Investor Presentaiton

Capital structures in Nordic banks Dec 31, 2018 • Bank of Åland is heavy on CET1 in its capital base: There is no AT1 in the capital base 24 24 11% 16% 12% 16% 13% 10% 8% 9% 8% 84% 79% 80% 76% 78% Ålandsbanken Swedbank SEB Handelsbanken Nordea T2 AT1 T1 ÀLANDSBANKEN

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