SpareBank 1 Covered Bond Programme - Investor Report March 2015 Public Covered Bonds Outstanding:
|
|
|
- Lynn Bates
- 7 years ago
- Views:
Transcription
1 SpareBank 1 Covered Bond Programme - Investor Report March 2015 Public Covered Bonds Outstanding: Series Amount (Mill) Issued Expected Final Maturity Rating Interest Basis Frequency ISIN Swap rate FX EUR Series 6/2013 1, / / 2020 AAA / Aaa 1.50% Fixed Rate Annually XS Series 5/ / / 2018 AAA / Aaa Floating Rate Semi-annually XS Series 4/2013 1, / / 2020 AAA / Aaa 1.50% Fixed Rate Annually XS Series 5/2012 1, / / 2018 AAA / Aaa 1.25% Fixed Rate Annually XS Series 1/2012 1, / / 2019 AAA / Aaa 2.75% Fixed Rate Annually XS series 9/2011 1, / / 2016 AAA / Aaa 2.375% Fixed Rate Annually XS Series 6/2011 1, / / 2021 AAA / Aaa 3.375% Fixed Rate Annually XS Series 1/2011 1, / / 2021 AAA / Aaa 4% Fixed Rate Annually XS Series 14 1, / / 2015 AAA / Aaa 2.5% Fixed Rate Annually XS Series 12 1, / / 2017 AAA / Aaa 3.25% Fixed Rate Annually XS USD Series 2/2013 1, / / 2018 AAA / Aaa 1.25% Fixed Rate Semi-annually XS Series 7/2012 1, / / 2019 AAA / Aaa 1.75% Fixed Rate Semi-annually XS Series 2/2012 1, / / 2017 AAA / Aaa 2.30% Fixed Rate Semi-annually XS Series 2/2011 1, / / 2016 AAA / Aaa 2.625% Fixed Rate Semi-annually XS NOK Series 2/2015 2, / / 2021 AAA / Aaa 1.50% Fixed Rate Annually NO Series 1/2015 4, / / 2021 AAA / Aaa Floating Rate Quarterly NO Series 1/ / / 2020 AAA / Aaa 1.90% Fixed Rate Annually NO Series 1 / , / / 2020 AAA / Aaa Floating Rate Quarterly NO Series 6/2012 5, / / 2019 AAA / Aaa Floating Rate Quarterly NO Series 4/2012 2, / / 2019 AAA / Aaa 3.40% Fixed Rate Annually NO Series 12/ / / 2016 AAA / Aaa 3.65 % Fixed Rate Annually NO Series 10/2011 3, / / 2016 AAA / Aaa Floating Rate Quarterly NO Series 7/2011 1, / / 2026 AAA / Aaa 4.75% Fixed Rate Annually NO Series 5/2011 5, / / 2018 AAA / Aaa Floating Rate Quarterly NO Series 4/2011 3, / / 2022 AAA / Aaa 5% Fixed Rate Annually NO Series 3/2011 1, / / 2017 AAA / Aaa Floating Rate Quarterly NO Series 15 2, / / 2015 AAA / Aaa Floating Rate Quarterly NO Series 13 4, / / 2016 AAA / Aaa Floating Rate Quarterly NO Series 6 2, / / 2017 AAA / Aaa 5.95% Fixed Rate Annually NO Series / / 2018 AAA / Aaa 6.015% Fixed Rate Annually NO Series 3 1, / / 2018 AAA / Aaa 5.95% Fixed Rate Annually NO SEK Series 3/ / / 2022 AAA / Aaa 3.25% Fixed Rate Annually NO SB1 Reporting Contact Eivind Hegelstad, Investor Relations eivind.hegelstad@sparebank1.no Phone: Currency and interest rate risks which arise from non-nok denominated and/or fixed rate bonds are mitigated through swap contracts. All cash flows are swapped back to a NOK denominated 3 months NIBOR basis. The list reflects transactions beyond the reporting date (previous quarter-end) if any has occured
2 SpareBank 1 Boligkreditt AS Covered Bond Programme - Quarterly Investor Report: 1st Quarter 2015 Date of Report: 31/03/15 Portfolio Characteristics Total Outstanding Current Balance of Mortgages in the Portfolio NOK 163,191,935,688 Number of Mortgages in Pool 136,032 Average Loan Balance NOK 1,199,658 Weighted Average Current LTV (Indexed) (%) 50.5 % Weighted Average Original LTV (Non-Indexed) (%) 57.3 % Weighted Average Current Seasoning (in Months) 38.4 Weighted Average Interest Rate (%) 3.3 % Weighted Average remaining term of Mortgages (in Months) Weighted Average remaining term of Covered Bonds (in Months) 44.7 Percentage of non first lien mortgages in the pool 0.0 % Cover Pool (as per the financial statements) NOK 172,027,691,000 Covered Bonds Outstanding (as per the financial statements) NOK 154,539,406,000 Percentage Substitute Assets (as per the financial statements) 4.8 % Overcollateralisation (as per the financial statements) % Overcollateralisation if house prices drop by 15% % Current Arrears Breakdown Number % of Total Number Amount % of Total Amount Current 0 < month arrears <= 1 * % NOK 488,264, % 1 < months arrears <= % NOK 12,773, % 2 < months arrears <= % NOK % > 3 months arrears % NOK % Total % NOK 501,037, % * 0 < month arrears <= 1, starts after 10 days Current Arrears Breakdown (by Indexed LTV) Number % of Total Number Amount % of Total Amount 0 < month arrears <= 1, LTV <= 75% % NOK 468,377, % 1 < months arrears <= 2, LTV <= 75% % NOK 12,773, % 2 < months arrears <= 3, LTV <= 75% % NOK % > 3 months arrears, LTV <= 75% % NOK % 0 < month arrears <= 1, LTV > 75% % NOK 19,887, % 1 < months arrears <= 2, LTV > 75% % NOK % 2 < months arrears <= 3, LTV > 75% % NOK % > 3 months arrears, LTV > 75% % NOK % Total % NOK 501,037, % * 0 < month arrears <= 1, starts after 10 days Current LTV (Indexed) Number % of Total Number Amount % of Total Amount 0 <= x <= 30% 41, % NOK 24,184,208, % 30 < x <= 35% 9, % NOK 9,556,838, % 35 < x <= 40% 9, % NOK 10,098,735, % 40 < x <= 45% 9, % NOK 11,469,569, % 45 < x <= 50% 10, % NOK 13,717,056, % 50 < x <= 55% 11, % NOK 16,085,900, % 55 < x <= 60% 12, % NOK 20,425,847, % 60 < x <= 65% 12, % NOK 21,846,179, % 65 < x <= 70% 13, % NOK 22,916,140, % 70 < x <= 75% 4, % NOK 8,430,468, % 75 < x <= 80% 1, % NOK 2,675,813, % 80 < x <= 85% % NOK 1,050,008, % 85 < x <= 90% % NOK 487,247, % x> % NOK 247,921, %
3 Original LTV (Non-Indexed) Number % of Total Number Amount % of Total Amount 0 <= x <= 30% 26, % NOK 13,465,588, % 30 < x <= 35% 7, % NOK 5,992,699, % 35 < x <= 40% 8, % NOK 7,593,346, % 40 < x <= 45% 7, % NOK 8,303,558, % 45 < x <= 50% 9, % NOK 10,307,806, % 50 < x <= 55% 9, % NOK 11,865,556, % 55 < x <= 60% 13, % NOK 19,007,958, % 60 < x <= 65% 10, % NOK 15,392,380, % 65 < x <= 70% 25, % NOK 42,298,613, % 70 < x <= 75% 18, % NOK 28,964,427, % 75 < x <= 80% % NOK % 80 < x <= 85% % NOK % 85 < x <= 90% % NOK % x> % NOK % Regional Distribution Number % of Total Number Amount % of Total Amount AKERSHUS 9, % NOK 15,737,944, % AUST AGDER % NOK 566,392, % BUSKERUD 7, % NOK 8,468,317, % FINNMARK 3, % NOK 3,779,131, % HEDMARK 14, % NOK 11,704,964, % HORDALAND 2, % NOK 4,041,029, % MØRE OG ROMSDAL 7, % NOK 8,677,003, % NORD TRØNDELAG 7, % NOK 7,087,073, % NORDLAND 9, % NOK 9,108,911, % OPPLAND 3, % NOK 3,828,266, % OSLO 11, % NOK 16,726,298, % ROGALAND 19, % NOK 28,091,467, % SOGN OG FJORDANE % NOK 233,828, % SPITSBERGEN % NOK 46,433, % SØR TRØNDELAG 12, % NOK 16,468,647, % TELEMARK 5, % NOK 5,304,644, % TROMS 8, % NOK 9,238,809, % VEST AGDER 2, % NOK 2,377,760, % VESTFOLD 5, % NOK 6,126,105, % ØSTFOLD 4, % NOK 5,578,907, % Repayment Type Number % of Total Number Amount % of Total Amount Repayment 88, % NOK 107,198,583, % Revolving 47, % NOK 55,993,351, % [Other] Seasoning in Months Number % of Total Number Amount % of Total Amount 0 <= x <= 12 16, % NOK 23,846,138, % 12 < x <= 18 10, % NOK 14,938,447, % 18 < x <= 24 14, % NOK 21,282,045, % 24 < x <= 30 13, % NOK 18,873,932, % 30 < x <= 36 13, % NOK 16,912,284, % 36 < x <= 42 10, % NOK 12,466,259, % 42 < x <= 48 9, % NOK 10,810,696, % 48 < x <= 54 6, % NOK 7,115,173, % x > 54 41, % NOK 36,946,958, % Remaining Term in Months Number % of Total Number Amount % of Total Amount 0 <= x <= 36 2, % NOK 425,572, % 36 < x <= 72 4, % NOK 1,654,742, % 72 < x <= 108 6, % NOK 3,117,878, % 108 < x <= 144 6, % NOK 4,425,171, % 144 < x <= 180 8, % NOK 7,329,087, % 180< x <= , % NOK 18,551,198, % 216 < x <= , % NOK 24,820,650, % 252 < x <= , % NOK 52,974,153, % 288 < x <= , % NOK 25,139,507, % 324 < x <= , % NOK 24,551,213, % x > % NOK 202,758, % Mortgage Size NOK Number % of Total Number Amount % of Total Amount 0 <= x <= , % NOK 3,173,904, %
4 < x <= , % NOK 3,047,855, % < x <= , % NOK 3,791,190, % < x <= , % NOK 11,315,165, % < x <= , % NOK 14,717,561, % < x <= , % NOK 34,684,402, % < x <= , % NOK 31,567,293, % < x <= , % NOK 36,866,326, % x > , % NOK 24,028,235, %
5 Mortgage Payment Frequency Number % of Total Number Amount % of Total Amount Annually % NOK 140,903, % Bi-monthly % NOK 4,461, % Monthly 134, % NOK 162,168,579, % Quarterly % NOK 652,386, % Semi-Annually % NOK 222,695, % Tri-annually % NOK 2,909, % Interest Payment Type Number % of Total Number Amount % of Total Amount Fixed Variable 136, % NOK 163,191,935, % Tracker Capped [Other] 10 Largest Loans Number Type of loan Amount % of Total Amount 1 1 Private residential mortgage NOK 12,000, % 2 1 Private residential mortgage NOK 12,000, % 3 1 Private residential mortgage NOK 11,975, % 4 1 Private residential mortgage NOK 11,938, % 5 1 Private residential mortgage NOK 11,609, % 6 1 Private residential mortgage NOK 11,583, % 7 1 Private residential mortgage NOK 11,500, % 8 1 Private residential mortgage NOK 11,500, % 9 1 Private residential mortgage NOK 11,400, % 10 1 Private residential mortgage NOK 10,598, % Total 10 NOK 116,105, %
6 Substitute collateral ** Total balance (NOK) Total balance 8,766,356,592 Currency breakdown (in NOK) Total NOK 5,873,567,799 Total EUR 2,885,274,874 Total SEK - Total USD 7,513,919 By Type of Exposure: Norw. Gov. Bills 250,000,000 Currency and interest rate risks which arise from non-nok denominated and/or fixed rate bonds Sub Sovereign & Agency 1,379,982,000 are mitigated through swap contracts. All cash flows are swapped back to a NOK denominated Covered Bond 5,317,303,605 3 months NIBOR basis. Deposit 1,819,070,987 Bond Name/ Counterparty ISIN Exposure type Currency Currency Amt NOK amount DnB NOR Boligkreditt AS NO Covered Bond NOK 250,000, ,000,000 DnB NOR Boligkreditt AS NO Covered Bond NOK 75,000,000 75,000,000 DnB NOR Boligkreditt AS NO Covered Bond NOK -58,000,000-58,000,000 DnB NOR Boligkreditt AS NO Covered Bond NOK 22,500,000 22,500,000 DnB NOR Boligkreditt AS NO Covered Bond NOK 218,000, ,000,000 DnB NOR Boligkreditt AS NO Covered Bond NOK 5,000,000 5,000,000 DnB NOR Boligkreditt AS XS Covered Bond EUR 10,000,000 87,247,000 DnB NOR Boligkreditt AS XS Covered Bond EUR 12,800, ,676,160 DnB NOR Boligkreditt AS XS Covered Bond EUR 23,000, ,668,100 Eika Boligkreditt AS NO Covered Bond NOK 75,000,000 75,000,000 Eika Boligkreditt AS XS Covered Bond EUR 18,800, ,024,360 Eika Boligkreditt AS XS Covered Bond EUR 7,000,000 61,072,900 Eika Boligkreditt AS XS Covered Bond EUR 5,000,000 43,623,500 KFW Bankengruppe DE000A1H36V3 Gov Agency EUR 15,000, ,870,500 KFW Bankengruppe DE000A1K0UB7 Gov Agency EUR 25,000, ,117,500 KFW Bankengruppe DE000A1K0UG6 Gov Agency EUR 5,000,000 43,623,500 KFW Bankengruppe DE000A1RET15 Gov Agency EUR 11,000,000 95,971,700 KFW Bankengruppe NO Gov Agency NOK 100,000, ,000,000 KFW Bankengruppe NO Gov Agency NOK 100,000, ,000,000 KFW Bankengruppe NO Gov Agency NOK 261,000, ,000,000 KFW Bankengruppe NO Gov Agency NOK 188,500, ,500,000 KFW Bankengruppe XS Gov Agency NOK 107,000, ,000,000 KLP Kommunekreditt NO Covered Bond NOK 50,000,000 50,000,000 Nordea Bank Finland PLC XS Covered Bond EUR 10,000,000 87,247,000 Nordea Bank Finland PLC XS Covered Bond EUR 21,000, ,218,700 Nordea Bank Finland PLC XS Covered Bond EUR 30,000, ,741,000 Nordea Bank Finland PLC XS Covered Bond EUR 10,000,000 87,247,000 Nordea Eiendomskreditt NO Covered Bond NOK 200,000, ,000,000 Nordea Eiendomskreditt NO Covered Bond NOK 1,913,000,000 1,913,000,000 Nordea Eiendomskreditt NO Covered Bond NOK 21,000,000 21,000,000 Nordea Eiendomskreditt NO Covered Bond NOK 50,000,000 50,000,000 Norsk Stat NO Sovereign NOK 250,000, ,000,000 OP Mortgage Bank XS Covered Bond EUR 10,000,000 87,247,000 Pluss Boligkreditt AS NO Covered Bond NOK 40,000,000 40,000,000 Rentenbank NO Gov Agency NOK 100,000, ,000,000 Rentenbank XS Gov Agency EUR 4,000,000 34,898,800 Skandinaviska Enskilda Bank XS Covered Bond EUR 5,000,000 43,623,500 Skandinaviska Enskilda Bank XS Covered Bond EUR 5,000,000 43,623,500 Sparebanken Vest Boligkreditt NO Covered Bond NOK 75,000,000 75,000,000 Sparebanken Vest Boligkreditt XS Covered Bond EUR 29,300, ,633,710 Sparebanken Vest Boligkreditt XS Covered Bond EUR 5,000,000 43,623,500 Stadshypotek XS Covered Bond EUR 15,000, ,870,500 Stadshypotek XS Covered Bond EUR 10,000,000 87,247,000 Stadshypotek XS Covered Bond EUR 16,000, ,595,200 Svenska Handelsbanken Stockholm XS Covered Bond EUR 15,000, ,870,500 Svenska Handelsbanken Stockholm XS Covered Bond EUR 3,000,000 26,174,100 The Swedish Covered Bond Corp. XS Covered Bond EUR 6,250,000 54,529,375 The Swedish Covered Bond Corp. XS Covered Bond NOK 50,000,000 50,000,000 Sparebank 1 SR-Bank Deposit NOK 1,522,503,033 1,522,503,033 Sparebank 1 SR-Bank Deposit EUR 3,551,901 30,989,269 Sparebank 1 SR-Bank Deposit USD 923,653 7,513,919 Sparebank 1 Nord-Norge Deposit NOK 3,266,550 3,266,550 Skandinaviska Enskilda Bank Oslo Deposit NOK 4,798,216 4,798,216 Sparebank 1 SMN Deposit NOK 250,000, ,000,000 Total Balance 8,766,356,592 NOK/EUR * Rating is Fitch / Moody's / S&P and is sourced from Bloomberg NOK/USD ** Any differences in this table and the financial statements is due to the quarter end FX rates used for non-nok amounts in this table, as well as nominal amounts rather than book (market) values
Bustadkreditt Sogn og Fjordane AS cover pool data
Bustadkreditt Sogn og Fjordane AS cover pool data Report date: 31.12.2013 Report currency: NOK 1. General cover pool information 1.1 Key characteristics Total cover pool, nominal balance 9.266.583.283
March 2012 KLP Kommunekreditt AS Cover Pool Information
March 2012 KLP Kommunekreditt AS Cover Pool Information Overview As at 31.03.2012 Ratings Fitch Moody`s KLP Banken AS A- KLP Kommunekreditt AS A- Covered Bonds Programme AAA Aaa Key data Public sector
March 2014 KLP Kommunekreditt AS Cover Pool Information
March 2014 KLP Kommunekreditt AS Cover Pool Information Overview As at 31.03.2014 Ratings Fitch Moody`s KLP Banken AS A- KLP Kommunekreditt AS A- Covered Bonds Programme AAA Aaa Key data Public sector
September 2014 KLP Kommunekreditt AS Cover Pool Information
September 2014 KLP Kommunekreditt AS Cover Pool Information Overview As at 30.09.2014 Ratings Fitch Moody`s KLP Banken AS A- KLP Kommunekreditt AS A- Covered Bonds Programme AAA Aaa Key data Public sector
June 2014 KLP Kommunekreditt AS Cover Pool Information
June 2014 KLP Kommunekreditt AS Cover Pool Information Overview As at 30.06.2014 Ratings Fitch Moody`s KLP Banken AS A- KLP Kommunekreditt AS A- Covered Bonds Programme AAA Aaa Key data Public sector loans
SSB Boligkreditt AS. Investor Presentation 4Q 2015
SSB Boligkreditt AS Investor Presentation 4Q 2015 Characteristics of the Cover Pool Loans originated by SSB Boligkreditt AS Cover pool mortgages MNOK 6,802 Substitute assets MNOK 324 Total cover pool MNOK
Erste Group Bank AG as of 31.12.2012. 1. OVERVIEW in mn. EUR
Erste Group Bank AG as of 31.12.2012 Mortgage covered bonds 1. OVERVIEW in mn. EUR Total outstanding liabilities 6,915 Total assets in the cover pool 9,932 Issuer senior unsecured rating A3 Covered bonds
DnB NOR Boligkreditt AS
International Structured Finance Europe, Middle East, Africa New Issue Report DnB NOR Boligkreditt AS Covered Bonds / Norway Closing Date 03 July 2007 Lead Analyst Frederic Lelieur Associate Analyst +44
Monetary policy, inflation and the outlook for the Norwegian economy
Monetary policy, inflation and the outlook for the Norwegian economy DnB, Haugesund Svein Gjedrem, Governor of Norges Bank, April Effective exchange rates January 99= GBP NOK 9 8 NZD 9 8 7 SEK 7 99 99
About. The Children's Cancer Society
About Our Objectives improve comprehensive treatment and rehabilitation offered to children and Facts provide support and assistance to their families to cooperate with doctors, nurses and others who care
INTERIM REPORT Q3 2015
INTERIM REPORT Q3 2015 Key figures FIGURES IN NOK 000s INCOME STATEMENT Profit/loss after taxation 75 343 85 221 112 243 Net interest margin 1,37 % 1,68 % 1,64 % Profit/loss after tax as a % of average
INTERIM REPORT. Q1 2015 (unaudited)
INTERIM REPORT Q1 2015 (unaudited) Key figures FIGURES IN NOK 000s INCOME STATEMENT Profit/loss after taxation 29 446 32 079 112 243 Net interest margin 1,53 % 1,81 % 1,64 % Profit/loss after tax as a
Bank of Scotland plc 60 billion Covered Bond Programme Monthly Report September 2015
Monthly Report September 2015 Administration Name of issuer Bank of Scotland plc Name of RCB programme 60 billion Covered Bond Programme Name, job title and contact details of person validating this form
Outlook for the Norwegian business sector and the role of Norges Bank
Outlook for the Norwegian business sector and the role of Norges Bank Central Bank Governor Svein Gjedrem Kongsvinger, March Effective exchange rates 199=1 1 1 11 NOK 11 1 GBP 1 9 8 NZD 9 8 7 SEK 7 199
Interim Report 2 nd quarter 2014 Nordea Eiendomskreditt AS
Interim Report 2 nd quarter 2014 Nordea Eiendomskreditt AS Nordea Eiendomskreditt AS is part of the Nordea group. Nordea s vision is to be a Great European bank, acknowledged for its people, creating superior
5,000,000,000 Covered Bond Programme
Data as of 30 June 2015 5,000,000,000 Covered Bond Programme Please note being this report as of June 2015, 30 it does not include: - the V Series new issuance (Eur 750ml, IT0005120198), effective from
Sparebanken Sør. 1 st quarter 2015
Sparebanken Sør 1 st quarter 2015 Information The merger between Sparebanken Pluss and Sparebanken Sør complies with the rules set out in IFRS 3 and has been executed as a transaction. Sparebanken Sør
At your side. Contents The Eika Alliance Eika Boligkreditt in brief Directors report and financial statements Key figures 2 /57
Annual report 2013 Contents The Eika Alliance Eika Boligkreditt in brief Directors report and financial statements Key figures 2 /57 At your side. Front page: Northern lights over the sea. Utakleiv, Vestvågøy
THE INTRODUCTION SCHEME. Welcome to the introduction programme!
THE INTRODUCTION SCHEME Welcome to the introduction programme! Settlement in a municipality, page 4 Mapping out your skills, page 6 Individual plan, page 8 The purpose of the introduction programme is
Note 8 - Loans and advances to customers
Note 8 - Loans and advances to customers 2013 2014 (NOK million) 2014 2013 Loans specified by type - - Financial lease 1,937 1,877 11,547 12,523 Bank overdraft and operating credit 12,523 11,547 3,277
Financial Stability 2/12. Charts
Financial Stability /1 Charts Chart 1.1 Vulnerabilities in the Norwegian banking sector and external sources of risk to the banking sector 1) Vulnerability in banking sector External sources of risk to
Sparebanken Hedmark. Tier 2 bond issue. Presentation, May 2013
Sparebanken Hedmark Tier 2 bond issue Presentation, May 2013 Summary Tier 2 issue: NOK 500 millions Background: Acquisition of shares in Bank 1 Oslo Akershus AS, increasing ownership from 12 % to 40,5
Industry - Oil & Gas - Shipping - Other Avg. spread last five days
Industry - Oil & Gas - Shipping - Other Avg. spread last five days trade_date (Multiple Items) country (All) redemption_type (All) capital_weight 100 source OSE Average of spread Years maturity_date 2012
Sparebanken Sør. 2 nd quarter 2015
Sparebanken Sør 2 nd quarter 2015 Information The merger between Sparebanken Pluss and Sparebanken Sør complies with the rules set out in IFRS 3 and has been executed as a transaction. Sparebanken Sør
Report for the first quarter 2016. Norwegian Finans Holding ASA
Norwegian Finans Holding ASA Norwegian Finans Holding ASA Norwegian Finans Holding ASA (NFH) owns 100% of the shares in Bank Norwegian AS. The company does not engage in any other operations. The ownership
Sparebanken Sør. 4 th quarter 2014
Sparebanken Sør 4 th quarter 2014 Information reminder Sparebanken Pluss and Sparebanken Sør merged with effect from January 1 st 2014. Sparebanken Pluss was the acquiring bank in the merger and was renamed
Presentation. Oslo. September 6 th 2010. Frode Lindbeck
Presentation Oslo. September 6 th 2010 Sparebanken Øst Established in 1843 Head office in Drammen with 22 branches Total assets of 23.6 bill. kroner Moody's rating: A3/P-2 (negative outlook) First Savings
SpareBank 1 Boligkreditt AS
SpareBank 1 Boligkreditt AS 3rd quarter 28 Stavanger 22 October 28 SPAREBANK 1 BOLIGKREDITT AS 28 As of 3 September 28 Accounts 3q 28 Income statement 3.9.28 3.9.27 27 NOK 1 Interest income 1 331 498 225
3 Key figures. 4 Directors report. 8 Profit and loss account. 9 Balance sheet. 10 Cash flow statement. 11 Equity statement.
ANNUAL REPORT 2013 CONTENT 3 Key figures 4 Directors report 8 Profit and loss account 9 Balance sheet 10 Cash flow statement 11 Equity statement 12 Notes 32 Auditor s report 33 Audit committee s annual
SEB s Swedish Residential Mortgage Lending and Covered Bonds. Stockholm September, 2013
SEB s Swedish Residential Mortgage Lending and Covered Bonds Stockholm September, 2013 Contents SEB s Residential Mortgage Lending p.3 Asset Quality p.19 Cover Pool and Covered Bond Funding p.24 2 SEB
STANDARD FILEFORMAT TNS GALLUP PPM PANEL
STANDARD FILEFORMAT TNS GALLUP PPM PANEL PPM data consists of 4 files per day. There are no files to be updated monthly or at other times. Data are delivered daily as finalised data 7 days old. The four
3 Key figures. 4 Directors report. 6 Profit and loss account. 7 Balance sheet. 8 Cash flow statement. 9 Equity statement. 10 Notes
annual report 2010 Contents 3 Key figures 4 Directors report 6 Profit and loss account 7 Balance sheet 8 Cash flow statement 9 Equity statement 10 Notes 30 Auditor s report 31 Audit committee s annual
4th Quarter 2010. Risk management. General information
4th Quarter 2010 Sør Boligkreditt AS 2 4th Quarter 2010 General information Sør Boligkreditt AS was established in the autumn of 2008 and is a wholly owned subsidiary of Sparebanken Sør. The company is
SR-Boligkreditt. Investor Presentation. Cover Pool per 31 March 2016
SR-Boligkreditt Investor Presentation Cover Pool per 31 March 2016 Disclaimer This presentation contains forward-looking statements that reflect management s current views with respect to certain future
3 Key figures. 4 Directors report. 6 Profit and loss account. 7 Balance sheet. 8 Cash flow statement. 9 Equity statement. 10 Notes
Annual Report 2011 CONTENT 3 Key figures 4 Directors report 6 Profit and loss account 7 Balance sheet 8 Cash flow statement 9 Equity statement 10 Notes 30 Auditor s report 31 Audit committee s annual report
Sparebanken Hedmark. Presentation of financial results for 2014
Sparebanken Hedmark Presentation of financial results for 214 About Sparebanken Hedmark Sparebanken Hedmark Norway s largest selfowned savings bank Hedmark is the leading provider of financial products
Sparebanken Møre - the Group. Presentation Second quarter 2010
Sparebanken Møre - the Group Presentation Second quarter 2010 Norway The Norwegian economy performed well during the financial crisis and was relatively strong even in 2009 - Low unemployment - Rising
Sparebanken Sør. 3 rd quarter 2015
Sparebanken Sør 3 rd quarter 2015 Information The merger between Sparebanken Pluss and Sparebanken Sør complies with the rules set out in IFRS 3 and has been executed as a transaction. Sparebanken Sør
Norwegian covered bonds a rapidly growing market
Norwegian covered bonds a rapidly growing market Bjørn Bakke and Ketil Rakkestad, senior advisers in the Payment Systems Department, and Geir Arne Dahl, economist in the Financial Markets Department 1
MINUTES OF THE EXTRAORDINARY GENERAL MEETING PAN FISH ASA
MINUTES OF THE EXTRAORDINARY GENERAL MEETING OF PAN FISH ASA The general meeting of Pan Fish ASA was held on 10 October 2003 in the company's offices in Ålesund. 1. Opening of the general meeting - registration
MINUTES OF THE EXTRAORDINARY GENERAL MEETING PAN FISH ASA
MINUTES OF THE EXTRAORDINARY GENERAL MEETING OF PAN FISH ASA OPENING OF THE MEETING (i) The Extraordinary general meeting of Pan Fish ASA ( the company ) was held on 10 January 2003 at 10 am at Rica Parken
CaixaBank - Covered Bond Investor presentation
CaixaBank - Covered Bond Investor presentation Data as of 30 th June 2015 Mortgage Covered Bond Programme CaixaBank Programmes - Main figures Jun '15 MORTGAGE COVER POOL 30/06/2015 MORTGAGE COVERED BONDS
3 Key figures. 4 Directors report. 8 Profit and loss account. 9 Balance sheet. 10 Cash flow statement. 11 Equity statement.
ANNUAL REPORT 2014 CONTANTS 3 Key figures 4 Directors report 8 Profit and loss account 9 Balance sheet 10 Cash flow statement 11 Equity statement 12 Notes 32 Auditor s report 33 Audit committee s annual
Stockholm Monthly Fixed Income Report
Stockholm Monthly Fixed Income Report March 211 Contents Sthlm FI Market Overview of the Stockholm fixed income market Retail Bonds Retail Bonds Total Structured Products Retail Bonds Yield Retail Bonds
Chart 1.1 GDP for trading partners. Volume. Four quarter change. Percent. Export weights. 2010 Q1 2019 Q4 1) 4.5
Chart. GDP for trading partners. Volume. Four quarter change. Percent. Export weights. Q 9 Q )... Projection MPR /6 Projection MPR /...... 6 7 8 9. ) Projection for Q 9 Q (broken lines). Sources: Thomson
Closing of Sparebanken Hedmark s acquisition of Bank 1 Oslo Akershus AS. Investor information, 29 June 2016
Closing of Sparebanken Hedmark s acquisition of Bank 1 Oslo Akershus AS Investor information, 29 June 2016 Background Since 2013, Sparebanken Hedmark has owned 40.5 per cent of Bank 1 Oslo Akershus AS
Sparebanken Pluss Quarterly Report Q1 2013
Sparebanken Pluss Quarterly Report Q1 2013 KEY FIGURES* As at. 31.03.13 31.12.12 30.09.12 30.06.12 31.03.12 Total income (NOK mill.) 153 675 508 326 186 Total operating expenses (NOK mill.) 68 251 185
Securities Note. Pluss Boligkreditt AS. En del av Sparebanken Pluss konsern
Pluss Boligkreditt AS En del av Sparebanken Pluss konsern FRN Pluss Boligkreditt AS Covered Bond Issue 2010/2015 (Extendable to 25 April 2016) Arranger: DnB NOR Markets Krisitiansand, 26.04.2010 1 av 11
Interim report. Storebrand Boligkreditt AS
Interim report Storebrand Boligkreditt AS 1 st quarter 2014 1 Storebrand Boligkreditt AS - Kvartalsberetning interim report for the for 1. 1st kvartal quarter 2014 of 2014 (Result (Tall i parentes figures
Sparebanken Sør. 4 th quarter 2015
Sparebanken Sør 4 th quarter 2015 Information The merger between Sparebanken Pluss and Sparebanken Sør complies with the rules set out in IFRS 3 and has been executed as a transaction. Sparebanken Sør
Words from the President and CEO 3 Financial highlights 4 Highlights 5 Export lending 5 Local government lending 6 Funding 6 Results 6 Balance sheet
Words from the President and CEO 3 Financial highlights 4 Highlights 5 Export lending 5 Local government lending 6 Funding 6 Results 6 Balance sheet 7 Events after the balance sheet date 8 Income statement
The outlook for the Norwegian economy with particular focus on the business sector in Vesterålen
The outlook for the Norwegian economy with particular focus on the business sector in Vesterålen Governor Svein Gjedrem Sortland, October Mainland GDP in Norway Annual growth. Per cent 99 99 99 99 99 Sources:
ANAPTYXI SME II 2009-1 PLC. Citicorp Trustee Company Limited. Collection Period End Date. Interest Payment Date
Issuer ANAPTYXI SME II 2009-1 PLC Seller / Servicer EFG Eurobank Ergasias SA Trustee Citicorp Trustee Company Limited Transaction Manager Citibank NA London Chris Prudden christopher.richard.prudden@citi.com
Sparebanken Hedmark Financial result Third quarter 2015
Sparebanken Hedmark Financial result Third quarter 2015 Sparebanken Hedmark Third quarter 2015 Stable development and falling unemployment rate in Hedmark - Hedmark and Oppland are two of the country`s
Presentation of results. Kirsten Idebøen, CEO
Q2 1st half-year and 2nd quarter 2012 Presentation of results from SpareBank 1 Gruppen Kirsten Idebøen, CEO 9 August 2012 Year-to-date profit in line with last year Pre-tax profit Group quarterly (MNOK)
Aquaculture and fisheries 2003
Norway Minifacts The Norwegian Ministry of Fisheries Visiting Address: Grubbegata 1 Postal Address: P.O.Box 8118 Dep., NO-32 Oslo Telephone: +47 22 24 9 9 Fax: +47 22 24 95 85 E-mail: postmottak@fid.dep.no
FINAL TERMS Final Terms dated 10 January 2011. Lloyds TSB Bank plc. Issue of 45,000,000 Series 2011-1 Fixed Rate Covered Bonds due 2031
IMPORTANT NOTICE NOT FOR DISTRIBUTION TO ANY U.S. PERSON OR TO ANY PERSON OR ADDRESS IN THE U.S. IMPORTANT: You must read the following before continuing. The following applies to the final terms attached
Index. Santander Consumer Finance Oy Hermannin Rantatie 10 Helsinki 00580 Y-tunnus 2076455-0
Following payment dates: 25/02/2016 25/03/2016 Cover Sheet Monthly Investor Report Monthly Period Dec 2015 Fixed rate = 30/360 days Cut-Off date 31/12/2015 Index Page 1 Portfolio Information 1 2 Amount
Sparebanken Pluss. Quarterly Report Q2 2013 (This translation from Norwegian has been made for information purpose only)
Sparebanken Pluss Quarterly Report Q2 2013 (This translation from Norwegian has been made for information purpose only) KEY FIGURES* As at. 30.06.13 31.03.13 31.12.12 30.09.12 30.06.12 Total income (NOK
KLP Boligkreditt Mortgage Covered Bonds Programme Covered Bonds / Norway
Prog INTERNATIONAL STRUCTURED FINANCE COVERED BONDS KLP Boligkreditt Mortgage Covered Bonds Programme Covered Bonds / Norway Contacts Faure, Alix - +33 (1) 5330-1038 - Alix.Faure@moodys.com Grnac, Jan
Wages and Working Conditions in Norway
ENGLISH Wages and Working Conditions in Norway Information to employees from the Czech Republic, Estonia, Latvia, Lithuania, Poland, Slovakia, Slovenia and Hungary www.fellesforbundet.no Welcome as an
INTERIM REPORT Q1 2016
INTERIM REPORT Q1 2016 First quarter 2016 Pre-tax profit: NOK 322 million (NOK 407 million) Weaker performance by financial instruments: NOK -35 million (NOK 50 million) Higher nominal net interest: NOK
Banks participating in NICS Retail as of 30 June 2014
Banks participating in NICS Retail as of 30 June 2014 Reg.nr Bank Oppgjørsbank 1020 Eidsberg Sparebank DNB Bank 1050 Marker Sparebank DNB Bank 1080 Sparebank 1 Østfold Akershus SpareBank 1 SMN 1100 Askim
sparebanken SØR Growth Net interest Commission income Costs RESULTS Reduced losses Q1 2013
sparebanken SØR @ Growth Net interest Commission income RESULTS Q1 2013 % Costs Reduced losses Sparebanken SØR 1825 Sparebanken Sør has its origin from 1825, when Arendal Sparebank was set up as one of
Helgeland Boligkreditt AS - Mortgage Covered Bonds
Prog INTERNATIONAL STRUCTURED FINANCE COVERED BONDS Helgeland Boligkreditt AS - Mortgage Covered Bonds Covered Bonds / Norway Contacts Savoye, Elise - +33 (331) 533-01079 - Elise.Savoye@moodys.com Silenzio,
Arkle Master Issuer Monthly Investor Report
Reporting Date Reporting Period 16 February 2015 1 January 31 January 2015 Quarterly Accrual Period 17 ovember 2014 16 February 2015 Semi Annual Accrual Period 18 August 2014 16 February 2015 Contact Details
13 May 2015. 1Q2015 Financial Results
13 May 2015 1Q2015 Financial Results Forward Looking Statements Important information All information contained in this presentation should be regarded as preliminary and based on company data available
grow together with Oslo Børs Stockholm, 16 October 2012 Bente A Landsnes
Burgundy will continue to grow together with Oslo Børs 1 Stockholm, 16 October 2012 Bente A Landsnes Strategic rationale for Burgundy and Oslo Børs Create a long term competitive solution for Burgundy
First quarter report 2013 2
highlights... 3 Comments from the President and CEO. 4 Report from the board of directors. 4 Results 4 Balance sheet. 6 Export lending... 6 Local government lending... 6 Securities. 6 Funding.... 6 Liquidity....
sparebanken SØR Growth Net interest Commission income Costs RESULTS Reduced losses Q4 AND PRELIMINARY 2012
sparebanken SØR @ Growth Net interest Commission income RESULTS Q4 AND PRELIMINARY 2012 % Costs Reduced losses 1 Sparebanken SØR 1825 Sparebanken Sør hasits origin from 1825, when Arendal Sparebank was
DAILY CASH SETTLEMENT Copyright 2014, The NASDAQ OMX Group, Inc. All Rights Reserved. 0
DAILY CASH SETTLEMENT Copyright 2014, The NASDAQ OMX Group, Inc. All Rights Reserved. 0 CONTENTS 1. Scope & Background... 2 2. Products & Contract Details... 2 3. Differences between Futures and Forward
By Hoin Lee, Kim & Chang and Frank Will, HSBC & Chairman of the EU Legislation Working Group
SOUTH KOREA 3.31 South Korea By Hoin Lee, Kim & Chang and Frank Will, HSBC & Chairman of the EU Legislation Working Group I. FRAMEWORK Efforts to create a covered bond market in Korea The Covered Bond
1st Quarter 2012. 26 April 2012. Presentation of results from SpareBank 1 Gruppen. Kirsten Idebøen, CEO
1st Quarter 2012 Presentation of results from SpareBank 1 Gruppen Kirsten Idebøen, CEO 26 April 2012 Good development in results for the group - Best result in the past five years Pre-tax profit for the
Interim report. Storebrand Boligkreditt AS. 4 th quarter 2013 (unaudited)
Interim report Storebrand Boligkreditt AS 4 th quarter 2013 (unaudited) 1 Storebrand Boligkreditt AS - Quarterly report for the 4th quarter (Profit (Tall i parentes figures for gjelder the corresponding
Chief Executive, CEO. Arne Austreid. For further information, please contact
Chief Executive, CEO Arne Austreid For further information, please contact Inge Reinertsen, Chief Financial Officer inge.reinertsen@sr-bank.no +47 909 95 033 Stian Helgøy, VP Investor Relations stian.helgoy@sr-bank.no
DAILY CASH SETTLEMENT Copyright 2014, The NASDAQ OMX Group, Inc. All Rights Reserved. 0
DAILY CASH SETTLEMENT Copyright 2014, The NASDAQ OMX Group, Inc. All Rights Reserved. 0 CONTENTS 1. Scope & Background... 2 2. Products & Contract Details... 2 3. Differences between Futures and Forward
Gjensidige Bank Investor Presentation Q3 2015. 18. November 2015
Gjensidige Bank Investor Presentation Q3 2015 18. November 2015 Content The Norwegian Economy Gjensidige Insurance Group and Gjensidige Bank in brief Financial performance Funding overview Gjensidige Bank
13 March 2014 PART A CONTRACTUAL TERMS
13 March 2014 VOLVO TREASURY AB (publ) (the Issuer ) Issue of SEK 1,750,000,000 Fixed Rate Notes due 17 March 2016 guaranteed by AB Volvo (publ) (the Guarantor ) issued pursuant to the U.S.$15,000,000,000
SpareBank 1 SR-Bank Group
SpareBank 1 SR-Bank Group Investor Presentation March 2010 SpareBank 1 SR-Bank At a glance Leading financial institution in South Western Norway # 2 of Norwegian Banks by Total Assets in Norway (# 5 of
Annual statement of accounts. Spesialfondet KLP Alfa Global Energi and Spesialfondet KLP Alfa Global Rente
Annual statement of accounts Spesialfondet KLP Alfa Global Energi and Spesialfondet KLP Alfa Global Rente 1 Table of contents KLP Alfa Global Energi 3 Income statement 3 Financial position statement 4
SpareBank 1 Gruppen. Presentation 1st Half 2013
SpareBank 1 Gruppen Presentation 1st Half 14 August - Kirsten Idebøen, Idebøen CEO Performance in the 1 st half of Substantial improvement in pre-tax profit MNOK 531 (296) Premium growth and good result
By Nick Pheifer, DEPFA BANK and Sinéad Gormley, Bank of Ireland I. FRAMEWORK
3.16 Ireland By Nick Pheifer, DEPFA BANK and Sinéad Gormley, Bank of Ireland I. FRAMEWORK Irish covered bonds benefit from the protection of specialist covered bond legislation in the Irish Asset Covered
Engelsk. Norwegian Food and Allied Workers Union. Welcome to NNN
Norwegian Food and Allied Workers Union Engelsk Welcome to NNN As a member, your interests will be protected to the greatest degree possible, particularly in relation to pay and working conditions. In
INTERIM REPORT INTERIM REPORT Q1 2016 NOTES TO THE ACCOUNTS
INTERIM REPORT INTERIM REPORT Q1 2016 NOTES TO THE ACCOUNTS 1 Main figures Contents 3 Main figures 4 7 Interim report 8 Income statement 9 Balance sheet 10 Changes in equity capital 12 Cash flow statement
Mainland GDP in Norway Annual growth. Per cent
The outlook for the Norwegian economy and the business sector in southwestern Norway Governor Svein Gjedrem Vats, October Mainland GDP in Norway Annual growth. Per cent 99 99 99 99 99 Sources: Statistics
Index. Santander Consumer Bank AS, Norge, Sverige Filial Box 1341 171 26 Solna Org nr 516406-0336 Tel: +46 08-470 79 00 Fax:+46 08-470 79 98
Svensk Autofinans 1 Limited Reporting Date 1/1/216 Following payment dates 3/1/216 29/2/216 Cover Sheet Monthly Investor Report Monthly Period Nov 215 Interest Period 3/11/215 to 3/12/215 = 3 days Index
Interim report Q1 2016
Interim report Q1 2016 CONTENTS Introduction Financial development Income Expenses Loan impairment charge and loans in default Deposits, loans and balance sheet Summary and future prospects Tables 2 SPAREBANKEN
Weekly Credit Update
Investment Research General Market Conditions 24 July 2009 Weekly Credit Update Summary Another week of significant spread tightening Moody s set to downgrade a large number of Nordic banks Headlines from
1st half-year and 2nd quarter 2011
1st half-year and 2nd quarter Q2 Presentation of results From SpareBank 1 Gruppen Kirsten Idebøen, CEO August 10th Good underlying earnings improvement marred by weak equity markets and flood damage Group
SUPPLEMENTAL BASE PROSPECTUS
SUPPLEMENTAL BASE PROSPECTUS AIB MORTGAGE BANK (a public unlimited company incorporated under the laws of Ireland with registration number 404926) 15,000,000,000 MORTGAGE COVERED SECURITIES PROGRAMME This
Gjensidige Bank ASA Investor Presentation 2013. 19. March 2013
Gjensidige Bank ASA Investor Presentation 2013 19. March 2013 Agenda Gjensidige Bank in Brief (Hans Harèn - GB CEO) p. 3-6 Gjensidige Group capital position (Linn Soltvedt - Investor Relations Officer)
Index. Page. Santander Consumer Finance Oy Hermannin Rantatie 10 Helsinki 00580 Y-tunnus 2076455-0
SCF Rahoituspalvelut Limited Reporting Date 12.9.214 Monthly Investor Report Payment date 1.9.214 Cover Sheet Monthly Investor Report Monthly Period Aug-14 Interest Period from 26.8.214 to 1.9.214 = 15
The Process of Securitisation
The Process of Securitisation Anuk Teasdale* January 2003 Securitisation is a well-established practice in the global debt capital markets. It was introduced initially as a means of funding for US mortgage
Semiannual report - securities funds 2014. Photo: Harald Pettersen / Statoil
Semiannual report - securities funds 14 Photo: Harald Pettersen / Statoil Long-term approach Growth Asset management Our company has applied the same philosophy since it was founded in 1995 and those participating
Capital Mortgage Series 2007-1
Cover - Page 1 INVESTORS REPORT - Payment Date: 31/10/2011 Capital Mortgage Series 2007-1 Euro 1,736,000,000 Class A1 Asset Backed Floating Rate Notes due January 2007 Euro 644,000,000 Class A2 Asset Backed
Key figures... 3 Portfolio valuation... 4 Financing... 6 Yield spread... 7
P O R T F O L I O R E P O R T 2 0 1 5 Table of contents Financial update Key figures... 3 Portfolio valuation... 4 Financing... 6 Yield spread... 7 Appendix Highlights... 8 Tenants lease expiry... 9 Exposure
Crédit Mutuel-CIC Home Loan SFH. www.creditmutuelcic-sfh.com
Crédit Mutuel-CIC Home Loan SFH www.creditmutuelcic-sfh.com SEPTEMBER 2012 DISCLAIMER This presentation has been prepared by Banque Fédérative du Crédit Mutuel ("BFCM") solely for use in the roadshow presentation
Quarter 2011. Presentation of results from SpareBank 1 Gruppen. Kirsten Idebøen, CEO
1st Q Quarter 2011 Presentation of results from SpareBank 1 Gruppen Kirsten Idebøen, CEO 29 April 2011 Highlights SPAREBANK 1 GRUPPEN Significantly improved profit for Good return on equity of 12.4 (8.8)
Innhold. Årsberetning 2013 Årsregnskap 2013 Revisors beretning 2013
ÅRSRAPPORT 2013 Innhold Årsberetning 2013 Årsregnskap 2013 Revisors beretning 2013 Medlemmer i Verdipapirforetakenes sikringsfond pr 31.12.2013 Verdipapirforetak 989 180 797 ABERDEEN
Company presentation. Baard Schumann, CEO & Sverre Molvik, CFO 13 January 2016
Company presentation Baard Schumann, CEO & Sverre Molvik, CFO 13 January 2016 Norway s leading homebuilder Land bank for 11 800 homes Focus on fast growing urban regions Trondheim 501 units Annual sales