Investor Presentaiton

Bank of Åland in Brief 4 Bank of Åland Plc • • • Established in 1919 on the Åland Islands, listed since 1942 on NASDAQ OMX Helsinki A Finnish bank targeting high net worth and affluent individuals Operations on the Åland Islands, Finnish mainland and Sweden Top-ranked in customer loyalty A long-standing tradition of stability and very low credit losses BBB rating with a positive outlook from S&P • . Create value for ambitious individuals and companies that appreciate relations: Private Banking since 1982 The Vision • IT services by Crosskey Banking Solutions since 2004 Premium Banking since 2004 Partnership Banking since 2016 Delivering a large bank's range of services with a small bank's thoughtfulness and good sense Bank's customer surveys show that also during the Covid-19 pandemic customers continue to appreciate Bank's expertise, personalized service, high ethical standards and sustainability work • Covered Bonds • • • • The Bank of Åland has been active in the covered bond market in SEK and EUR since 2012 Two Cover Pools: Cover Pool SWE consists of 100 % Prime Swedish residential mortgages and Cover Pool FIN consists of 100% Finnish and the Åland Islands' residential mortgages Clear concentration to the growth centres and the wealthiest parts of Sweden and Finland Published commitment to a strong over-collateralization and six months liquidity AAA (stable) rating from S&P on both Cover Pool SWE and Cover Pool FIN ÀLANDSBANKEN

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