Investor Presentaiton
13
Scorecard
Capital
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S&P rating uplift for strong capital position
Common Equity Tier 1 capital ratio 12.8 per cent as of
Jun 30, 2018
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IRB method for credit risk capital requirement not yet
approved for the Swedish credit portfolio
.
Risk Management
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Long history of having the lowest loan loss level of all
Finnish banks. Loan loss level was 0.05 per cent Q1
2018.
No trading positions or complex financial instruments
Strict limits on exposures to financial institutions. Bulk
of the exposure is to highly rated Nordic entities
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Liquidity and Funding
Core funding ratio of 90 per cent as of Jun 30, 2018
Liquidity reserve at 19 per cent of total assets as of
Jun 30, 2018
LCR at 135 per cent as of Jun 30, 2018
NSFR at 107 per cent as of Jun 30, 2018
AAA rating on covered bonds
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Profitability
Challenging interest rate environment
Positive earnings trend
Net operating profit of EUR 7.5 M Q2 2018
Return on equity 10.2 per cent Q2 2018
ALANDSBANKENView entire presentation