Bank für Tirol und Vorarlberg : HTT Template Hypothekarisch

A. Harmonised Transparency Template - General Information	HTT 2021
	Reporting in Domestic Currency	EUR
	CONTENT OF TAB A
	1. Basic Facts
	2. Regulatory Summary
	3. General Cover Pool / Covered Bond Information		`

1. References to Capital Requirements Regulation (CRR) 129(7)
2. References to Capital Requirements Regulation (CRR) 129(1)
   6. Other relevant information

Field	1. Basic Facts
Number
G.1.1.1	Country	AUT
G.1.1.2	Issuer Name	BTV
G.1.1.3	Link to Issuer's Website	Link BTV
G.1.1.4	Cut-off date	44286
OG.1.1.1	Optional information e.g. Contact names
OG.1.1.2	Optional information e.g. Parent name
OG.1.1.3
OG.1.1.4
OG.1.1.5
OG.1.1.6
OG.1.1.7
OG.1.1.8
	2. Regulatory Summary
G.2.1.1	UCITS Compliance (Y/N)	Y
G.2.1.2	CRR Compliance (Y/N)	Y
G.2.1.3	LCR status	[Insert link to the issuer's profile on the Covered
Bond Label website]
OG.2.1.1
OG.2.1.2
OG.2.1.3
OG.2.1.4
OG.2.1.5
OG.2.1.6
	3. General Cover Pool / Covered Bond Information
	1.General Information	Nominal (mn)
G.3.1.1	Total Cover Assets	670,5493373
G.3.1.2	Outstanding Covered Bonds	297
OG.3.1.1	Cover Pool Size [NPV] (mn)	[Mark as ND1 if not relevant]
OG.3.1.2	Outstanding Covered Bonds [NPV] (mn)	[Mark as ND1 if not relevant]
OG.3.1.3
OG.3.1.4
	2. Over-collateralisation (OC)	Legal / Regulatory	Actual	Minimum Committed	Purpose
G.3.2.1	OC (%)	2,0%	125,8%	[For completion]	[Mark as ND1 if not relevant]
OG.3.2.1	Optional information e.g. Asset Coverage Test (ACT)
OG.3.2.2	Optional information e.g. OC (NPV basis)
OG.3.2.3
OG.3.2.4
OG.3.2.5
OG.3.2.6
	3. Cover Pool Composition	Nominal (mn)		% Cover Pool
G.3.3.1	Mortgages	670,5		100,0%
G.3.3.2	Public Sector	[For completion]
G.3.3.3	Shipping	[For completion]
G.3.3.4	Substitute Assets	[For completion]
G.3.3.5	Other	[For completion]
G.3.3.6	Total	670,5		100,0%
OG.3.3.1	o/w [If relevant, please specify]			0,0%
OG.3.3.2	o/w [If relevant, please specify]			0,0%
OG.3.3.3	o/w [If relevant, please specify]			0,0%

OG.3.3.4	o/w [If relevant, please specify]			0,0%
OG.3.3.5	o/w [If relevant, please specify]			0,0%
OG.3.3.6	o/w [If relevant, please specify]			0,0%
	4. Cover Pool Amortisation Profile	Contractual	Expected Upon Prepayments	% Total Contractual	% Total Expected Upon Prepayments
G.3.4.1	Weighted Average Life (in years)	16,1	[Mark as ND1 if not relevant]
	Residual Life (mn)
	By buckets:
G.3.4.2	0 - 1 Y	2,9	[Mark as ND1 if not relevant]	0,4%
G.3.4.3	1 - 2 Y	2,9	[Mark as ND1 if not relevant]	0,4%
G.3.4.4	2 - 3 Y	7,4	[Mark as ND1 if not relevant]	1,1%
G.3.4.5	3 - 4 Y	8,5	[Mark as ND1 if not relevant]	1,3%
G.3.4.6	4 - 5 Y	12,9	[Mark as ND1 if not relevant]	1,9%
G.3.4.7	5 - 10 Y	102,4	[Mark as ND1 if not relevant]	15,3%
G.3.4.8	10+ Y	533,5	[Mark as ND1 if not relevant]	79,6%
G.3.4.9	Total	670,5	0,0	100,0%	0,0%
OG.3.4.1	o/w 0-1 day			0,0%
OG.3.4.2	o/w 0-0.5y			0,0%
OG.3.4.3	o/w 0.5-1 y			0,0%
OG.3.4.4	o/w 1-1.5y			0,0%
OG.3.4.5	o/w 1.5-2 y			0,0%
OG.3.4.6
OG.3.4.7
OG.3.4.8
OG.3.4.9				0,00%
OG.3.4.10				0,00%
	5. Maturity of Covered Bonds	Initial Maturity	Extended Maturity	% Total Initial Maturity	% Total Extended Maturity
G.3.5.1	Weighted Average life (in years)	5,8	[Mark as ND1 if not relevant]
	Maturity (mn)
G.3.5.2	By buckets:
G.3.5.3	0 - 1 Y	0,0	[Mark as ND1 if not relevant]	0,0%
G.3.5.4	1 - 2 Y	30,0	[Mark as ND1 if not relevant]	10,1%
G.3.5.5	2 - 3 Y	54,0	[Mark as ND1 if not relevant]	18,2%
G.3.5.6	3 - 4 Y	40,0	[Mark as ND1 if not relevant]	13,5%
G.3.5.7	4 - 5 Y	10,0	[Mark as ND1 if not relevant]	3,4%
G.3.5.8	5 - 10 Y	128,0	[Mark as ND1 if not relevant]	43,1%
G.3.5.9	10+ Y	35,0	[Mark as ND1 if not relevant]	11,8%
G.3.5.10	Total	297,0	0,0	100,0%	0,0%
OG.3.5.1	o/w 0-1 day			0,0%
OG.3.5.2	o/w 0-0.5y			0,0%
OG.3.5.3	o/w 0.5-1 y			0,0%
OG.3.5.4	o/w 1-1.5y			0,0%
OG.3.5.5	o/w 1.5-2 y			0,0%
OG.3.5.6
OG.3.5.7
OG.3.5.8
OG.3.5.9
OG.3.5.10
	6. Cover Assets - Currency	Nominal [before hedging] (mn)	Nominal [after hedging] (mn)	% Total [before]	% Total [after]
G.3.6.1	EUR	608,3	[For completion]	90,7%
G.3.6.2	AUD	[For completion]	[For completion]
G.3.6.3	BRL	[For completion]	[For completion]
G.3.6.4	CAD	[For completion]	[For completion]
G.3.6.5	CHF	62,3	[For completion]	9,3%
G.3.6.6	CZK	[For completion]	[For completion]
G.3.6.7	DKK	[For completion]	[For completion]
G.3.6.8	GBP	[For completion]	[For completion]
G.3.6.9	HKD	[For completion]	[For completion]
G.3.6.10	JPY	[For completion]	[For completion]
G.3.6.11	KRW	[For completion]	[For completion]
G.3.6.12	NOK	[For completion]	[For completion]
G.3.6.13	PLN	[For completion]	[For completion]
G.3.6.14	SEK	[For completion]	[For completion]
G.3.6.15	SGD	[For completion]	[For completion]
G.3.6.16	USD	[For completion]	[For completion]

G.3.6.17	Other	[For completion]	[For completion]
G.3.6.18	Total	670,5	0,0	100,0%	0,0%
OG.3.6.1	o/w [If relevant, please specify]
OG.3.6.2	o/w [If relevant, please specify]			0,0%
OG.3.6.3	o/w [If relevant, please specify]			0,0%
OG.3.6.4	o/w [If relevant, please specify]			0,0%
OG.3.6.5	o/w [If relevant, please specify]			0,0%
OG.3.6.6	o/w [If relevant, please specify]			0,0%
OG.3.6.7	o/w [If relevant, please specify]			0,0%
	7. Covered Bonds - Currency	Nominal [before hedging] (mn)	Nominal [after hedging] (mn)	% Total [before]	% Total [after]
G.3.7.1	EUR	297,0	[For completion]	100,0%
G.3.7.2	AUD	[For completion]	[For completion]
G.3.7.3	BRL	[For completion]	[For completion]
G.3.7.4	CAD	[For completion]	[For completion]
G.3.7.5	CHF	[For completion]	[For completion]
G.3.7.6	CZK	[For completion]	[For completion]
G.3.7.7	DKK	[For completion]	[For completion]
G.3.7.8	GBP	[For completion]	[For completion]
G.3.7.9	HKD	[For completion]	[For completion]
G.3.7.10	JPY	[For completion]	[For completion]
G.3.7.11	KRW	[For completion]	[For completion]
G.3.7.12	NOK	[For completion]	[For completion]
G.3.7.13	PLN	[For completion]	[For completion]
G.3.7.14	SEK	[For completion]	[For completion]
G.3.7.15	SGD	[For completion]	[For completion]
G.3.7.16	USD	[For completion]	[For completion]
G.3.7.17	Other	[For completion]	[For completion]
G.3.7.18	Total	297,0	0,0	100,0%	0,0%
OG.3.7.1	o/w [If relevant, please specify]
OG.3.7.2	o/w [If relevant, please specify]
OG.3.7.3	o/w [If relevant, please specify]
OG.3.7.4	o/w [If relevant, please specify]
OG.3.7.5	o/w [If relevant, please specify]
OG.3.7.6	o/w [If relevant, please specify]
OG.3.7.7	o/w [If relevant, please specify]
	8. Covered Bonds - Breakdown by interest rate	Nominal [before hedging] (mn)	Nominal [after hedging] (mn)	% Total [before]	% Total [after]
G.3.8.1	Fixed coupon	217,0	[For completion]	73,1%
G.3.8.2	Floating coupon	80,0	[For completion]	26,9%
G.3.8.3	Other	0,0	[For completion]	0,0%
G.3.8.4	Total	297,0	0,0	100,0%	0,0%
OG.3.8.1
OG.3.8.2
OG.3.8.3
OG.3.8.4
OG.3.8.5
	9. Substitute Assets - Type	Nominal (mn)		% Substitute Assets
G.3.9.1	Cash	[For completion]
G.3.9.2	Exposures to/guaranteed by Supranational, Sovereign, Agency (SSA)	[For completion]
G.3.9.3	Exposures to central banks	[For completion]
G.3.9.4	Exposures to credit institutions	[For completion]
G.3.9.5	Other	[For completion]
G.3.9.6	Total	0,0		0,0%
OG.3.9.1	o/w EU gvts or quasi govts
OG.3.9.2	o/w third-party countries Credit Quality Step 1 (CQS1) gvts or quasi govts
OG.3.9.3	o/w third-party countries Credit Quality Step 2 (CQS2) gvts or quasi govts
OG.3.9.4	o/w EU central banks
OG.3.9.5	o/w third-party countries Credit Quality Step 1 (CQS1) central banks
OG.3.9.6	o/w third-party countries Credit Quality Step 2 (CQS2) central banks
OG.3.9.7	o/w CQS1 credit institutions
OG.3.9.8	o/w CQS2 credit institutions
OG.3.9.9

OG.3.9.10
OG.3.9.11
OG.3.9.12
	10. Substitute Assets - Country	Nominal (mn)	% Substitute Assets
G.3.10.1	Domestic (Country of Issuer)	[For completion]
G.3.10.2	Eurozone	[For completion]
G.3.10.3	Rest of European Union (EU)	[For completion]
G.3.10.4	European Economic Area (not member of EU)	[For completion]
G.3.10.5	Switzerland	[For completion]
G.3.10.6	Australia	[For completion]
G.3.10.7	Brazil	[For completion]
G.3.10.8	Canada	[For completion]
G.3.10.9	Japan	[For completion]
G.3.10.10	Korea	[For completion]
G.3.10.11	New Zealand	[For completion]
G.3.10.12	Singapore	[For completion]
G.3.10.13	US	[For completion]
G.3.10.14	Other	[For completion]
G.3.10.15	Total EU	[For completion]
G.3.10.16	Total	0,0	0,0%
OG.3.10.1	o/w [If relevant, please specify]
OG.3.10.2	o/w [If relevant, please specify]
OG.3.10.3	o/w [If relevant, please specify]
OG.3.10.4	o/w [If relevant, please specify]
OG.3.10.5	o/w [If relevant, please specify]
OG.3.10.6	o/w [If relevant, please specify]
OG.3.10.7	o/w [If relevant, please specify]
	11. Liquid Assets	Nominal (mn)	% Cover Pool	% Covered Bonds
G.3.11.1	Substitute and other marketable assets	[For completion]
G.3.11.2	Central bank eligible assets	[For completion]
G.3.11.3	Other	[For completion]
G.3.11.4	Total	0,0	0,0%	0,0%
OG.3.11.1	o/w [If relevant, please specify]
OG.3.11.2	o/w [If relevant, please specify]
OG.3.11.3	o/w [If relevant, please specify]
OG.3.11.4	o/w [If relevant, please specify]
OG.3.11.5	o/w [If relevant, please specify]
OG.3.11.6	o/w [If relevant, please specify]
OG.3.11.7	o/w [If relevant, please specify]
	12. Bond List
G.3.12.1	Bond list	[Insert link to the issuer's profile on the Covered
Bond Label website]
	13. Derivatives & Swaps
G.3.13.1	Derivatives in the register / cover pool [notional] (mn)	[For completion]
G.3.13.2	Type of interest rate swaps (intra-group, external or both)	[For completion]
G.3.13.3	Type of currency rate swaps (intra-group, external or both)	[For completion]
OG.3.13.1	NPV of Derivatives in the cover pool (mn)
OG.3.13.2	Derivatives outside the cover pool [notional] (mn)
OG.3.13.3	NPV of Derivatives outside the cover pool (mn)
OG.3.13.4
OG.3.13.5
	14. Sustainable or other special purpose strategy - optional
G.3.14.1	Cover pool involved in a sustainable/special purpose strategy? (Y/N)	[For completion]
G.3.14.2	If yes to G.3.14.1 is there a commitment (1) or are already sustainable	[For completion]
components present (2)?
G.3.14.3	specific criteria	[ESG, SDG, blue loan etc.]
G.3.14.4	link to the committed objective criteria	[link on the issuer's website to the objective
criteria the labelled pool is committed to]

OG.3.14.1

OG.3.14.2

OG.3.14.3

OG.3.14.4

OG.3.14.5

OG.3.14.6

OG.3.14.7

OG.3.14.8

OG.3.14.9

OG.3.14.10

OG.3.14.11

OG.3.14.12

OG.3.14.13

OG.3.14.14

OG.3.14.15

OG.3.14.16

OG.3.14.17

OG.3.14.18

OG.3.14.19

OG.3.14.20

OG.3.14.21

OG.3.14.22

OG.3.14.23

OG.3.14.24

OG.3.14.25

OG.3.14.26

OG.3.14.27

OG.3.14.28

OG.3.14.29

OG.3.14.30

OG.3.14.31

OG.3.14.32

OG.3.14.33

OG.3.14.34

OG.3.14.35

OG.3.14.36

OG.3.14.37

OG.3.14.38

OG.3.14.39

OG.3.14.40

OG.3.14.41

4. References to Capital Requirements Regulation (CRR)	Row	Row
129(7)

The issuer believes that, at the time of its issuance and based on transparency data made publicly available by the issuer, these covered bonds would satisfy the eligibility criteria for Article 129(7) of the Capital Requirements Regulation (EU) 575/2013. It should be noted, however, that

whether or not exposures in the form of covered bonds are eligible to preferential treatment under Regulation (EU) 575/2013 is ultimately a matter to be determined by a relevant investor institution and its relevant supervisory authority and the issuer does not accept any responsibility in this regard.

G.4.1.1	(i)	Value of the cover pool outstanding covered bonds:	38
G.4.1.2			(i)	Value of covered bonds:	39
G.4.1.3			(ii)	Geographical distribution:	43 for Mortgage Assets
G.4.1.4			(ii)	Type of cover assets:	52
G.4.1.5				(ii)	Loan size:	186 for Residential Mortgage Assets	412 for Commercial Mortgage Assets
G.4.1.6			(ii)	Interest rate risk - cover pool:	149 for Mortgage Assets
G.4.1.7			(ii)	Currency risk - cover pool:	111
G.4.1.8			(ii)	Interest rate risk - covered bond:	163
G.4.1.9		(ii)	Currency risk - covered bond:	137
G.4.1.10	(Please refer to "Tab D. HTT Harmonised Glossary" for hedging strategy)	17 for Harmonised Glossary
G.4.1.11		(iii)	Maturity structure of cover assets:	65
G.4.1.12		(iii)	Maturity structure of covered bonds:	88
G.4.1.13	(iv)	Percentage of loans more than ninety days past due:	179 for Mortgage Assets
OG.4.1.1

OG.4.1.2

OG.4.1.3

OG.4.1.4

OG.4.1.5

OG.4.1.6

OG.4.1.7

OG.4.1.8

OG.4.1.9

OG.4.1.10

5. References to Capital Requirements Regulation (CRR)

129(1)