Aktia Pankki Oyj : Cover pool report 2020 09 pool1

Aktia Bank plc Cover asset pool 1 report			30.9.2020
Covered Bonds issued under the Euro Medium Term Note and Covered Bond Programme
	ISIN	Issue Date	Maturity Date	Nominal Amount	Coupon
Series 1	RCB 3,97% 11/2011-3	25.11.2011		25.11.2031	10 000 000	3,97
Series 2	RCB 3,97% 11/2011-4	25.11.2011		25.11.2031	10 000 000	3,97
Series 3	RCB 3,97% 11/2011-5	25.11.2011		25.11.2031	1 000 000	3,97
Series 4	RCB 3,83 01/2012-1	27.1.2012		27.1.2032	10 000 000	3,83
Series 5	RCB 3,83 01/2012-2	27.1.2012		27.1.2032	10 000 000	3,83
Series 6	RCB 3,83 01/2012-3	27.1.2012		27.1.2032	1 000 000	3,83
Series 7	RCB 3,83 01/2012-4	27.1.2012		27.1.2032	1 000 000	3,83
				Sum, EUR	43 000 000
	Asset Pool Balance			EUR 0.137 bln. (no substitute assets)
No of loans / average loan balance			2,028/ EUR 67,635
	Types of loans			First ranking residential mortgages and
			pledges of shares in housing companies
	Geography			Finland only, well diversified with
			concentration on growth areas
Non-performing loans (> 90 days in			0,0
	arrears)
	WA indexed LTV				35,85 %
				Covered Bond refinancing max LTV limit:
	Maximum LTV				70%
			Loans exceeding LTV 70 haircut at LTV 70%
	Interest rate			floating 98 %, fixed 2 %
	WA seasoning				97 months
	Overcollateralisation (%)			218,98 %

Geographical distribution

2%	0%	0%
0%
24%				Southern Finland
			Western Finland
				Eastern Finland
				Oulu area

73%		Lapland
		Åland

Loans by size

Thousands

40 000
30 000
20 000																							Loan balance
10 000
0
EUR t	0-49	50-99100-149150-199200-249250-299300-349350-399 > 400

Thousands

1. 000

1. 000

0

LTV %

Loans by LTV

Indexed loan balance

							Seasoning
Thousands	100 000
50 000
	0
	Months 0-12	12-24	24-36			36-60	60-

Loan balance