Investor Presentaiton

23 S&P view of the total capital base • According to S&P the capital position of Bank of Aland is strong • Quality of capital is high Structure of the balance sheet is of low risk • Pay out policy is conservative Nordic Banks: RAC Ratios On Dec. 31, 2017, Versus June 30, 2017 30 15 2250 (%) 10 Landshypotek Bank Eiendomskreditt Storebrand Bank Gjensidige Bank Islandsbanki Arion Bank Landsbankinn Sparbanken Sjuharad Danmarks Skibskredit Sparbanken Skane Bonum Bank* Swedish Export Credit Central Bank of Savings Banks Finland* Oma Savings Bank Bank Norwegian The Mortgage Society of Finland Aktia Bank OP Corporate Bank* Bank of Aland Lansforsakringar Bank DNB Bank DLR Kredit Swedbank SBAB Bank ☐ Nykredit Realkredit Nordea Bank _ Danske Bank Skandinaviska Enskilda Banken Jyske Bank Svenska Handelsbanken 4.0 3.0 2.0 1.0 0.0 -1.0 -2.0 -3.0 (percentage points) ■Before diversification, Dec. 31, 2017 (left scale) -4.0 ■Before diversification, year- end 2017 versus June 30, 2017 (right scale) *RAC based on financials of a wider group. Source: Standard & Poor's: Nordic Banks Sport Strong Capital - And It's Not Likely To Soften, October 17, 2018 ÀLANDSBANKEN

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