Investor Presentaiton
Commitment to a strong capital ratio
• Bank of Åland is committed to a strong capital ratio.
•
Positive outlook on the rating reflects S&P view that the bank will continue to build up its capital
base, improve earnings, and uphold a sound approach to risk over the next two years
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.
2
27
12,9 % 12,8 %
12,0% 11,8%
10,9% 10,8% 10,9%
8,3 %
ÀLANDSBANKEN
2011
2012 2013
2014
2015
2016
2017
Q2 2018
■CET1 ratioView entire presentation