Investor relations

The Mortgage Society of Finland Group’s (Hypo Group) parent company Hypo is an authorized credit institution. It is a mutual company governed by its member customers. Suomen Asuntohypopankki (AHP), Hypo’s wholly-owned subsidiary, is a deposit bank offering customers deposits, banking and land trustee services. AHP is a member of the Deposit Guarantee Fund and Investor’s Compensation Fund. Hypo and AHP are monitored by the Finnish Financial Supervisory Authority (FIN-FSA).

Hypo Group’s wholesale funding issuer is the parent company Hypo. Hypo can issue senior preferred, subordinated debentures and covered bonds under the joint programme available below. According to the Finnish Covered Bond Act (Act 151/2022, Cover Pool 2), the value of overcollateralisation shall constantly be at least 2% (or 5%, if CRR Art. 129(3)(a)(3) is not fulfilled). And according to the repealed Finnish Mortgage Credit Bank Act (Act 688/2010, Cover Pool 1) the overcollateralisation shall continuously be at least 2%.

In addition, Hypo is committed to continuously maintain an overcollateralisation at a level commensurate with the S&P rating level of ‘AAA’ for both Cover Pool 1 (Act 688/2010) and for Cover Pool 2 (Act 151/2022).

 Funding

• Base Prospectus 2025 and Final Terms
• Base Prospectus 2024 and Final Terms
• Base Prospectus 2023 and Final Terms
• Base Prospectus 2022(Sep) and Final Terms

 

 Investor Presentations

• Investor Presentation 1Q2026
• Investor Presentation 4Q2025
• Investor Presentation 3Q2025
• Investor Presentation 2Q2025
• Investor Presentation 1Q2025
• Investor Presentation 4Q2024
• Investor Presentation 3Q2024
• Investor Presentation 2Q2024
• Investor Presentation 1Q2024

 

Covered Bond Investor Material

2026

• Covered Bond Transparency Report as at 31.3.2026
• Hypo Cover Pool 1, ECBC Harmonised Transparency Template (HTT) as at 31.3.2026
• Hypo Cover Pool 2, ECBC Harmonised Transparency Template (HTT) as at 31.3.2026
• Global Investor Call, February 2026

2025

• Covered Bond Transparency Report as at 31.12.2025
• Hypo Cover Pool 1, ECBC Harmonised Transparency Template (HTT) as at 31.12.2025
• Hypo Cover Pool 2, ECBC Harmonised Transparency Template (HTT) as at 31.12.2025
• Covered Bond Transparency Report as at 30.9.2025
• Hypo Cover Pool 1, ECBC Harmonised Transparency Template (HTT) as at 30.9.2025
• Hypo Cover Pool 2, ECBC Harmonised Transparency Template (HTT) as at 30.9.2025
• Global Investor Call, September 2025
• Covered Bond Transparency Report as at 30.6.2025
• Hypo Cover Pool 1, ECBC Harmonised Transparency Template (HTT) as at 30.6.2025
• Hypo Cover Pool 2, ECBC Harmonised Transparency Template (HTT) as at 30.6.2025
• Covered Bond Transparency Report as at 31.3.2025
• Hypo Cover Pool 1, ECBC Harmonised Transparency Template (HTT) as at 31.3.2025
• Hypo Cover Pool 2, ECBC Harmonised Transparency Template (HTT) as at 31.3.2025

2024

• Covered Bond Transparency Report as at 31.12.2024
• Hypo Cover Pool 1, ECBC Harmonised Transparency Template (HTT) as at 31.12.2024
• Hypo Cover Pool 2, ECBC Harmonised Transparency Template (HTT) as at 31.12.2024
• Investor Update (November 2024)
• Covered Bond Transparency Report as at 30.9.2024
• Hypo Cover Pool 1, ECBC Harmonised Transparency Template (HTT) as at 30.9.2024
• Hypo Cover Pool 2, ECBC Harmonised Transparency Template (HTT) as at 30.9.2024
• Covered Bond Transparency Report as at 30.6.2024
• Hypo Cover Pool 1, ECBC Harmonised Transparency Template (HTT) as at 30.6.2024
• Hypo Cover Pool 2, ECBC Harmonised Transparency Template (HTT) as at 30.6.2024
• Covered Bond Transparency Report as at 31.3.2024
• Hypo Cover Pool 1, ECBC Harmonised Transparency Template (HTT) as at 31.3.2024
• Hypo Cover Pool 2, ECBC Harmonised Transparency Template (HTT) as at 31.3.2024
• Investor Update (February 2024)

Older presentations and investor material can be found in the Archive