Standard & Poor's Nordic and Baltic Ratings



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Issuer DENMARK Standard & Poor's Nordic and Baltic Ratings Long-term rating Outlook A.P. Moller - Maersk A/S BBB+ Stable BRFkredit A/S A- Stable A-2 Codan Forsikrings A/S A Stable Danfoss A/S BBB Stable A-2 Danske Bank A/S A Negative A-1 13th March 2015 Shortterm rating Denmark (Kingdom of) AAA Stable A-1+ DLR Kredit A/S BBB+ Stable A-2 DONG Energy A/S BBB+ Stable A-2 Energinet.dk SOV AA Negative A-1+ ISS A/S BBB- Stable ISS Global A/S BBB- Stable ISS World Services A/S BBB- Stable A-3 Jyske Bank A/S A- Stable A-2 KommuneKredit AAA Stable A-1+ Nordea Bank Danmark A/S AA- Negative A-1+ Novo Nordisk A/S AA- Stable A-1+ Nykredit Bank A/S A+ Negative A-1 Nykredit Realkredit A/S A+ Negative A-1 Scandferries Aps B+ Stable TDC A/S BBB Negative A-2 Tryg Forsikring A/S A- Stable Tryg Garantiforsikring A/S A- Stable Welltec A/S BB- Stable FINLAND Aktia Bank PLC A- Negative A-2 Bank of Aland PLC BBB Negative A-3 Citycon Oyj BBB Stable A-2 Danske Bank PLC A Negative A-1 Elisa Corp. BBB Positive A-2 Fingrid Oyj A+ Stable A-1 Finland (Republic of) AA+ Stable A-1+ Forsakringsaktiebolaget Alandia BBB+ Stable Fortum Oyj A- Negative A-2 Garantia Insurance Co. Ltd. A- Watch Neg

If P&C Insurance Co. Ltd. A Stable Metsa Board Corp. BB Stable B Metso Corp. BBB Stable A-2 Municipal Guarantee Board AA+ Stable A-1+ Municipality Finance PLC AA+ Stable A-1+ Nokia Corp. BB Positive B Nordea Bank Finland PLC AA- Negative A-1+ Paroc Group Oy B Stable Pohjola Bank PLC AA- Negative A-1+ Pohjola Non-Life Insurance Co. Ltd. AA- Negative Stora Enso Oyj BB Stable B TeliaSonera Finland Oyj A- Stable A-2 Teollisuuden Voima Oyj BBB Negative A-2 UPM-Kymmene Corp. BB+ Stable B ICELAND Arion Bank BB+ Positive B Bakkavor Finance 2 PLC B- Positive Housing Financing Fund Ibudalanasjodur BB- Stable B Iceland (Republic of) BBB- Positive A-3 Islandsbanki hf BB+ Positive B Landsbankinn hf. BB+ Positive B Landsvirkjun BB Positive B Tryggingamidstodin hf. BBB- Positive NORWAY Assuranceforeningen Gard - gjensidig - A+ Stable Assuranceforeningen SKULD (Gjensidig) A Stable Avinor AS AA- Stable A-1+ Bayerngas Norge A.S. B+ Negative DNB Bank ASA A+ Stable A-1 Eiendomskreditt AS BBB Negative A-2 Eksportfinans ASA BBB- Positive A-3 EWOS Group AS B Stable Fjellinjen AS AA- Stable A-1+ Gard Marine & Energy Insurance (Europe) AS A+ Stable Gjensidige A Stable Gjensidige Bank ASA A- Stable A-2 Gjensidige Bank Boligkreditt AS A- Stable A-2 KBN Kommunalbanken Norway AAA Stable A-1+ Kommunal Landspensjonskasse A- Negative Lock AS B+ Stable Lock Lower Holding AS B+ Stable Nassa Midco AS B Stable Nordea Bank Norge ASA AA- Negative A-1+ Norges Statsbaner AS AA- Stable A-1+ Norsk Hydro ASA BBB Stable A-2

Norske Skogindustrier ASA CCC+ Negative C Norway (Kingdom of) AAA Stable A-1+ Norwegian Hull Club A- Positive Oslo (City of) AAA Stable Petroleum Geo-Services ASA B+ Negative Statkraft AS A- Stable A-2 Statkraft Energi AS A- Stable A-2 Statkraft SF A- Stable A-2 Statnett SF A+ Stable A-1 Statoil ASA AA- Stable A-1+ Statoil Forsikring AS A+ Stable Storebrand ASA BBB Negative Storebrand Bank ASA BBB+ Negative A-2 Storebrand Livsforsikring AS A- Negative Telenor ASA A Stable A-1 Yara International ASA BBB Positive A-2 SWEDEN AB Electrolux BBB Stable A-2 AB Stangastaden AA- Stable A-1+ AB Volvo BBB Negative A-2 Akademiska Hus AB AA Stable A-1+ Alfa Laval AB BBB+ Stable Apoteket AB A+ Negative A-1 Assa Abloy AB A- Stable A-2 Atlas Copco AB A Stable A-1 Boras (City of) AA+ Stable A-1+ Bravida Holding AB B Stable Com Hem Holding AB (publ) BB- Stable Danske Bank A/S, Swedish Branch A Negative A-1 Dometic Group AB B- Stable Dometic Holding AB B- Stable E.ON Sverige AB A- Watch Neg A-2 Ericsson (Telefonaktiebolaget L.M.) BBB+ Stable A-2 Fastighets AB Forvaltaren AA- Stable A-1+ Fortum Varme Holding samagt med Stockholms stad, AB BBB+ Stable A-2 Forvaltnings AB Framtiden AA- Stable A-1+ Goteborg (City of) AA+ Stable A-1+ Helsingborg (City of) AAA Stable A-1+ Holmen AB BBB Stable A-2 Huddinge (Municipality of) AA+ Stable A-1+ If P&C Insurance Ltd. (publ) A Stable NR Industrivarden AB A- Stable A-2 Investor AB AA- Stable A-1+ Jonkoping (Municipality of) AA+ Stable A-1+ Kommuninvest i Sverige AB AAA Stable A-1+ Kraftringen Energi AB (publ) BBB+ Stable A-2

L E Lundbergforetagen AB A+ Stable A-1 Landshypotek Bank AB A- Stable A-2 Lansforsakringar AB A- Stable Lansforsakringar Bank A Stable A-1 Lansforsakringar Sak Forsakrings AB A Stable Lejonfastigheter AB AA- Stable A-1+ Linkopings Stadshus AB AA+ Stable A-1+ Lund (Municipality of) AAA Stable A-1+ Malmo (City of) AAA Stable A-1+ MKB Fastighets AB AA- Positive A-1+ Molnlycke Holding AB (publ) BBB Stable A-2 Munters AB B Negative Nobina AB B Stable Nobina Europe Holding AB B Stable NorCell 1B AB (publ) BB- Stable NorCell Sweden Holding 2 AB(publ) BB- Stable Nordea Bank AB AA- Negative A-1+ Norrkoping (Municipality of) AA+ Stable A-1+ Orebro (Municipality of) AA+ Stable A-1+ Ostersund (Municipality of) AA+ Stable A-1+ Ovako Group AB B Stable Perstorp Holding AB (publ) CCC+ Stable PRI Pensionsgaranti Mutual Insurance Co. A Stable Rikshem AB A- Stable A-1 Sandvik AB BBB Negative A-2 SAS AB B- Stable SBAB Bank AB (publ) A Negative A-1 Scania AB (publ.) A- Stable A-2 Securitas AB BBB Stable A-2 Sirius International Insurance Corp. A- Stable Skandinaviska Enskilda Banken AB (publ) A+ Negative A-1 SKF AB BBB+ Negative Sodertalje (Municipality of) AA+ Stable A-1+ Sparbanken Skane BBB+ Positive A-2 Specialfastigheter Sverige AB AA+ Stable A-1+ SSAB AB BB- Stable B Stadshypotek AB AA- Negative A-1+ Stena AB BB Stable Stockholm (City of) AAA Stable A-1+ Stockholm County Council AA+ Stable A-1+ Stockholms Kooperativa Bostadsforening AA- Stable A-1+ Sundsvall (Municipality of) AA+ Stable A-1+ Svenska Cellulosa Aktiebolaget SCA A- Stable A-2 Svenska Handelsbanken AB AA- Negative A-1+ Sveriges Angfartygs Assurans Forening (The Swedish Club) BBB+ Stable Swedbank AB A+ Negative A-1 Swedbank Mortgage AB A+ Negative A-1

Swedbank Sjuharad AB A- Stable A-2 Sweden (Kingdom of) AAA Stable A-1+ Swedish Export Credit Corp. AA+ Stable A-1+ Swedish Match AB BBB Stable A-2 Taby (Municipality of) AAA Stable Tekniska verken i Linkoping AB A Stable A-1 TeliaSonera AB A- Stable A-2 TeliaSonera Forsakring AB A- Stable Trygg-Hansa Forsakrings AB, Publikt. A Stable Unilabs Holding AB B Stable Uppsala (City of) AA+ Stable A-1+ Uppsalahem AB AA- Stable A-1+ Vasteras (City of) AA+ Positive A-1+ Vastra Gotaland (Region of) AAA Stable A-1+ Vattenfall AB A- Stable A-2 Vellinge (Municipality of) AAA Stable A-1+ Verisure Holding AB B Stable Willhem AB (publ) A- Stable A-2 ESTONIA Eesti Energia AS BBB+ Stable Estonia (Republic of) AA- Stable A-1+ LATVIA Latvia (Republic of) A- Stable A-2 Riga (City of) BBB+ Stable A-2 LITHUANIA Bite Finance International B.V. B Stable Lithuania (Republic of) A- Stable A-2 UAB Bite Lietuva B Stable SD = Selective Default CW= CreditWatch pi= Public information NR= Not rated NM= Not meaningful