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{"sheet":"A. HTT General","index":0,"n_rows":363,"n_cols":7,"rows_kept":363,"cut":false,"hidden":false,"merged":[]}
["A. Harmonised Transparency Template - General Information",null,null,null,null,"HTT 2019"]
[]
[null,"Reporting in Domestic Currency","NOK"]
[]
[null,"CONTENT OF TAB A"]
[null,"1. Basic Facts"]
[null,"2. Regulatory Summary"]
[null,"3. General Cover Pool / Covered Bond Information",null,null,null,"`"]
[null,"4. References to Capital Requirements Regulation (CRR) 129(7)"]
[null,"5. References to Capital Requirements Regulation (CRR) 129(1)"]
[null,"6. Other relevant information"]
[]
["Field Number","1. Basic Facts"]
["G.1.1.1","Country","Norway"]
["G.1.1.2","Issuer Name","SpareBank 1 Boligkreditt AS"]
["G.1.1.3","Link to Issuer's Website","SPABOL"]
["G.1.1.4","Cut-off date","Cut-off Date: [31/03/19]"]
["OG.1.1.1","Optional information e.g. Contact names"]
["OG.1.1.2","Optional information e.g. Parent name"]
["OG.1.1.3"]
["OG.1.1.4"]
["OG.1.1.5"]
["OG.1.1.6"]
["OG.1.1.7"]
["OG.1.1.8"]
[null,"2. Regulatory Summary"]
["G.2.1.1","UCITS Compliance (Y/N)","Y"]
["G.2.1.2","CRR Compliance (Y/N)","Y"]
["G.2.1.3","LCR status","Covered Bond Label"]
["OG.2.1.1"]
["OG.2.1.2"]
["OG.2.1.3"]
["OG.2.1.4"]
["OG.2.1.5"]
["OG.2.1.6"]
[null,"3. General Cover Pool / Covered Bond Information"]
[null,"1.General Information","Nominal (mn)"]
["G.3.1.1","Cover Pool Size",205326.88994237743]
["G.3.1.2","Outstanding Covered Bonds",189901.98171756]
["OG.3.1.1","Cover Pool Size [NPV] (mn)","[Mark as ND1 if not relevant]"]
["OG.3.1.2","Outstanding Covered Bonds [NPV] (mn)","[Mark as ND1 if not relevant]"]
["OG.3.1.3"]
["OG.3.1.4"]
[null,"2. Over-collateralisation (OC) ","Legal","Actual",null,"Minimum Committed","Purpose"]
["G.3.2.1","OC (%)",0.02,8.122563064012045E-2,null,0.02,"LCR eligibility"]
["OG.3.2.1","Optional information e.g. Asset Coverage Test (ACT)"]
["OG.3.2.2","Optional information e.g. OC (NPV basis)"]
["OG.3.2.3"]
["OG.3.2.4"]
["OG.3.2.5"]
["OG.3.2.6"]
[null,"3. Cover Pool Composition","Nominal (mn)",null,null,"% Cover Pool"]
["G.3.3.1","Mortgages",187900.4686005988,null,null,0.91512840161038267]
["G.3.3.2","Public Sector ",2243.5594000000001,null,null,1.0926768532994527E-2]
["G.3.3.3","Shipping",0,null,null,0]
["G.3.3.4","Substitute Assets",15182.861941778632,null,null,7.3944829856622887E-2]
["G.3.3.5","Other",0,null,null,0]
["G.3.3.6","Total",205326.88994237743,null,null,1.0000000000000002]
["OG.3.3.1","o/w [If relevant, please specify]",null,null,null,0]
["OG.3.3.2","o/w [If relevant, please specify]",null,null,null,0]
["OG.3.3.3","o/w [If relevant, please specify]",null,null,null,0]
["OG.3.3.4","o/w [If relevant, please specify]",null,null,null,0]
["OG.3.3.5","o/w [If relevant, please specify]",null,null,null,0]
["OG.3.3.6","o/w [If relevant, please specify]",null,null,null,0]
[null,"4. Cover Pool Amortisation Profile","Contractual (mn)","Expected Upon Prepayments (mn)",null,"% Total Contractual","% Total Expected Upon Prepayments"]
["G.3.4.1","Weighted Average life (in years)",21.322652572141539,"ND1"]
[]
[null,"By buckets:"]
["G.3.4.2","0 - 1 Y",5121.2093345486328,"ND1",null,2.4941737226847564E-2,""]
["G.3.4.3","1 - 2 Y",5497.6781715899997,"ND1",null,2.6775246891105459E-2,""]
["G.3.4.4","2 - 3 Y",1836.30580216,"ND1",null,8.9433283807850775E-3,""]
["G.3.4.5","3 - 4 Y",2955.52698556,"ND1",null,1.4394251948146836E-2,""]
["G.3.4.6","4 - 5 Y",2525.7028603200001,"ND1",null,1.2300886946803735E-2,""]
["G.3.4.7","5 - 10 Y",6473.7579949700012,"ND1",null,3.1529031569059361E-2,""]
["G.3.4.8","10+ Y",180916.70879322899,"ND1",null,0.88111551703725188,""]
["G.3.4.9","Total",205326.88994237763,0,null,0.99999999999999989]
["OG.3.4.1","o/w 0-1 day",null,null,null,0,""]
["OG.3.4.2","o/w 0-0.5y",null,null,null,0,""]
["OG.3.4.3","o/w 0.5-1 y",null,null,null,0,""]
["OG.3.4.4","o/w 1-1.5y",null,null,null,0,""]
["OG.3.4.5","o/w 1.5-2 y",null,null,null,0,""]
["OG.3.4.6"]
["OG.3.4.7"]
["OG.3.4.8"]
["OG.3.4.9",null,null,null,null,0,""]
["OG.3.4.10",null,null,null,null,0,""]
[null,"5. Maturity of Covered Bonds","Initial Maturity  (mn)","Extended Maturity (mn)",null,"% Total Initial Maturity ","% Total Extended Maturity"]
["G.3.5.1","Weighted Average life (in years)",3.8804306795290437,4.8804306795290442]
[]
["G.3.5.2","By buckets:"]
["G.3.5.3","0 - 1 Y",22906.556,0,null,0.12062304875822083,0]
["G.3.5.4","1 - 2 Y",25749.084200000001,22906.556,null,0.13559144547683788,0.12062304875822083]
["G.3.5.5","2 - 3 Y",28847.700199999999,25749.084200000001,null,0.15190836840715544,0.13559144547683788]
["G.3.5.6","3 - 4 Y",39197.150117559999,28847.700199999999,null,0.20640727265214992,0.15190836840715544]
["G.3.5.7","4 - 5 Y",20957.888999999999,39197.150117559999,null,0.11036161292498008,0.20640727265214992]
["G.3.5.8","5 - 10 Y",52001.102200000001,58189.491199999997,null,0.27383127721826994,0.30641855695084241]
["G.3.5.9","10+ Y",242.5,15012,null,1.276974562385919E-3,7.9051307754793479E-2]
["G.3.5.10","Total",189901.98171756,189901.98171756,null,1,1]
["OG.3.5.1","o/w 0-1 day",null,null,null,0,0]
["OG.3.5.2","o/w 0-0.5y",null,null,null,0,0]
["OG.3.5.3","o/w 0.5-1 y",null,null,null,0,0]
["OG.3.5.4","o/w 1-1.5y",null,null,null,0,0]
["OG.3.5.5","o/w 1.5-2 y",null,null,null,0,0]
["OG.3.5.6"]
["OG.3.5.7"]
["OG.3.5.8",null,null,null,null,0,0]
["OG.3.5.9",null,null,null,null,0,0]
["OG.3.5.10",null,null,null,null,0,0]
[null,"6. Covered Assets - Currency","Nominal [before hedging] (mn)","Nominal [after hedging] (mn)",null,"% Total [before]","% Total [after]"]
["G.3.6.1","EUR",9798.8148986544802,9798.8148986544802,null,4.7830702534859729E-2,4.7830702534859729E-2]
["G.3.6.2"," USD",null,null,null,0,0]
["G.3.6.3"," GBP",null,null,null,0,0]
["G.3.6.4","NOK",195065.72564437764,195065.72564437764,null,0.95216929746514034,0.95216929746514034]
["G.3.6.5"," CHF",null,null,null,0,0]
["G.3.6.6"," AUD",null,null,null,0,0]
["G.3.6.7"," CAD",null,null,null,0,0]
["G.3.6.8","BRL",null,null,null,0,0]
["G.3.6.9","CZK",null,null,null,0,0]
["G.3.6.10","DKK",null,null,null,0,0]
["G.3.6.11","HKD",null,null,null,0,0]
["G.3.6.12","KRW",null,null,null,0,0]
["G.3.6.13","SEK",null,null,null,0,0]
["G.3.6.14","SGD",null,null,null,0,0]
["G.3.6.15","Other",null,null,null,0,0]
["G.3.6.16","Total",204864.54054303211,204864.54054303211,null,1,1]
["OG.3.6.1","o/w [If relevant, please specify]",null,null,null,0,0]
["OG.3.6.2","o/w [If relevant, please specify]",null,null,null,0,0]
["OG.3.6.3","o/w [If relevant, please specify]",null,null,null,0,0]
["OG.3.6.4","o/w [If relevant, please specify]",null,null,null,0,0]
["OG.3.6.5","o/w [If relevant, please specify]",null,null,null,0,0]
["OG.3.6.6","o/w [If relevant, please specify]",null,null,null,0,0]
["OG.3.6.7","o/w [If relevant, please specify]",null,null,null,0,0]
["OG.3.6.8","o/w [If relevant, please specify]",null,null,null,0,0]
["OG.3.6.9","o/w [If relevant, please specify]",null,null,null,0,0]
[null,"7. Covered Bonds - Currency ","Nominal [before hedging] (mn)","Nominal [after hedging] (mn)",null,"% Total [before]","% Total [after]"]
["G.3.7.1","EUR",114478.2316,8636.1065999999992,null,0.60282799876339754,4.5476653386610916E-2]
["G.3.7.2"," USD",7176.5,0,null,3.7790548234897109E-2,0]
["G.3.7.3"," GBP",8133.5,0,null,4.282999011614793E-2,0]
["G.3.7.4","NOK",59900,181265.87511756,null,0.3154258815955322,0.95452334661338911]
["G.3.7.5"," CHF",null,null,null,0,0]
["G.3.7.6"," AUD",null,null,null,0,0]
["G.3.7.7"," CAD",null,null,null,0,0]
["G.3.7.8","BRL",null,null,null,0,0]
["G.3.7.9","CZK",null,null,null,0,0]
["G.3.7.10","DKK",null,null,null,0,0]
["G.3.7.11","HKD",null,null,null,0,0]
["G.3.7.12","KRW",null,null,null,0,0]
["G.3.7.13","SEK",213.75011756000001,0,null,1.1255812900252361E-3,0]
["G.3.7.14","SGD",null,null,null,0,0]
["G.3.7.15","Other",null,null,null,0,0]
["G.3.7.16","Total",189901.98171756,189901.98171756,null,1,1]
["OG.3.7.1","o/w [If relevant, please specify]",null,null,null,0,0]
["OG.3.7.2","o/w [If relevant, please specify]",null,null,null,0,0]
["OG.3.7.3","o/w [If relevant, please specify]",null,null,null,0,0]
["OG.3.7.4","o/w [If relevant, please specify]",null,null,null,0,0]
["OG.3.7.5","o/w [If relevant, please specify]",null,null,null,0,0]
["OG.3.7.6","o/w [If relevant, please specify]",null,null,null,0,0]
["OG.3.7.7","o/w [If relevant, please specify]",null,null,null,0,0]
["OG.3.7.8","o/w [If relevant, please specify]",null,null,null,0,0]
["OG.3.7.9","o/w [If relevant, please specify]",null,null,null,0,0]
[null,"8. Covered Bonds - Breakdown by interest rate ","Nominal (mn)",null,null,"% Covered Bonds"]
["G.3.8.1","Fixed coupon",131606.14271756,null,null,0.69302142888270102]
["G.3.8.2","Floating coupon",58295.839,null,null,0.30697857111729898]
["G.3.8.3","Other",null,null,null,0]
["G.3.8.4","Total",189901.98171756,null,null,1]
["OG.3.8.1","Fixed coupon after hedging",null,null,null,0]
["OG.3.8.2","Floating coupon after hedging",189901.98171756,null,null,1]
["OG.3.8.3","Total",189901.98171756,null,null,1]
["OG.3.8.4"]
["OG.3.8.5"]
[null,"9. Substitute Assets - Type","Nominal (mn)",null,null,"% Substitute Assets"]
["G.3.9.1","Cash",-810.89076422136691,null,null,-4.6532259740404223E-2]
["G.3.9.2","Exposures to/guaranteed by governments or quasi governments",2243.5594000000001,null,null,0.12874470070462615]
["G.3.9.3","Exposures to central banks"]
["G.3.9.4","Exposures to credit institutions",15993.752705999999,null,null,0.91778755903577802]
["G.3.9.5","Other",null,null,null,0]
["G.3.9.6","Total",17426.421341778634,null,null,1]
["OG.3.9.1","o/w EU gvts or quasi govts",null,null,null,0]
["OG.3.9.2","o/w third-party countries  Credit Quality Step 1 (CQS1) gvts or quasi govts",null,null,null,0]
["OG.3.9.3","o/w third-party countries Credit Quality Step 2 (CQS2) gvts or quasi govts",null,null,null,0]
["OG.3.9.4","o/w EU central banks",null,null,null,0]
["OG.3.9.5","o/w third-party countries Credit Quality Step 1 (CQS1) central banks",null,null,null,0]
["OG.3.9.6","o/w third-party countries Credit Quality Step 2 (CQS2) central banks",null,null,null,0]
["OG.3.9.7","o/w CQS1 credit institutions",null,null,null,0]
["OG.3.9.8","o/w CQS2 credit institutions",null,null,null,0]
["OG.3.9.9"]
["OG.3.9.10"]
["OG.3.9.11"]
["OG.3.9.12",null,null,null,null,0]
[null,"10. Substitute Assets - Country","Nominal (mn)",null,null,"% Substitute Assets"]
["G.3.10.1","Domestic (Country of Issuer)",6916.5573307786326,null,null,0.39690061402318255]
["G.3.10.2","Eurozone",3757.6125999999999,null,null,0.21562732395270306]
["G.3.10.3","Rest of European Union (EU)",6752.2514110000002,null,null,0.38747206202411433]
["G.3.10.4","European Economic Area (not member of EU)",0,null,null,0]
["G.3.10.5","Switzerland",0,null,null,0]
["G.3.10.6","Australia",0,null,null,0]
["G.3.10.7","Brazil",0,null,null,0]
["G.3.10.8","Canada",0,null,null,0]
["G.3.10.9","Japan",0,null,null,0]
["G.3.10.10","Korea",0,null,null,0]
["G.3.10.11","New Zealand",0,null,null,0]
["G.3.10.12","Singapore",0,null,null,0]
["G.3.10.13","US",0,null,null,0]
["G.3.10.14","Other",0,null,null,0]
["G.3.10.15","Total EU","[For completion]"]
["G.3.10.16","Total",17426.421341778634,null,null,1]
["OG.3.10.1","o/w [If relevant, please specify]",null,null,null,0]
["OG.3.10.2","o/w [If relevant, please specify]",null,null,null,0]
["OG.3.10.3","o/w [If relevant, please specify]",null,null,null,0]
["OG.3.10.4","o/w [If relevant, please specify]",null,null,null,0]
["OG.3.10.5","o/w [If relevant, please specify]",null,null,null,0]
["OG.3.10.6","o/w [If relevant, please specify]",null,null,null,0]
["OG.3.10.7","o/w [If relevant, please specify]",null,null,null,0]
[null,"11. Liquid Assets ","Nominal (mn)",null,null,"% Cover Pool","% Covered Bonds"]
["G.3.11.1","Substitute and other marketable assets","[For completion]",null,null,"",""]
["G.3.11.2","Central bank eligible assets","[For completion]",null,null,"",""]
["G.3.11.3","Other","[For completion]",null,null,"",""]
["G.3.11.4","Total",0,null,null,0,0]
["OG.3.11.1","o/w [If relevant, please specify]",null,null,null,"",""]
["OG.3.11.2","o/w [If relevant, please specify]",null,null,null,"",""]
["OG.3.11.3","o/w [If relevant, please specify]",null,null,null,"",""]
["OG.3.11.4","o/w [If relevant, please specify]",null,null,null,"",""]
["OG.3.11.5","o/w [If relevant, please specify]",null,null,null,"",""]
["OG.3.11.6","o/w [If relevant, please specify]",null,null,null,"",""]
["OG.3.11.7","o/w [If relevant, please specify]",null,null,null,"",""]
[null,"12. Bond List "]
["G.3.12.1","Bond list ","Covered Bond Label"]
[null,"13. Derivatives & Swaps"]
["G.3.13.1","Derivatives in the cover pool [notional] (mn)","ND2"]
["G.3.13.2","Type of interest rate swaps (intra-group, external or both)","external"]
["G.3.13.3","Type of currency rate swaps (intra-group, external or both)","external"]
["OG.3.13.1","NPV of Derivatives in the cover pool (mn)"]
["OG.3.13.2","Derivatives outside the cover pool [notional] (mn)"]
["OG.3.13.3","NPV of Derivatives outside the cover pool (mn)"]
["OG.3.13.4"]
["OG.3.13.5"]
["OG.3.13.6"]
["OG.3.13.7"]
["OG.3.13.8"]
["OG.3.13.9"]
["OG.3.13.10"]
["OG.3.13.11"]
["OG.3.13.12"]
["OG.3.13.13"]
["OG.3.13.14"]
["OG.3.13.15"]
["OG.3.13.16"]
["OG.3.13.17"]
["OG.3.13.18"]
["OG.3.13.19"]
["OG.3.13.20"]
["OG.3.13.21"]
["OG.3.13.22"]
["OG.3.13.23"]
["OG.3.13.24"]
["OG.3.13.25"]
["OG.3.13.26"]
["OG.3.13.27"]
["OG.3.13.28"]
["OG.3.13.29"]
["OG.3.13.30"]
["OG.3.13.31"]
["OG.3.13.32"]
["OG.3.13.33"]
["OG.3.13.34"]
["OG.3.13.35"]
["OG.3.13.36"]
["OG.3.13.37"]
["OG.3.13.38"]
["OG.3.13.39"]
["OG.3.13.40"]
["OG.3.13.41"]
["OG.3.13.42"]
["OG.3.13.43"]
["OG.3.13.44"]
["OG.3.13.45"]
["OG.3.13.46"]
["OG.3.13.47"]
["OG.3.13.48"]
["OG.3.13.49"]
["OG.3.13.50"]
["OG.3.13.51"]
[null,"4. References to Capital Requirements Regulation (CRR) 129(7) ","Row","Row"]
["The issuer believes that, at the time of its issuance and based on transparency data made publicly available by the issuer, these covered bonds would satisfy the eligibility criteria for Article 129(7) of the Capital Requirements Regulation (EU) 648/2012. It should be noted, however, that"]
["whether or not exposures in the form of covered bonds are eligible to preferential treatment under Regulation (EU) 648/2012 is ultimately a matter to be determined by a relevant investor institution and its relevant supervisory authority and the issuer does not accept any responsibility in this regard."]
["G.4.1.1","(i)         Value of the cover pool outstanding covered bonds: ",38]
["G.4.1.2","(i)         Value of covered bonds: ",39]
["G.4.1.3","(ii)        Geographical distribution: ","43 for Mortgage Assets"]
["G.4.1.4","(ii)        Type of cover assets:",52]
["G.4.1.5","(ii)        Loan size: ","167 for Residential Mortgage Assets"]
["G.4.1.6","            (ii)        Interest rate risk - cover pool:","130 for Mortgage Assets"]
["G.4.1.7","(ii)        Currency risk - cover pool:",109]
["G.4.1.8","          (ii)         Interest rate risk - covered bond:",161]
["G.4.1.9","(ii)        Currency risk - covered bond:",135]
["G.4.1.10","(Please refer to \"Tab D. HTT Harmonised Glossary\" for hedging strategy)","17 for Harmonised Glossary"]
["G.4.1.11","(iii)        Maturity structure of cover assets: ",65]
["G.4.1.12","(iii)        Maturity structure of covered bonds: ",87]
["G.4.1.13","(iv)        Percentage of loans more than ninety days past due:","160 for Mortgage Assets"]
["OG.4.1.1"]
["OG.4.1.2"]
["OG.4.1.3"]
["OG.4.1.4"]
["OG.4.1.5"]
["OG.4.1.6"]
["OG.4.1.7"]
["OG.4.1.8"]
["OG.4.1.9"]
["OG.4.1.10"]
[null,"5. References to Capital Requirements Regulation (CRR) 129(1)"]
["G.5.1.1","Exposure to credit institute credit quality step 1 & 2",171]
["OG.5.1.1"]
["OG.5.1.2"]
["OG.5.1.3"]
["OG.5.1.4"]
["OG.5.1.5"]
["OG.5.1.6"]
[null,"6. Other relevant information"]
[null,"1. Optional information e.g. Rating triggers"]
["OG.6.1.1","NPV Test (passed/failed)"]
["OG.6.1.2","Interest Covereage Test (passe/failed)"]
["OG.6.1.3","Cash Manager "]
["OG.6.1.4","Account Bank"]
["OG.6.1.5","Stand-by Account Bank"]
["OG.6.1.6","Servicer "]
["OG.6.1.7","Interest Rate Swap Provider "]
["OG.6.1.8","Covered Bond Swap Provider "]
["OG.6.1.9","Paying Agent"]
["OG.6.1.10","Other optional/relevant information"]
["OG.6.1.11","Other optional/relevant information"]
["OG.6.1.12","Other optional/relevant information"]
["OG.6.1.13","Other optional/relevant information"]
["OG.6.1.14","Other optional/relevant information"]
["OG.6.1.15","Other optional/relevant information"]
["OG.6.1.16","Other optional/relevant information"]
["OG.6.1.17","Other optional/relevant information"]
["OG.6.1.18","Other optional/relevant information"]
["OG.6.1.19","Other optional/relevant information"]
["OG.6.1.20","Other optional/relevant information"]
["OG.6.1.21","Other optional/relevant information"]
["OG.6.1.22","Other optional/relevant information"]
["OG.6.1.23","Other optional/relevant information"]
["OG.6.1.24","Other optional/relevant information"]
["OG.6.1.25","Other optional/relevant information"]
["OG.6.1.26","Other optional/relevant information"]
["OG.6.1.27","Other optional/relevant information"]
["OG.6.1.28","Other optional/relevant information"]
["OG.6.1.29","Other optional/relevant information"]
["OG.6.1.30","Other optional/relevant information"]
["OG.6.1.31","Other optional/relevant information"]
["OG.6.1.32","Other optional/relevant information"]
["OG.6.1.33","Other optional/relevant information"]
["OG.6.1.34","Other optional/relevant information"]
["OG.6.1.35","Other optional/relevant information"]
["OG.6.1.36","Other optional/relevant information"]
["OG.6.1.37","Other optional/relevant information"]
["OG.6.1.38","Other optional/relevant information"]
["OG.6.1.39","Other optional/relevant information"]
["OG.6.1.40","Other optional/relevant information"]
["OG.6.1.41","Other optional/relevant information"]
["OG.6.1.42","Other optional/relevant information"]
["OG.6.1.43","Other optional/relevant information"]
["OG.6.1.44","Other optional/relevant information"]
["OG.6.1.45","Other optional/relevant information"]

{"sheet":"B1. HTT Mortgage Assets","index":1,"n_rows":367,"n_cols":7,"rows_kept":367,"cut":false,"hidden":false,"merged":[]}
["B1. Harmonised Transparency Template - Mortgage Assets",null,null,null,null,"HTT 2019"]
[]
[null,"Reporting in Domestic Currency","NOK"]
[]
[null,"CONTENT OF TAB B1"]
[null,"7. Mortgage Assets"]
[null,"7.A Residential Cover Pool"]
[null,"7.B Commercial Cover Pool"]
[]
["Field Number","7. Mortgage Assets"]
[null,"1. Property Type Information","Nominal (mn)",null,null,"% Total Mortgages"]
["M.7.1.1","Residential",{"$f":"'[1]A. HTT General'!C53","v":187900.4686005988},null,null,{"$f":"IF($C$15=0,\"\",IF(C12=\"[for completion]\",\"\",C12/$C$15))","v":1}]
["M.7.1.2","Commercial",0,null,null,{"$f":"IF($C$15=0,\"\",IF(C13=\"[for completion]\",\"\",C13/$C$15))","v":0}]
["M.7.1.3","Other",0,null,null,{"$f":"IF($C$15=0,\"\",IF(C14=\"[for completion]\",\"\",C14/$C$15))","v":0}]
["M.7.1.4","Total",{"$f":"SUM(C12:C14)","v":187900.4686005988},null,null,{"$f":"SUM(F12:F14)","v":1}]
["OM.7.1.1","o/w Housing Cooperatives / Multi-family assets",0,null,null,{"$f":"IF($C$15=0,\"\",IF(C16=\"[for completion]\",\"\",C16/$C$15))","v":0}]
["OM.7.1.2","o/w Forest & Agriculture",null,null,null,0]
["OM.7.1.3","o/w [If relevant, please specify]",null,null,null,0]
["OM.7.1.4","o/w [If relevant, please specify]",null,null,null,0]
["OM.7.1.5","o/w [If relevant, please specify]",null,null,null,0]
["OM.7.1.6","o/w [If relevant, please specify]",null,null,null,0]
["OM.7.1.7","o/w [If relevant, please specify]",null,null,null,0]
["OM.7.1.8","o/w [If relevant, please specify]",null,null,null,0]
["OM.7.1.9","o/w [If relevant, please specify]",null,null,null,0]
["OM.7.1.10","o/w [If relevant, please specify]",null,null,null,0]
["OM.7.1.11","o/w [If relevant, please specify]",null,null,null,0]
[null,"2. General Information","Residential Loans","Commercial Loans",null,"Total Mortgages"]
["M.7.2.1","Number of mortgage loans",{"$f":"[1]Pivot!B12","v":131375},0,null,{"$f":"C28","v":131375}]
["OM.7.2.1","Optional information eg, Number of borrowers",null,0]
["OM.7.2.2","Optional information eg, Number of guarantors"]
["OM.7.2.3"]
["OM.7.2.4"]
["OM.7.2.5"]
["OM.7.2.6"]
[null,"3. Concentration Risks","% Residential Loans","% Commercial Loans",null,"% Total Mortgages"]
["M.7.3.1","10 largest exposures ",{"$f":"-[1]Pivot!B117/1000000/C15","v":7.3615573196904305E-4},0,null,{"$f":"C36","v":7.3615573196904305E-4}]
["OM.7.3.1","10 largest exposures excl. housing cooperatives",{"$f":"C36","v":7.3615573196904305E-4},0,null,{"$f":"C37","v":7.3615573196904305E-4}]
["OM.7.3.2"]
["OM.7.3.3"]
["OM.7.3.4"]
["OM.7.3.5"]
["OM.7.3.6"]
[null,"4. Breakdown by Geography ","% Residential Loans","% Commercial Loans",null,"% Total Mortgages"]
["M.7.4.1","European Union",{"$f":"SUM(C45:C72)","v":0},{"$f":"SUM(D45:D72)","v":0},null,{"$f":"SUM(F45:F72)","v":0}]
["M.7.4.2","Austria",0,0,null,0]
["M.7.4.3","Belgium",0,0,null,0]
["M.7.4.4","Bulgaria",0,0,null,0]
["M.7.4.5","Croatia",0,0,null,0]
["M.7.4.6","Cyprus",0,0,null,0]
["M.7.4.7","Czech Republic",0,0,null,0]
["M.7.4.8","Denmark",0,0,null,0]
["M.7.4.9","Estonia",0,0,null,0]
["M.7.4.10","Finland",0,0,null,0]
["M.7.4.11","France",0,0,null,0]
["M.7.4.12","Germany",0,0,null,0]
["M.7.4.13","Greece",0,0,null,0]
["M.7.4.14","Netherlands",0,0,null,0]
["M.7.4.15","Hungary",0,0,null,0]
["M.7.4.16","Ireland",0,0,null,0]
["M.7.4.17","Italy",0,0,null,0]
["M.7.4.18","Latvia",0,0,null,0]
["M.7.4.19","Lithuania",0,0,null,0]
["M.7.4.20","Luxembourg",0,0,null,0]
["M.7.4.21","Malta",0,0,null,0]
["M.7.4.22","Poland",0,0,null,0]
["M.7.4.23","Portugal",0,0,null,0]
["M.7.4.24","Romania",0,0,null,0]
["M.7.4.25","Slovakia",0,0,null,0]
["M.7.4.26","Slovenia",0,0,null,0]
["M.7.4.27","Spain",0,0,null,0]
["M.7.4.28","Sweden",0,0,null,0]
["M.7.4.29","United Kingdom",0,0,null,0]
["M.7.4.30","European Economic Area (not member of EU)",{"$f":"SUM(C74:C76)","v":1},{"$f":"SUM(D74:D76)","v":0},null,{"$f":"SUM(F74:F76)","v":1}]
["M.7.4.31","Iceland",0,0,null,0]
["M.7.4.32","Liechtenstein",0,0,null,0]
["M.7.4.33","Norway",1,0,null,1]
["M.7.4.34","Other",{"$f":"SUM(C78:C87)","v":0},0,null,0]
["M.7.4.35","Switzerland",0,0,null,0]
["M.7.4.36","Australia",0,0,null,0]
["M.7.4.37","Brazil",0,0,null,0]
["M.7.4.38","Canada",0,0,null,0]
["M.7.4.39","Japan",0,0,null,0]
["M.7.4.40","Korea",0,0,null,0]
["M.7.4.41","New Zealand",0,0,null,0]
["M.7.4.42","Singapore",0,0,null,0]
["M.7.4.43","US",0,0,null,0]
["M.7.4.44","Other",0,0,null,0]
["OM.7.4.1","o/w [If relevant, please specify]"]
["OM.7.4.2","o/w [If relevant, please specify]"]
["OM.7.4.3","o/w [If relevant, please specify]"]
["OM.7.4.4","o/w [If relevant, please specify]"]
["OM.7.4.5","o/w [If relevant, please specify]"]
["OM.7.4.6","o/w [If relevant, please specify]"]
["OM.7.4.7","o/w [If relevant, please specify]"]
["OM.7.4.8","o/w [If relevant, please specify]"]
["OM.7.4.9","o/w [If relevant, please specify]"]
["OM.7.4.10","o/w [If relevant, please specify]"]
[null,"5. Breakdown by domestic regions","% Residential Loans","% Commercial Loans",null,"% Total Mortgages"]
["M.7.5.1","Østfold",{"$f":"-[1]Pivot!C16/1000000/'[1]B1. HTT Mortgage Assets'!$C$12","v":3.8593047453032714E-2},0,null,{"$f":"C99","v":3.8593047453032714E-2}]
["M.7.5.2","Akershus",{"$f":"-[1]Pivot!C17/1000000/'[1]B1. HTT Mortgage Assets'!$C$12","v":0.12108962468748982},0,null,{"$f":"C100","v":0.12108962468748982}]
["M.7.5.3","Oslo",{"$f":"-[1]Pivot!C18/1000000/'[1]B1. HTT Mortgage Assets'!$C$12","v":0.13065882587315567},0,null,0.13065882587315567]
["M.7.5.4","Hedmark",{"$f":"-[1]Pivot!C19/1000000/'[1]B1. HTT Mortgage Assets'!$C$12","v":7.0935276467732677E-2},0,null,7.0935276467732677E-2]
["M.7.5.5","Oppland",{"$f":"-[1]Pivot!C20/1000000/'[1]B1. HTT Mortgage Assets'!$C$12","v":3.408943537285878E-2},0,null,3.408943537285878E-2]
["M.7.5.6","Buskerud",{"$f":"-[1]Pivot!C21/1000000/'[1]B1. HTT Mortgage Assets'!$C$12","v":6.8150363479983253E-2},0,null,6.8150363479983253E-2]
["M.7.5.7","Vestfold",{"$f":"-[1]Pivot!C22/1000000/'[1]B1. HTT Mortgage Assets'!$C$12","v":4.4170852211134676E-2},0,null,4.4170852211134676E-2]
["M.7.5.8","Telemark",{"$f":"-[1]Pivot!C23/1000000/'[1]B1. HTT Mortgage Assets'!$C$12","v":3.8728439680042442E-2},0,null,3.8728439680042442E-2]
["M.7.5.9","Aust-Agder",{"$f":"-[1]Pivot!C24/1000000/'[1]B1. HTT Mortgage Assets'!$C$12","v":1.7662388356541989E-3},0,null,1.7662388356541989E-3]
["M.7.5.10","Vest-Agder",{"$f":"-[1]Pivot!C25/1000000/'[1]B1. HTT Mortgage Assets'!$C$12","v":4.5939286210340442E-3},0,null,4.5939286210340442E-3]
["M.7.5.11","Rogaland",{"$f":"-[1]Pivot!C26/1000000/'[1]B1. HTT Mortgage Assets'!$C$12","v":4.3820877848964365E-2},0,null,4.3820877848964365E-2]
["M.7.5.12","Hordaland",{"$f":"-[1]Pivot!C27/1000000/'[1]B1. HTT Mortgage Assets'!$C$12","v":1.2059186415103911E-2},0,null,1.2059186415103911E-2]
["M.7.5.13","Sogn og Fjordane",{"$f":"-[1]Pivot!C28/1000000/'[1]B1. HTT Mortgage Assets'!$C$12","v":2.0772975142476901E-3},0,null,2.0772975142476901E-3]
["M.7.5.14","Møre og Romsdal",{"$f":"-[1]Pivot!C29/1000000/'[1]B1. HTT Mortgage Assets'!$C$12","v":5.8040608724832403E-2},0,null,5.8040608724832403E-2]
["M.7.5.15","Trøndelag",{"$f":"-[1]Pivot!C30/1000000/'[1]B1. HTT Mortgage Assets'!$C$12","v":0.16548409315989848},0,null,0.16548409315989848]
["M.7.5.16","Nordland",{"$f":"-[1]Pivot!C31/1000000/'[1]B1. HTT Mortgage Assets'!$C$12","v":7.0608428608345319E-2},0,null,7.0608428608345319E-2]
["M.7.5.17","Troms",{"$f":"-[1]Pivot!C32/1000000/'[1]B1. HTT Mortgage Assets'!$C$12","v":6.4358306089085798E-2},0,null,6.4358306089085798E-2]
["M.7.5.18","Finmark",{"$f":"-[1]Pivot!C33/1000000/'[1]B1. HTT Mortgage Assets'!$C$12","v":3.0513707483865893E-2},0,null,3.0513707483865893E-2]
["M.7.5.19","Svalbard",{"$f":"-[1]Pivot!C34/1000000/'[1]B1. HTT Mortgage Assets'!$C$12","v":2.614614735444222E-4},0,null,2.614614735444222E-4]
["M.7.5.20",null,{"$f":"-[1]Pivot!C35/1000000/'[1]B1. HTT Mortgage Assets'!$C$12","v":0.99999999999999656},0,null,0.99999999999999656]
["M.7.5.21","TBC at a country level","[For completion]","[For completion]",null,"[For completion]"]
["M.7.5.22","TBC at a country level","[For completion]","[For completion]",null,"[For completion]"]
["M.7.5.23","TBC at a country level","[For completion]","[For completion]",null,"[For completion]"]
["M.7.5.24","TBC at a country level","[For completion]","[For completion]",null,"[For completion]"]
["M.7.5.25","TBC at a country level","[For completion]","[For completion]",null,"[For completion]"]
["M.7.5.26","TBC at a country level","[For completion]","[For completion]",null,"[For completion]"]
["M.7.5.27","TBC at a country level","[For completion]","[For completion]",null,"[For completion]"]
["M.7.5.28","TBC at a country level","[For completion]","[For completion]",null,"[For completion]"]
["M.7.5.29","TBC at a country level","[For completion]","[For completion]",null,"[For completion]"]
["M.7.5.30","TBC at a country level","[For completion]","[For completion]",null,"[For completion]"]
["M.7.5.31","TBC at a country level","[For completion]","[For completion]",null,"[For completion]"]
[null,"6. Breakdown by Interest Rate","% Residential Loans","% Commercial Loans",null,"% Total Mortgages"]
["M.7.6.1","Fixed rate",0,0,null,0]
["M.7.6.2","Floating rate",1,0,null,1]
["M.7.6.3","Other",0,0,null,0]
["OM.7.6.1"]
["OM.7.6.2"]
["OM.7.6.3"]
["OM.7.6.4"]
["OM.7.6.5"]
["OM.7.6.6"]
[null,"7. Breakdown by Repayment Type","% Residential Loans","% Commercial Loans",null,"% Total Mortgages"]
["M.7.7.1","Bullet / interest only",{"$f":"-[1]Pivot!C40/1000000/$C$15","v":0.24048097682826081},0,null,{"$f":"C141","v":0.24048097682826081}]
["M.7.7.2","Amortising",{"$f":"-[1]Pivot!C41/1000000/$C$15","v":0.75951902317174447},0,null,{"$f":"C142","v":0.75951902317174447}]
["M.7.7.3","Other",0,0,null,0]
["OM.7.7.1",null,"[For completion]","[For completion]",null,"[For completion]"]
["OM.7.7.2"]
["OM.7.7.3"]
["OM.7.7.4"]
["OM.7.7.5"]
["OM.7.7.6"]
[null,"8. Loan Seasoning ","% Residential Loans","% Commercial Loans",null,"% Total Mortgages"]
["M.7.8.1","Up to 12months",{"$f":"-[1]Pivot!C46/1000000/$C$15","v":8.8237982347996943E-2},0,null,{"$f":"C151","v":8.8237982347996943E-2}]
["M.7.8.2","≥  12 - ≤ 24 months",{"$f":"-[1]Pivot!C47/1000000/$C$15","v":0.23384007645162413},0,null,{"$f":"C152","v":0.23384007645162413}]
["M.7.8.3","≥ 24 - ≤ 36 months",{"$f":"-[1]Pivot!C48/1000000/$C$15","v":0.21354413820031348},0,null,{"$f":"C153","v":0.21354413820031348}]
["M.7.8.4","≥ 36 - ≤ 60 months",{"$f":"-[1]Pivot!C49/1000000/$C$15","v":0.22485848743543488},0,null,{"$f":"C154","v":0.22485848743543488}]
["M.7.8.5","≥ 60 months",{"$f":"-[1]Pivot!C50/1000000/$C$15","v":0.23951931556463754},0,null,{"$f":"C155","v":0.23951931556463754}]
["OM.7.8.1"]
["OM.7.8.2"]
["OM.7.8.3"]
["OM.7.8.4"]
[null,"9. Non-Performing Loans (NPLs)","% Residential Loans","% Commercial Loans",null,"% Total Mortgages"]
["M.7.9.1","% NPLs",0,0,null,0]
["OM.7.9.1"]
["OM.7.9.2"]
["OM.7.9.3"]
["OM.7.9.4"]
[null,"7.A Residential Cover Pool"]
[null,"10. Loan Size Information","Nominal","Number of Loans",null,"% Residential Loans","% No. of Loans"]
["M.7A.10.1","Average loan size (000s)",{"$f":"-[1]Pivot!C35/[1]Pivot!B35/1000","v":1430.2604650854285},{"$f":"[1]Pivot!B35","v":131375}]
[null,null,"",""]
[null,"By buckets (mn):","",""]
["M.7A.10.2","Private individuals",null,null,null,{"$f":"IF($C$195=0,\"\",IF(C171=\"[for completion]\",\"\",C171/$C$195))","v":0},{"$f":"IF($D$195=0,\"\",IF(D171=\"[for completion]\",\"\",D171/$D$195))","v":0}]
["M.7A.10.3"," ≤ 1,000,000",{"$f":"-[1]Pivot!C57/1000000","v":28686.143761000072},{"$f":"[1]Pivot!B57","v":54429},null,0.15266669622828447,0.41430256898192197]
["M.7A.10.4"," > 1,000,000 ≤ 2,000,000",{"$f":"-[1]Pivot!C58/1000000","v":68151.845300499859},{"$f":"[1]Pivot!B58","v":46497},null,0.36270183788292221,0.35392578496669841]
["M.7A.10.5"," > 2,000,000 ≤ 3,000,000",{"$f":"-[1]Pivot!C59/1000000","v":49013.034916639866},{"$f":"[1]Pivot!B59","v":20184},null,0.26084573009140122,0.15363653663177926]
["M.7A.10.6"," > 3,000,000 ≤ 4,000,000",{"$f":"-[1]Pivot!C60/1000000","v":22433.00018187},{"$f":"[1]Pivot!B60","v":6544},null,0.11938767555472926,4.98116079923882E-2]
["M.7A.10.7"," > 4,000,000 ≤ 5,000,000",{"$f":"-[1]Pivot!C61/1000000","v":9648.9138178199973},{"$f":"[1]Pivot!B61","v":2176},null,5.1351196139535316E-2,1.6563273073263558E-2]
["M.7A.10.8"," > 5,000,000",{"$f":"-[1]Pivot!C62/1000000","v":9967.5306227700039},{"$f":"[1]Pivot!B62","v":1545},null,5.3046864103127554E-2,1.176022835394862E-2]
["M.7A.10.9",null,null,null,null,0,0]
["M.7A.10.10","Housing cooperatives",null,null,null,0,0]
["M.7A.10.11"," ≤ 5,000,000",0,0,null,0,0]
["M.7A.10.12"," > 5,000,000 ≤ 10,000,000",0,0,null,0,0]
["M.7A.10.13"," > 10,000,000 ≤ 20,000,000",0,0,null,0,0]
["M.7A.10.14"," > 20,000,000 ≤ 50,000,000",0,0,null,0,0]
["M.7A.10.15"," > 50,000,000 ≤ 100,000,000",0,0,null,0,0]
["M.7A.10.16"," > 100,000,000",0,0,null,0,0]
["M.7A.10.17","TBC at a country level","[For completion]","[For completion]",null,"",""]
["M.7A.10.18","TBC at a country level","[For completion]","[For completion]",null,"",""]
["M.7A.10.19","TBC at a country level","[For completion]","[For completion]",null,"",""]
["M.7A.10.20","TBC at a country level","[For completion]","[For completion]",null,"",""]
["M.7A.10.21","TBC at a country level","[For completion]","[For completion]",null,"",""]
["M.7A.10.22","TBC at a country level","[For completion]","[For completion]",null,"",""]
["M.7A.10.23","TBC at a country level","[For completion]","[For completion]",null,"",""]
["M.7A.10.24","TBC at a country level","[For completion]","[For completion]",null,"",""]
["M.7A.10.25","TBC at a country level","[For completion]","[For completion]",null,"",""]
["M.7A.10.26","Total",{"$f":"SUM(C171:C194)","v":187900.46860059979},{"$f":"SUM(D171:D194)","v":131375},null,{"$f":"SUM(F171:F194)","v":1},{"$f":"SUM(G171:G194)","v":0.99999999999999989}]
[null,"11. Loan to Value (LTV) Information - UNINDEXED","Nominal","Number of Loans",null,"% Residential Loans","% No. of Loans"]
["M.7A.11.1","Weighted Average LTV (%)",{"$f":"SUMPRODUCT([1]Data!AZ:AZ,[1]Data!C:C)/SUM([1]Data!C:C)","v":0.59634171663128444},{"$f":"D168","v":131375}]
[]
[null,"By LTV buckets (mn):"]
["M.7A.11.2",">0 - <=40 %",{"$f":"-[1]Pivot!C68/1000000","v":22413.242901709982},{"$f":"[1]Pivot!B68","v":31538},null,{"$f":"IF($C$208=0,\"\",IF(C200=\"[for completion]\",\"\",C200/$C$208))","v":0.11928252797150514},{"$f":"IF($D$208=0,\"\",IF(D200=\"[for completion]\",\"\",D200/$D$208))","v":0.24006089438629877}]
["M.7A.11.3",">40 - <=50 %",{"$f":"-[1]Pivot!C69/1000000","v":19606.015542950005},{"$f":"[1]Pivot!B69","v":15416},null,0.10434255799874789,0.11734348239771646]
["M.7A.11.4",">50 - <=60 %",{"$f":"-[1]Pivot!C70/1000000","v":46651.44630885002},{"$f":"[1]Pivot!B70","v":29501},null,0.24827743462424273,0.22455566127497623]
["M.7A.11.5",">60 - <=70 %",{"$f":"-[1]Pivot!C71/1000000","v":49474.489048929907},{"$f":"[1]Pivot!B71","v":28859},null,0.26330157352663436,0.21966888677450047]
["M.7A.11.6",">70 - <=80 %",{"$f":"-[1]Pivot!C72/1000000","v":49755.274798159982},{"$f":"[1]Pivot!B72","v":26061},null,0.26479590587886981,0.19837107516650809]
["M.7A.11.7",">80 - <=90 %",0,0,null,0,0]
["M.7A.11.8",">90 - <=100 %",0,0,null,0,0]
["M.7A.11.9",">100%",0,0,null,0,0]
["M.7A.11.10","Total",{"$f":"SUM(C200:C207)","v":187900.46860059991},{"$f":"SUM(D200:D207)","v":131375},null,{"$f":"SUM(F200:F207)","v":1},{"$f":"SUM(G200:G207)","v":1}]
["OM.7A.11.1","o/w >100 - <=110 %",null,null,null,0,0]
["OM.7A.11.2","o/w >110 - <=120 %",null,null,null,0,0]
["OM.7A.11.3","o/w >120 - <=130 %",null,null,null,0,0]
["OM.7A.11.4","o/w >130 - <=140 %",null,null,null,0,0]
["OM.7A.11.5","o/w >140 - <=150 %",null,null,null,0,0]
["OM.7A.11.6","o/w >150 %",null,null,null,0,0]
["OM.7A.11.7"]
["OM.7A.11.8"]
["OM.7A.11.9"]
[null,"12. Loan to Value (LTV) Information - INDEXED ","Nominal","Number of Loans",null,"% Residential Loans","% No. of Loans"]
["M.7A.12.1","Weighted Average LTV (%)",{"$f":"SUMPRODUCT([1]Data!BC:BC,[1]Data!C:C)/SUM([1]Data!C:C)","v":0.53120159624362717},{"$f":"D197","v":131375}]
[]
[null,"By LTV buckets (mn):"]
["M.7A.12.2",">0 - <=40 %",{"$f":"-[1]Pivot!C82/1000000","v":44390.042095440054},{"$f":"[1]Pivot!B82","v":53544},"",{"$f":"IF($C$230=0,\"\",IF(C222=\"[for completion]\",\"\",C222/$C$230))","v":0.23624231714820904},{"$f":"IF($D$230=0,\"\",IF(D222=\"[for completion]\",\"\",D222/$D$230))","v":0.40756612749762133}]
["M.7A.12.3",">40 - <=50 %",{"$f":"-[1]Pivot!C83/1000000","v":32496.464601080072},{"$f":"[1]Pivot!B83","v":21388},"",{"$f":"IF($C$230=0,\"\",IF(C223=\"[for completion]\",\"\",C223/$C$230))","v":0.17294509610912326},{"$f":"IF($D$230=0,\"\",IF(D223=\"[for completion]\",\"\",D223/$D$230))","v":0.16280114176974311}]
["M.7A.12.4",">50 - <=60 %",{"$f":"-[1]Pivot!C84/1000000","v":39830.511657429925},{"$f":"[1]Pivot!B84","v":22381},"",0.21197664888262405,0.17035965746907708]
["M.7A.12.5",">60 - <=70 %",{"$f":"-[1]Pivot!C85/1000000","v":34765.555025920039},{"$f":"[1]Pivot!B85","v":17474},"",0.18502111934493076,0.13300856327307325]
["M.7A.12.6",">70 - <=80 %",{"$f":"-[1]Pivot!C86/1000000","v":28801.439574909989},{"$f":"[1]Pivot!B86","v":13185},"",0.15328029668797757,0.10036156041864891]
["M.7A.12.7",">80 - <=90 %",{"$f":"-[1]Pivot!C87/1000000","v":6048.1548850799991},{"$f":"[1]Pivot!B87","v":2711},"",3.2188077710098295E-2,2.063558515699334E-2]
["M.7A.12.8",">90 - <=100 %",{"$f":"-[1]Pivot!C88/1000000","v":1065.68218617},{"$f":"[1]Pivot!B88","v":473},"",5.6715248988293198E-3,3.6003805899143672E-3]
["M.7A.12.9",">100%",{"$f":"-[1]Pivot!C89/1000000","v":502.61857457000013},{"$f":"[1]Pivot!B89","v":219},"",2.6749192182078199E-3,1.6669838249286394E-3]
["M.7A.12.10","Total",{"$f":"SUM(C222:C229)","v":187900.46860060006},{"$f":"SUM(D222:D229)","v":131375},null,1,1]
["OM.7A.12.1","o/w >100 - <=110 %",null,null,null,0,0]
["OM.7A.12.2","o/w >110 - <=120 %",null,null,null,0,0]
["OM.7A.12.3","o/w >120 - <=130 %",null,null,null,0,0]
["OM.7A.12.4","o/w >130 - <=140 %",null,null,null,0,0]
["OM.7A.12.5","o/w >140 - <=150 %",null,null,null,0,0]
["OM.7A.12.6","o/w >150 %",null,null,null,0,0]
["OM.7A.12.7"]
["OM.7A.12.8"]
["OM.7A.12.9"]
[null,"13. Breakdown by type","% Residential Loans"]
["M.7A.13.1","Owner occupied",{"$f":"-SUM([1]Pivot!C99:C100,[1]Pivot!C102:C103)/1000000/$C$15","v":0.99129599694663251}]
["M.7A.13.2","Second home/Holiday houses",{"$f":"-SUM([1]Pivot!C101:C101)/1000000/$C$15","v":8.7040030533739095E-3}]
["M.7A.13.3","Buy-to-let/Non-owner occupied",0]
["M.7A.13.4","Other",0]
["OM.7A.13.1","o/w Subsidised housing"]
["OM.7A.13.2","o/w Private rental"]
["OM.7A.13.3","o/w Multi-family housing "]
["OM.7A.13.4","o/w Buildings under construction "]
["OM.7A.13.5","o/w Buildings land"]
["OM.7A.13.6","o/w [If relevant, please specify]"]
["OM.7A.13.7","o/w [If relevant, please specify]"]
["OM.7A.13.8","o/w [If relevant, please specify]"]
["OM.7A.13.9","o/w [If relevant, please specify]"]
["OM.7A.13.10","o/w [If relevant, please specify]"]
["OM.7A.13.11","o/w [If relevant, please specify]"]
[null,"14. Loan by Ranking","% Residential Loans"]
["M.7A.14.1","1st lien",1]
["M.7A.14.2","Guaranteed",""]
["M.7A.14.3","Other"]
["OM.7A.14.1"]
["OM.7A.14.2"]
["OM.7A.14.3"]
["OM.7A.14.4"]
["OM.7A.14.5"]
["OM.7A.14.6"]
[null,"7B Commercial Cover Pool"]
[null,"15. Loan Size Information","Nominal","Number of Loans",null,"% Commercial Loans","% No. of Loans"]
["M.7B.15.1","Average loan size (000s)","[For completion]"]
[]
[null,"By buckets (mn):"]
["M.7B.15.2","≤ 10,000,000","[For completion]","[For completion]",null,{"$f":"IF($C$295=0,\"\",IF(C271=\"[for completion]\",\"\",C271/$C$295))","v":""},{"$f":"IF($D$295=0,\"\",IF(D271=\"[for completion]\",\"\",D271/$D$295))","v":""}]
["M.7B.15.3",">10,000,000 ≤ 30,000,000","[For completion]","[For completion]",null,"",""]
["M.7B.15.4",">30,000,000 ≤ 50,000,000","[For completion]","[For completion]",null,"",""]
["M.7B.15.5",">50,000,000 ≤ 100,000,000","[For completion]","[For completion]",null,"",""]
["M.7B.15.6",">100,000,000 ≤ 200,000,000","[For completion]","[For completion]",null,"",""]
["M.7B.15.7"," > 200,000,000 ≤ 500,000,000","[For completion]","[For completion]",null,"",""]
["M.7B.15.8"," > 500,000,000 ≤ 750,000,000","[For completion]","[For completion]",null,"",""]
["M.7B.15.9"," > 750,000,000 ≤ 1000,000,000","[For completion]","[For completion]",null,"",""]
["M.7B.15.10"," > 1000,000,000","[For completion]","[For completion]",null,"",""]
["M.7B.15.11","TBC at a country level","[For completion]","[For completion]",null,"",""]
["M.7B.15.12","TBC at a country level","[For completion]","[For completion]",null,"",""]
["M.7B.15.13","TBC at a country level","[For completion]","[For completion]",null,"",""]
["M.7B.15.14","TBC at a country level","[For completion]","[For completion]",null,"",""]
["M.7B.15.15","TBC at a country level","[For completion]","[For completion]",null,"",""]
["M.7B.15.16","TBC at a country level","[For completion]","[For completion]",null,"",""]
["M.7B.15.17","TBC at a country level","[For completion]","[For completion]",null,"",""]
["M.7B.15.18","TBC at a country level","[For completion]","[For completion]",null,"",""]
["M.7B.15.19","TBC at a country level","[For completion]","[For completion]",null,"",""]
["M.7B.15.20","TBC at a country level","[For completion]","[For completion]",null,"",""]
["M.7B.15.21","TBC at a country level","[For completion]","[For completion]",null,"",""]
["M.7B.15.22","TBC at a country level","[For completion]","[For completion]",null,"",""]
["M.7B.15.23","TBC at a country level","[For completion]","[For completion]",null,"",""]
["M.7B.15.24","TBC at a country level","[For completion]","[For completion]",null,"",""]
["M.7B.15.25","TBC at a country level","[For completion]","[For completion]",null,"",""]
["M.7B.15.26","Total",{"$f":"SUM(C271:C294)","v":0},{"$f":"SUM(D271:D294)","v":0},null,{"$f":"SUM(F271:F294)","v":0},{"$f":"SUM(G271:G294)","v":0}]
[null,"16. Loan to Value (LTV) Information - UNINDEXED ","Nominal","Number of Loans",null,"% Commercial Loans","% No. of Loans"]
["M.7B.16.1","Weighted Average LTV (%)","[For completion]"]
[]
[null,"By LTV buckets (mn):"]
["M.7B.16.2",">0 - <=40 %","[For completion]","[For completion]",null,{"$f":"IF($C$308=0,\"\",IF(C300=\"[for completion]\",\"\",C300/$C$308))","v":""},{"$f":"IF($D$308=0,\"\",IF(D300=\"[for completion]\",\"\",D300/$D$308))","v":""}]
["M.7B.16.3",">40 - <=50 %","[For completion]","[For completion]",null,{"$f":"IF($C$308=0,\"\",IF(C301=\"[for completion]\",\"\",C301/$C$308))","v":""},{"$f":"IF($D$308=0,\"\",IF(D301=\"[for completion]\",\"\",D301/$D$308))","v":""}]
["M.7B.16.4",">50 - <=60 %","[For completion]","[For completion]",null,"",""]
["M.7B.16.5",">60 - <=70 %","[For completion]","[For completion]",null,"",""]
["M.7B.16.6",">70 - <=80 %","[For completion]","[For completion]",null,"",""]
["M.7B.16.7",">80 - <=90 %","[For completion]","[For completion]",null,"",""]
["M.7B.16.8",">90 - <=100 %","[For completion]","[For completion]",null,"",""]
["M.7B.16.9",">100%","[For completion]","[For completion]",null,"",""]
["M.7B.16.10","Total",{"$f":"SUM(C300:C307)","v":0},{"$f":"SUM(D300:D307)","v":0},null,{"$f":"SUM(F300:F307)","v":0},{"$f":"SUM(G300:G307)","v":0}]
["OM.7B.16.1","o/w >100 - <=110 %",null,null,null,"",""]
["OM.7B.16.2","o/w >110 - <=120 %",null,null,null,"",""]
["OM.7B.16.3","o/w >120 - <=130 %",null,null,null,"",""]
["OM.7B.16.4","o/w >130 - <=140 %",null,null,null,"",""]
["OM.7B.16.5","o/w >140 - <=150 %",null,null,null,"",""]
["OM.7B.16.6","o/w >150 %",null,null,null,"",""]
["OM.7B.16.7"]
["OM.7B.16.8"]
["OM.7B.16.9"]
[null,"17. Loan to Value (LTV) Information - INDEXED","Nominal","Number of Loans",null,"% Commercial Loans","% No. of Loans"]
["M.7B.17.1","Weighted Average LTV (%)","[Mark as ND1 if not relevant]"]
[]
[null,"By LTV buckets (mn):"]
["M.7B.17.2",">0 - <=40 %","[Mark as ND1 if not relevant]","[Mark as ND1 if not relevant]",null,{"$f":"IF($C$330=0,\"\",IF(C322=\"[Mark as ND1 if not relevant]\",\"\",C322/$C$330))","v":""},{"$f":"IF($D$330=0,\"\",IF(D322=\"[Mark as ND1 if not relevant]\",\"\",D322/$D$330))","v":""}]
["M.7B.17.3",">40 - <=50 %","[Mark as ND1 if not relevant]","[Mark as ND1 if not relevant]",null,{"$f":"IF($C$330=0,\"\",IF(C323=\"[Mark as ND1 if not relevant]\",\"\",C323/$C$330))","v":""},{"$f":"IF($D$330=0,\"\",IF(D323=\"[Mark as ND1 if not relevant]\",\"\",D323/$D$330))","v":""}]
["M.7B.17.4",">50 - <=60 %","[Mark as ND1 if not relevant]","[Mark as ND1 if not relevant]",null,"",""]
["M.7B.17.5",">60 - <=70 %","[Mark as ND1 if not relevant]","[Mark as ND1 if not relevant]",null,"",""]
["M.7B.17.6",">70 - <=80 %","[Mark as ND1 if not relevant]","[Mark as ND1 if not relevant]",null,"",""]
["M.7B.17.7",">80 - <=90 %","[Mark as ND1 if not relevant]","[Mark as ND1 if not relevant]",null,"",""]
["M.7B.17.8",">90 - <=100 %","[Mark as ND1 if not relevant]","[Mark as ND1 if not relevant]",null,"",""]
["M.7B.17.9",">100%","[Mark as ND1 if not relevant]","[Mark as ND1 if not relevant]",null,"",""]
["M.7B.17.10","Total",{"$f":"SUM(C322:C329)","v":0},{"$f":"SUM(D322:D329)","v":0},null,{"$f":"SUM(F322:F329)","v":0},{"$f":"SUM(G322:G329)","v":0}]
["OM.7B.17.1","o/w >100 - <=110 %",null,null,null,{"$f":"IF($C$330=0,\"\",IF(C331=\"[for completion]\",\"\",C331/$C$330))","v":""},{"$f":"IF($D$330=0,\"\",IF(D331=\"[for completion]\",\"\",D331/$D$330))","v":""}]
["OM.7B.17.2","o/w >110 - <=120 %",null,null,null,"",""]
["OM.7B.17.3","o/w >120 - <=130 %",null,null,null,"",""]
["OM.7B.17.4","o/w >130 - <=140 %",null,null,null,"",""]
["OM.7B.17.5","o/w >140 - <=150 %",null,null,null,"",""]
["OM.7B.17.6","o/w >150 %",null,null,null,"",""]
["OM.7B.17.7"]
["OM.7B.17.8"]
["OM.7B.17.9"]
[null,"18. Breakdown by Type","% Commercial loans"]
["M.7B.18.1","Retail","[For completion]"]
["M.7B.18.2","Office","[For completion]"]
["M.7B.18.3","Hotel/Tourism","[For completion]"]
["M.7B.18.4","Shopping malls","[For completion]"]
["M.7B.18.5","Industry","[For completion]"]
["M.7B.18.6","Agriculture","[For completion]"]
["M.7B.18.7","Other commercially used","[For completion]"]
["M.7B.18.8","Land","[For completion]"]
["M.7B.18.9","Property developers / Bulding under construction","[For completion]"]
["M.7B.18.10","Other","[For completion]"]
["OM.7B.18.1","o/w Social & Cultural purposes"]
["OM.7B.18.2","o/w [If relevant, please specify]"]
["OM.7B.18.3","o/w [If relevant, please specify]"]
["OM.7B.18.4","o/w [If relevant, please specify]"]
["OM.7B.18.5","o/w [If relevant, please specify]"]
["OM.7B.18.6","o/w [If relevant, please specify]"]
["OM.7B.18.7","o/w [If relevant, please specify]"]
["OM.7B.18.8","o/w [If relevant, please specify]"]
["OM.7B.18.9","o/w [If relevant, please specify]"]
["OM.7B.18.10","o/w [If relevant, please specify]"]
["OM.7B.18.11","o/w [If relevant, please specify]"]
["OM.7B.18.12","o/w [If relevant, please specify]"]
["OM.7B.18.13","o/w [If relevant, please specify]"]
["OM.7B.18.14","o/w [If relevant, please specify]"]
["OM.7B.18.15","o/w [If relevant, please specify]"]
["OM.7B.18.16","o/w [If relevant, please specify]"]
["OM.7B.18.17","o/w [If relevant, please specify]"]

{"sheet":"C. HTT Harmonized Glossary","index":2,"n_rows":40,"n_cols":3,"rows_kept":40,"cut":false,"hidden":false,"merged":[]}
["C. Harmonised Transparency Template - Glossary"]
[]
["The definitions below reflect the national specificities"]
[]
["Field Number","1. Glossary - Standard Harmonised Items","[Insert Definition Below]"]
["HG.1.1","OC Calculation: Actual","Based on nominal values in reporting currency NOK. For foreign currency covered bonds, FX-rate at issuance date is applied. "]
["HG.1.2","OC Calculation: Legal minimum","According to the legislation the value of the cover pool shall at all times exceed the value of covered bonds. When calculating the value of the cover pool non-performing loans shall be excluded, in addition the part of a mortgage loan exceeding 75% and 60%, for residential mortgages and commercial mortgages respectively, shall be excluded. Loans, interest rate contracts, foreign exchange contracts and substitute assets shall all be valued at prudent market value."]
["HG.1.3","OC Calculation: Committed","See HG.1.2"]
["HG.1.4","Interest Rate Types","Floating rate: Individual rate not directly linked to money market rates. \nFixed rate: Loans with a fixed rate for a limited period (typically 3, 5 or 10 years)."]
["HG.1.5","Maturity Buckets of Cover assets [i.e. how is the contractual and/or expected maturity defined? What assumptions eg, in terms of prepayments? etc.]","Only contractual maturity reported."]
["HG.1.6","Maturity Buckets of Covered Bonds [i.e. how is the contractual and/or expected maturity defined? What maturity structure (hard bullet, soft bullet, conditional pass through)? Under what conditions/circumstances? Etc.] ","For a soft bullet covered bond issued with 5 year remaining maturity and 1 year extended maturity (5+1), initial maturity is reported as 5 years and extended maturity as 6 years. For hard bullet covered bonds initial maturity and extended maturity is equal."]
["HG.1.7","LTVs: Definition","Unindexed LTV is defined as LTV at the time the loans was transferred to the cover pool. Maximum LTV is by regulation set to 75 percent for residential mortgages and 60 percent for commercial mortgages at the point of transfer. Indexed LTV is based on the latest updated valuation, typically an AVM estimate (please see HG.1.9 for further details)."]
["HG.1.8","LTVs: Calculation of property/shipping value"," LO + HP    \n    V\nLO = Loan balance or facility\nHP = Higher priority pledge\nV= Value of the property"]
["HG.1.9","LTVs: Applied property/shipping valuation techniques, including whether use of index, Automated Valuation Model (AVM) or on-site audits","The covered bond issuers in Norway perform a complete revaluation of every individual property in the cover pool on a quarterly basis. The revaluation is done using recognized statistical methods in accordance with the covered bond regulation. The model assigns every valuation a confidence level. For origination purposes the value is applied a hair-cut depending on the confidence level. For the purpose of valuing the properties already in the cover pool, market practice is to use the most probable (unbiased) valuation, regardless of the confidence level."]
["HG.1.10","LTVs: Frequency and time of last valuation","Every 3 months (frequency of real estate valuation for the purpose of calculating indexed LTV)."]
["HG.1.11","Explain how mortgage types are defined whether for residential housing, multi-family housing, commercial real estate, etc. Same for shipping where relecvant","[For completion]"]
["HG.1.12","Hedging Strategy (please explain how you address interest rate and currency risk)","All issuances of covered bonds in foreign currency are swapped to NOK to eliminate FX-risk entirely.\nFixed interest rate exposures in the form of fixed rate covered bonds and fixed rate mortgages are swapped to 3 month NIBOR."]
["HG.1.13","Non-performing loans","Non performing loans over 90 days after due date."]
["OHG.1.1","NPV assumptions (when stated)"]
["OHG.1.2"]
["OHG.1.3"]
["OHG.1.4"]
["OHG.1.5"]
[null,"2. Reason for No Data","Value"]
["HG.2.1","Not applicable for the jurisdiction ","ND1"]
["HG.2.2","Not relevant for the issuer and/or CB programme at the present time","ND2"]
["HG.2.3","Not available at the present time","ND3"]
["HG.2.1"]
["OHG.2.1"]
["OHG.2.2"]
[null,"3. Glossary - Extra national and/or Issuer Items","[Insert Definition Below]"]
["HG.3.1","Other definitions deemed relevant"]
["OHG.3.1","Interest rate risk","A mortgage credit institution shall not assume greater risk than what is prudent at any and all times. A mortgage credit institution is obliged to establish a limit on the interest rate risk which shall be fixed in relation to the institution's own funds and potential losses resulting from a parallel shift of 1 percentage point in all interest rate curves as well as nonparallell shifts in the interest rate curves. The interest rate curves shall be divided into time intervals, and value changes for each time interval shall be limited to a prudent portion of the overall limit on interest rate risk that is set for the institution."]
["OHG.3.2","Currency risk","A mortgage credit institution shall not assume greater foreign exchange risk than is prudent at any and all times. A mortgage credit institution is obliged to establish limits on foreign exchange risk."]
["OHG.3.3","Bullet/interest only loans","Interest only loans are defined as loans with a limited repayment exemption exceeding three months."]
["OHG.3.4","Buy-to-let","Buy-to-let refers to properties that are purchased and declared by borrowers for investment purposes. Approvals of such loans are subjected to the same regulatory requirements and assessment criteria as owner-occupied properties."]
["OHG.3.5","Seasoning","Seasoning is calculated based on the number of months since collateral for the loan was established."]
[]
["G.3.1.2","Outstanding Covered Bonds CRR Art. 129 1. (c) ","The outstanding covered bonds are here aggregated with the derivatives that are used to hedge currency and interest rates.  The nominal outstanding bonds (without derivatives) which are used to calculate exposures with regards to Art. 129 1. (c) can be found in the financial report, in the Asset Coverage Test note"]
["G.3.3.4","Substitute Assets CRR Art. 129 1. (c) ","Subsitute assets inlcuded here in HTT also include exposures shorter than 100 days which are both collateralized (reverse repos) and not collateralized (deposits). The data needed to calculate adherence with CRR Art 129. 1 (c) can be found in the Asset Coverage Test in the financial statements"]

{"sheet":"Disclaimer","index":3,"n_rows":0,"n_cols":0,"rows_kept":0,"cut":false,"hidden":false,"merged":[]}

{"sheet":"D. Insert Nat Trans Templ","index":4,"n_rows":33,"n_cols":22,"rows_kept":33,"cut":false,"hidden":false,"merged":[[34,2,36,13],[14,3,14,8],[19,3,19,12],[20,3,20,12],[21,3,21,12],[22,3,22,12],[26,3,26,12],[13,3,13,8],[1,3,1,12],[3,3,3,12],[10,3,10,8],[11,3,11,8],[12,3,12,8]]}
[]
[null,null,null,"Norwegian Transparency Template"]
[]
[null,null,null,"Additional information from Norwegian Issuers using HTT"]
[]
[]
[]
[null,null,null,"Stresstest - House price decline"]
[]
[null,null,null,"House price decline",null,null,null,null,null,"Current",0.1,0.2,0.3]
[null,null,null,"Total cover pool balance (nominal, NOK mill)",null,null,null,null,null,{"$f":"'A. HTT General'!C38","v":205326.88994237743},null,null,null,null,null,null,0,0.1,0.2,0.3,"Assumed House price decline"]
[null,null,null,"WA indexed LTV (%)",null,null,null,null,null,0.51731509102886164,0.57478152603472221,0.64661377929637065,0.73895453620612483,null,null,null,1400490661.2800002,4582043992.2349997,10467590506.650002,19831144973.02,"Ineligible assets at house price drop"]
[null,null,null,"Eligible cover pool balance (nominal, NOK mill)",null,null,null,null,null,{"$f":"J11","v":205326.88994237743},{"$f":"J13-R12/V13","v":200744.84595014242},{"$f":"J13-S12/V13","v":194859.29943572741},{"$f":"J13-T12/V13","v":185495.74496935742},null,null,null,null,null,null,null,null,1000000]
[null,null,null,"Total outstanding covered bonds (hedged, NOK mill)",null,null,null,null,null,{"$f":"'A. HTT General'!C39","v":189901.98171756},{"$f":"J14","v":189901.98171756},{"$f":"K14","v":189901.98171756},189901.98171756]
[null,null,null,"Eligible overcollateralization",null,null,null,null,null,{"$f":"J13/J14","v":1.0812256306401204},{"$f":"K13/K14","v":1.0570971620965437},{"$f":"L13/L14","v":1.0261046128815043},{"$f":"M13/M14","v":0.97679731033688766}]
[]
[]
[null,null,null,"Additional comments"]
[]
[null,null,null,"SpareBank 1 Boligkreditt qualifies mortgages from its parents banks prior to transfer to the cover pool, but not all "]
[null,null,null,"qualified mortgages are transferred to the cover pool immediately, but when covered bond funding is required "]
[null,null,null,"by the owner banks.  The banks are required  to add assets (e.g. mortgages) to the cover pool if a sufficent volume of   "]
[null,null,null,"mortgages in the pool should  become ineligble.  Banks must hold reserves for this purpose (as shown in the 30% scenario above). "]
[]
[null,null,null,"The minimum level of reserves a bank must hold is equal to the amount of additional mortgage assets needed to cover a 30% decline"]
[null,null,null," in house prices.   The above calculation does not consider the reserves of mortgages on banks' balance sheet."]
[null,null,null,"The eligible overcollateralization which drops below 100% in the 30% decline scenario only describes the existing "]
[null,null,null,"pool without regard to the reserves not yet transferrred to Boligkreditt.  Cover pool qualified mortgage reserves on the owner banks'"]
[null,null,null,"balance sheets are NOK 115 billion as of 31 March, 2019"]
[]
[null,null,null,"The overcollateralization as calculated here is different than in the financial statements, mainly due to the inclusion of derivatives in the "]
[null,null,null,"financial statements as part of cover pool assets, a legal requirement.  The derivatives, however, hedge the issued debt against changes in fx rates"]
[null,null,null," and interest rates, and should be grouped with the debt as is done here."]

{"sheet":"Details Liquid Assets","index":5,"n_rows":119,"n_cols":8,"rows_kept":119,"cut":false,"hidden":false,"merged":[]}
[]
[]
[]
[null,"Substitute collateral **","Total balance (NOK)"]
[null,"Total balance",{"$f":"H115","v":25701123668.102341}]
[null,"Currency breakdown (in NOK)"]
[null,"   Total NOK",{"$f":"+SUMIF(F21:F115,\"NOK\",H21:H115)","v":13702311176.940001}]
[null,"   Total EUR",{"$f":"+SUMIF(F21:F115,\"EUR\",H21:H115)","v":11993344683.640022}]
[null,"   Total SEK",{"$f":"+SUMIF(F21:F115,\"SEK\",H21:H115)","v":0}]
[null,"   Total USD",{"$f":"+SUMIF(F21:F115,\"USD\",H21:H115)","v":5467807.5223200005}]
[null,"By Type of Exposure:"]
[null,"   Government debt",{"$f":"+SUMIF($D$21:$D$115,\"Sovereign\",$H$21:$H$115)","v":600000000},null,"Currency and interest rate risks which arise from non-NOK denominated and/or fixed rate bonds"]
[null,"   Sub Sovereign & Agency",{"$f":"+SUMIF($D$21:$D$115,\"SSA\",$H$21:$H$115)","v":1909842100},null,"are mitigated through swap contracts.  All cash flows are swapped back to a NOK denominated"]
[null,"   Covered Bond",{"$f":"+SUMIF($D$21:$D$115,\"Covered Bond\",$H$21:$H$115)","v":12449659229},null,"3 months NIBOR basis.  "]
[null,"   Reverse repos",{"$f":"+SUMIF($D$21:$D$115,\"Reverse repo\",$H$21:$H$115)","v":8462000000}]
[null,"   Deposit",{"$f":"+SUMIF($D$21:$D$115,\"Deposit\",$H$21:H115)","v":2279622339.1023421},null,"This list contains exposures at nominal values and excluding accrued interest"]
[]
[]
[]
[null,"Bond Name/ Counterparty","ISIN","Exposure type","Rating *","Currency","Currency Amt","NOK amount"]
[null,"City of Gothenburg","XS1356971769","SSA","AAA / Aaa / AAA","NOK",100000000,100000000]
[null,"City of Stockholm","XS1190992930","SSA","AAA / Aaa / AAA","NOK",50000000,50000000]
[null,"City of Stockholm","XS1799536922","SSA","AAA / Aaa / AAA","NOK",100000000,100000000]
[null,"DANSKE BANK A/S","NO0010771082","Covered Bond","AAA / -- / AAA","NOK",90000000,90000000]
[null,"DANSKE BANK A/S","NO0010795768","Covered Bond","AAA / -- / AAA","NOK",125000000,125000000]
[null,"DANSKE BANK A/S","XS0896159257","Covered Bond","AAA / -- / AAA","EUR",5000000,49739500]
[null,"DANSKE BANK A/S","XS1287931601","Covered Bond","AAA / -- / AAA","EUR",10700000,106442530]
[null,"DnB NOR Boligkreditt AS","NO0010672405","Covered Bond","-- / Aaa / AAA","NOK",55000000,55000000]
[null,"DnB NOR Boligkreditt AS","NO0010802960","Covered Bond","-- / Aaa / AAA","NOK",20000000,20000000]
[null,"DnB NOR Boligkreditt AS","XS1137512742","Covered Bond","-- / Aaa / AAA","EUR",2000000,19895800]
[null,"DnB NOR Boligkreditt AS","XS1308759718","Covered Bond","-- / Aaa / AAA","EUR",20000000,198958000]
[null,"DnB NOR Boligkreditt AS","XS1396253236","Covered Bond","-- / Aaa / AAA","EUR",5000000,49739500]
[null,"DnB NOR Boligkreditt AS","XS1548410080","Covered Bond","-- / Aaa / AAA","EUR",15000000,149218500]
[null,"DnB NOR Boligkreditt AS","XS1719108463","Covered Bond","-- / Aaa / AAA","EUR",20000000,198958000]
[null,"DnB NOR Boligkreditt AS","XS1756428469","Covered Bond","-- / Aaa / AAA","EUR",18000000,179062200]
[null,"Eika Boligkreditt AS","NO0010663727","Covered Bond","- / Aaa / --","NOK",25000000,25000000]
[null,"Eika Boligkreditt AS","NO0010732258","Covered Bond","- / Aaa / --","NOK",51000000,51000000]
[null,"Eika Boligkreditt AS","NO0010794308","Covered Bond","- / Aaa / --","NOK",150000000,150000000]
[null,"Eika Boligkreditt AS","XS0881369770","Covered Bond","- / Aaa / --","EUR",34325000,341461667.5]
[null,"Eika Boligkreditt AS","XS1044766191","Covered Bond","- / Aaa / --","EUR",26300000,261629770]
[null,"Eika Boligkreditt AS","XS1397054245","Covered Bond","- / Aaa / --","EUR",26000000,258645400]
[null,"European Investment Bank","XS1555330999","SSA","AAA / Aaa / AAA","NOK",75000000,75000000]
[null,"Federal State of North Rhine-Westphalia","DE000NRW0KS7","SSA","AAA / Aa1 / AA-","EUR",14000000,139270600]
[null,"Gjensidige Bank  Boligkreditt AS","NO0010770852","Covered Bond","- / Aaa / --","NOK",185000000,185000000]
[null,"KFW Bankengruppe","DE000A1K0UG6","SSA","AAA / Aaa / AAA","EUR",5000000,49739500]
[null,"KFW Bankengruppe","NO0010503741","SSA","AAA / Aaa / AAA","NOK",100000000,100000000]
[null,"KFW Bankengruppe","NO0010762800","SSA","AAA / Aaa / AAA","NOK",400000000,400000000]
[null,"KFW Bankengruppe","NO0010776826","SSA","AAA / Aaa / AAA","NOK",100000000,100000000]
[null,"KFW Bankengruppe","XS1087815483","SSA","AAA / Aaa / AAA","EUR",80000000,795832000]
[null,"KLP Kommunekreditt","NO0010774474","Covered Bond","- / Aaa / --","NOK",100000000,100000000]
[null,"KLP Kommunekreditt","NO0010793573","Covered Bond","- / Aaa / --","NOK",15000000,15000000]
[null,"Landshypotek","XS1799048704","Covered Bond","- / Aaa / --","EUR",15000000,149218500]
[null,"Møre Boligkreditt AS","NO0010819543","Covered Bond","- / Aaa / --","NOK",50000000,50000000]
[null,"Møre Boligkreditt AS","XS1626109968","Covered Bond","- / Aaa / --","EUR",16000000,159166400]
[null,"Nordea Bank Finland PLC","XS1554271590","Covered Bond","- / Aaa / --","EUR",38000000,378020200]
[null,"Nordea Eiendomskreditt","NO0010759632","Covered Bond","- / Aaa / --","NOK",20000000,20000000]
[null,"Nordea Eiendomskreditt","NO0010819717","Covered Bond","- / Aaa / --","NOK",100000000,100000000]
[null,"NORDEA MORTGAGE BANK PLC","XS0778465228","Covered Bond","- / Aaa / --","EUR",30000000,298437000]
[null,"NORDEA MORTGAGE BANK PLC","XS0874351728","Covered Bond","- / Aaa / --","EUR",80000000,795832000]
[null,"NORDEA MORTGAGE BANK PLC","XS1014673849","Covered Bond","- / Aaa / --","EUR",49300000,490431470]
[null,"NORDEA MORTGAGE BANK PLC","XS1784067529","Covered Bond","- / Aaa / --","EUR",14000000,139270600]
[null,"Norsk Stat","NO0010429913","Sovereign","AAA / Aaa / AAA","NOK",300000000,300000000]
[null,"Norsk Stat","NO0010819576","Sovereign","AAA / Aaa / AAA","NOK",300000000,300000000]
[null,"OP Mortgage Bank","XS1285892870","Covered Bond","- / Aaa / AAA","EUR",9000000,89531100]
[null,"OP Mortgage Bank","XS1324085569","Covered Bond","- / Aaa / AAA","EUR",11000000,109426900]
[null,"Skandiabanken Boligkreditt AS","NO0010745342","Covered Bond","- / Aaa / --","NOK",113000000,113000000]
[null,"Skandiabanken Boligkreditt AS","NO0010786999","Covered Bond","- / Aaa / --","NOK",5000000,5000000]
[null,"Skandiabanken Boligkreditt AS","NO0010790603","Covered Bond","- / Aaa / --","NOK",29000000,29000000]
[null,"Skandinaviska Enskilda Bank","XS0894500981","Covered Bond","- / Aaa / --","EUR",24300000,241733970]
[null,"Skandinaviska Enskilda Bank","XS0988357090","Covered Bond","- / Aaa / --","EUR",5000000,49739500]
[null,"Skandinaviska Enskilda Bank","XS1314150878","Covered Bond","- / Aaa / --","EUR",15000000,149218500]
[null,"Skandinaviska Enskilda Bank","XS1362319284","Covered Bond","- / Aaa / --","EUR",76562000,761631119.79999995]
[null,"Sparebanken Sør Boligkreditt AS","XS1622285283","Covered Bond","- / Aaa / --","EUR",20000000,198958000]
[null,"Sparebanken Vest Boligkreditt","NO0010798044","Covered Bond","- / Aaa / --","NOK",200000000,200000000]
[null,"Sparebanken Vest Boligkreditt","NO0010835390","Covered Bond","- / Aaa / --","NOK",19000000,19000000]
[null,"Sparebanken Vest Boligkreditt","XS1373992616","Covered Bond","- / Aaa / --","EUR",15700000,156182030]
[null,"Sparebanken Vest Boligkreditt","XS1565074744","Covered Bond","- / Aaa / --","EUR",12000000,119374800]
[null,"Stadshypotek","NO0010646847","Covered Bond","- / Aaa / --","NOK",80000000,80000000]
[null,"Stadshypotek","NO0010762685","Covered Bond","- / Aaa / --","NOK",50000000,50000000]
[null,"Stadshypotek","XS0987101242","Covered Bond","- / Aaa / --","EUR",40000000,397916000]
[null,"Stadshypotek","XS1050552006","Covered Bond","- / Aaa / --","EUR",163360000,1625088944]
[null,"Stadshypotek","XS1324397964","Covered Bond","- / Aaa / --","EUR",52380000,521071002]
[null,"Stadshypotek","XS1368543135","Covered Bond","- / Aaa / --","EUR",26100000,259640190]
[null,"Stadshypotek","XS1435031270","Covered Bond","- / Aaa / --","EUR",82900000,824680910]
[null,"Swedbank Hypotek AB","XS1778322351","Covered Bond","-- / Aaa / --","EUR",15000000,149218500]
[null,"Swedish Covered Bond Corporation","XS1117542412","Covered Bond","-- / Aaa / --","EUR",47300000,470535670]
[null,"Swedish Covered Bond Corporation","XS1300812077","Covered Bond","- / Aaa / -","EUR",62283000,619585055.70000005]
[]
[null,"Danske Bank A/S København",null,"Reverse Repo",null,"NOK",950000000,950000000]
[null,"Danske Bank A/S København",null,"Reverse Repo",null,"NOK",362000000,362000000]
[null,"Danske Bank A/S København",null,"Reverse Repo",null,"NOK",475000000,475000000]
[null,"Danske Bank A/S København",null,"Reverse Repo",null,"NOK",207000000,207000000]
[null,"Danske Bank A/S København",null,"Reverse Repo",null,"NOK",600000000,600000000]
[null,"Danske Bank A/S København",null,"Reverse Repo",null,"NOK",385000000,385000000]
[null,"Danske Bank A/S København",null,"Reverse Repo",null,"NOK",315000000,315000000]
[null,"Danske Bank A/S København",null,"Reverse Repo",null,"NOK",575000000,575000000]
[null,"Danske Bank A/S København",null,"Reverse Repo",null,"NOK",1058000000,1058000000]
[null,"Danske Bank A/S København",null,"Reverse Repo",null,"NOK",735000000,735000000]
[null,"Danske Bank A/S København",null,"Reverse Repo",null,"NOK",500000000,500000000]
[null,"Danske Bank A/S København",null,"Reverse Repo",null,"NOK",550000000,550000000]
[null,"Danske Bank A/S København",null,"Reverse Repo",null,"NOK",350000000,350000000]
[null,"Danske Bank A/S København",null,"Reverse Repo",null,"NOK",200000000,200000000]
[null,"Danske Bank A/S København",null,"Reverse Repo",null,"NOK",700000000,700000000]
[null,"Danske Bank A/S København",null,"Reverse Repo",null,"NOK",500000000,500000000]
[]
[null,"Sparebank 1 SR-Bank",null,"Deposit","A- / A1 / -","NOK",887217974.04000008,887217974.04000008]
[null,"Sparebank 1 SR-Bank",null,"Deposit","A- / A1 / -","EUR",4312965.78,40843354.64002201]
[null,"Sparebank 1 SR-Bank",null,"Deposit","A- / A1 / -","USD",668894.05000000005,5467807.5223200005]
[null,"Sparebank 1 Nord-Norge",null,"Deposit","A / A1 / -","NOK",100267,100267]
[null,"Sparebank 1 Nord-Norge",null,"Deposit","A / A1 / -","NOK",700000000,700000000]
[null,"SpareBank 1 SMN",null,"Deposit","AA- / AA3 / A+","NOK",242843418.16999999,242843418.16999999]
[null,"Skandinaviska Enskilda Bank Oslo",null,"Deposit","AA- / AA3 / AA-","NOK",400702934.73000002,400702934.73000002]
[null,"Swedbank",null,"Deposit","A / A1 / -","NOK",2446583,2446583]
[]
[null,"Total",null,null,null,null,null,{"$f":"SUM(H21:H113)","v":25701123668.102341}]
[]
[null,"* Rating is Fitch / Moody's / S&P and is sourced from Bloomberg",null,null,null,null,"NOK/EUR",{"$f":"H107/G107","v":9.4699000000000009}]
[null,"** Any differences in this table and the financial statements is due to the quarter end FX rates used for non-NOK amounts in this table,",null,null,null,null,"NOK/USD",{"$f":"H108/G108","v":8.1744000000000003}]
[null,"as well as nominal amounts rather than book (market) values"]

{"sheet":"Issued Bonds","index":6,"n_rows":61,"n_cols":10,"rows_kept":61,"cut":false,"hidden":false,"merged":[[5,1,5,8],[6,1,6,8],[7,1,7,8]]}
[]
[]
[]
[null,null,null,null," ",null," "]
[]
[]
[null,"Covered Bond Programme - Cover Pool Report 31. December 2018"]
[null,"Public Covered Bonds Outstanding:"]
[]
[null,"Series","Amount (Mill)","Issued","Expected Final Maturity","Rating","Interest Basis","Frequency","ISIN","Swap rate FX"]
[null,"EUR"]
[null,"Series 3 / 2017",1000,"06 / 2017","06 / 2024","AAA / Aaa","0.375% Fixed rate","Annually","XS1637099026",9.4600000000000009]
[null,"Series 2 / 2017",1000,"01 / 2017","01 / 2022","AAA / Aaa","0.05% Fixed rate","Annually","XS1555317897",{"$f":"(9.0489+(4530000000/500000000))/2","v":9.0544499999999992}]
[null,"Series 1 / 2017",20,"01 / 2017","01 / 2027","AAA / Aaa","3m Euribor +100 bps","Annually","XS1551914143","n/a"]
[null,"Series 7 / 2016",1000,"08 / 2016","08 / 2026","AAA / Aaa","0.375% Fixed rate","Annually","XS1482554075",9.32]
[null,"Series 6 / 2016",30,"04 / 2016","01 / 2026","AAA / Aaa","0.72% Fixed rate","Annually","XS1394910688",9.5]
[null,"Series 3 / 2016",1000,"03 / 2016","03 / 2023","AAA / Aaa","0.375% Fixed rate","Annually","XS1377237869",9.4184999999999999]
[null,"Series 2 / 2016",15,"03 / 2016","03 / 2024","AAA / Aaa","3m Euribor + 60bps","Quarterly","XS1373138988","n/a"]
[null,"Series 3/2015",1000,"09 / 2015","09 / 2022","AAA / Aaa","0.75% Fixed rate","Annually","XS1285867419",{"$f":"9.415","v":9.4149999999999991}]
[null,"Series 6/2013",1000,"11 / 2013","01 / 2020","AAA / Aaa","1.50% Fixed rate","Annually","XS0995022661",8.2799999999999994]
[null,"Series 4/2013",1000,"06 / 2013","06 / 2020","AAA / Aaa","1.50% Fixed rate","Annually","XS0942804351",7.61]
[null,"Series 1/2012",1250,"02 / 2012","02 / 2019","AAA / Aaa","2.75% Fixed rate","Annually","XS0738895373",7.69]
[null,"Series 6/2011",1000,"08 / 2011","09 / 2021","AAA / Aaa","3.375% Fixed rate","Annually","XS0674396782",7.7]
[null,"Series 1/2011",1000,"02 / 2011","02 / 2021","AAA / Aaa","4% Fixed rate","Annually","XS0587952085",7.93]
[null,"Series 1/2018 (green)",1000,"01 / 2018","01 / 2025","Aaa","0.5% Fixed rate","Annually","XS1760129608",9.64]
[null,"Series 3/2018",1000,"06 / 2018","06 / 2023","Aaa","0.375% Fixed rate","Annually","XS1839386908",9.5]
[null,"Series 4/2018",25,"12 / 2018","12 / 2038","Aaa","Fixed rate","Annually","XS1922110009",10]
[]
[null,"GBP"]
[null,"Series 5/2017",500,"11 / 2017","11 / 2022","Aaa","3m £ LIBOR + 27 bps","Quarterly","XS171637104",10.692]
[null,"Series 2/2018",250,"04 / 2018","12 / 2023","Aaa",1.7500000000000002E-2,"Annually","XS1808327693",11.01]
[]
[null,"USD"]
[null," Series 7/2012",1250,"11 / 2012","11 / 2019","AAA / Aaa","1.75% Fixed Rate","Semi-annually","XS0858653230",5.74]
[]
[null,"NOK"]
[null,"Series 4/2018",2750,"10 / 2018","10 / 2024","Aaa","2.45% Fixed Rate","Annually","NO0070834450"]
[null,"Series 4/2017",8500,"10 / 2017","06 / 2023","Aaa","3m NIBOR + 39bps","Quarterly","NO0010809353"]
[null,"Series 8/2016",930,"12 / 2016","11 / 2026","AAA / Aaa","2.10% Fixed Rate","Annually","NO0010778764"]
[null,"Series 5/2016",{"$f":"7750+1750","v":9500},"04 / 2016","06 / 2022","AAA / Aaa","3m NIBOR + 74bps","Quarterly","NO0010760804"]
[null,"Series 4/2016",2400,"03 / 2016","06 / 2028","AAA / Aaa","2.38% Fixed Rate","Annually","NO0010760176"]
[null,"Series 1/2016",2200,"02 / 2016","06 / 2022","AAA / Aaa","1.90% Fixed Rate","Annually","NO0010756885"]
[null,"Series 2/2015",2500,"01 / 2015","06 / 2021","AAA / Aaa","1.50% Fixed Rate","Annually","NO0010730047"]
[null,"Series 1/2015",10500,"04 / 2015","06 / 2021","AAA / Aaa","Floating Rate","Quarterly","NO0010730005"]
[null,"Series 1/2014",80,"12 / 2014","12 / 2020 ","AAA / Aaa","1.90% Fixed Rate","Annually","NO0010725021"]
[null,"Series 1/2013",9000,"01 / 2013","06 / 2020","AAA / Aaa","Floating Rate","Quarterly","NO0010670508"]
[null,"Series 6/2012",6034,"09 / 2012","9 / 2019","AAA / Aaa","Floating Rate","Quarterly","NO0010657596"]
[null,"Series 4/2012",1550,"08 / 2012","08 / 2019","AAA / Aaa","3.40% Fixed Rate","Annually","NO0010655368"]
[null,"Series 7/2011",1650,"10 / 2011","10 / 2026","AAA / Aaa","4.75% Fixed Rate","Annually","NO0010625460"]
[null,"Series 4/2011",3020,"07 / 2011","07 / 2022","AAA / Aaa","5% Fixed Rate","Annually","NO0010622137"]
[]
[null,"SEK"]
[null,"Series 3/2012",214,"05 / 2012","05 / 2022","AAA / Aaa","3.25% Fixed Rate","Annually","NO0010646904",0.86]
[]
[null,null,null,null,null,"Currency and interest rate risks which arise from non-NOK denominated and/or fixed rate bonds"]
[null,null,null,null,null,"are mitigated through swap contracts.  All cash flows are swapped back to a NOK denominated"]
[null,"SB1 Reporting Contact",null,null,null,"3 months NIBOR basis.  "]
[null,"Eivind Hegelstad, Investor Relations"]
[null,"eivind.hegelstad@sparebank1.no",null,null,null,"The list reflects transactions beyond the reporting date (previous quarter-end) if any has occured"]
[null,"Phone: +47 51 50 93 67"]
[null,null,null,null,null,"From the 3rd quarter 2017 the covered bonds are rated by Moodys only"]