Investor Presentaiton

S&P Views Bank of Åland's Capital Position to be a Credit Strength S&P highlights that Bank of Åland's strong capital position is a credit strength Key strengths according to S&P Nordic Banks' RAC Ratios On Dec. 31, 2021, Compared With Dec. 31, 2020 25.0 • Strong risk-adjusted capitalization 20.0 • Low credit losses 3.0 15.0 The upgrade on the Bank's long-term issuer credit rating from BBB to BBB+ reflects S&P's forecast that Bank of Åland's capitalization will strengthen sustainably through 2024. S&P expects that the Bank's RAC ratio will improve to 15-16 % over the next two years from 14.5 % as of June 30, 2022 10.0 5.0 26 ÅLANDSBANKEN 0.0 <Norweg SBG Finland* Sparbanken Sjuharad Swedish Export Credit Islandsbanki Landsbankinn Sparbanken Skane Hypo§ POP Bank Group Lansforsakningar Bank Arion Bank OP Financial Group Landshypotek Bank S-Bank Swedbank DLR Kredit DNB Bank Jyske Bank SBAB Bank Bank of Aland Danske Bank Nordea Bank Handelsbanken Oma Savings Bank Nykredit Realkredit SEB Aktia Bank 7.0 Year-end 2021 (left scale) 5.0 Year-end 2020 1.0 -1.0 -3.0 -5.0 -7.0 Percentage ge points Change between 2020-2021 (right scale) Going our own way

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