The Mortgage Society of Finland: Hypo Group’s January–June 2025

_{The Mortgage Society of Finland: Hypo Group’s January–June 2025}

_{The Mortgage Society of Finland}

_{Half Year Financial Report}

_{Helsinki 8 August 2025 03:00 p.m.}

Hypo Group’s January–June 2025

The home finance specialist Hypo Group’s operations and liquidity remained stable as net interest income increased.

CEO Ari Pauna:

“Focusing on low-risk housing collateralized lending in urbanising Finland still provides stability despite the continuous uncertainty in the operating environment. Capital adequacy and liquidity remained strong as net interest income increased. Non-performing loans and impairment losses remained at low level. During uncertain times, the services of a specialist organization are in demand. There is a strong demand for home financing from us, and we respond to the demand comprehensively supported by completely renewed banking technology.”

• Operating profit was EUR 5.2 million (EUR 3.2 million 1–6/2024)
• Net interest income was EUR 10.1 million (EUR 7.7 million 1–6/2024)
• Net fee and commission income was EUR 2.9 million (EUR 2.9 million 1–6/2024)
• Other income was EUR 1.5 million (EUR 1.2 million 1–6/2024)
• Total costs were EUR 9.3 million (EUR 8.6 million 1–6/2024)
• Non-performing loans remained low at 0.39% of loan book (0.43% 31 December 2024)
• Expected credit losses were 0.02% of the loan book (0.01% 31 December 2024)
• Common Equity Tier 1 (CET1) ratio, calculated with the standardized approach and the
  basic indicator approach, was 21.8% (14.3% on 31 December 2024)
• Liquidity Coverage Ratio (LCR) was 232.2% (183.7% on 31 December 2024)

GROUP'S KEY FIGURES
(1000 €)	1-6/2025	1-6/2024	4-6/2025	4-6/2024	1-12/2024
Net interest income	10 058	7 671	5 262	2 878	17 444
Net fee and commission income	2 935	2 934	1 827	1 786	5 655
Total other income	1 514	1 194	483	795	1 490
Total expenses	-9 315	-8 596	-4 652	-4 325	-16 581
Operating profit	5 193	3 203	2 920	1 133	8 008
Receivables from the public and public sector entities	2 819 177	2 818 787	2 819 177	2 818 787	2 791 811
Deposits	1 521 716	1 649 148	1 521 716	1 649 148	1 551 254
Balance sheet total	3 570 870	3 664 942	3 570 870	3 664 942	3 478 594
Return on equity (ROE) %	5.0	3.3	5.8	2.3	4.1
Common Equity Tier 1 (CET1) ratio %	21.8	14.1	21.8	14.1	14.3
Cost-to-income ratio %	63.3	72.5	61.2	78.5	67.0
Non-performing assets % of the loan portfolio	0.39	0.18	0.39	0.18	0.43
LTV-ratio (Loan to Value, average) %	30.8	30.3	30.8	30.3	31.1
Loans / deposits %	185.3	170.9	185.3	170.9	180.0
Liquidity Coverage Ratio (LCR) %	232.2	328.0	232.2	328.0	183.7
Net Stable Funding Ratio (NSFR) %	110.6	115.9	110.6	115.9	115.1
Leverage Ratio (LR) %	4.4	4.0	4.4	4.0	4.3

Hypo Group's Half-year Report can be accessed at https://www.hypo.fi/en/hypo-financial-information/

Distribution: Nasdaq Helsinki Ltd , Main Media, www.hypo.fi