Bank of Åland Financial Overview

M EUR 4 500 4000 3500 3.000 2 500 2000 1500 1000 36 36 500 • • Balanced growth in the credit portfolio Total lending to the public was EUR 4 020 M Mar 31 2018, an increase of 5 percent from a year ago . • . Selective lending to high quality borrowers Asset quality prioritised over lending volume growth and higher returns Lending must always be made in consideration of safeguarding Bank of Åland's strong brand and market reputation Loan loss level 0.02 percent in Q1 2018 0 2009 2010 2011 2012 2013 2014 2015 2016 2017 Q1 2018 Public and non-profit sector Companies Private individuals M EUR 1 200 1000 800 Σ 600 400 200 0 2009 2010 2011 2012 2013 2014 2015 2016 2017 01 2018 Other industry and crafts Construction Agriculture, forestry and fishing Other service operations Hotel and restaurant operations Financial and insurance operations Other real estate operations ■■Housing operations ■■■Wholesale and retail trade Shipping ÀLANDSBANKEN

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