Bank of Åland Q1-Q3 2019 Financial Results

36 36 • • Funding strategy • Covered Bond programme was created in early 2012 in order to diversify funding sources and to form a reliable and cost efficient funding channel EUR- and SEK- denominated Covered Bonds total amount outstanding EUR 1 203 M as of September 30, 2019 Bank of Åland issues also senior unsecured to maintain a balanced funding mix • Themes 2019-2020 • • Demand conditions and the market situation favour issuance in Covered Bonds • The balanced funding mix is maintained Bank of Åland didn't get MREL requirements. There are no foreseen authority or regulatory requirements which would have effect on the funding of the bank ALANDSBANKEN

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