Overview
All figures from 31 March 2012
| Cover pool size (MEUR) |
13 378 |
| Total number of loans |
225 265 |
| Total number of borrowers |
181 877 |
Loan Volume and LTV
| Loan categories |
Loan volume (MEUR) |
LTV indexed |
| Single family houses |
6 279 |
52.0% |
| Tenant owner units |
6 463 |
51.7% |
| Summer houses |
336 |
52.6% |
| Commercial |
102 |
43.6% (unindexed) |
| Public sector |
189 |
|
| Total |
13 378 |
|
| WALTV total portfolio indexed |
51.6% |
| WALTV total portfolio unindexed |
55.4% |
| WA loan size (EUR) |
63 034 |
| Average covered amount |
59 386 |
| WA seasoning of portfolio (months) |
52 |
Geographic Distribution of the Portfolio
| Ahvenanmaa |
0.6% |
| Etelä-Karjala |
1.9% |
| Etelä-Pohjanmaa |
2.6% |
| Etelä-Savo |
1.8% |
| Itä-Uusimaa |
1.7% |
| Kainuu |
0.9% |
| Kanta-Häme |
3.3% |
| Keski-Pohjanmaa |
0.9% |
| Keski-Suomi |
5.1% |
| Kymenlaakso |
3.5% |
| Lappi |
2.5% |
| Pirkanmaa |
9.2% |
| Pohjois-Karjala |
1.7% |
| Pohjois-Pohjanmaa |
5.9% |
| Pohjois-Savo |
3.3% |
| Päijät-Häme |
4.0% |
| Satakunta |
3.11% |
| Uusimaa |
38.7% |
| Varsinais-Suomi |
6.7% |
| Vaasan rannikkoseutu |
2.4% |
Interest Index Distribution
| Fixed rate |
6% |
| Floating |
94% |
Over Collateralisation
Unindexed LTV Ranges Distribution
| |
Loan volume (% of pool) |
| 0-≤10% |
21.8% |
| >10%-≤20% |
19.3% |
| >20%-≤30% |
16.7% |
| >30%-≤40% |
14.3% |
| >40%-≤50% |
11.9% |
| >50%-≤60% |
9.3% |
| >60%-≤70% |
6.7% |
| >70%-≤75% |
0.0% |
| >75%-≤100% |
0.0% |
Seasoning of Loans
| |
Balance (MEUR) |
% |
| 0-<18 months |
1 983 |
15 |
| >=18-60 months |
6 893 |
52 |
| >=60 months |
4 501 |
34 |
| Total |
13 378 |
100 |
Non-performing mortgage loans in the housing loan portfolio
| EUR millions |
84.5 |
| Percentage of portfolio |
0.33% |
Net credit loss in respect of housing loan portfolio
| EUR millions |
0.351 |
| Percentage of portfolio |
0.001% |
