Bank of Åland Financial Overview

44 Liquidity position • Very high quality in liquidity reserves • • The most liquid and tradable assets ⚫ LCR target reached • Coordinated cash pools between Finland and Sweden · Conservative approach to market risk within liquidity reserves . Assets with short duration • Well diversified counterparty risk profile • LCR 146 % as of 31 Mar 2018 • NSFR 106 % as of 31 Mar 2018 Composition of the liquidity reserve 31.3.2018 EUR M 31.3.2018 of total 31.12.2017 EUR M 31.12.2017 of total Cash and central banks 421,1 44% 523,8 49 % Bonds issued by governments and official institutions 179,4 19% 131,7 12% Bonds issued by financial institutions 0,0 0% 0,0 0% Covered bonds 332,3 35% 342,7 32% Deposits 26,7 3 % 67,4 6% 959,6 100 % 1065,6 100 % ÀLANDSBANKEN

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