S&P Moody's AAA BBB BBB 5 216 0 10 5 216 Loan volume, MSEK 5 216 0 5216 Loan volume, % 100,0 % 0,0 % 100% Loan volume, Interest rate type Floating MSEK 4688 Loan volume, % 88,9 % Fixed 528 Sum 5 216 11,1 % 100 % Weighted average life, years LTV Level, Mortgage assets Loan volume, MSEK Loan volume, % ÀLANDSBANKEN CRR-compliant Yes Fitch Report date 35,7 0-10% 10-20% 20-30% 16 99 206 0% 2 % 4% 30-09-2019 Cover pool items Number of loans Number of clients Average loan size, TSEK 2 100 1355 2 508 Loan volume, Regional distribution Stockholms län MSEK Loan volume, % 3 798 72,8 % Skåne län 533 10,2% Västra Götalands län 601 11,5 % Other 284 5,4% Sum 5216 100 % Repayments Amortizing Interest only Sum Loan volume, MSEK Loan volume, % 1807 26,1% 3 409 5 216 73,9 % 100 % 30-40% 440 8% 40-50% 50-60% 1011 1 034 19 % 20% 60-70% 2410 46 % 70+% Sum 0 5 216 0% 100% ÀLANDSBANKEN

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