Investor Presentaiton

. Lending Strategy Bank of Åland is a relationship bank with primary focus on customers with investment needs in the Private Banking and Premium Banking segments. Serving the core customers' credit needs are part of our commitment . Bank of Åland is not granting credits as a standalone product to mass market clients or corporate clients • To have balanced growth in lending versus deposits in every business area (Åland Islands, Finland and Sweden) • To have residential mortgages or residential property as collateral in at least half of the lending in every business area 35 Many small loans are preferred to few large loans ÀLANDSBANKEN

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