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{"sheet":"Report","index":0,"n_rows":143,"n_cols":14,"rows_kept":143,"cut":false,"hidden":false,"merged":[[4,7,6,8],[7,2,7,3],[115,2,115,3],[115,4,115,5],[115,6,115,7],[125,2,125,3],[125,4,125,5],[125,6,125,7]]}
[]
[null,"Issuer and rating"]
[]
[null,"Issuer:","Aktia Bank PLC"]
[null,"Owner:","Aktia Bank PLC",null,null,null,null,"CRD compliant: \nYes"]
[null,"Pool ID:","Mortgage Covered Bonds"]
[null,"Supervisory authority: ","Finnish FSA"]
[null,"Reporting date:","2023-06-30"]
[]
[null,"Long Term Rating","S&P","Moody's","Fitch"]
[null,"Covered bond",null,"Aaa"]
[null,"Issuer","A-**","A2*"]
[null,"Owner","A-**","A2*"]
[null,"*Negative outlook as of April 2023"]
[null,"**Stable outlook as of January 2021"]
[null,"Outstanding covered bonds"]
[]
[null,"Outstanding benchmark covered bonds"]
[null,"ISIN","MEUR","Currency","Issue date","Maturity","Coupon","Fix/FRN"]
[null,"XS2630109226",500,"EUR","2023-05-30","2027-05-31",3.3750000000000002E-2,"Fix"]
[]
[]
[]
[]
[]
[]
[]
[null,null,"MEUR"]
[null,"Non-benchmark bonds"]
[null,"Total of outstanding bonds",500]
[null," of which repos"]
[]
[null,"Bond redemptions (MEUR)",2021,2022,2023,2024,2025,2026,2027,2028,2029,2030,"2031-","Sum"]
[null,"Total",null,null,null,null,null,null,500,null,null,null,null,500]
[]
[null,"Cover pool 1"]
[]
[null,"Cover pool assets (MEUR) ","Volume","%",null,"Cover pool items"]
[null,"Loans (up to LTV limit)",655.46205066000005,1,null,"Number of loans",null,null,6367]
[null,"Substitute assets",0,null,null,"Number of clients",null,null,5838]
[null,"Other",0,null,null,"Number of properties",null,null,7103]
[null,"Eligible assets (*",634.48675196399995,null,null,"Average loan size (EUR)",null,null,102946.76467095964]
[null,"Other eligible assets",0]
[null,"Total assets ",655.46205065999993,100]
[]
[]
[null,"* calculated according to section 16 in MCBA"]
[]
[null,"Volumes in stratification tables are presented as:",null,"LTV Distribution - whole loans. Other sections - Loans up to LTV limit / Total assets"]
[]
[null,"Regional distribution, MEUR","Volume","%",null,"                        ",null,"Volume","%"]
[null,"Central Finland",1.0330308800000001,1.5760346139945362E-3,null,"Single -family housing",null,329.33826507999999,0.50245207140273285]
[null,"Central Ostrobothnia",9.6138998499999992,1.4667363030887205E-2,null,"Flats",null,326.12378558,0.49754792859726721]
[null,"Etela-Savo",0.61640568000000007,9.4041398640749212E-4,null,"Multi-family housing",null,0,"%"]
[null,"Ita-Uusimaa",0,0,null,"Commercial",null,0,"%"]
[null,"Kainuu",7.4014490000000002E-2,1.1291956555756827E-4,null,"Forest & agricultural",null,0,"%"]
[null,"Kanta-Hame",3.3067050099999999,5.044845855942998E-3,null,"Public sector",null,0,"%"]
[null,"Kymenlaakso",1.4887793600000001,2.2713433348290932E-3]
[null,"Lapland",1.16204592,1.7728652922467578E-3,null,"Sum",null,655.46205065999993,1]
[null,"North Karelia",0.34234305999999998,5.2229272412535066E-4]
[null,"North Ostrobothnia",24.239341719999999,3.6980541734785169E-2]
[null,"Ostrobothnia",67.151964430000007,0.102449812864655]
[null,"Other",3.0149121299999999,4.5996745760707508E-3]
[null,"Paijat-Hame",2.1258282099999999,3.2432513947366656E-3]
[null,"Pirkanmaa",43.255252079999998,6.5992000660366659E-2]
[null,"Pohjois-Savo",1.11973367,1.7083119745414921E-3]
[null,"Satakunta",0.41337221000000002,6.3065773157083003E-4]
[null,"South Karelia",0.36135574999999998,5.5129926993659282E-4]
[null,"South Ostrobothnia",1.0456054399999999,1.5952188825381355E-3]
[null,"Uusimaa",425.71051682999996,0.64948156251203581]
[null,"Varsinais-Suomi",69.386943939999995,0.10585958999477189]
[null,"Sum",655.46205065999993,1]
[]
[null,"Interest rate type on loans, MEUR","Volume","%",null,"Repayments, MEUR",null,"Volume","%"]
[null,"Floating",646.09225176000007,0.98570504746908638,null,"Amortizing",null,653.38876875999995,0.9968369154279606]
[null,"Fixed",9.369798900000001,1.4294952530913623E-2,null,"Interest only (*",null,2.0732819,3.1630845720394709E-3]
[null,"Sum",655.46205066000005,1,null,"Sum",null,655.46205065999993,1]
[null,null,null,null,null,"*) Contract level, not customer level information"]
[]
[null,"LTV distribution (indexed)","<=10%","10-20%","20-30%","30-40%","40-50%","50-60%","60-70%","70-80%","Eligible assets",">80% up to 100%","Total loans"]
[null,"Loan volume, MEUR",140.251463659,135.71918122099999,116.68469370999999,88.102136689999995,58.966689594999998,42.464158558999998,33.426025447000001,18.872403083000002,634.48675196400006,20.975298695999999,655.46205066000005]
[null,"Percentage",0.21397343067806524,0.20705879323500295,0.17801899223991297,0.13441226170346229,8.9962019213202446E-2,6.4785075682477489E-2,5.0996126188148583E-2,2.8792518291481464E-2,0.96799921723175364,3.200078276824643E-2,1]
[]
[]
[null,"Loan maturity MEUR",2023,2024,2025,2026,2027,2028,2029,2030,2031,2032,"2033-","Sum"]
[null,"Contractual amortizations",35.958547614120008,26.745503393809916,29.89455908065009,32.95056468311995,32.658576460520031,32.344649290759982,32.467088841799978,32.477830948900042,32.186553814759968,31.056615930700005,336.72156060086002,655.46205065999993]
[null,"Percentage",5.4859846695796521E-2,4.0804045584148234E-2,4.5608375115765383E-2,5.027074359215955E-2,4.9825274289541789E-2,4.9346334022223569E-2,4.9533132862700613E-2,4.954952146535007E-2,4.9105137028681647E-2,4.7381257083348116E-2,0.51371633226028457,1]
[]
[null,"Seasoning","0-12 M","12-24 M","24-36 M","36-60 M","> 60 M","Sum"]
[null,"Loan volume, MEUR",124.00703551000001,61.36301855,62.544871829999998,106.65930609,300.88781868000001,655.46205066000005]
[null,"Percentage",0.18919025958121363,9.3617957726480336E-2,9.5421041945940435E-2,0.16272384645701801,0.45904689428934753,0.99999999999999989]
[]
[null,"Credit quality"]
[null,"Past due","1-29 d","30-59 d","60-89 d","≥ 90 d","Sum"]
[null,"Loan volume, MEUR",3.0721526299999997,0,0,0,3.0721526299999997]
[null,"Percentage",4.6870030490805343E-3,0,0,0,4.6870030490805343E-3]
[]
[null,"Impaired Loans"]
[null,"Impaired loans, %*",0]
[]
[null,"Key ratios"]
[]
[]
[null,"Key ratios",null,null,null,"Calculated according to: "]
[null,"OC, accounting",0.2689735039279999,null,null,"Eligible assets, section 16 in Mortgage Credit Bank Act"]
[null,"OC, nominal ",0.31092410131999992,null,null,"Total assets, including loan balances up to 100% LTV limit"]
[null,"OC, NPV",0.28069126672670541,null,null,"Eligible assets, section 16 in Mortgage Credit Bank Act"]
[null,"WALTV (indexed)",0.50122999999999995,null,null,"Eligible assets, section 16 in Mortgage Credit Bank Act"]
[]
[]
[null,"Remaining average maturity (MCBA)",null,"Years",null,"Calculated according to: "]
[null,"Assets",null,7.7182318390229732,null,"Section 17 in Mortgage Credit Bank Act"]
[null,"Liabilities",null,3.6414646773927504,null,"Section 5.4.3  Finnish FSA regulation and guidelines 6/2012 Mortgage bank "]
[null,null,null,null,null,"authorisation procedure and risk management"]
[]
[null,null,"Before hedges",null,"Hedges",null,"After hedges"]
[null,"Currency risk","Pool assets","Covered bonds","Pool assets","Covered bonds","Pool assets","Covered bonds"]
[null,"SEK",0,0,0,0,0,0]
[null,"EUR",0,0,0,0,0,0]
[null,"USD",0,0,0,0,0,0]
[null,"Other",0,0,0,0,0,0]
[null,"Sum",0,0,0,0,0,0]
[null,"According to Section 13 of the MCBA, collateral entered in the register of covered bonds must be in the same currency as the covered bond."]
[null,"This also applies to derivatives contracts concluded to hedge against risks relating to covered bonds and the assets placed as collateral for them."]
[]
[null,null,"Before hedges",null,"Hedges",null,"After hedges"]
[null,"Interest rate risk","Pool assets","Covered bonds","Pool assets","Covered bonds","Pool assets","Covered bonds"]
[null,"Floating",625.07414402999996,0,0,500,625.07414402999996,500]
[null,"Fixed",8.8336599299999996,500,0,-500,8.8336599299999996,0]
[null,"Capped floating ",0.57894800000000002,0,0,0,0.57894800000000002,0]
[null,"Sum",634.48675195999988,500,0,0,634.48675195999988,500]
[null,"The effect of 1% upward interest rate shift to the present value across all the financial contracts is -0,82%"]
[]
[null,"Accrued interest cash flows, MEUR","1Y","2Y","3Y","4Y","5Y","6Y","7Y","8Y","9Y","10Y"]
[null,"Interest income",44.527757619320006,43.071701133589997,38.924880247799997,35.075810577330003,18.770812782050001,17.373999381220003,16.199083283949999,15.089901013010001,14.12376206803,13.104818224060001]
[null,"Interest expense",37.886784465150001,36.2652527686,33.808321897840003,30.190963487849999,0,0,0,0,0,0]
[null,"Net",6.6409731541700054,6.8064483649899969,5.1165583499599947,4.8848470894800045,18.770812782050001,17.373999381220003,16.199083283949999,15.089901013010001,14.12376206803,13.104818224060001]
[]
[null,"Calculation method used:","Contractual maturities"]
[]
[null,"Calculated according to: "]
[null,"Section 17 in Mortgage Credit Bank Act"]
[null,"Section 5.4.4  Finnish FSA regulation and guidelines 6/2012 Mortgage bank authorisation procedure and risk management"]