Investor relations

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

Hypo's wholesale funding issuer is the parent company. 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 And according to the repealed Finnish Mortgage Credit Bank Act (Act 688/2010, Cover Pool 1) the overcollateralisation shall continuously be at least 2%.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 2026 and Final Terms(opens in new tab)
• Base Prospectus 2025 and Final Terms(opens in new tab)
• Base Prospectus 2024 and Final Terms(opens in new tab)
• Base Prospectus 2023 and Final Terms(opens in new tab)
• Base Prospectus 2022(Sep) and Final Terms(opens in new tab)

 

 Investor Presentations

• Investor Presentation 2Q2026(opens in new tab)
• Investor Presentation 1Q2026(opens in new tab)
• Investor Presentation 4Q2025(opens in new tab)
• Investor Presentation 3Q2025(opens in new tab)
• Investor Presentation 2Q2025(opens in new tab)
• Investor Presentation 1Q2025(opens in new tab)
• Investor Presentation 4Q2024(opens in new tab)
• Investor Presentation 3Q2024(opens in new tab)
• Investor Presentation 2Q2024(opens in new tab)
• Investor Presentation 1Q2024(opens in new tab)

 

Covered Bond Investor Material

2026

• Investor Update,(opens in new tab) September 2026
• Covered Bond Transparency Report as at 30.6.2026(opens in new tab)
• Hypo Cover Pool 1, ECBC Harmonised Transparency Template (HTT) as at 30.6.2026(opens in new tab)
• Hypo Cover Pool 2, ECBC Harmonised Transparency Template (HTT) as at 30.6.2026(opens in new tab)
• Covered Bond Transparency Report as at 31.3.2026(opens in new tab)
• Hypo Cover Pool 1, ECBC Harmonised Transparency Template (HTT) as at 31.3.2026(opens in new tab)
• Hypo Cover Pool 2, ECBC Harmonised Transparency Template (HTT) as at 31.3.2026(opens in new tab)
• Global Investor Call(opens in new tab), February 2026

2025

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

2024

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

Older presentations and investor material can be found in the Archive