Ålandsbanken (ALBAV) Investor presentation summary

Strategy and market position

• Founded in 1919; operates across the Åland Islands, mainland Finland and Sweden, targeting high-net-worth and affluent clients outside the Åland Islands.

• Actively managed assets reached a record EUR 12.5bn at Sep. 30, 2026, on strong net inflows.

• EPSI 2026 ranked the bank #1 for sustainability, service quality, trust and loyalty, and #2 for overall satisfaction at 81.4 vs. the 73.4 industry average.

• Swedish growth included new Haparanda and Luleå offices; Ålandsbanken Global Aktie was selected for Sweden’s premium pension platform in a procurement covering ~SEK 200bn in assets.

Performance

• 9M 2026 income was EUR 163.4m vs. EUR 163.9m; expenses were EUR 117.9m vs. EUR 112.3m; net operating profit was EUR 45.6m vs. EUR 51.0m.

• 9M ROE was 15.8% vs. 18.4%; earnings per share were EUR 2.36 vs. EUR 2.71.

• 2026 outlook: ROE after taxes expected to exceed the 15% long-term target, subject to fixed-income and equity market performance; economic uncertainty affected the forecast.

Capital

• At Sep. 30, 2026, CET1 was 12.4% vs. a 9.1% requirement, a 3.4 pp surplus; total capital was 16.9% vs. 13.0%, a 3.9 pp surplus.

• Capital policy targets a CET1 ratio 1.75–3.0 pp above the FIN-FSA minimum and annual dividends of at least 60% of profit, subject to capital adequacy.

• Dividends were EUR 2.75 per share for 2025 and EUR 0.75 per share for H1 2026.