Investor Presentaiton
Scorecard December 31, 2020
5
Capital
• Strong capital position
CET1 capital ratio 14.3 %
IRB method for credit risk capital requirement
not yet approved for the Swedish credit
portfolio
Liquidity and Funding
•
•
Loan/ deposit ratio of 121 %
Liquidity reserve at 19% of total assets
LCR at 159 %
.
NSFR at 106 %
•
BBB bank rating with positive outlook
AAA rating with a stable outlook on Covered
Bonds
Risk Management
.
Long history of having the lowest loan loss
level of all Finnish banks
Loan loss level was 0.11% in 2020 including
EUR 2.0 M Covid-19 provision (0.08 % in
2019)
No trading positions or complex financial
instruments
Strict limits on exposures to financial
institutions. Bulk of the exposure is to highly
rated Nordic entities
Profitability
•
•
.
•
Positive earnings trend
Challenging interest rate environment
Net operating profit of EUR 12.3 M in Q4 2020
(EUR 9.1 in Q4 2019)
ROE 13.6 % in Q4 2020 (11.4 % in Q4 2019)
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