Investor Presentaiton

36 36 Commitment to high OC and strong liquidity • • • Bank of Åland is committed to an over-collateralization clearly over the legislative minimum of 2 %. Over-collateralization is kept to a level that allows the maximum uplift of 4 notches in Standard & Poor's Covered Bonds rating framework* or an AAA rating on the Covered Bonds. At Dec 31, 2018: actual OC 56.7 %, minimum committed OC 30.9% Bank of Åland is committed to maintain a liquidity buffer covering 180 days contractual outflows from the Covered Bonds issued. The liquidity buffer consists of contractual inflows and liquid assets in the cover pool Standard & Poor's: Covered Bonds Criteria 9.12.2014 ÀLANDSBANKEN

View entire presentation