Investor Presentaiton
Commitment to a strong capital ratio
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Bank of Åland is committed to a strong capital ratio
Positive outlook on the rating reflects S&P view that the bank will continue to build up its capital
base, improve earnings, and uphold a sound approach to risk over the next two years
Conservative pay-out policy is to safeguard the capital position
The core tier 1 capital ratio for a small bank like Bank of Åland is not comparable to larger banks
with IRB methods. Standard & Poor's rating method considers Bank of Åland well capitalized,
giving a rating uplift of one notch
16%
15.2%
15.4%
14.2%
12.9%
12.1%
4.4%
0.9%
13.0%
1.2%
2.4%
1.3%
12%
1.2%
8%
10.8%
10.9%
12.0%
12.9%
13.0%
11.8%
4%
0%
2013
2014
2015
2016
2017
2018
■T2
■CET1
22
22
2014: revised Basel-regulation
ÀLANDSBANKENView entire presentation