Investorpresentasjoner

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.
Nyeste investorpresentasjon

The Economy

  • GDP-growth of +0.7% for 2023. Expected growth below trend also for 2024 
  • Strong labour market. Unemployment rate unchanged at 2.0% seasonally adjusted in March 2024. Expected to increase slightly going forward  
  • 0.9% growth in house prices in 2023. Moderate development in house prices expected for 2024 
  • 5.5% inflation and 5.3% increase in wages in 2023. TBU expect inflation of 4.1% for 2024. Wage growth probably around 5.0% for 2024
  • Policy rates peaked at 4.5% in December 2023. Norges Bank expected to start cut rates towards end of 2024

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 mortgage 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

Investorpresentasjoner

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