Investor Presentaiton

• Lending strategy Bank of Åland is a relationship bank with primary focus on customers with investment needs in the Private Banking and Premium Banking segments. Serving the core customers' credit needs are part of our commitment. • Bank of Åland is not granting credits as a stand alone product to mass market clients or corporate clients. • Every business area (Åland Islands, Finland and Sweden) should have a balanced growth in lending versus deposits. • At least half of the lending in every business area should be residential mortgages or have residential property as collateral. • Many small loans are preferred to few large loans. 32 32 ALANDSBANKEN

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