Investor Presentaiton
0,10%
0,08%
0,06%
0,04%
0,02%
0,00%
-0,02%
5
Performance of housing loan portfolio - Nordea Bank Finland
Q3 2016
•
•
Low level of loan losses supported by strong household sector
Impaired non-performing loans are at low levels
Net loan losses % for Nordea Bank Finland's housing loan
portfolio
2005
2006
2007
2008
2009
2010
2011
2012
2013
2014
2015 Q1
2015 Q2
2015 Q3
2015 Q4
2016 Q1
2016 Q2
2016 Q3
EURM
35 000
30 000
25 000
20 000
15 000
10 000
5 000
0
Nordea Bank Finland's housing loan stock and level of impaired
non-performing loans*
4,00%
3,50%
3,00%
2,50%
- 2,00%
- 1,50%
1,00%
0,50%
0,00%
2005
2006
2007
2008
Lending (EURm) (LHS)
2009
2010
Non-performing loans (RHS)
*The majority of the increase in Q4-2015 is model driven and is related to an improved way
of calculating collectively assessed provisions on contract level, implemented in Q4-2015
2011
2012
2013
2014
2015 Q1
2015 Q2
2015 Q3
2015 Q4
2016 Q1
2016 Q2
2016 Q3
NordeaView entire presentation