Cover Pool

Collateral comprises only private homes, including single-family homes, tenant-owned apartments and, to a marginal extent vacation homes. Lending only takes place in Sweden and the geographic distribution in Sweden is well-allocated. All lending is in SEK and all foreign currency is swapped to SEK.

Länsförsäkringar Hypotek gives information in accordance with the ECBC "The Covered Bond Label", a common standard for increased transparency in the European covered bond market.

Read more about The Covered Bond Label

Cover pool March 31, 2020

Cover pool (mkr) Cover pool (mkr)
244 252 244 252
Retail Mortgages (mkr) Retail Mortgages (mkr)
233 412 233 412
Substitute Collateral (mkr) Substitute Collateral (mkr)
10 840 10 840
OC, nominal, current level: OC, nominal, current level:
29,78% 29,78%
weighted average Max-LTV: weighted average Max-LTV:
59,0% 59,0%
FX-risk: FX-risk:
0 0
Number of loans: Number of loans:
404 752 404 752
Number of borrowers: Number of borrowers:
178 879 178 879
Number of properties: Number of properties:
178 626 178 626
Average Loan size (kr): Average Loan size (kr):
576 680 576 680
Substitute collateral (mkr): Substitute collateral (mkr):
10 840 10 840
Swedish covered bonds AAA/Aaa (mkr) Swedish covered bonds AAA/Aaa (mkr)
10 840 10 840
100% 100%
Swedish government bonds (mkr) Swedish government bonds (mkr)
0 0
0% 0%
Collateral: Private homes only in Sweden Collateral: Private homes only in Sweden
Single-family homes (mkr) Single-family homes (mkr)
168 287 168 287
72% 72%
Tenant-owned apartments (mkr) Tenant-owned apartments (mkr)
60 300 60 300
26% 26%
Vacation homes (mkr) Vacation homes (mkr)
4 825 4 825
2% 2%
Total (mkr) Total (mkr)
233 412 233 412
100% 100%
Weighted average Max-LTV, %, Collateral Weighted average Max-LTV, %, Collateral
Single-family homes (mkr) Single-family homes (mkr)
58% 58%
Tenant-owned apartments (mkr) Tenant-owned apartments (mkr)
62% 62%
Vacation homes (mkr) Vacation homes (mkr)
52% 52%
Remaining interest-rate fixing period Remaining interest-rate fixing period
0-3 m (mkr) 0-3 m (mkr)
115 363 115 363
49% 49%
3 mån - 1 yr (mkr) 3 mån - 1 yr (mkr)
12 566 12 566
5% 5%
1-3 yr (mkr) 1-3 yr (mkr)
81 383 81 383
35% 35%
3-5 yrs (mkr) 3-5 yrs (mkr)
21 810 21 810
9% 9%
>5 yrs (mkr) >5 yrs (mkr)
2 291 2 291
1% 1%
Total (mkr) Total (mkr)
233 412 233 412
100% 100%
Average seasoning (months) Average seasoning (months)
61,6 61,6
0-12 m (mkr) 0-12 m (mkr)
37 989 37 989
16% 16%
12-24 m (mkr) 12-24 m (mkr)
33 099 33 099
14% 14%
24-36 m (mkr) 24-36 m (mkr)
31 856 31 856
14% 14%
36-60 m (mkr) 36-60 m (mkr)
43 228 43 228
19% 19%
> 60 m (mkr) > 60 m (mkr)
87 240 87 240
37% 37%
Total (mkr) Total (mkr)
233 412 233 412
100% 100%
LTV-distribution, %, by-start-LTV (ASCB) LTV-distribution, %, by-start-LTV (ASCB)
0-10% (mkr) 0-10% (mkr)
45 469 45 469
19% 19%
11-20% (mkr) 11-20% (mkr)
42 377 42 377
18% 18%
21-30% (mkr) 21-30% (mkr)
38 734 38 734
17% 17%
31-40% (mkr) 31-40% (mkr)
34 833 34 833
15% 15%
41-50% (mkr) 41-50% (mkr)
29 720 29 720
13% 13%
51-60% (mkr) 51-60% (mkr)
22 763 22 763
10% 10%
61-70% (mkr) 61-70% (mkr)
14 879 14 879
6% 6%
71-75% (mkr) 71-75% (mkr)
4 637 4 637
2% 2%
Total (mkr) Total (mkr)
233 412 233 412
100% 100%
Distribution of interest-rate type, % Distribution of interest-rate type, %
Floating (mkr) Floating (mkr)
127 929 127 929
55% 55%
Fixed 2 - 5 år (mkr) Fixed 2 - 5 år (mkr)
86 036 86 036
37% 37%
Fixed 5 år och mer (mkr) Fixed 5 år och mer (mkr)
19 447 19 447
8% 8%
Total (mkr) Total (mkr)
233 412 233 412
100% 100%
Interest-payment frequency, % Interest-payment frequency, %
Monthly (mkr) Monthly (mkr)
228 905 228 905
98% 98%
Quarterly (mkr) Quarterly (mkr)
4 507 4 507
2% 2%
Total (mkr) Total (mkr)
233 412 233 412
100% 100%
Amortisation, % Amortisation, %
Amortering (mkr) Amortering (mkr)
125 191 125 191
54% 54%
Interest only (mkr) Interest only (mkr)
108 222 108 222
46% 46%
Total (mkr) Total (mkr)
233 412 233 412
100% 100%
Geograpic distribution, % Geograpic distribution, %
Greater Stockholm (mkr) Greater Stockholm (mkr)
34 329 34 329
15% 15%
Gothenburg (mkr) Gothenburg (mkr)
20 995 20 995
9% 9%
Greater Malmoe (mkr) Greater Malmoe (mkr)
8 610 8 610
4% 4%
Southern Sweden (mkr) Southern Sweden (mkr)
25 952 25 952
11% 11%
West of Sweden (mkr) West of Sweden (mkr)
55 086 55 086
24% 24%
East of Sweden (mkr) East of Sweden (mkr)
53 186 53 186
23% 23%
North Sweden (mkr) North Sweden (mkr)
35 254 35 254
15% 15%
Outside Sweden (mkr) Outside Sweden (mkr)
Total (mkr) Total (mkr)
233 412 233 412
100% 100%
Prior ranks, % Prior ranks, %
No prior ranks (mkr) No prior ranks (mkr)
228 899 228 899
98% 98%
Prior ranks (mkr) Prior ranks (mkr)
4 513 4 513
2% 2%
Total (mkr) Total (mkr)
233 412 233 412
100% 100%
Impaired loans: None Impaired loans: None
Dynamic pool: Yes Dynamic pool: Yes
Credit quality past due, share of loan volume, % Credit quality past due, share of loan volume, %
1-30 days (mkr) 1-30 days (mkr)
10 10
0,0% 0,0%
31-60 days (mkr) 31-60 days (mkr)
> 61 days (mkr) > 61 days (mkr)
Total (mkr) Total (mkr)
10 10
0,0% 0,0%
Loan distribution, % Loan distribution, %
< SEK 500 000 < SEK 500 000
10 457 10 457
4% 4%
SEK 500 000 kr -1 M SEK 500 000 kr -1 M
32 063 32 063
14% 14%
SEK 1-1,5 M SEK 1-1,5 M
45 620 45 620
20% 20%
SEK 1,5-2,5 M SEK 1,5-2,5 M
79 130 79 130
34% 34%
SEK 2,5-5 M SEK 2,5-5 M
61 025 61 025
26% 26%
> SEK 5 M > SEK 5 M
5 117 5 117
2% 2%
Total Total
233 412 233 412
100% 100%

Harmonised Transparency Template

Covered Bond Label Reports 2020

Report 30 Jun 2020

Report 29 May 2020

Report 30 Apr 2020

Report 31 Mar 2020

Report 28 Feb 2020

Report 31 Jan 2020

Covered Bond Label Reports 2019

Report 30 Dec 2019

Report 29 Nov 2019

Report 31 Oct 2019

Report 30 Sep 2019

Report 30 Aug 2019

Report 31 July 2019

Report 28 June 2019

Report 31 May 2019

Report 30 April 2019

Report 29 Mar 2019

Report 28 Feb 2019

Report 31 Jan 2019

Covered Bond Label Reports 2018

Covered Bond Label Reports 2017

Covered Bond Label Reports 2016

Covered Bond Label Reports 2015

Covered Bond Label Reports 2014

Covered Bond Label Reports 2013

Covered Bond Label Reports 2012

Cover Pool and Covered Bond Data 2013

Cover Pool and Covered Bond Data 2012 and earlier

 

Additional information 31 Jan 2013 - 31 March 2014