Bank of Åland Financial Overview

Commitment to a strong capital ratio • • • Bank of Åland is committed to a strong capital ratio. S&P regards Bank of Åland's capital position as "strong" 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 at the current CET1 ratio level. 22 27 12,9% 12,0% 12,5% 11,8 % 10,9% 10,8% 10,9% 8,3% ÀLANDSBANKEN 2011 2012 2013 2014 2015 2016 2017 Q1 2018 CET 1 ratio

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