Investor Presentaiton
CAJA RURAL
DE NAVARRA
Cover Pool
Analysis
Amount
€M
6000
4000
2000
O
Dec-17
Jun-18
Dec-18
Jun-19
Dec-19
Total
Jun-20
100%
Loan to value (LTV)
Residential
Dec-20
Jun-21
Dec-21
Commercial -----Covered Bonds
Jun-22
Dec-22
80%
60%
40%
20%
0%
Dec-17
Jun-18
Dec-18
Jun-19
Total
Dec-19
Jun-20
Dec-20
Residential
Jun-21
Dec-21
Jun-22
Commercial
Dec-22
Current loan balance¹
>1mn
2.79%
500k-1mn
2.33%
300k-500k
4.26%
200k-300k
10.35%
150k-200k
13.44%
5/7 COVERED BOND PROGRAMME
100k-150k
50k-100k
27.07%
30.14%
<= 50k
9.62%
0%
5%
10%
15%
20%
25%
30%
35%
Loan seasoning
32.82%
35%
30%
25%
20%
15%
19.66%
15.52%
14.64%
10.82%
10%
6.53%
5%
0%
<= 12
12-24
24-36
36-60
60-96
>96
Data prior to Jul 2022 (date of entry into force of RDL 24/2021), used as reference portfolio the whole mortgage pool. From Jul 2022 onwards, the reference portfolio is the Cover Pool, as defined by RDL 24/2021.
1 Current Loan Balance calculated on a WA basis
Caja Rural de Navarra Investor Presentation 35View entire presentation