Investor relations

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, credit cards, 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 And according to the repealed Finnish Mortgage Credit Bank Act (Act 688/2010, Cover Pool 1) the overcollateralisation shall continuously be at least 2%.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).


 Investor Presentations

Covered Bond Investor Material




Older presentations and investor material can be found in the Archive

Issuer Rating

On July 11, 2022 S&P Global Ratings (S&P) published its annual Full Analysis on the Mortgage Society of Finland. The issuer credit rating is ‘BBB’ for long-term and ‘A-2’ for short-term, with stable outlook.

The above documents are not for redistribution unless otherwise permitted.

Covered Bond Rating - Pool 2

On November 28, 2022 S&P Global Ratings (S&P) assigned a rating of 'AAA' with stable outlook for Hypo's covered bonds issued under the new Finnish Covered Bond Act (Act 151/2022).

Covered Bond Rating - Pool 1

On June 1, 2023 S&P Global Ratings (S&P) affirmed its 'AAA' credit ratings on Hypo's covered bonds with stable outlook as part of its annual transaction update.

The above documents are not for redistribution unless otherwise permitted.

Other Material

Contact us

acting Head of Treasury
Outi Wasenius
tel. +358 44 3491 433

Treasury Director
Petteri Bollmann
tel. +358 50 5504 355