Bank of Åland Q1-Q3 2019 Financial Results

Issuer Cover Pool FIN 1/2 Issuer: Owner: Controlling authority: Long Rating Covered bond Owner Issuer Ålandsbanken Abp Finnish Financial Supervisory Authority S&P Moody's AAA BBB BBB Cover pool FIN Included assets, MEUR Loans Substitute assets Other Total 1 200 126 0 1 326 Type of collateral Single-family housing & flats Multi-family housing Sum Loan volume, MEUR 1197 3 1200 Loan volume, Interest rate type MEUR Floating Fixed 1 161 39 Sum 1 200 Weighted average life, years LTV Level, Mortgage assets Loan volume, MEUR Loan volume, % 45 17,4 ALANDSBANKEN CRR-compliant Fitch Report date Yes 30-09-2019 Cover pool items Number of loans Number of clients Average loan size, TEUR 14 123 8 795 87 Loan MEUR Loan volume, % 550 46 % 141 12% 188 16 % 233 19 % 88 7% 1 200 100 % Loan volume, % 99,8 % 0,3 % 100 % Regional distribution Helsinki region, Southern Finland Tampere region, Pirkanmaa Turku region, Western Finland Aland Islands Other Sum volume, Loan volume, % 97 % 3% 100 % Repayments Amortizing Interest only Sum 0-10% 10-20% 20-30% 30-40% 40-50% 50-60% 13 1% 35 3% 72 6% 122 10 % 188 16% 256 21 % 60-70% 514 43% Loan volume, MEUR Loan volume, % 973 81% 227 19% 1 200 100 % 70+ % 0 0% Sum 1200 100 % ALANDSBANKEN

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