Bustadkreditt Sogn og Fjordane AS cover pool data

Transcription

1 Bustadkreditt Sogn og Fjordane AS cover pool data Report date: Report currency: NOK 1. General cover pool information 1.1 Key characteristics Total cover pool, nominal balance Nominal loan balance of coverr pool Number of mortgages Number of borrowers Average loan balance Outstanding covered bonds, nominal balance Substitute assets (% of total cover pool) 6 % WA indexed LTV (%) 55,9 WA seasoning (in months)* 34 WAL of cover pool (contractual maturity in years) 15,9 WAL of outstanding covered bonds (contractual maturity in years) 3,1 * Seasoning indicates the number of months since collateral for the loan was established.

2 1.2 Overcollateralisation* Cover pool size Nominal Residential mortgages, eligible loan balance Residential mortgages, non eligible loan balance Substitue assets Total cover pool (incl. non eligible loan balance) Total cover pool, eligible loan balance Covered bonds outstanding Overcollateralisation (incl. non eligible loan balance) 29,9 % Overcollateralisation, eligible loan balance 29,3 % * The nominal Overcollateralisation (OC) percentage may change from time to time and may be reduced in the future. However, Bustadkreditt Sogn og Fjordane 1.4 Maturity structure covered bonds Extended maturity (years) Loan balance % ,1 % ,0 % ,8 % ,9 % ,3 % Over ,0 % Total ,0 % Maturity (years) Loan balance % ,0 % ,9 % ,8 % ,3 % ,0 % Over ,0 % Total ,0 %

3 2. Composition of the residential mortgage cover pool 2.1 Property types Loan balance % House ,9 % Flat in block with less than 4 units ,6 % Flat in block with 4 or more units ,7 % PARTIAL COMMERCIAL USE ,8 % 2.2 Largest borrowers Private individuals 5 largest (% of total mortgages) 0,7 % 10 largest (% of total mortgages) 1,2 % 2.3 Occupancy type Loan balance % Owner occupied ,9 % Buy-to-let ,1 % Second home ,0 % No data ,1 % 2.4 Repayment type Loan balance % Monthly ,4 % Quarterly/Semi-annually ,3 % Annualy ,0 % BULLET 0 0,0 % Other* ,2 % * Refers to flexible loans

4 2.5 Flexible loans Drawn balance Total limit on flexible loans Percentage drawn of limit 76,3 % WA LTV* 38,0 % * The WA LTV is calculated based on drawn balance. 2.6 LTV buckets Indexed LTV ,7 % ,9 % ,3 % ,3 % ,1 % ,4 % ,6 % ,3 % ,8 % ,7 % > ,9 % 2.7 Seasoning* Loan balance % ,7 % ,2 % ,4 % ,2 % Over ,5 % * Seasoning indicates the number of months since the loan was established.

5 2.8 Interest rate type Loan balance % Floating rate ,0 % Fixed rate with reset < 2 years 0 0,0 % Fixed rate with reset 2 but < 5 years 0 0,0 % Fixed rate with reset 5 years 0 0,0 % 2.9 Loan performance Loan balance % Performing loans ,00 % Delinquent loans (arrears 31 to 90 days) 0 0,00 % Gross non performing loans (arrears 91 days +) ,00 % 2.10 Geographical distribution Loan balance % Average loan balance Akershus ,5 % Aust-Agder ,3 % Buskerud ,0 % Finnmark ,1 % Hedmark ,3 % Hordaland ,7 % Møre og Romsdal ,8 % Nordland ,2 % Nord-Trøndelag ,1 % Oppland ,5 % Oslo ,3 % Østfold ,7 % Rogaland ,5 % Sogn og Fjordane ,0 % Sør-Trøndelag ,8 % Telemark ,1 % Troms ,1 % Vest-Agder ,4 % Vestfold ,7 %

6 3. List of oustanding covered bonds ISIN Currency Current balance Date of issuance Maturity date Legal final (or "extended" maturity date, dd/mm/yyyy ) Next Interest Payment Date (dd/mm/yyyy) Next Principal Payment Date (dd/mm/yyyy) NO NOK (Norway) ######## NO NOK (Norway) ######## NO NOK (Norway) ######## NO NOK (Norway) ######## NO NOK (Norway) ######## NO NOK (Norway) ######## NO NOK (Norway) ######## NO NOK (Norway) ######## NO NOK (Norway) ######## ISIN Interest payment frequency Principal payment frequency INTEREST RATE TYPE Interest margin where floating rate BASIS over which interest margin is calculated Structured features NO Quarterly BULLET Floating rate 40 Nibor 3 month Call 12 mnth before final maturity Yes NO Quarterly BULLET Floating rate 55 Nibor 3 month 12 mnth extension periode No NO Quarterly BULLET Floating rate 58 Nibor 3 month 12 mnth extension periode No NO Quarterly BULLET Floating rate 70 Nibor 3 month 13 mnth extension periode No NO Quarterly BULLET Floating rate 55 Nibor 3 month 12 mnth extension periode No NO Quarterly BULLET Floating rate 72 Nibor 3 month 12 mnth extension periode No NO Quarterly BULLET Floating rate 55 Nibor 3 month 12 mnth extension periode No NO Quarterly BULLET Floating rate 58 Nibor 3 month 12 mnth extension periode No NO Quarterly BULLET Floating rate 48 Nibor 3 month 12 mnth extension periode No Private Issuance?

7

8

9

10 FLEKSILÅN FLEKSILÅN TILSETTE

11 30-90 Over 90

12