Group 1 - The company, Realkredit Danmark, has completed the auctions of mortgage covered bonds (SDRO's) in series 12E and 12F for the refinancing of RD Cibor6® effective from 1 July 2025 [1] - The results of the auctions are detailed in an appendix attached to the announcement [1]

To Nasdaq Copenhagen A/S 22nd May 2025 Announcement no. 44/2025Final terms for bonds to be listed 23rd May 2025On 23rd May 2025, Jyske Realkredit A/S will be listing new Covered Bonds (SDO). Final terms for the bonds are attached to this announcement. The full prospectus for the Bonds consist of the attached final terms and the previously disclosed ”Base Prospectus for the issue of Covered Bonds (SDO), Mortgage bonds (“RO”) and Mortgage Bonds (RO) and bonds issued pursuant to Section 15 of the Danish Mortg ...

Core Insights - LHV Group reported strong financial performance in April, with significant growth in both loan and deposit portfolios, alongside a net profit of EUR 10.8 million [1][2] Financial Performance - The consolidated loan portfolio of LHV Group increased by EUR 77 million, while total deposits rose by EUR 727 million in April [1] - The net profit for LHV Group was EUR 10.8 million, with contributions from subsidiaries: AS LHV Pank (EUR 10.1 million), LHV Bank Ltd (EUR 83 thousand), AS LHV Kindlustus (EUR 319 thousand), and AS LHV Varahaldus (EUR 68 thousand) [2] - The return on equity attributable to shareholders was 19.1% [2] Customer Growth and Deposits - LHV Pank gained 2,800 new customers in April, with a loan portfolio growth of EUR 53 million and deposits increasing by EUR 574 million [3] - The increase in deposits included EUR 41 million from retail customers and EUR 212 million from corporate customers, with an additional EUR 120 million from platform deposits [3] Ratings and Recognition - Moody's Ratings upgraded LHV Pank's covered bond programme and ratings to the highest Aaa level [4] - LHV was recognized as one of the leading employers in the financial sector for the fifth consecutive year, ranking second in the overall assessment [4] UK Operations - LHV Bank in the UK saw rapid growth, with a loan portfolio increase of EUR 24 million and platform deposits rising by EUR 130 million [5] - The bank's profit was affected by increased marketing expenses for an upcoming retail banking campaign [5] Insurance and Investment Management - LHV Kindlustus signed new insurance contracts worth EUR 3.7 million, with claims paid totaling EUR 2.1 million [6] - The pension funds managed by LHV maintained their value despite market tensions, with larger funds showing year-to-date returns of 3.4% and 4.1% [7] Capital and Credit Ratings - LHV Group issued EUR 50 million in Tier 1 capital to support growth and repurchase previous AT1 bonds [8] - The long-term issuer rating for LHV Group remains Baa3 with a positive outlook [8] Company Overview - LHV Group is the largest domestic financial group in Estonia, with key subsidiaries including LHV Pank, LHV Varahaldus, LHV Kindlustus, and LHV Bank Limited [9] - As of the end of April, LHV served 468,000 banking clients, managed pension funds for 113,000 active clients, and provided insurance for 176,000 clients [9]

Financial Standing - OP Mortgage Bank (OP MB) reported intermediary loans and bonds issued totaling EUR 14,800 million at the end of March 2025 [2][3] - The operating profit for the period was EUR 1.7 million, a decrease from EUR 2.3 million in the previous year [4] Capital Adequacy - OP MB's Common Equity Tier 1 (CET1) ratio decreased to 372.0% from 797.0% due to an increase in total risk exposure amount following regulatory changes [8][11] - The total risk exposure amount increased significantly to EUR 98,034 thousand from EUR 45,755 thousand [10][11] Collateralisation of Bonds - The cover pool for the Euro Medium Term Covered Bond (Premium) programme included EUR 6,882 million in loans as collateral, with overcollateralisation exceeding the minimum requirement [6] - The Euro Medium Term Covered Note programme had a cover pool of EUR 9,468 million, also exceeding the minimum requirement [7] Risk Profile - OP MB has a strong capital base and risk-bearing capacity, with key credit risk indicators showing stable credit risk exposure [28] - The liquidity coverage ratio (LCR) for OP Financial Group was reported at 202%, indicating strong liquidity management [29] Outlook - The global economic outlook is weakening, with the Finnish economy expected to grow less than previously anticipated, leading to increased uncertainty [32] - OP MB's capital adequacy is expected to remain strong, allowing for future issuance of covered bonds [33]

To Nasdaq Copenhagen A/S Executive ManagementBernstorffsgade 40DK-1577 København Vwww.rd.dkTelephone +45 7012 53005 May 2025 Company Announcement number 40/2025 Final auction amounts of mortgage covered bonds series 12E and 12F Realkredit Danmark hereby announces the final auction amounts of mortgage covered bonds (SDRO) for the refinancing of RD Cibor6® as of 1 July 2025. The exact terms and conditions of the auctions are set out in the appendix to this announcement. The Executive Management Any additio ...