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 And according to the repealed Finnish Mortgage Credit Bank Act (Act 688/2010, Cover Pool 1) the overcollateralisation shall continuously be at least 2%.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

 Funding

• Base Prospectus 2023 and Final Terms
• Base Prospectus 2022(Sep) and Final Terms
• Base Prospectus 2022(Feb) and Final Terms
• Base Prospectus 2020 and Final Terms
• Base Prospectus 2019 and Final Terms
• Base Prospectus 2018 and Final Terms
• Base Prospectus 2017 and Final Terms

 Investor Presentations

• Credit Update 4Q2023
• Credit Update 3Q2023
• Credit Update 2Q2023
• Credit Update 1Q2023
• Credit Update 4Q2022
• Credit Update 3Q2022
• Credit Update 2Q2022
• Credit Update 1Q2022

Covered Bond Investor Material

2024

• Investor Update (February 2024)

2023

• Covered Bond Transparency Report as at 31.12.2023
• Hypo Cover Pool 1, ECBC Harmonised Transparency Template (HTT) as at 31.12.2023
• Hypo Cover Pool 2, ECBC Harmonised Transparency Template (HTT) as at 31.12.2023
• Covered Bond Transparency Report as at 30.9.2023
• Hypo Cover Pool 1, ECBC Harmonised Transparency Template (HTT) as at 30.9.2023
• Hypo Cover Pool 2, ECBC Harmonised Transparency Template (HTT) as at 30.9.2023
• Investor Update, Autumn (September 2023)
• Covered Bond Transparency Report as at 30.6.2023
• Hypo Cover Pool 1, ECBC Harmonised Transparency Template (HTT) as at 30.6.2023
• Hypo Cover Pool 2, ECBC Harmonised Transparency Template (HTT) as at 30.6.2023
• Investor Update, Copenhagen (May 2023)
• Covered Bond Transparency Report as at 31.3.2023
• Hypo Cover Pool 1, ECBC Harmonised Transparency Template (HTT) as at 31.3.2023
• Hypo Cover Pool 2, ECBC Harmonised Transparency Template (HTT) as at 31.3.2023
• Roadshow Investor Update (March 2023)

2022

• Covered Bond Transparency Report as at 31.12.2022
• Hypo Cover Pool 1, ECBC Harmonised Transparency Template (HTT) as at 31.12.2022
• Hypo Cover Pool 2, ECBC Harmonised Transparency Template (HTT) as at 31.12.2022
• Roadshow Investor Update (November 2022)
• Covered Bond Transparency Report as at 30.9.2022
• Hypo Cover Pool, ECBC Harmonised Transparency Template (HTT) as at 30.9.2022
• Investor Update, ECBC (September 2022)
• Covered Bond Transparency Report as at 30.6.2022
• Hypo Cover Pool, ECBC Harmonised Transparency Template (HTT) as at 30.6.2022
• Covered Bond Transparency Report as at 31.3.2022
• Hypo Cover Pool, ECBC Harmonised Transparency Template (HTT) as at 31.3.2022

Older presentations and investor material can be found in the Archive