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{"sheet":"Report","index":0,"n_rows":122,"n_cols":14,"rows_kept":122,"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]]}
[]
[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:","2025-09-30"]
[]
[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 September 2025"]
[null,"**Negative outlook as of September 2025"]
[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"]
[null,"Total of outstanding bonds",{"$f":"SUM(C20:C26)+C29","v":1000}]
[null," of which repos"]
[]
[null,"Bond redemptions (MEUR)",2025,2026,2027,2028,2029,2030,2031,2032,2033,2035,"2035-","Sum"]
[null,"Total",null,500,null,500,null,null,null,null,null,null,null,{"$f":"SUM(C34:M34)","v":1000}]
[]
[null,"Cover pool 2"]
[]
[null,"Cover pool assets (MEUR) ","Volume","%",null,"Cover pool items"]
[null,"Loans (up to LTV limit)",1262.81,1,null,"Number of loans",null,null,8156]
[null,"Substitute assets",0,null,null,"Average loan size (EUR)",null,null,147148.70000000001]
[null,"Other",0]
[null,"Eligible assets (*",1200.1500000000001]
[null,"Other eligible assets",0]
[null,"Total assets ",1262.81,100]
[]
[]
[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",4.0999999999999996,3.0000000000000001E-3,null,"Single -family housing",null,568.73,0.47399999999999998]
[null,"Central Ostrobothnia",21.81,1.7999999999999999E-2,null,"Flats",null,631.41999999999996,0.52600000000000002]
[null,"Etela-Savo",4.0999999999999996,3.0000000000000001E-3,null,"Multi-family housing",null,0,"%"]
[null,"Ita-Uusimaa",0,0,null,"Commercial",null,0,"%"]
[null,"Kainuu",1.37,1E-3,null,"Forest & agricultural",null,0,"%"]
[null,"Kanta-Hame",5.51,5.0000000000000001E-3,null,"Public sector",null,0,"%"]
[null,"Kymenlaakso",2.97,2E-3]
[null,"Lapland",4.45,4.0000000000000001E-3,null,"Sum",null,1200.1500000000001,1]
[null,"North Karelia",1.23,1E-3]
[null,"North Ostrobothnia",42.54,3.5000000000000003E-2]
[null,"Ostrobothnia",142.38,0.11899999999999999]
[null,"Other",30.29,2.5000000000000001E-2]
[null,"Paijat-Hame",7.4,6.0000000000000001E-3]
[null,"Pirkanmaa",83.57,7.0000000000000007E-2]
[null,"Pohjois-Savo",4.57,4.0000000000000001E-3]
[null,"Satakunta",2.17,2E-3]
[null,"South Karelia",2.2999999999999998,2E-3]
[null,"South Ostrobothnia",2.57,2E-3]
[null,"Uusimaa",696.02,0.57999999999999996]
[null,"Varsinais-Suomi",140.79,0.11700000000000001]
[null,"Sum",1200.1500000000001,0.99999999999999989]
[]
[null,"Interest rate type on loans, MEUR","Volume","%",null,"Repayments, MEUR",null,"Volume","%"]
[null,"Floating",1114.3311334,0.92800000000000005,null,"Amortizing",null,1200.1500000000001,1]
[null,"Fixed",85.81,7.1999999999999995E-2,null,"Interest only (*",null,0,0]
[null,"Sum",1200.1500000000001,1,null,"Sum",null,1200.1500000000001,1]
[null,null,null,null,null,"*) Contract level, not customer level information"]
[]
[null,"LTV distribution (indexed)","0-40%","40-50%","50-60%","60-70%","70-80%","80-90%","90-100%","Sum"]
[null,"Loan volume, MEUR",11.31,2.88,291.31,394.1,306.94,183.18,10.44,1200.1500000000001]
[null,"Percentage",8.9999999999999993E-3,2E-3,0.24299999999999999,0.32800000000000001,0.25600000000000001,0.153,8.9999999999999993E-3,1]
[]
[null,"Loan maturity MEUR","0 - 1 Y","1 - 2 Y","2 - 3 Y","3 - 4 Y","4 - 5 Y","5 - 10 Y","10+ Y","Sum"]
[null,"Contractual amortizations",67.47,51.79,50.15,53.77,52.56,245.6,741.46,1262.81]
[null,"Percentage",5.2999999999999999E-2,4.1000000000000002E-2,0.04,4.2999999999999997E-2,4.2000000000000003E-2,0.19400000000000001,0.58699999999999997,1]
[]
[null,"Seasoning","0-12 M","12-24 M","24-36 M","36-60 M","> 60 M","Sum"]
[null,"Loan volume, MEUR",182.4,164.82,100.47,237.52,514.94000000000005,1200.1500000000001]
[null,"Percentage",0.152,0.13700000000000001,8.4000000000000005E-2,0.19800000000000001,0.42899999999999999,1]
[]
[null,"Credit quality"]
[null,"Past due","1-29 d","30-59 d","60-89 d","≥ 90 d","Sum"]
[null,"Loan volume, MEUR",6.69,0,0,0,6.69]
[null,"Percentage",5.5999999999999999E-3,0,0,0,5.5999999999999999E-3]
[]
[null,"Impaired Loans"]
[null,"Impaired loans, %*",0]
[]
[null,"Key ratios"]
[]
[null,"Key ratios",null,null,null,"Calculated according to: "]
[null,"OC, accounting",0.2,null,null,"Eligible assets, section 16 in Mortgage Credit Bank Act"]
[null,"OC, nominal ",0.26300000000000001,null,null,"Total assets, including loan balances up to 100% LTV limit"]
[null,"OC, NPV",0.30399999999999999,null,null,"Eligible assets, section 16 in Mortgage Credit Bank Act"]
[null,"WALTV (indexed)",0.68200000000000005,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,11.5,null,"Section 17 in Mortgage Credit Bank Act"]
[null,"Liabilities",null,1.7,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."]

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[]
[null,null,null,"Glossary"]
[]
[null,null,null,"Key Concept's explanations"]
[]
[null,null,null,1,"Covered Bond"]
[null,null,null,null,null,"A bond collateralised by a mortgage-backed credit (mortgage loan) or a public-sector credit (public-sector loan) entered in the register of bonds.\n\n\n"]
[null,null,null,2,"Register of Bonds"]
[null,null,null,null,null,"A register kept by the issuer required by Act on Mortgage Credit Bank Operations, which  may also reffered as Covered Bond Act."]
[null,null,null,3,"Cover Pool"]
[null,null,null,null,null,"Cover pool consists of the Mortgage-backed credits, Public sector credits and Supplementary collateral entered into the Register of Bonds as security for the Covered Bonds.  A mortgage bank may have several pools for managing different conditions for  different bond issues.\n\n\n"]
[null,null,null,4,"Mortgage-backed credits  / Mortgage loan"]
[null,null,null,null,null,"A mortgage-backed credit can be\n\na)  a housing loan:  a loan/credit the collateral of which is a mortgage on mortgageable property for primarily residential purposes, shares in a housing company, comparable shares, participations and rights of occupancy, or collateral comparable to the aforementioned collateral, situated in another State belonging to the European Economic Area.\n\nb) a commercial property credit: a credit/loan the collateral of which is a mortgage on mortgageable property for commercial or office purposes, or shares of a housing company or a real estate company entitling to occupancy of the commercial or office premises or collateral comparable to the aforementioned collateral, situated in another State belonging to the European Economic Area\n"]
[null,null,null,5,"Public sector credits "]
[null,null,null,null,null,"A credit which has been granted to the Finnish State, a Finnish municipality or other public-sector entity which may, be considered equivalent to the Finnish State or Finnish municipality or a credit which is fully collateralised by a guarantee of a public-sector entity or a claim on such entity."]
[null,null,null,6,"Intermediary credit/loan"]
[null,null,null,null,null,"A credit/loan which has been granted by a mortgage credit bank to a deposit bank or credit entity. The debtor of the Intermediary Loan shall provide collateral in the form of Mortgage-backed credits and public-sector credits to be registered in the Register of Bonds as security for the Covered Bonds of the mortgage credit bank. "]
[null,null,null,7,"Supplementary Collateral"]
[null,null,null,null,null,"The following supplementary collateral may temporarily be used as collateral for a covered bond:\n\n1) bonds and other debt obligations issued by a central government, a municipality or another public-sector entity or another credit institution than one belonging to the same consolidation group as the issuer;\n\n2) a guarantee as for own debt granted by a public-sector organisation or credit institution referred to in paragraph 1;\n\n3) a credit insurance given by an insurance company other than one belonging to the same group, referred to in the Act on Supervision of Finance and Insurance Groups (699/2004), with the issuer;\n\n4) assets of the issuer deposited in the Bank of Finland or a deposit bank; if the issuer is a deposit bank the deposit may not be in a deposit bank belonging to the same consolidation group as the issuer. \n\nSupplementary collateral may temporarily be used in situations where:\n\n1) mortgage-backed credits or public-sector credits have not yet been granted or registered as collateral for the covered bond; or\n\n2) the total amount of collateral is not otherwise sufficient\n\nThe amount of supplementary collateral  shall not exceed 20 per cent of the total amount of all the collateral entered in the register of bonds, however in such a manner that receivables from credit institutions shall not exceed 15 per cent of the total amount of collateral. The Financial Supervisory Authority may, on application by the issuer, for a special reason, grant an exemption from the latter restriction for a set period.\n"]
[null,null,null,8,"Overcollateralisation"]
[null,null,null,null,null,"Overcollateralization is the ratio of eligible assets to issued bonds. The ratio may be expressed as notional or present value basis."]
[null,null,null,9,"Guaranteed loans (if part of the cover pool)"]
[null,null,null,null,null,"Finnish mortgage-backed credits may have guarantees. Guarantees are in favor of the investor. The guarantees are not reported."]
[null,null,null,10,"Non-Performing Loans"]
[null,null,null,null,null,"Non-performing loans are not eligible. According to the Mortgage Credit Bank Act Section 16 the FIN FSA sets quidelines for defining the non-performing loans. Each issuer may decide to use a stricter definion on non-performing loans."]
[null,null,null,11,"Capped floating rate loans"]
[null,null,null,null,null,"A cover pool may have capped loans. These should normally  be hedged not to expose mortgage credit bank to optionality risk."]
[null,null,null,12,"Soft Bullets (Extendable maturity)"]
[null,null,null,null,null,"A covered bond may have an extendable maturity. For example 5 years + 1 year extendable. Legal maturity would then be 6 years. "]
[null,null,null,13,"Supervision"]
[null,null,null,null,null,"The Financial Supervisory Authority supervises mortgage credit bank operations referred to in the Act on Mortgage Credit Bank Operations. The Financial Supervisory Authority has the right to issue regulations for risk management and internal control in respect of mortgage credit bank operations. "]
[null,null,null,14,"Total Amount of Collateral"]
[null,null,null,null,null,"The total amount of collateral of covered bonds shall take into account:\n\n1) an amount not exceeding 70 per cent of the current value of the shares or real estate placed as collateral for each housing loan;  \n\n2) an amount not exceeding 60 per cent of the current value of the shares or real estate placed as collateral for each commercial property credit; and\n\n3) public-sector credits and supplementary collaterals at book value.\n\nIntermediary credits and credits entered in the register of bonds which must, in accordance with the regulations issued by the Financial Supervisory Authority, be booked as non-performing credit shall not be taken into account in the total amount of collateral.\n\nThe total amount of collateral of covered bonds shall continuously exceed the remaining combined capital of the covered bonds.\n\nThe net present value of the total amount of collateral of covered bonds shall continuously exceed by at least 2 per cent the total net present value of the payment liabilities resulting from the covered bonds. \n\nMortgage-backed credits and public-sector credits of the debtor of the intermediary credit entered in the register of bonds are taken into account in the total amount of collateral. When calculating the current value of mortgage-backed credits, payments are taken into account in the proportion in which they are taken into account in the total amount of collateral. Derivatives contracts, concluded to hedge against risks relating to covered bonds and the assets placed as collateral for them, entered into the register of bonds shall also be taken into account when determining the total amount of collateral. The Financial Supervisory Authority may issue further provisions on the calculation of the current value.\n\n"]
[null,null,null,15,"Loan-to-Value (LTV)"]
[null,null,null,null,null,"LTV is calculated ([Eligible loan balance] + [Higher Priority Pledge]) / [Property value]. Property value may be indexed or non-indexed depending on the purpose.  A more exact formula may be used, for example in case of share of Housing Company Loan."]
[null,null,null,16,"Indexed Property Value"]
[null,null,null,null,null,"The indexed property value is used to calculate an estimate for the current value of the property. Indexing is performed at least quarterly."]
[null,null,null,17,"Derivatives "]
[null,null,null,null,null,"Derivatives contracts may only be concluded in mortgage credit bank operations to hedge risks."]
[null,null,null,18,"Currency Risk"]
[null,null,null,null,null,"Collateral for a covered bond, entered in the register of bonds must be in the same currency as the covered bond. The derivatives contracts concluded to hedge against risks relating to covered bonds and the assets placed as collateral for them shall also be taken into account."]
[null,null,null,19,"Seasoning"]
[null,null,null,null,null,"Seasoning measures the time elapsed since the origination of the loan."]
[null,null,null,20,"Regional Distribution"]
[null,null,null,null,null,"Finland is divided into regions. Finnish land register has a registration number, which determines the region of the property."]
[null,null,null,21,"Accrued Interest Cash Flow"]
[null,null,null,null,null,"Accrued interest cash flow is calculated using current forward rate forecasts taking the effect of the derivatives into account."]
[null,null,null,22,"Loan Maturity"]
[null,null,null,null,null,"Loan maturity list the contractual loan principal cash flows. Because of the floating rate annuities the interest rates have a minor effect to the contractual schedule."]
[null,null,null,23,"Table Currency Risk"]
[null,null,null,null,null,"Table lists the notionals of the assets and liabilities together with the notionals of the derivatives contracts used to modify the currency risk to show the net notional currency exposure."]
[null,null,null,24,"Table Interest Rate Risk"]
[null,null,null,null,null,"Table shows the use of interest rate derivatives contracts to modify the interest rate risk of the mortgage credit institution. The textual part may tell the effect of 1% upward interest rate shift to the present value accross all the financial contracts of the mortgage credit institution."]
[]
[null,null,null,25,"OC Calculcation: Legal Minimum"]
[null,null,null,null,null,"According to the Mortgage Credit Bank Act Section 16 the legal minimum OC is 2 %. Non-performing loans are not eligible."]

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["2013-01-31"]
[null,null," SELECT  dato",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null," SELECT   A.eod_date, a.CONS_ORG_ID, "]
["Øverste niveau",null," FROM supermule.kalender",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"  a.CONS_ORG_ID||'_'||A.RC_CATEGORY_ID||'_'||A.RC_MEASURE_ID ORG_CAT, "]
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["bortset fra nr.",null,"                                     FROM supermule.kalender",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"  A.risk, A.rc_category_id, A.rc_measure_id"]
["1008, 331, 334, 3450",null,"                                     WHERE dato = TRUNC(sysdate)",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null," FROM     marsp.rc_risk_ac A,"]
[null,null,"                                     )",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"  marsp.rc_category cat,"]
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["2012-02-08",null,"SQL extract forslag til kørselsdato",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"  WHERE   A.cons_org_id IN (53301,50401,50300,50400,54501,53300,53400,53301,53401,50006,50021,54500,50273,30000,35500,54501,16000,1008,5000223,5000221)"]
[null,null,"2013-01-31",null,"APM eks",null,null,null,null,null,null,null,null,null,null,null,null,null,null," AND  A.rc_category_id = cat.rc_category_id"]
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[null,null,"Bankdato -2  (forrige bankdag)",null,"           SUM (percent_allocated * principal_nominal_value / 100) / 1e+6 cov"]
[null,null," SELECT  dato",null,"    FROM   ap_dm.ap_t_contracts"]
[null,null," FROM supermule.kalender",null,{"$f":"CONCATENATE(\"   WHERE       position_date = to_date \",LEFT(C36,11))","v":"   WHERE       position_date = to_date "}]
[null,null," WHERE bankdag_nr IN (SELECT bankdag_nr - 1",null,"           AND pool_id IN ('P1C', 'P2C', 'P3C')"]
[null,null,"                                     FROM supermule.kalender",null,"           AND is_public_customer = 'Y'                    "]
[null,null,{"$f":"\" WHERE  dato = to_date('\"&Dan_uk_dato($A$3)&\"','DD-MON-YY')\"","v":" WHERE  dato = to_date('31-tammi-13','DD-MON-YY')"},null,"GROUP BY   pool_id"]
[null,null,"                                     )"]
["Bankdato - XDage"]
["2011-08-01"]
[null,null,null,null,"test"]
[]
[null,null,"Bankdato -10  (forrige bankdag)",null," select * "]
[null,null," SELECT  dato",null," from AP_DM.AP_T_CONTRACTS a"]
[null,null," FROM supermule.kalender",null," where A.POSITION_DATE = date '2013-01-31'"]
["Antal dages historik",null,{"$f":"\" WHERE bankdag_nr IN (SELECT bankdag_nr - \" & historik","v":" WHERE bankdag_nr IN (SELECT bankdag_nr - 10"},null," AND CONTRACT_NUM = '10362006063319'",null,null,null,null,null,null,null,null,null,null,null,null,null,null,"ALLRISK day-1 på alle categorier"]
[10,null,"                                     FROM supermule.kalender"]
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[null,null,"                                     )"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null," SELECT   A.eod_date, a.CONS_ORG_ID, "]
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[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null," FROM     marsp.rc_risk_ac A,"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"  marsp.rc_category cat,"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"  marsp.rc_measure measure"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"  WHERE   A.cons_org_id IN (53301,50401,50300,50400,54501,53300,53400,53301,53401,50006,50021,54500,50273,30000,35500,54501,16000,1008,5000223,5000221)"]
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[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"\" AND A.EOD_DATE = TO_DATE('\"&Dan_uk_dato($A$11)&\"','DD-MON-YY')\"","v":" AND A.EOD_DATE = TO_DATE('08-helmi-12','DD-MON-YY')"}]

{"sheet":"SQL 2","index":3,"n_rows":77,"n_cols":17,"rows_kept":77,"cut":false,"hidden":true,"merged":[]}
[null,null,"EUR bankdag -2",null,"SEK bankdag -2",null,"DKK bankdag -2",null,"NOK bankdag -2",null,"GBP bankdag -2",null,"USD bankdag -2",null,"IR_Linear AUD, CAD, CHF, CZK, JPY, PLN",null,"IR_Linear High Volatility"]
[]
[null,null," SELECT sum(ladderp.sens_base)",null," SELECT sum(ladderp.sens_base)",null," SELECT sum(ladderp.sens_base)",null," SELECT sum(ladderp.sens_base)",null," SELECT sum(ladderp.sens_base)",null," SELECT sum(ladderp.sens_base)",null," SELECT       sum(NVL(audmm,0)),",null," SELECT       sum(NVL(aedmm,0)),"]
[null,null," FROM  g33935.interest_sens_ac_v             ladderp,",null," FROM  g33935.interest_sens_ac_v             ladderp,",null," FROM  g33935.interest_sens_ac_v             ladderp,",null," FROM  g33935.interest_sens_ac_v             ladderp,",null," FROM  g33935.interest_sens_ac_v             ladderp,",null," FROM  g33935.interest_sens_ac_v             ladderp,",null,"       sum(NVL(cadmm,0)),",null,"       sum(NVL(arsmm,0)),"]
[{"$f":"#REF!","v":{"$error":"#REF!"}},null,"               marsp.currency_price               kurs,",null,"               marsp.currency_price               kurs,",null,"               marsp.currency_price               kurs,",null,"               marsp.currency_price               kurs,",null,"               marsp.currency_price               kurs,",null,"               marsp.currency_price               kurs,",null,"       sum(NVL(chfmm,0)),",null,"       sum(NVL(brlmm,0)),"]
[{"$f":"#REF!","v":{"$error":"#REF!"}},null,"               marsp.product_structure      grp",null,"               marsp.product_structure      grp",null,"               marsp.product_structure      grp",null,"               marsp.product_structure      grp",null,"               marsp.product_structure      grp",null,"               marsp.product_structure      grp",null,"       sum(NVL(czkmm,0)),",null,"       sum(NVL(cnymm,0)),"]
[{"$f":"#REF!","v":{"$error":"#REF!"}},null,{"$f":"\"         WHERE ladderp.eod_date        = to_date('\"&Dan_uk_dato($A$11)&\"','DD-MON-YY')\"","v":{"$error":"#VALUE!"}},null,{"$f":"\"         WHERE ladderp.eod_date        = to_date('\"&Dan_uk_dato($A$11)&\"','DD-MON-YY')\"","v":{"$error":"#VALUE!"}},null,{"$f":"\"         WHERE ladderp.eod_date        = to_date('\"&Dan_uk_dato($A$11)&\"','DD-MON-YY')\"","v":{"$error":"#VALUE!"}},null,{"$f":"\"         WHERE ladderp.eod_date        = to_date('\"&Dan_uk_dato($A$11)&\"','DD-MON-YY')\"","v":{"$error":"#VALUE!"}},null,{"$f":"\"         WHERE ladderp.eod_date        = to_date('\"&Dan_uk_dato($A$11)&\"','DD-MON-YY')\"","v":{"$error":"#VALUE!"}},null,{"$f":"\"         WHERE ladderp.eod_date        = to_date('\"&Dan_uk_dato($A$11)&\"','DD-MON-YY')\"","v":{"$error":"#VALUE!"}},null,"       sum(NVL(jpymm,0)),",null,"       sum(NVL(copmm,0)),"]
[{"$f":"#REF!","v":{"$error":"#REF!"}},null,{"$f":"\"         AND ladderp.org_id  IN (SELECT ORG_ID FROM MARSP.CONS_ORG_STRUCTURE_STD WHERE CONS_ORG_ID IN(\"&$A$6&\",\"&$A$14&\"))\"","v":{"$error":"#REF!"}},null,{"$f":"\"         AND ladderp.org_id  IN (SELECT ORG_ID FROM MARSP.CONS_ORG_STRUCTURE_STD WHERE CONS_ORG_ID IN(\"&$A$6&\",\"&$A$14&\"))\"","v":{"$error":"#REF!"}},null,{"$f":"\"         AND ladderp.org_id  IN (SELECT ORG_ID FROM MARSP.CONS_ORG_STRUCTURE_STD WHERE CONS_ORG_ID IN(\"&$A$6&\",\"&$A$14&\"))\"","v":{"$error":"#REF!"}},null,{"$f":"\"         AND ladderp.org_id  IN (SELECT ORG_ID FROM MARSP.CONS_ORG_STRUCTURE_STD WHERE CONS_ORG_ID IN(\"&$A$6&\",\"&$A$14&\"))\"","v":{"$error":"#REF!"}},null,{"$f":"\"         AND ladderp.org_id  IN (SELECT ORG_ID FROM MARSP.CONS_ORG_STRUCTURE_STD WHERE CONS_ORG_ID IN(\"&$A$6&\"))\"","v":{"$error":"#REF!"}},null,{"$f":"\"         AND ladderp.org_id  IN (SELECT ORG_ID FROM MARSP.CONS_ORG_STRUCTURE_STD WHERE CONS_ORG_ID IN(\"&$A$6&\",\"&$A$14&\"))\"","v":{"$error":"#REF!"}},null,"       sum(NVL(plnmm,0))",null,"       sum(NVL(cypmm,0)),"]
[null,null,{"$f":"\"         AND  ladderp.org_id     NOT IN (SELECT ORG_ID FROM MARSP.CONS_ORG_STRUCTURE_STD WHERE CONS_ORG_ID IN(\"&$A$8&\"))\"","v":{"$error":"#REF!"}},null,{"$f":"\"         AND  ladderp.org_id     NOT IN (SELECT ORG_ID FROM MARSP.CONS_ORG_STRUCTURE_STD WHERE CONS_ORG_ID IN(\"&$A$8&\"))\"","v":{"$error":"#REF!"}},null,{"$f":"\"         AND  ladderp.org_id     NOT IN (SELECT ORG_ID FROM MARSP.CONS_ORG_STRUCTURE_STD WHERE CONS_ORG_ID IN(\"&$A$8&\"))\"","v":{"$error":"#REF!"}},null,{"$f":"\"         AND  ladderp.org_id     NOT IN (SELECT ORG_ID FROM MARSP.CONS_ORG_STRUCTURE_STD WHERE CONS_ORG_ID IN(\"&$A$8&\"))\"","v":{"$error":"#REF!"}},null,{"$f":"\"         AND  ladderp.org_id     NOT IN (SELECT ORG_ID FROM MARSP.CONS_ORG_STRUCTURE_STD WHERE CONS_ORG_ID IN(\"&$A$8&\"))\"","v":{"$error":"#REF!"}},null,{"$f":"\"         AND  ladderp.org_id     NOT IN (SELECT ORG_ID FROM MARSP.CONS_ORG_STRUCTURE_STD WHERE CONS_ORG_ID IN(\"&$A$8&\"))\"","v":{"$error":"#REF!"}},null," FROM    (SELECT term_id, ",null,"       sum(NVL(eekmm,0)),"]
[{"$f":"#REF!","v":{"$error":"#REF!"}},null,"         AND ladderp.currency_id            = 'EUR'",null,"         AND ladderp.currency_id            = 'SEK'",null,"         AND ladderp.currency_id            = 'DKK'",null,"         AND ladderp.currency_id            = 'NOK'",null,"         AND ladderp.currency_id            = 'GBP'",null,"         AND ladderp.currency_id            = 'USD'",null,"          (NVL(DECODE(ladderp.currency_id,'AUD',ladderp.sens_base,",null,"       sum(NVL(hkdmm,0)),"]
[{"$f":"#REF!","v":{"$error":"#REF!"}},null,"         AND kurs.currency_id            = 'DKK'",null,"         AND kurs.currency_id            = 'DKK'",null,"         AND kurs.currency_id            = 'DKK'",null,"         AND kurs.currency_id            = 'DKK'",null,"         AND kurs.currency_id            = 'DKK'",null,"         AND kurs.currency_id            = 'DKK'",null,"                0),0)) audmm,",null,"       sum(NVL(inrmm,0)),"]
[null,null,"         AND ladderp.product_id           =  grp.product_id (+)",null,"         AND ladderp.product_id           =  grp.product_id (+)",null,"         AND ladderp.product_id           =  grp.product_id (+)",null,"         AND ladderp.product_id           =  grp.product_id (+)",null,"         AND ladderp.product_id           =  grp.product_id (+)",null,"         AND ladderp.product_id           =  grp.product_id (+)",null,"          (NVL(DECODE(ladderp.currency_id,'CAD',ladderp.sens_base,",null,"       sum(NVL(krwmm,0)),"]
[{"$f":"#REF!","v":{"$error":"#REF!"}},null,"         AND ladderp.eod_date             = kurs.eod_date",null,"         AND ladderp.eod_date             = kurs.eod_date",null,"         AND ladderp.eod_date             = kurs.eod_date",null,"         AND ladderp.eod_date             = kurs.eod_date",null,"         AND ladderp.eod_date             = kurs.eod_date",null,"         AND ladderp.eod_date             = kurs.eod_date",null,"                0),0)) cadmm,",null,"       sum(NVL(kwdmm,0)),"]
[{"$f":"#REF!","v":{"$error":"#REF!"}},null,"         AND grp.product_tree_id (+) = 2",null,"         AND grp.product_tree_id (+) = 2",null,"         AND grp.product_tree_id (+) = 2",null,"         AND grp.product_tree_id (+) = 2",null,"         AND grp.product_tree_id (+) = 2",null,"         AND grp.product_tree_id (+) = 2",null,"          (NVL(DECODE(ladderp.currency_id,'CHF',ladderp.sens_base,",null,"       sum(NVL(ltlmm,0)),"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,"                0),0)) chfmm,",null,"       sum(NVL(lvlmm,0)),"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,"          (NVL(DECODE(ladderp.currency_id,'CZK',ladderp.sens_base,",null,"       sum(NVL(mxnmm,0)),"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,"                0),0)) czkmm,",null,"       sum(NVL(nzdmm,0)),"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,"          (NVL(DECODE(ladderp.currency_id,'JPY',ladderp.sens_base,",null,"       sum(NVL(rubmm,0)),"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,"                0),0)) jpymm,",null,"       sum(NVL(sarmm,0)),"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,"          (NVL(DECODE(ladderp.currency_id,'PLN',ladderp.sens_base,",null,"       sum(NVL(sgdmm,0)),"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,"                0),0)) plnmm",null,"       sum(NVL(skkmm,0)),"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,"         FROM  g33935.interest_sens_ac_v             ladderp,",null,"       sum(NVL(thbmm,0)),"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,"               marsp.currency_price               kurs",null,"       sum(NVL(zarmm,0))"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"\"         WHERE ladderp.eod_date        = to_date('\"&Dan_uk_dato($A$11)&\"','DD-MON-YY')\"","v":{"$error":"#VALUE!"}},null," FROM    (SELECT term_id, "]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"\"         AND ladderp.org_id  IN (SELECT ORG_ID FROM MARSP.CONS_ORG_STRUCTURE_STD WHERE CONS_ORG_ID IN(\"&$A$6&\",\"&$A$14&\"))\"","v":{"$error":"#REF!"}},null,"          (NVL(DECODE(ladderp.currency_id,'AED',ladderp.sens_base,"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"\"         AND  ladderp.org_id     NOT IN (SELECT ORG_ID FROM MARSP.CONS_ORG_STRUCTURE_STD WHERE CONS_ORG_ID IN(\"&$A$8&\"))\"","v":{"$error":"#REF!"}},null,"                0),0)) aedmm,"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,"         AND ladderp.currency_id            IN ('AUD','CAD','CHF','CZK','JPY',",null,"          (NVL(DECODE(ladderp.currency_id,'ARS',ladderp.sens_base,"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,"                                              'PLN')",null,"                0),0)) arsmm,"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,"         AND kurs.currency_id            = 'DKK'",null,"          (NVL(DECODE(ladderp.currency_id,'BRL',ladderp.sens_base,"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,"         AND ladderp.eod_date             = kurs.eod_date)",null,"                0),0)) brlmm,"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"          (NVL(DECODE(ladderp.currency_id,'CNY',ladderp.sens_base,"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"                0),0)) cnymm,"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"          (NVL(DECODE(ladderp.currency_id,'COP',ladderp.sens_base,"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"                0),0)) copmm,"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"          (NVL(DECODE(ladderp.currency_id,'CYP',ladderp.sens_base,"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"                0),0)) cypmm,"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"          (NVL(DECODE(ladderp.currency_id,'EEK',ladderp.sens_base,"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"                0),0)) eekmm,"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"          (NVL(DECODE(ladderp.currency_id,'HKD',ladderp.sens_base,"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"                0),0)) hkdmm,"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"          (NVL(DECODE(ladderp.currency_id,'INR',ladderp.sens_base,"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"                0),0)) inrmm,"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"          (NVL(DECODE(ladderp.currency_id,'KRW',ladderp.sens_base,"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"                0),0)) krwmm,"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"          (NVL(DECODE(ladderp.currency_id,'KWD',ladderp.sens_base,"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"                0),0)) kwdmm,"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"          (NVL(DECODE(ladderp.currency_id,'LTL',ladderp.sens_base,"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"                0),0)) ltlmm,"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"          (NVL(DECODE(ladderp.currency_id,'LVL',ladderp.sens_base,"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"                0),0)) lvlmm,"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"          (NVL(DECODE(ladderp.currency_id,'MXN',ladderp.sens_base,"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"                0),0)) mxnmm,"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"          (NVL(DECODE(ladderp.currency_id,'NZD',ladderp.sens_base,"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"                0),0)) nzdmm,"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"          (NVL(DECODE(ladderp.currency_id,'RUB',ladderp.sens_base,"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"                0),0)) rubmm,"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"          (NVL(DECODE(ladderp.currency_id,'SAR',ladderp.sens_base,"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"                0),0)) sarmm,"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"          (NVL(DECODE(ladderp.currency_id,'SGD',ladderp.sens_base,"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"                0),0)) sgdmm,"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"          (NVL(DECODE(ladderp.currency_id,'SKK',ladderp.sens_base,"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"                0),0)) skkmm,"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"          (NVL(DECODE(ladderp.currency_id,'THB',ladderp.sens_base,"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"                0),0)) thbmm,"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"          (NVL(DECODE(ladderp.currency_id,'ZAR',ladderp.sens_base,"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"                0),0)) zarmm"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"         FROM  g33935.interest_sens_ac_v             ladderp,"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"               marsp.currency_price               kurs"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"\"         WHERE ladderp.eod_date        = to_date('\"&Dan_uk_dato($A$11)&\"','DD-MON-YY')\"","v":{"$error":"#VALUE!"}}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"\"         AND ladderp.org_id  IN (SELECT ORG_ID FROM MARSP.CONS_ORG_STRUCTURE_STD WHERE CONS_ORG_ID IN(\"&$A$6&\",\"&$A$14&\"))\"","v":{"$error":"#REF!"}}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"\"         AND  ladderp.org_id     NOT IN (SELECT ORG_ID FROM MARSP.CONS_ORG_STRUCTURE_STD WHERE CONS_ORG_ID IN(\"&$A$8&\"))\"","v":{"$error":"#REF!"}}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"         AND ladderp.currency_id            IN ('AED','ARS','BRL','CNY','COP',"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"                                              'CYP','EEK','HKD','INR','KRW','KWD',"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"                                              'LTL','LVL','MXN','NZD','RUB','SAR',"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"                                              'SGD','SKK','THB','ZAR')"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"         AND kurs.currency_id            = 'DKK'"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"         AND ladderp.eod_date             = kurs.eod_date)"]