Bank of Åland Q1-Q3 2019 Financial Results

Geographical distribution of mortgage lending • Clear concentration to the wealthiest parts of Finland and Sweden As of September 30, 2019 approximately • 70% of the loan portfolio in Finland • 30% of the loan portfolio in Sweden • According to the business plan growth in the coming years will be mainly in Sweden 32 32 Gothenburg 12% Vaasa 3 % Stockholm 70% Tampere 12% Malmö 12 % Åland Islands 20 % Turku 15% Helsinki 46 % ALANDSBANKEN

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