Grønt Eika skilt på bygning. foto

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Les siste nytt fra Eika Boligkreditt omkring norsk økonomi over nøkkeltall, økonomisk situasjon i dag og våre strategisk rammeverk for bærekraft.

The Economy

  • GDP-growth -2.8% in 2020, but strong rebound of +4.1% in 2021. +3.8% expected for 2022 
  • Unemployment rate 1.6% in November 2022
  • Higher mortgage rates are expected to lead to slightly lower house prices going forward 
  • Inflation expected to overshoot inflation target and economy operating at full capacity leads to higher policy rates going forward (from 2.5% today to 3.0% during the winter 2022/23 according to Norges Bank)

Robust, local savings banks

  • 3rd largest Norwegian banking group
  • Focus on retail lending
  • High asset quality with low levels of doubtful & non-performing loans, low LTV and no direct exposure to oil/offshore/shipping
  • Strong and diversified deposit base  
  • Strong capitalization and high level of liquidity buffers
  • Strong position in the local markets

Conservative cover pool

  • Maximum 75% LTV for mortgages at origination and strict underwriting criteria
  • 100% residential assets as collateral
  • Prudent risk management with regards to refinancing, liquidity, currency, interest rate and counterparty risk
  • Credit guarantees from the distributors and capital and liquidity support agreements with the owners