Investor Presentaiton
5
Scorecard
Capital
•
S&P rating uplift for strong capital position
Common Equity Tier 1 capital ratio 13.0% as
of Dec 31, 2018
IRB method for credit risk capital requirement
not yet approved for the Swedish credit
portfolio
Liquidity and Funding
•
.
Core funding ratio of 90 % as of Dec 31, 2018
Liquidity reserve at 22 % of total assets as of
Dec 31, 2018
LCR at 120 % as of Dec 31, 2018
NSFR at 113 % as of Dec 31, 2018
AAA rating on Covered Bonds
Risk Management
.
Long history of having the lowest loan loss
level of all Finnish banks. Loan loss level was
0.02% in 2018.
• No trading positions or complex financial
instruments
Strict limits on exposures to financial
institutions. Bulk of the exposure is to highly
rated Nordic entities
•
•
Profitability
Challenging interest rate environment
Positive earnings trend
Net operating profit of EUR 29 M 2018
Return on equity 9.8 % 2018
ÀLANDSBANKENView entire presentation