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{"sheet":"Report","index":0,"n_rows":141,"n_cols":14,"rows_kept":141,"cut":false,"hidden":false,"merged":[[4,7,6,8],[7,2,7,3],[113,2,113,3],[113,4,113,5],[113,6,113,7],[123,2,123,3],[123,4,123,5],[123,6,123,7]]}
[]
[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,"XS1958616176",500,"EUR","2019-03-05","2026-03-05",3.7499999999999999E-3,"Fix"]
[null,"XS2436153139",500,"EUR","2022-01-25","2028-10-25",1.25E-3,"Fix"]
[]
[]
[]
[]
[]
[]
[null,null,"MEUR"]
[null,"Non-benchmark bonds",300]
[null,"Total of outstanding bonds",1300]
[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,300,null,500,null,500,null,null,null,1300]
[]
[null,"Cover pool 2"]
[]
[null,"Cover pool assets (MEUR) ","Volume","%",null,"Cover pool items"]
[null,"Loans (up to LTV limit)",2082.6204862899999,1,null,"Number of loans",null,null,29513]
[null,"Substitute assets",0,null,null,"Number of clients",null,null,21118]
[null,"Other",0,null,null,"Number of properties",null,null,25385]
[null,"Eligible assets (*",2004.020192464,null,null,"Average loan size (EUR)",null,null,70566.207647138552]
[null,"Other eligible assets",0]
[null,"Total assets ",2082.6204862899999,100]
[]
[]
[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",2.1175269300000004,1.0167608279760001E-3,null,"Single -family housing",null,1075.9934175000001,0.5166536220032989]
[null,"Central Ostrobothnia",31.098045489999997,1.4932171125137807E-2,null,"Flats",null,1006.62706879,0.48334637799670122]
[null,"Etela-Savo",1.2088603500000001,5.8045157913215169E-4,null,"Multi-family housing",null,0,"%"]
[null,"Ita-Uusimaa",0,0,null,"Commercial",null,0,"%"]
[null,"Kainuu",1.0767356299999999,5.170100059459739E-4,null,"Forest & agricultural",null,0,"%"]
[null,"Kanta-Hame",7.3186913699999998,3.5141742906013504E-3,null,"Public sector",null,0,"%"]
[null,"Kymenlaakso",4.28580775,2.0578918618220157E-3]
[null,"Lapland",4.0457271299999995,1.9426137198943513E-3,null,"Sum",null,2082.6204862899999,1]
[null,"North Karelia",1.11923752,5.3741789604395008E-4]
[null,"North Ostrobothnia",63.79925618,3.0634124940186584E-2]
[null,"Ostrobothnia",253.85429194999998,0.12189176742528757]
[null,"Other",32.189111350000005,1.5456061995885768E-2]
[null,"Paijat-Hame",6.6390736299999995,3.1878461168059037E-3]
[null,"Pirkanmaa",102.25202987,4.9097773955039087E-2]
[null,"Pohjois-Savo",2.8356766900000001,1.3615907020349644E-3]
[null,"Satakunta",1.5406603999999999,7.3977011661137892E-4]
[null,"South Karelia",1.3923595500000001,6.6856134334890879E-4]
[null,"South Ostrobothnia",2.4824565199999999,1.1919869877119436E-3]
[null,"Uusimaa",1334.3773308499999,0.6407203519000586]
[null,"Varsinais-Suomi",228.98760712999999,0.10995167321047566]
[null,"Sum",2082.6204862899999,1]
[]
[null,"Interest rate type on loans, MEUR","Volume","%",null,"Repayments, MEUR",null,"Volume","%"]
[null,"Floating",1945.8398569999999,0.93432282540653278,null,"Amortizing",null,2076.0096717900001,0.99682572290846116]
[null,"Fixed",136.78062928999998,6.5677174593467239E-2,null,"Interest only (*",null,6.6108145,3.1742770915389237E-3]
[null,"Sum",2082.6204862899999,1,null,"Sum",null,2082.6204862899999,1]
[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%","Eligible assets",">70% up to 100%","Total loans"]
[null,"Loan volume, MEUR",488.61598884,400.99620411400002,348.11224264499998,295.86873191900003,235.25963332699999,158.46520428099998,76.702187338000002,2004.020192464,78.600293826000026,2082.6204862899999]
[null,"Percentage",0.23461595238142749,0.19254406011742375,0.16715106997969201,0.14206560142220795,0.11296327625495212,7.6089333281884414E-2,3.6829651798267873E-2,0.96225894523585564,3.7741054764144445E-2,1]
[]
[null,"Loan maturity MEUR",2023,2024,2025,2026,2027,2028,2029,2030,2031,2032,"2033-","Sum"]
[null,"Contractual amortizations",142.08076474826001,108.77820345929003,112.04198328552985,114.35411470007014,109.75149579096986,104.43268515167999,102.3128253331101,99.215922027430054,95.447206081470014,92.075434721169955,1002.12985099102,2082.6204862899999]
[null,"Percentage",6.8222110405417188E-2,5.2231409503259309E-2,5.3798560046397367E-2,5.4908762999725247E-2,5.269874973067331E-2,5.0144846763568229E-2,4.9126965765794006E-2,4.7639943369698741E-2,4.5830340530021663E-2,4.4211336307938665E-2,0.48118697457750631,1]
[]
[null,"Seasoning","0-12 M","12-24 M","24-36 M","36-60 M","> 60 M","Sum"]
[null,"Loan volume, MEUR",121.42500753,305.53030705999998,336.93244439999995,393.41008489000001,925.32264240999996,2082.6204862899999]
[null,"Percentage",5.8303953278740515E-2,0.14670474484973237,0.1617829300239981,0.18890147651952877,0.44430689532800022,1]
[]
[null,"Credit quality"]
[null,"Past due","1-29 d","30-59 d","60-89 d","≥ 90 d","Sum"]
[null,"Loan volume, MEUR",18.064586120000001,0,0,0,18.064586120000001]
[null,"Percentage",8.6739692800105062E-3,0,0,0,8.6739692800105062E-3]
[]
[null,"Impaired Loans"]
[null,"Impaired loans, %*",0]
[]
[null,"Key ratios"]
[]
[null,"Key ratios",null,null,null,"Calculated according to: "]
[null,"OC, accounting",0.54155399420307693,null,null,"Eligible assets, section 16 in Mortgage Credit Bank Act"]
[null,"OC, nominal ",0.60201575868461532,null,null,"Total assets, including loan balances up to 100% LTV limit"]
[null,"OC, NPV",0.60789384943740354,null,null,"Eligible assets, section 16 in Mortgage Credit Bank Act"]
[null,"WALTV (indexed)",0.46171699999999999,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,7.5004148349838315,null,"Section 17 in Mortgage Credit Bank Act"]
[null,"Liabilities",null,3.093241378230378,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",1451.33427966,0,0,1300,1451.33427966,1300]
[null,"Fixed",130.95479979999999,1300,0,-1300,130.95479979999999,0]
[null,"Capped floating ",421.73111299999999,0,434.12,0,421.73111299999999,0]
[null,"Sum",2004.0201924600001,1300,434.12,0,2004.0201924600001,1300]
[null,"The effect of 1% upward interest rate shift to the present value across all the financial contracts is -1,80 %"]
[]
[null,"Accrued interest cash flows, MEUR","1Y","2Y","3Y","4Y","5Y","6Y","7Y","8Y","9Y","10Y"]
[null,"Interest income",96.546137225360013,92.220622949759985,75.900786398209988,63.878350906400001,57.400051805049998,51.799257350480005,47.927217082219997,44.729404386869994,42.537779233549998,39.689589874700005]
[null,"Interest expense",63.234344500290007,49.506664051390004,36.633115029399995,21.1159420784,19.573941542469999,7.4840419540200003,2.1169442495499999,1.3991507092200002,0.28642491466000003,5.8793784299999994E-3]
[null,"Net",33.311792725070006,42.713958898369981,39.267671368809992,42.762408828000005,37.826110262580002,44.315215396460005,45.810272832669995,43.330253677649992,42.251354318889994,39.683710496270002]
[]
[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"]