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Investor Presentaiton

G.3.6.1 G.3.6.16 6. Covered Assets - Currency EUR Nominal [before hedging] (mn) Total 172,48 172,48 Nominal [after hedging] (mn) ND2 0 % Total [before] 100,00% 100,00% % Total [after] G.3.7.1 7. Covered Bonds - Currency EUR G.3.7.16 Total Nominal [before hedging] (mn) 135,00 135,00 Nominal [after hedging] (mn) ND2 0 8. Covered Bonds - Breakdown by interest rate G.3.8.1 Fixed coupon Nominal [before hedging] (mn) 0 Nominal [after hedging] (mn) ND2 G.3.8.2 Floating coupon 135,00 ND2 G.3.8.3. Other G.3.8.4 Total 0 135,00 ND2 ND2 9. Substitute Assets - Type G.3.9.6 Total 10. Substitute Assets - Country G.3.10.16 Total G.3.11.1 G.3.11.2 11. Liquid Assets Substitute and other marketable assets Central bank eligible assets Nominal (mn) Nominal (mn) Nominal (mn) 0 0 G.3.11.3 Other (cash) G.3.11.4 0 0 52,49 Total 52,49 0% % Cover Pool 0,00% 0,00% 30,43% 30,43% % Total [before] 100,00% 100,00% % Total [before] 0,00% 100,00% 0,00% 100,00% % Substitute Assets 0% % Substitute Assets 0% % Total [after] % Total [after] % Covered Bonds 0,00% 0,00% 38,88% 38,88% G.3.12.1 G.3.13.1 G.3.13.2 G.3.13.3 12. Bond List Bond list 13. Derivatives & Swaps Derivatives in the register / cover pool [notional] (mn) Type of interest rate swaps (intra-group, external or both) Type of currency rate swaps (intra-group, external or both) 4. References to Capital Requirements Regulation (CRR) 129(7) ND2 0 0 0 Row Row 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) 648/2012. It should be noted, however, that whether or not exposures in the form of covered bonds are eligible to preferential treatment under Regulation (EU) 648/2012 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: 172 MM € G.4.1.2 G.4.1.3 G.4.1.4 G.4.1.5 G.4.1.6 G.4.1.7 G.4.1.8 G.4.1.9 G.4.1.11 G.4.1.12 G.4.1.13 G.5.1.1 (i) Value of covered bonds: (ii) (ii) (ii) Geographical distribution: Type of cover assets: Loan size: (ii) Interest rate risk - cover pool: (ii) Currency risk-cover pool: (ii) Interest rate risk - covered bond: (ii) Currency risk-covered bond: (iii) Maturity structure of cover assets: (iii) Maturity structure of covered bonds: (iv) Percentage of loans more than ninety days past due: 5. References to Capital Requirements Regulation (CRR) 129(1) Exposure to credit institute credit quality step 1 & 2 6. Other relevant information 135 MM € Andorra 100% Mortgages For Residential Mortgage Assets Average loan size (000s) 82.979€ see IR Mortgage Assets -6. Breakdown by Interest Rate EUR Floating coupon EUR Weighted Average Life (in years) 15,19. Weighted Average life (in years) 5 0,66%
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