Investor Presentations

Download our newest presentation

Read the latest news from Eika Boligkreditt about the Norwegian economy with key figures, today's financial situation and our strategic framework for sustainability.

The Economy

  • GDP growth of +3.8% for 2022. Expected slightly below trend growth going forward
  • Unemployment rate 1.9% in February 2023
  • 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 3.0% today to 3.5% summer 2023
    in Norges Bank’s Policy rate forcast)

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

Investor Presentations