Investor Presentaiton

• S&P View of the Total Capital Base According to S&P the capital position of Bank of Aland is strong · Strong risk-adjusted capitalization • Low credit losses • RAC ratio remains a rating strength to Bank of Åland 30 25 20 % 15 Nordic Banks' RAC Ratios On Dec. 31, 2018 Versus June 30, 2018 O 10 5 0 Arion Bank Islandsbanki hf Landsbankinn hf. Eiendomskreditt AS Storebrand Bank ASA Bank Norwegian AS Sparbanken Skane Landshypotek Bank AB Oma Savings Bank PLC Danmarks Skibskredit A/S Sparbanken Sjuharad AB Central Bank of Savings Banks... Bonum Bank Swedish Export Credit Corp. The Mortgage Society of Finland 7 Aktia Bank PLC OP Financial Group Lansforsakringar Bank 7 DNB Bank ASA DLR Kredit A/S Bank of Aland PLC Swedbank AB SBAB Bank AB (publ) T Nordea Bank Abp Nykredit Realkredit A/S Skandinaviska Enskilda Banken AB... 7 Jyske Bank A/S Danske Bank A/S Svenska Handelsbanken AB Source: Nordic Banks' Capital And Earnings Can Weather The Weakening Credit Cycle, November 14, 2019 гото 51321012345 % ■As of Q4 2018 (left scale) Q4 2018 versus Q2 2018 (right scale) 30 ALANDSBANKEN

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