Investor Presentaiton
28
Lending Strategy Focused on Balanced Credit Growth
Many small loans are preferred to a few large
Loan loss level of 0.03 % in Q1 2023 (0.16 % in Q1 2022)
Lending to the Public, EUR M
6000
5000
4000
3000
2000
1000
0
The Bank of Åland is a relationship bank with the primary focus on customers with
investment needs in the Private Banking and Premium Banking segments
Selective lending to high quality, affluent clients, where asset quality is prioritised
over lending volume growth and higher returns
The Bank of Åland is not granting credits as a standalone product to mass market clients or
corporate clients
Balanced growth in lending versus deposits in every business area
•
Residential mortgages or property as collateral in at least half of the lending
Stage 3 Credits 2021-2023
70
1.55
1.40
1.62
1.61
1.8
1.6
1.37
1.19
1.23
1.4
60
1.01
1.2
50
0.92
1.0
0.8
0.6
0.4
10
0.2
0.0
83200
≥ 40
EUR M
2013
2014
2015
2016
ÀLANDSBANKEN
2017
2018
2019
2020
2021
2022
Q1 2023
1400
1200
1000
800
Public and non-profit sector
600
■Companies
400
Private individuals
200
0
Q1 2021
Q2 2021
Q3 2021
Q4 2021
Q1 2022
Lending to Companies, EUR M
I Stage 3 credits, EUR M
Share of Stage 3 credits of total lending, %
2013
2014
2015
2016
2017
2018
2019
2020
2021
2022
Q2 2022
Q3 2022
Q4 2022
Q1 2023
Other service operations
Other industry and crafts
Construction
I Agriculture, forestry and fishing
Hotel and restaurant operations
Financial and insurance operations
Other real estate operations
Housing operations
Wholesale and retail trade
■Shipping
Going our own way
Q1 2023View entire presentation