Investor Presentaiton

4 • Bank of Åland in brief Bank of Åland Plc • A Finnish bank targeting high net worth and affluent individuals • Top ranked in customer loyalty • Tradition of stability and very low credit losses • BBB rating with a positive outlook from S&P Covered bonds program • EUR 2 bn combined covered bond/senior Medium Term Note program 2017 (Finnish law) • Two cover pools: Cover Pool FIN and Cover Pool SWE • Issuance under Finnish Covered Bond Legislation · Legal LTV cap at 70% and minimum 2% over-collateralization • Published commitment to a strong over-collateralization and six months liquidity in the program • AAA (stable) rating from S&P on both Pool FIN and Pool SWE covered bonds ALANDSBANKEN

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