1. 1 HOUSING MARKET IN FINLAND May 2015

2. 2 HOUSING PRICES PER EARNINGS INDEX 2000=100

3. 3 HOUSING PRICE INDEX BY QUARTER 1983=100

4. 4 AVERAGE HOME LOANS (OF HOUSEHOLDS WHO CURRENTLY HAVE A HOME LOAN) € Source: Federation of Finnish Financial Services

5. 5 Source: Federation of Finnish Financial Services: Saving and borrowing in Finland, Spring 2014 HOME LOAN REPAYMENT PERIOD IN 2014 % of home loans taken during the last two years Average repayment periods : 2014: 16.9 years 2013: 17.9 years 2012: 17.4 years 2011: 17.8 years 2010: 17.4 years 2009: 18.5 years 2008: 18.8 years 1998: 11 years

6. 6 HOUSING LOANS GRANTED TO HOUSEHOLDS BY CREDIT INSTITUTIONS €bn%

7. 7 STARTS ON NEW DWELLINGS Thousand dwellings

8. 8 LENDING BY FINNISH CREDIT INSTITUTIONS Source: Bank of Finland

9. 9 NEW DRAWDOWNS OF HOUSING LOANS PER MONTH Bn€ (12 months centered moving average)

10. 10 NEW HOUSING LOANS BY INTEREST RATE LINKAGE

11. 11 AVERAGE INTEREST RATES OF HOUSING LOANS IN FINLAND %

12. 12 INTEREST RATE ON HOUSING LOANS, NEW BUSINESS