• 68% 62% 65% 61% 63% 53% 56% 52% 55% 49% 53% 45% - 27% 23% 17% 8% 8% 4% 4% 4% 7% 0% DK FI NO SE Total Current 20% value decline • Current 20% value decline 0–40% LTV 51–60% LTV 71–80% LTV 41–50% LTV 61–70% LTV >80% LTV - - 4.4 4.4 4.1 4.0 45% 3.1 37% 29% 2.1 2.0 2.0 2.0 2.0 26% 26% • 19% - 3%9% 6% 1% 1% Current Stress scenario Current Stress scenario <1.0 1.5–2.0 3.0–4.0 • DK FI NO SE Total 1.0–1.5 2.0–3.0 >4.0 *