Investor Presentaiton

Commitment to a strong capital ratio • Bank of Åland is committed to a strong capital ratio • • The bank will continue to build up its capital base, improve and diversify earnings, and uphold a sound approach to risk 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 to have strong risk-adjusted capitalization 29 29 16.7 15.4 15.8 14.2 2.2 12.9 0.9 13.0 1.3 2.4 2.4 1.2 12.0 11.8 12.9 13.0 13.4 14.5 2015 2016 2017 2018 2019 Q2 2020 ■T2 ■CET1 ALANDSBANKEN

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