Bank of Åland Q1-Q3 2019 Financial Results

35 55 • Group funding profile September 30, 2019 Demand deposits, time deposits and certificates of deposits from core private customers and their companies are the main funding sources • Strong capitalization • Covered Bonds are the main long term funding instrument 2%9 1% 5 % 2% 7% 22% Deposits Covered Bonds Senior unsecured TLTRO II Short term banks Subordinated Own capital 61 % ÀLANDSBANKEN

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