Bank of Åland Q1-Q3 2019 Financial Results

39 • Liquidity position Very high quality in liquidity reserves • The most liquid and tradable assets LCR target reached • Coordinated cash pools between Finland • and Sweden Conservative approach to market risk within liquidity reserves . Assets with short duration . Well diversified counterparty risk profile LCR 163 % as of 30 September, 2019 NSFR 117 % as of 30 September, 2019 Composition of the liquidity reserve Cash and central banks Bonds issued by governments and official institutions Bonds issued by financial institutions Covered bonds Deposits 30.9.2019 30.9.2019 31.12.2018 31.12.2018 EUR M of total EUR M of total 380 32 % 507 42% 135 11 % 158 13% 91 8% 24 2% 587 49 % 471 39 % 34 3 % 36 3% 1227 100 % 1195 100 % ÀLANDSBANKEN

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