Bank of Åland Q1-Q3 2019 Financial Results

• • • 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 Every business area (Åland Islands, Finland and Sweden) should have a balanced growth in lending versus deposits At least half of the lending in every business area should be residential mortgages or have residential property as collateral Many small loans are preferred to few large loans 29 29 ALANDSBANKEN

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