Sp Mortgage Bank Plc's IFRS financial statements and Board of Directors' report for 2025 have been published. Sp Mortgage Bank PlcStock Exchange Release12th of February 2026 at 8 am (CET +1) The materials are attached to this release and available in English and Finnish at www.saastopankki.fi. Sp Mortgage Bank Plc Further information: Tero Kangas, Managing Director Sp Mortgage Bank Plctero.kangas@saastopankki.fi+358 50 420 1022 Sp Mortgage Bank Plc is part of the Savings Banks Group and the Savings Banks Am ...

Core Viewpoint - OP Mortgage Bank has maintained a stable financial standing with a strong capital base and continues to issue covered bonds to support its cooperative banks, despite regulatory changes affecting its capital ratios [5][8][43]. Financial Standing - Bonds issued by OP Mortgage Bank totaled EUR 14,800 million at the end of December, with all funds intermediated to 54 OP cooperative banks as intermediary loans [2]. - Operating profit for the year was EUR 4.8 million, showing a slight increase from EUR 4.4 million in the previous year [5]. - The Common Equity Tier 1 (CET1) ratio decreased to 378.0% from 797.0% due to an increase in total risk exposure amount following regulatory changes [8][13]. Capital Adequacy and Risk Exposure - OP Mortgage Bank's CET1 capital stood at EUR 364,657 million, fully covering its capital requirements [11][9]. - The total risk exposure amount increased significantly to EUR 96,465 million from EUR 45,755 million, primarily due to changes in the calculation of credit and operational risks [12]. - The bank's MREL ratio was 378% of the total risk exposure amount, indicating a strong buffer above the required levels [17]. Covered Bonds and Collateralization - The EMTCB program established a total of EUR 25 billion, with EUR 7,250 million in covered bonds issued, and a cover pool of EUR 8,054 million in loans serving as collateral [6]. - OP Mortgage Bank issued a fixed-rate covered bond of EUR 1 billion in April 2025, with proceeds intermediated to 38 OP cooperative banks [4]. Sustainability and Corporate Responsibility - OP Pohjola's sustainability efforts are guided by a program updated at the end of 2025, focusing on climate, communities, and corporate governance [28]. - The bank has committed to various international initiatives, including the UN Global Compact and the Principles for Responsible Banking [29]. Personnel and Governance - At the end of the reporting period, OP Mortgage Bank had six employees, with key support services digitized and sourced from OP Cooperative [34][35]. - The governing body includes a Chair and several members from OP Cooperative and OP Corporate Bank, ensuring strong oversight [36].

Core Viewpoint - Jyske Realkredit A/S has published Supplement no. 1 to its Base Prospectus dated June 27, 2025, concerning covered bonds, mortgage bonds, and bonds issued under the Danish Mortgage-Credit Loans and Mortgage-Credit Bonds Act [1]. Group 1 - The Supplement no. 1 is available for download in both Danish and English on Jyske Realkredit's official website [2]. - In case of discrepancies between the Danish text and the English translation, the Danish text will prevail [2]. - The announcement includes contact information for further inquiries, specifically mentioning the Head of Rating and IR and Legal Counsel [4].

Core Viewpoint - Landsbankinn is planning to conduct covered bond auctions in the domestic market in 2026 and is also considering other funding opportunities to diversify its funding base [1]. Group 1: Covered Bond Auctions - Landsbankinn has scheduled covered bond auctions for the domestic market in 2026 [1]. - The bank reserves the right to modify the auction schedule for 2026 at its discretion without prior notice [1]. Group 2: Funding Opportunities - The company will explore the issuance of subordinated securities in the domestic market as part of its strategy to diversify funding sources [1]. - The timing and amount of any such issuance will be contingent on market conditions and investor interest [1].

Group 1 - Landsbankinn hf. has entered into market-making agreements with Arion bank hf., Islandsbanki hf., and Kvika bank hf. for covered bonds, effective from October 6, 2025 [1] - Market makers will place bid and ask orders for covered bonds before market opening each business day, with minimum order sizes based on the size of each series [2] - The minimum nominal amount of orders for inflation-linked series LBANK CBI 26 and LBANK CBI 28 is set at ISK 40 million [2] Group 2 - Market makers are released from obligations once their trading volume reaches ISK 500 million for all series of covered bonds on a given trading day [3] - The maximum spread between bid and ask orders is determined by the time to maturity, with specific percentages outlined for different maturity ranges [3] - Inflation-linked series with less than two years to maturity are exempt from maximum spread obligations [3] Group 3 - Landsbankinn will offer bond lending facilities to market makers, allowing each to borrow up to ISK 320 million in each series [4]

Core Points - The Bank of Nova Scotia announced changes to its bond issue management, effective from September 29, 2025, with Citibank taking over key roles [1][2] - The affected bonds include a total of EUR 7.56 billion, GBP 2.6 billion, USD 5.75 billion, and CHF 1.36 billion across various maturities [4] Summary by Sections Bond Management Changes - Scotiabank's London Branch will cease its roles as Paying Agent, Transfer Agent, and Registrar for existing bonds, transferring these responsibilities to Citibank's London Branch [2] - The New York Agency of Scotiabank will also withdraw from its functions, with Citibank Europe Plc succeeding these roles [2] Affected Bonds - The changes impact a range of bonds, including euro bonds maturing from 2026 to 2041, pound-linked floating rate notes due in 2026, US dollar bonds maturing in 2026 and 2027, and Swiss franc bonds maturing between 2025 and 2029 [3] - The total value of the affected bonds is EUR 7.56 billion, GBP 2.6 billion, USD 5.75 billion, and CHF 1.36 billion [4] Additional Information - UBS AG will continue to act as the Swiss Paying Agent for the bank's CHF issues [3] - The Bank of Nova Scotia is based in Toronto and provides personal and business banking services, including lending and trade finance [4]

Core Points - A correction has been made regarding the maturity dates for bonds DK0009549933 and DK0009549859, changing the maturity date from 10 January 2029 to 1 October 2029 due to an internal error [1] - All other terms related to the bond auctions remain unchanged [2] Auction Details - The auction for bond DK0009549933 (SDO (H)) will take place on 20 August 2025, with a settlement amount of DKK 11,800 million and a maturity date of 1 October 2029 [4] - The auction for bond DK0009549859 (SDO (H)) will occur on 21 August 2025, with a settlement amount of DKK 16,400 million and the same maturity date of 1 October 2029 [4] - Other bonds listed for auction include DK0009550006, DK0009551160, and DK0009550196, with varying settlement amounts and maturity dates [4] Additional Information - The Nykredit Group is not obligated to sell the announced offering, and changes may occur based on loan disbursements during the auction period [4] - A determination regarding the sufficiency of purchasers for the covered bonds must be made by the second-last business day of the quarter, with immediate market notification required [5]

Core Insights - LHV Group reported a net profit of 30.8 million euros in Q2 2025, a 6% increase from the previous quarter, with a return on equity of 17.4% [1][5][6] - The loan portfolio reached 5 billion euros, reflecting a strong growth trajectory and increased investment confidence among Estonian companies [17] - All subsidiaries of LHV Group were profitable in Q2 2025, contributing to the overall positive financial performance [2] Financial Performance - Consolidated revenue for Q1 2025 was 73.9 million euros, a decrease of 7% from the previous quarter and 14% year-on-year [3] - Net interest income in Q2 2025 was 57.6 million euros, while net fee and commission income was 15.6 million euros [3][6] - Total expenses for Q2 2025 amounted to 40.5 million euros, an 8% increase from the previous quarter and 11% year-on-year [3][6] Asset and Loan Growth - As of June 2025, consolidated assets were 9.38 billion euros, a 10% increase from the previous quarter and 28% year-on-year [4] - The consolidated loan portfolio increased by 269 million euros (6%) in Q2 2025 and by 1.1 billion euros (28%) year-on-year [4][9] - Consolidated deposits rose by 760 million euros (12%) to 7.36 billion euros [4] Subsidiary Performance - LHV Pank earned a net profit of 29.7 million euros, while LHV Bank Ltd, LHV Varahaldus, and LHV Kindlustus reported net profits of 0.1 million euros, 0.5 million euros, and 1.1 million euros, respectively [2][5] - LHV Kindlustus experienced a 78% increase in insurance revenue and a 62% increase in net profit compared to the previous quarter [13] - LHV Bank in the UK saw its loan portfolio grow by 79 million euros to 569 million euros, with deposits reaching a record 1.02 billion euros [11][12] Market Developments - LHV Pank launched an innovative banking service, LHV Premium, which combines banking, insurance, and travel services [8] - The bank issued covered bonds worth 300 million euros, which were oversubscribed by 2.5 times, indicating strong demand from institutional investors [10] - LHV Group's pension funds showed positive returns, with rates of return for various funds ranging from 0.7% to 2.8% in Q2 2025 [14] Capitalization and Ratings - LHV Group remains well-capitalized, having issued AT1 bonds worth 50 million euros and unsecured bonds worth 60 million euros [16] - Moody's upgraded the ratings for LHV Pank's covered bond program to Aaa, reflecting the group's strong financial position [16]

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]