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Investor Presentaiton

Committed to Maintaining a Strong Capital Ratio The Bank of Åland is committed to a strong capital ratio The Bank will continue to build up its capital base, improve and diversify earnings, and uphold a sound approach to risk • Conservative pay-out policy is to safeguard the capital position As of 2022, the standardised 26.5 per cent upward adjustment in the risk exposure amount, calculated according to the current IRB approach while awaiting an updated approach, was raised to 45.5 per cent for the retail portfolio The countercyclical buffer requirement for Swedish exposures is currently 1.0 per cent but will be raised to 2.0 per cent starting in June 2023. For Finnish exposures, the requirement remains at 0.0 per cent. In Finland, a systemic risk buffer of 1.0 per cent will be re-imposed starting on April 1, 2024 On March 29, 2023, the Annual General Meeting (AGM) approved the distribution of a dividend of EUR 2.05 per share for the financial year 2022 (a regular dividend of EUR 1.60 plus an extra dividend of EUR 0.45), subtracted from the Bank's CET1 capital ratio on December 31, 2022 CET1 capital ratio for a small bank like the Bank of Åland is not comparable to larger banks with IRB methods 25 ÀLANDSBANKEN Capital position, % 16.5 16.5 15.8 15.4 15.2 2.2 2.5 2.4 1.8 1.5 85 1.6 1.6 99 1.6 T2 14.3 AT1 13.4 12.1 12.0 12.4 CET1 2019 2020 2021 2022 Q1 2023 Going our own way
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