Investor Presentaiton

29 29 S&P view of the total capital base • According to S&P the capital position of Bank of Aland is strong • • • Quality of capital is high Structure of the balance sheet is of low risk Pay out policy is conservative Nordic Banks--RAC Ratios On June 30, 2017 Versus Dec. 31, 2016* 30 25 20 15 10 in 5 0 ■RAC ratio before diversification--June 30, 2017 (%) (left scale) ■RAC ratio before diversification--Q2 2017 vs. 04 2016 (%) (right scale) Eiendoms kreditt Lands hypotek Bank Storebrand Bank Gjensidige Bank Islandsbanki Swedbank Sjuhärad Danmarks Skibskredit Arion Bank POP Bank Group Landsbankinn Sparbanken Skane] Swedish Export Credit Savings Banks Group Finland Mortgage Society of Finland Aktia Bank DLR Kredit SBAB Bank OP Financial Group Lansforsakringar Bank DNB Bank Swedbank Bank of Aland Bank Norwegian Nykredit Realkredit Nordea Bank Danske Bank Skandinaviska Enskilda Banken Svenska Handelsbanken Jyske Bank 2.5 2.0 1.5 1.0 0.5 0.0 (0.5) (1.0) RAC--Risk-adjusted capital. *Figures use 2017 risk-adjusted capital methodology. framework Copyright ©2018 by Standard & Poor's Financial Services LLC. All rights reserved. ÀLANDSBANKEN

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