Financial information

Financial calendar 2017 mobil Financial calendar 2017

Reports

2016

KLP Group - Financial Reports

ReportQ1Q2Q3Q4Annual report
Quarterly ReportQ1/2016Q2/2016Q3/2016Q4/20162016
PresentationQ1/2016Q2/2016Q3/2016Q4/2016 

 

Subsidiaries - Financial Reports

ReportQ1Q2Q3Q4Annual report
KLP BankenQ1/2016Q2/2016Q3/2016Q4/20162016
KLP Banken - Management report    2016
KLP Kommune­kredittQ1/2016Q2/2016Q3/2016Q4/20162016
KLP Bolig­kredittQ1/2016Q2/2016Q3/2016Q4/20162016

 

SRI - Reports

ReportAnnual report
Climate Certificate 

2015

KLP Group - Financial Reports

ReportQ1Q2Q3Q4Annual report
Quarterly ReportQ1/2015Q2/2015Q3/2015Q4/20152015
PresentationQ1/2015Q2/2015Q3/2015Q4/2015 

 

Subsidiaries - Financial Reports

ReportQ1Q2Q3Q4Annual report
KLP BankenQ1/2015Q2/2015Q3/2015Q4/20152015
KLP Banken - Management report    2015
KLP Kommune­kredittQ1/2015Q2/2015Q3/2015Q4/20152015
KLP Bolig­kredittQ1/2015Q2/2015Q3/2015Q4/20152015
KLP Skadeforsikring    2015

 

SRI - Reports

ReportAnnual report
Climate Certificate 

2014

KLP Group - Financial Reports

Report Q1 Q2 Q3 Q4 Annual report
Quarterly ReportQ1/2014Q2/2014Q3/2014Q4/20142014
PresentationQ1/2014Q2/2014Q3/2014Q4/2014  

 

Subsidiaries - Financial Reports

Report Q1 Q2 Q3 Q4 Annual report
KLP BankenQ1/2014Q2/2014Q3/2014Q4/20142014
KLP Kommune­kredittQ1/2014Q2/2014Q3/2014Q4/20142014
KLP Bolig­kreditt    Q3/2014Q4/20142014
KLP Skadeforsikring AS        2014

 

SRI - Reports

Report Annual report
Climate Certificate2014

2013

KLP Group - Financial Reports

Report Q1 Q2 Q3 Q4 Annual report
Quarterly ReportQ1/2013Q2/2013Q3/2013Q4/20132013
PresentationQ1/2013Q2/2013Q3/2013Q4/2013  

 

Subsidiaries - Financial Reports

Report Q1 Q2 Q3 Q4 Annual report
KLP Banken01/2013Q2/2013Q3/2013Q4/20132013
KLP Kommune­kreditt01/2013Q2/2013Q3/2013Q4/20132013
KLP Skadeforsikring AS        2013

 

SRI - Reports

ReportAnnual report
Climate Certificate2013

2012

KLP Group - Financial Reports

Report Q1 Q2 Q3 Q4 Annual report
Quarterly ReportQ1/2012Q2/2012Q3/2012Q4/20122012
PresentationQ1/2012Q2/2012Q3/2012Q4/2012  

 

Subsidiaries - Financial Reports

Report Q1 Q2 Q3 Q4 Annual report
KLP BankenQ1/2012Q2/2012Q3/2012Q4/20122012
KLP Kommune­­kredittQ1/2012Q2/2012Q3/2012Q4/20122012
KLP Skade­­forsikring        2012

 

SRI - Reports

Report Annual report
Climate Certificate  
CDP2012

2011

KLP Group - Financial Reports

Report Q1 Q2 Q3 Q4 Annual report
Quarterly reportQ1/2011Q2/2011Q3/2011Q4/20112011
PresentationQ1/2011Q2/2011Q3/2011Q4/2011  

 

Subsidiaries - Financial Reports

Report Q1 Q2 Q3 Q4 Annual report
KLP Banken    Q3/2011Q4/20112011
KLP Kommune­­kredittQ1/2011Q2/2011Q3/2011Q4/20112011
KLP Kreditt        2011
KLP Skade­­forsikring        2011

 

Non-financial reports

Report Annual report
Sustainability report - see Corporate ResponsibilityCO2 2011

 

SRI - Reports

Report Q1 Q2 Q3 Q4
SRI Report  1/2011  2/2011

2010

KLP Group - Financial Reports

Report Q1 Q2 Q3 Q4 Annual report
Quarterly ReportsQ1/2010Q2/2010Q3/2010Q4/20102010
PresentationsQ1/2010Q2/2010Q3/2010

Q4/2010
 

 

 

Subsidiaries - Financial Reports  

Report Q1 Q2 Q3 Q4 2010
KLP Banken        2010
KLP Kommune­kreditt    Q3/2010Q4/20102010
KLP Kreditt        2010
KLP Skade­forsikring        2010

 

SRI - Reports

Report Q1 Q2 Q3 Q4 Annual Report
SRI Reports  1/2010  2/2010  

 

Corporate Responsibility - Reports

Report  
Corporate Responsibility reports  

2009

KLP Group - Financial Reports

Report Q1 Q2 Q3 Q4 Annual report
Quarterly ReportsQ1/2009Q2/2009Q3/2009Q4/20092009
PresentationsQ1/2009Q2/2009Q3/2009Q4/2009  

 

Subsidiaries - Financial Reports

Report Q1 Q2 Q3 Q4 Annual report
KLP Banken        2009
KLP Kommune­kreditt        2009
KLP Kreditt        2009
KLP Skade­forsikring        2009

 

SRI - Reports

Report Q1 Q2 Q3 Q4
SRI Reports  1/2009  2/2009

 

Corporate Responsibility - Reports

Report Annual report
Corporate Responsibility reports  

2008

KLP Group - Financial Reports

Report Q1 Q2 Q3 Q4 Annual report
Quarterly reportsQ1/2008Q2/2008Q3/2008Q4/20082008
PresentationsQ1/2008Q2/2008Q3/2008Q4/2008  

 

Subsidiaries - Financial Reports

Report Q1 Q2 Q3 Q4 Annual report
KLP Skade­forsikring        2008

 

SRI - Reports

Report Q1 Q2 Q3 Q4
SRI Reports  1/2008  2/2008

 

Corporate Responsibility - Reports

Report Annual report
Corporate Responsibility reports  

2007

KLP Group - Financial Reports

Report Q1 Q2 Q3 Q4 Annual report
Quarterly reportsQ1/2007Q2/2007Q3/2007Q4/20072007
PresentationQ1/2007Q2/2007Q3/2007Q4/2007  

 

Subsidiaries - Financial Reports

Report Q1 Q2 Q3 Q4 Annual report
KLP Skade­forsikring        2007

 

SRI Reports

Report Q1 Q2 Q3 Q4
SRI Reports        

 

Corporate Responsibility - Reports

Report Annual report
Corporate Responsibility reports  

2006

KLP Group - Financial Reports

Report Q1 Q2 Q3 Q4 Annual report
Quarterly reportsQ1/2006Q2/2006Q3/2006Q4/20062006
PresentationQ1/2006Q2/2006Q3/2006Q4/2006  

 

Corporate Responsibility - Reports

Report  
Corporate Responsibility reports  

Investment policy

KLP is a mutual insurance company, in other words, our insurance customers are also our owners. And as owners our customers have a special interest in KLP's financial strength and earnings.

Therefore KLP gives great priority to providing its customers and owners with a competitive, but at the same time stable, return on their pension savings. The Company places emphasis on building the financial strength that provides the necessary freedom to take calculated risks in financial management.

KLP's risk profile
KLP has an investment mix in which almost 15 per cent is invested in the equity markets where both the earnings opportunities and risks associated with the investments are greatest. As a balancing factor almost 50 per cent of the remainder is invested in stable investments that provide good current returns. These are generally hold-to-maturity bonds, lending with good collateral and investments in high quality property with long leases. The remainder of the financial portfolio comprises mainly short term bonds and money-market investments.

KLP continuously monitors its risk picture and follows a trading rule that triggers reduction of the most risk-exposed financial investments in falling markets, whereas good markets provide the freedom to increase the risk in the portfolio.

Low costs
The objective is to make the asset management as efficient and cost-saving as possible. KLP has therefore developed advanced models that make it possible to run what is known as index-tracking management at very low cost. Index-tracking management means that one invests in securities portfolios with a value gradient barely deviating from the value gradient in the market in which one is investing, whether it is the Oslo Børs, the New York Stock Exchange or an international bonds market. The majority of our international securities investments aim to follow the markets, not to beat them.

But we also have a specialised team whose task is to manage smaller, specialised securities portfolios in which the aim is to select individual securities or industries with better development than the average in the market - and in this way to create an additional return.

Cost-effective funds for everyone
KLP’s index-tracking management also forms the building blocks in KLP Fondsforvaltning's index-tracking funds, which have received a broad and good acceptance in the market.

Not only can broader customer groups enjoy the benefits of KLP's expertise in index-tracking management, but it also contributes to spreading the management costs across a larger number of customers - which produces a more reasonable pension product.

Rating

Since 2004 the credit rating bureau Standard & Poor’s has rated KLP. From the beginning KLP has achieved an A- rating. In connection with KLP Kommunekreditt's establishment of an international borrowing programme for covered bonds KLP has from 2010 been assessed by Moody’s Investor Services.

CompanyFSR*CCR**Future prospects
KLP                                                  A-A-Stable

* FSR: Financial Strength Rating
** CCR: Counterparty Credit Rating
www.standardandpoors.com

Moody's
CompanyIFSR*RatingFutureprospects
KLPA2 Stable
KLP Banken A2Stable
KLP Kommunekreditt covered bonds AaaStable
KLP Boligkreditt covered bonds AaaStable

* IFSR: Insurance Financial Strength Rating

www.moodys.com

Key figures

The documents listed below show an overview of the key figures from KLP.

2010Key figures
2009Key figures
2008Key figures
2007Key figures
2006Key figures
2005Key figures
2004Key figures
2003Key figures

Investor information KLP Banken (Group)

Financial calender KLP Banken (Group)

Financial year 2016:
Quarterly Report Q4 – 09.02.2017
Annual Report – 10.03.2017

Financial year 2017:
Quarterly Report Q1 – 05.05.2017
Quarterly Report Q2 – 11.08.2017
Quarterly Report Q3 – 25.10.2017

KLP Banken AS

Here you will find the listing document
Pilar 3 - report 2015

Investor presentation:
Investor presentation May 2016

Quarterly presentation:
Quarterly presentation Q4 2015
Quarterly presentation Q1 2016
Quarterly presentation Q2 2016
Quarterly presentation Q3 2016
Quarterly presentation Q4 2016


Rating:
Rating Action Moodys 18.08.2016 
Credit Opinion Moodys

KLP Banken AS bonds

Bonds KLP Banken AS

  

Loan number

Bond Agreement Nordic Trustee

Term Sheet

NO0010649460

PDF

PDF

NO0010691322

PDF

PDF

NO0010709454

PDF

PDF

NO0010721046

PDF

PDF

NO0010740210

PDF

PDF

NO0010755770

PDF

PDF


Contact:
Christopher Steen
Head of Treasury
+47 952 24 953

KLP Kommunekreditt AS

Here you will find:
the Registration Document
- the Base Prospectus
- Ammended Agreement
- a translated version of the "Summons of Bondholder Meeting 17.06.2016" 
- Notice from the Bondholder Meeting 01.07.16

Investor presentation:
Investor presentation May 2016

Quarterly presentations (including Cover pool information):
Quarterly presentation Q4 2015
Quarterly presentation Q1 2016
Quarterly presentation Q2 2016
Quarterly presentation Q3 2016
Quarterly presentation Q4 2016

Rating reports
New Issue Report Moodys
​Performance Report Moodys


KLP Kommunekreditt AS covered bonds issued

Covered bonds issued

Covered bonds

Tranche 1Tranche 2Tranche 3

NO0010592900

PDF

PDF

 

NO0010662307

PDF

  

NO0010675952

PDF

  

NO0010675978

PDF

PDF

PDF

NO0010716780

PDF

PDF

 

NO0010719974

PDF

PDF

PDF

NO0010751928

PDF

  

NO0010756711

PDF

  

NO0010764046

PDF

  

NO0010774474

PDF

  


Contact:
Christopher Steen
Head of Treasury
+47 952 24 953

 

KLP Boligkreditt AS

Here you will find:
the registration document
- supplement no 1 to Registration Document

Investor presentation:
Investor presentation May 2016

Quarterly presentations:
Quarterly presentation Q4 2015
Quarterly presentation Q1 2016
Quarterly presentation Q2 2016
Quarterly presentation Q3 2016
Quarterly presentation Q4 2016

Cover pool information:
Cover pool Q4 2015
Cover pool Q1 2016
Cover pool Q2 2016
Cover pool Q3 2016
Cover pool Q4 2016

Rating reports:
New Issue Report Moodys
Moodys Rating Action 17. september 2014
Performance Report Moodys

KLP Boligkreditt AS covered bonds

Covered bonds issued

Loan number

Covered Bonds Agreement

Securities Notes

NO0010719875

PDF

PDF

NO0010721244

PDF

PDF

NO0010723018

PDF

PDF

NO0010747553

PDF

PDF

NO0010729486

PDF

PDF

 

Contact:
Christopher Steen
CEO
+47 952 24 953