Investor Presentaiton

. Lending Strategy Bank of Åland is a relationship bank with primary focus on customers with investment needs in the Private Banking and Premium Banking segments. Serving the core customers' credit needs are part of our commitment Bank of Åland is not granting credits as a standalone product to mass market clients or corporate clients • To have balanced growth in lending versus deposits in every business area (Åland Islands, Finland and Sweden) . To have residential mortgages or residential property as collateral in at least half of the lending in every business area • Many small loans are preferred to few large loans 32 32 ALANDSBANKEN

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