Investor Presentaiton
Bank of Aland has an empty pocket for AT1 capital
•
Within the basic Pillar 1 requirements of 8.0 % total capital of REA, 1.5 % of REA can be AT1 capital
• Of the Pillar 2 requirements added by the Finnish FSA 18.75 % can be AT1 capital from January 1,
2021. The Pillar 2 requirement is today 1.5 % of REA but will be lowered to 1.0 % of REA by
September 30, 2021
In the absence of AT1 capital, the minimum requirement of AT1 capital within T1 capital (today 1.8 %
of REA and as of September 30, 2021 1.7 % of REA) is financed by CET1 capital
⚫ Ålandsbanken has until now not issued any AT1 capital.
• 1.8% of REA as of December 31, 2020 is equal to EUR 30 M
• 1.7% of REA as of December 31, 2020 is equal to EUR 28 M
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