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Kojamo Oyj

Quarterly Report Nov 5, 2018

3225_ir_2018-11-05_aee1c1d1-028a-4bbc-a407-61d285c55aca.pdf

Quarterly Report

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Kojamo plc's Interim Report 1 January–30 September 2018

Unless otherwise stated, the comparison figures in brackets refer to the corresponding period of the previous year. The figures in this Interim Report have not been audited.

All statements made in this report regarding the company or its business are based on the views of the management, and the sections addressing the general macro-economic or industry situation are based on third-party information.

If there are differences between different language versions of the Interim Report, the Finnish version is the official one.

KOJAMO PLC'S INTERIM REPORT 1 JANUARY – 30 SEPTEMBER 2018

The implementation of the strategy advanced, driven by accelerated investments and service development

SUMMARY OF JULY–SEPTEMBER 2018

  • Total revenue increased by 6.7 per cent to EUR 89.7 (84.0) million.
  • Net rental income increased by 10.2 per cent, totalling EUR 64.5 (58.5) million. Net rental income represented 71.9 (69.6) per cent of revenue.
  • Profit before taxes was EUR 59.1 (73.4) million. The profit includes EUR 13.4 (33.2) million in net gain on valuation of investment properties at fair value.
  • The fair value of investment properties was EUR 5.0 (4.5) billion at the end of the review period.
  • Gross investments totalled EUR 62.6 (64.3) million.

SUMMARY OF JANUARY–SEPTEMBER 2018

  • Total revenue increased by 6.5 per cent, totalling EUR 267.7 (251.3) million.
  • Net rental income increased by 9.0 per cent, totalling EUR 174.0 (159.7) million. Net rental income represented 65.0 (63.6) per cent of revenue.
  • Profit before taxes totalled EUR 199.5 (205.4) million. The profit includes EUR 87.5 (100.8) million in net gain on valuation of investment properties at fair value and EUR 0.9 (1.5) million profit on sale of investment properties.
  • The fair value of investment properties was EUR 5.0 (4.5) billion at the end of the review period, including EUR 0.0 (3.9) million in investment properties held for sale.
  • The financial occupancy rate remained high, standing at 96.8 (96.7) per cent during the review period.
  • Gross investments totalled EUR 305.8 (193.7) million, representing 114.2 (77.1) per cent of total revenue.
  • Equity per share was EUR 9.32 (8.65) and return on equity was 9.8 (11.2) per cent. Return on investments was 6.9 (7.7) per cent.
  • EPRA NAV per share (net asset value) was EUR 11.39 (10.88). Compared to the comparison period, the change was 4.7 per cent.

  • There were 1,008 (1,760) Lumo apartments under construction at the end of the review period.

  • Kojamo specifies its outlook with regards to total revenue and FFO.

Kojamo owned 34,416 (34,046) rental apartments at the end of the review period. Since September of last year, 1,049 apartments have been acquired, 1,319 have been completed, 1,929 have been sold and 69 have been demolished or altered.

OUTLOOK FOR KOJAMO IN 2018 (specified)

Kojamo estimates that in 2018, the Group's total revenue will increase by 5–8 per cent year-onyear (previously 3–9 per cent). In addition, the company estimates that the Group's FFO for 2018 will amount to between EUR 106 and 115 million, excluding one-off items (previously EUR 103-116 million). Investments in new development and housing stock acquisitions are forecast to exceed EUR 300 million.

The outlook takes into account the effects of the housing divestments and acquisitions completed in 2018, the estimated occupancy rate and rises in rents, as well as the number of apartments to be completed. The outlook is based on the management's assessment of total revenue, net rental income, administrative expenses, financial expenses, taxes to be paid and new development to be completed, as well as the management's view on future developments in the operating environment.

Additionally, the outlook is based on strong demand sustained by migration, which will increase like-for-like rental income. The management can influence total revenue and FFO through the company's business operations. In contrast, the management has no influence over market trends, the regulatory environment or the competitive landscape.

KEY FIGURES

7- 7- Change 1- 1- Chan
9/2018 9/2017 % 9/2018 9/2017 ge% 2017
Total revenue, M€ 89.7 84.0 6.7 267.7 251.3 6.5 337.0
Net rental income, M€ *) 64.5 58.5 10.2 174.0 159.7 9.0 216.0
Net rental income margin % *) 71.9 69.6 65.0 63,6 64.1
Profit before taxes, M€ *) 59.1 73.4 -19.5 199.5 205.4 -2.8 266.7
EBITDA, M€ *) 70.1 83.7 -16.2 235.1 235.5 -0.1 308.2
EBITDA margin, % *) 78.2 99.5 87.9 93.7 91.5
Adjusted EBITDA, M€ *) 56.8 50.2 13.1 146.8 133.2 10.2 179.5
Adjusted EBITDA margin % *) 63.3 59.7 54.8 53.0 53.3
Funds from Operations (FFO), M€ *) 42.3 33.8 25.1 81.8 78.7 3.9 107.8
FFO margin % *) 47.1 40.2 30.5 31.3 32.0
FFO per share, € *) 3) 0.17 0.15 13.3 0.35 0.34 2.9 0.47
FFO excluding one-off items, M€ *) 42.2 33.8 24.9 82.6 78.7 4.9 107.8
Investment properties, M€ 2) 4,997.9 4,516.3 10.7 4,710.2
Financial occupancy rate, % 96.8 96.7 96.7
Interest-bearing liabilities, M€ 1) *) 2,537.7 2,352.7 7.9 2,283.0
Return on equity, % (ROE) *) 9.8 11.2 10.9
Return on investments, % (ROI) *) 6.9 7.7 7.5
Equity ratio, % *) 42.2 40.2 41.3
Loan to Value, % 1) *) 46.2 45.9 46.0
EPRA NAV, M€ 2,814.6 2,495.7 12.8 2,548.8
EPRA NAV per share, € 3) 11.39 10.88 4.7 11.11
Gross investments, M€ *) 62.6 64.3 -2.6 305.8 193.7 57.9 367.3
Number of personnel, end of period 304 302 316

*) In accordance with the guidelines issued by the European Securities and Markets Authority (ESMA), Kojamo provides an account of the Alternative Performance Measures used by the Group in the key figures section of the interim report

1) Excluding items held for sale

2) Including items held for sale

3) Key figures have been adjusted to reflect the impact of the decision by the Extraordinary General Meeting of Shareholders on 25 May 2018 regarding the share split. In the share split the shareholders received 30 new shares per each existing share.

CEO'S REVIEW

We proceeded with implementing our strategy and succeeded in our operational activities also during the third quarter. The fair value of investment properties amounted to EUR 5.0 billion at the end of the review period. The financial occupancy rate remained at a good level during the review period, despite the increased number of new properties completed in the market. The financial occupancy rate was 96.8 per cent during the review period and improved further during the third quarter.

In accordance with our strategy, we respond to the trends of urbanisation, digitalisation and communality. We want to provide our customers with services that make daily life easier, increase the attractiveness of housing and improve the sense of community. Our aim is to develop a networked service platform that will enable agile innovation implementation in cooperation with other operators. Kojamo's apartments form the platform to which the new services can easily be connected.

During the review period, the number of tenancy agreements signed via the Lumo webstore continued to increase sharply. Over 7,500 tenancy agreements have already been signed via the webstore.

Kojamo and Leanheat Oy, a provider of artificial intelligence solutions for controlling district heating, signed an agreement to use Leanheat's AI-based IoT solution to control the indoor temperature of approximately 26,000 Kojamo-owned apartments. The agreement covers 80 per cent of the housing stock owned by Kojamo.

During the review period, we grew our Lumo business in Finnish growth centres with both newly constructed properties and purchases of existing apartments. We acquired 981 apartments from OP Financial Group's funds during the first half-year and 68 apartments from Henna and Pertti Niemistö Art Foundation ARS FENNICA sr in September. 895 new Lumo apartments were completed during the review period. At the end of the review period, we owned a total of 34,416 apartments. Acquiring and selling apartments is part of our strategy, according to which we will focus on the seven largest growth centres.

Kojamo turns 50 next year. During the jubilee year, we will accelerate service development even further as we aim to provide the best housing customer experience.

Jani Nieminen CEO

OPERATING ENVIRONMENT

General operating environment

As Kojamo operates in the residential real estate sector, the company is affected particularly by the situation on the residential property market and development in the Finnish growth centres. The company is also affected by macro-economic factors, such as economic growth, employment, disposable income, inflation and population growth.

OPERATING ENVIRONMENT KEY FIGURES 2019e 2018e
GDP growth forecast, % 1.7 3.0
Unemployment, % 6.9 7.4
Inflation, % 1.4 1.1

Source: Ministry of Finance Economic survey 9/2018

In the next few years, Finland's economic growth will be supported by both foreign trade and domestic demand. Export growth is expected to become more stable in accordance with the growth

of global trade, with the impact of net export in boosting growth becoming smaller. Household consumption is increased by growth in income levels and increase in employment, but growth in real disposable income is slowed down by accelerating inflation.

According to the forecast by the Ministry of Finance, investment growth will slow down significantly in 2019, due in particular to a decrease in the number of new construction projects started. The continuing relatively rapid GDP growth and modest development in real income maintain the demand for workforce in 2018–2020.

Industry operating environment

INDUSTRY KEY FIGURES 2018 2017
Number of apartments started 44,000*) 43,586
Number of building permits annually 45,000 43,937
Construction costs, % 2.5 0.3
Apartment prices in the whole country, % 0.0 1.5
Apartment prices in the Helsinki Metropolitan Area, % 2.2 2.8
Rents of privately financed apartments, % 2.4 1.7
Sources: Confederation of Finnish Construction Industries RT, Statistics Finland

*) forecast

According to a forecast by Pellervo Economic Research (PTT), development of the housing markets and apartment prices continue to diverge considerably between cities, although the strong construction boom in growth centres and increased supply even out the differences somewhat. Real estate business has picked up along with prices in regions with growing populations.

BUSINESS OPERATIONS

Kojamo is the largest private residential real estate company in Finland measured by fair value of investment properties1 . Kojamo offers rental apartments and housing services for tenants primarily in the Finnish Growth Centres2 . At the end of the review period, Kojamo's property portfolio comprised 34,416 rental apartments. The fair value of Kojamo's investment properties amounted to EUR 5.0 (4.5) billion at the end of the review period, including EUR 0.0 (3.9) million in investment property held for sale. Investment properties include completed apartments, as well as development projects and land areas.

Measured at fair value on 30 September 2018, 98.2 per cent of Kojamo's rental apartments were located in the seven largest Finnish growth centres, 67.0 per cent in the Helsinki region and 83.1 in the Helsinki, Tampere and Turku regions. Kojamo's share of the country's entire rental housing market is about four per cent.

1 KTI Property Information Ltd: The Finnish property market 2018. Investment properties include apartments, ongoing projects, land plots owned by the Company and ownership of certain assets through shares like parking spaces. Fair value represents the fair value of investment properties and includes investment properties classified as non-current assets held for sale.

2 Helsinki, Tampere, Turku, Kuopio and Lahti regions and the cities of Oulu and Jyväskylä.

SEGMENT REPORTING

Kojamo Group's business operations are divided into two segments: Lumo and VVO. On 30 September 2018, the Lumo segment included 33,187 (30,681) apartments and the VVO segment included 1,229 (3,365) apartments. The Lumo segment offers the commercial housing services of Kojamo Group. Most of the apartments in the Lumo segment are not subject to restrictions under arava and/or interest subsidy legislation. The VVO segment offers the non-commercial housing services of Kojamo Group. Most of the apartments in the VVO segment are subject to restrictions under arava and/or interest subsidy legislation. The companies under the VVO business are subject to restrictions on distribution of profit and can distribute to their owner a four per cent return on capital invested as confirmed by the Housing Finance and Development Centre of Finland (ARA).

Kojamo will discontinue segment reporting of the Lumo and VVO segments from the beginning of 2019 due to the decrease of VVO segment.

FINANCIAL DEVELOPMENT JULY−SEPTEMBER 2018

TOTAL REVENUE

Kojamo Group's total revenue during the period July−September 2018 increased to EUR 89.7 (84.0) million. Total revenue of the Lumo segment increased to EUR 86.8 (76.6) million, while the total revenue of the VVO segment decreased to EUR 2.9 (7.7) million. Total revenue is generated entirely by income from rental operations.

RESULT AND PROFITABILITY

The Group's net rental income totalled EUR 64.5 (58.5) million, representing EUR 71.9 (69.6) of total revenue. The Lumo segment recorded a net rental income of EUR 62.6 (54.6) million, and the VVO segment a net rental income of EUR 1.9 (4.0) million.

The Group's profit before taxes was EUR 59.1 (73.4) million. The profit includes EUR 13.4 (33.2) in net valuation gain on the fair value assessment of investment properties and EUR -0.1 (0.2) million profit and loss on sale of investment properties. Profit before taxes and excluding the change in fair value increased by EUR 5.5 million. Financial income and expenses were EUR -10.8 (-10.0) million. Financial income and expenses were EUR 0.9 million higher than in the comparison period due to the significant increase in the amount of interest-bearing liabilities. Financial income and expenses include EUR 0.7 (1.1) million in unrealised changes in the fair value of derivatives.

According to specifications issued by the Finnish Financial Supervisory Authority on 18 June 2018, Kojamo has applied the IFRIC 21 Levies interpretation to property taxes in the 2018 Half Year Financial Report. According to the interpretation, property taxes will be recognised as expenses in the income statement at the time of tax assessment, and they will not be allocated to different quarters of the year. Comparative figures have been adjusted to reflect the current method. The method of recognition does not affect the result for the full financial year or the outlook issued by the company.

FINANCIAL DEVELOPMENT JANUARY−SEPTEMBER 2018

TOTAL REVENUE

Kojamo Group's total revenue during the period January–September 2018 increased to EUR 267.7 (251.3) million. Total revenue of the Lumo segment increased to EUR 259.3 (228.9) million, and the total revenue of the VVO segment decreased to EUR 8.6 (22.8) million. Total revenue is generated entirely by income from rental operations.

The growth in revenue resulted primarily from rental apartments completed in 2017 and during the review period as well as rental apartments acquired at the start of 2018. The decrease in the revenue of the VVO segment resulted from the number of apartments in the segment decreasing according to plan.

RESULT AND PROFITABILITY

Net rental income amounted to EUR 174.0 (159.7) million, representing 65.0 (63.6) per cent of total revenue. The Lumo segment recorded a net rental income of EUR 169.2 (147.9) million and the VVO segment EUR 5.0 (12.2) million. The increase in net rental income resulted primarily from rental apartments completed in 2017 and during the review period as well as rental apartments acquired at the start of 2018.

The Group's profit before taxes amounted to EUR 199.5 (205.4) million. The profit includes EUR 87.5 (100.8) million in net valuation gain on the fair value assessment of investment properties and EUR 0.9 (1.5) million profit and loss on sale of investment properties. Profit before taxes and excluding the change in fair value increased by EUR 7.4 million. Financial income and expenses were EUR -35.0 (-29.3) million. Financial income and expenses include EUR -0.2 (2.6) million in unrealised changes in the fair value of derivatives. Financial income and expenses were EUR 5.7 million higher than in the comparison period due to the significant increase in the amount of interest-bearing liabilities. The profit includes EUR 0.8 million in one-off items related to the listing and IPO arrangements.

According to specifications issued by the Finnish Financial Supervisory Authority on 18 June 2018, Kojamo has applied the IFRIC 21 Levies interpretation to property taxes in the 2018 Half Year Financial Report. According to the interpretation, property taxes will be recognised as expenses in the income statement at the time of tax assessment, and they will not be allocated to different quarters of the year. During the review period, applying the IFRIC 21 increased property tax expenses by EUR 2.6 (2.5) million compared to the earlier method. Comparative figures have been adjusted to reflect the current method. The method of recognition does not affect the result for the full financial year or the outlook issued by the company.

BALANCE SHEET, CASH FLOW AND FINANCING

30 Sept 2018 30 Sept 2017 31 Dec 2017
Balance sheet total, M€ 5,461.2 4,946.1 4,943.5
Equity, M€ 2,303.8 1,985.2 2,038.6
Equity per share, € 9.32 8.65 8.88
Equity ratio, % 42.2 40.2 41.3
Return on equity, % (ROE) 9,8 11.2 10.9
Return on investment, % (ROI) 6.9 7.7 7.5
Interest-bearing liabilities, M€ 2,537.7 2,352.7 2,283.0
Loan to Value, % 46.2 45.9 46.0
Average interest rate of loan portfolio*), % 1.8 2.0 2.0
Average loan maturity, years 5.6 5.7 5.6
Cash and cash equivalents, M€ 229.1 281.2 117.8
*) includes interest derivatives

Kojamo was listed on the Nasdaq Helsinki Stock Exchange in June 2018. In connection with the listing, Kojamo issued 17,665,039 new shares and raised a total of approximately EUR 150 million in gross proceeds. The share issue increased the Group's equity by EUR 146.6 million. The share issue improved the equity ratio by 1.6 percentage points.

EUR 50.0 (50.0) million of the EUR 250 million commercial paper programme was in use at the end of the review period. In addition, the Group has committed credit facilities of EUR 300 million and an uncommitted credit facility of EUR 5 million that remained unused at the period end.

Kojamo plc issued an unsecured EUR 500 million bond on 7 March 2018. The bond is listed on the official list of the Irish Stock Exchange. The unsecured euro-denominated bond has a maturity of seven years and will mature on 7 March 2025. The bond carries a fixed annual coupon of 1.625 per cent.

The company's objective is to increase the share of bond financing and continue shifting to unsecured financing. Of the EUR 500 million bond issued by Kojamo, approximately EUR 300 million was used to repay secured loans.

On 7 March 2018, Kojamo and the European Investment Bank (EIB) signed an unsecured loan agreement in the amount of EUR 95 million. The financing is the second part of the long-term financing of EUR 170 million granted by EIB on 28 November 2016, which will be used to fund the construction of nearly zero-energy buildings (nZEBs). At the end of the review period, the loan was undrawn.

REAL ESTATE PROPERTY AND FAIR VALUE

M€ 30 Sept 2018 30 Sept 2017 31 Dec 2017
Fair value of investment properties at 1 Jan 4,710.2 4,298.9 4,298.9
Acquisition of investment properties 288.3 175.9 338.6
Modernisation investments 15.3 15.2 25.4
Disposals of investment properties -105.5 -77.0 -82.2
Capitalised borrowing costs 2.1 2.6 3.3
Transfer to own use 0.0 0.0 0.0
Valuation gains/losses on fair value measurement 87.5 100.8 126.2
Fair value of investment properties, at the end
of period 4,997.9 4,516.3 4,710.2

Kojamo Group owned a total of 34,416 (34,046) rental apartments at the end of the review period. The Lumo segment accounted for 33,187 (30,681) and the VVO segment for 1,229 (3,365) of these apartments. At the period end, the Group owned apartments in 33 (35) municipalities. The company aims to divest its apartments outside the seven major growth centres in Finland.

At the end of the review period, the plot and real estate development reserve held by the Group totalled approximately 253,000 floor sq m (105,000 floor sq m). At the period end, the fair value of the plot and real estate development reserve (including the so-called Metropolia properties) was EUR 219.6 (44.4) million.

The fair value of the Group's investment properties is determined quarterly based on the company's own evaluation. An external expert gives a statement on the valuation of the Group's investment properties. The latest valuation statement was issued on 30 September 2018. The key criteria for determining fair value are presented in the Notes to the Interim Report.

RENTAL HOUSING

Lumo brand 30 Sept 2018 30 Sept 2017 31 Dec 2017
Number of apartments 32,279 31,815 32,152
Average rent, € per sq m 15.64 15.08 15.17
Average rent, € per sq m, on average 15.52 14.98 15.03
VVO brand 30 Sept 2018 30 Sept 2018 31 Dec 2017
Number of apartments 2,137 2,231 2,231
Average rent, € per sq m 13.72 13.35 13.34

Kojamo responds to the trends of urbanisation, digitalisation and communality in accordance with its strategy, providing its customers with services that make daily life easier, increase the attractiveness of housing and improve the sense of community. Our aim is to develop a networked service platform that will enable agile innovation implementation in cooperation with other operators. Kojamo's properties form the platform to which the new services can easily be connected.

The demand for rental housing remained strong in growth centres during the review period, and the urbanisation trend that supports long-term demand continued. The increased volume of new development in 2017 and 2018 has created a temporary balance between supply and demand, provided more alternatives for rental home seekers locally, and intensified competition for good customers. Studios and one-bedroom apartments continued to be in highest demand during the review period.

The number of tenancy agreements signed via the Lumo webstore increased sharply during the review period, with their total number exceeding 7,500. All Lumo rental apartments that become vacant are available for rent on the Lumo webstore, where customers can choose their preferred apartment.

Rental housing key figures 1-9/2018 1-9/2017 1-12/2017
Financial occupancy rate, % 96.8 96.7 96.7
Tenant turnover rate, excluding internal turnovers, % 21.8 22.1 28.6
Like-for-like rental income growth, % 2.0
Rent receivables in proportion to revenue, % 1.5 1.3 1.4

The financial occupancy rate increased during the third quarter. The increase in occupancy rate was supported by the successful development of rental processes and growing use of the Lumo webstore. At the end of the review period, 60 (232) apartments were vacant due to renovations.

INVESTMENTS, DIVESTMENTS AND REAL ESTATE DEVELOPMENT

Investments, M€ 30 Sept 2018 30 Sept 2017 31 Dec 2017
Acquired investment properties 288.3 175.9 338.6
Modernisation investments 15.3 15.2 25.4
Capitalised borrowing costs 2.1 2.6 3.3
Total 305.8 193.7 367.3
Repair expenses 26.1 27.4 35.6
Number of apartments 30 Sept 2018 30 Sept 2017 31 Dec 2017
Apartments at start of the review period 34,383 34,974 34,974
Divestments -1,842 -1,516 -1,603
Acquisitions 1,049 75 75
Completed 895 559 983
Demolished or altered -69 -46 -46
Apartments at end of review period 34,416 34,046 34,383
Started during review period 378 783 972
Under construction 1,008 1,760 1,525
Estimated completions during the year 1,258 983
Acquisition agreements for new development 1,460 2,761 2,028

The main reason for the decrease in the number of apartments under construction was the completion of apartments during the review period. Of the apartments under construction, 896 (1,394) are in the Helsinki region and 112 (366) in other Finnish growth centres.

Binding acquisition agreements for new develop-

ment
M€ 30 Sept 2018 30 Sept 2017 31 Dec 2017
New construction in progress 57.3 118.0 99.6
Preliminary agreements for new construction 68.4 111.1 101.5

The 981 apartments acquired from OP Financial Group's funds are located in Helsinki, Vantaa, Turku, Jyväskylä, Kuopio, Hämeenlinna, Lahti, Oulu and Naantali. The total gross annual rent for the apartments is EUR 9.7 million. The transaction was announced via stock exchange releases on 7 February 2018 and 5 March 2018.

Lumo Kodit Oy has acquired an apartment building that has 68 apartments at the address Lintulahdenaukio 6, in Sörnäinen, Helsinki. The seller was Henna and Pertti Niemistö Art Foundation ARS FENNICA sr. The debt-free purchase price of the apartments was EUR 18 million and it is estimated that the acquisition will increase Kojamo Group's annual total revenue by around EUR 1 million. The transaction was completed on 28 September 2018.

The divestments completed during the review period were carried out as part of implementing the company strategy of concentrating in the seven largest growth centres in Finland. Of these, 1,594 apartments in 15 locations were sold to a real estate fund managed by the Morgan Stanley Real Estate Investing, Renger Investment Management, and Premico Group. The transaction was completed on 30 April 2018. The debt-free selling price of the housing stock was EUR 97 million, which exceeds the fair value of the properties as stated in Kojamo's financial statements on 31 December 2017 by approximately EUR 5 million. The transaction increased the income tax for the financial year by EUR 13.5 million and reduced deferred tax liabilities by EUR 14.3 million.

Kojamo's goal is to divest the remaining approximately 500 non-strategic apartments over the next two years.

STRATEGIC TARGETS AND ACHIEVEMENTS

Actual 30 Sept
2018 Target 2021
Fair value of investment
properties
EUR 5.0 billion EUR 6.0 billion
Number of apartments 34,416 about 38,000
Equity ratio, % 42.2 > 40
Loan to Value, %
FFO as percentage of total rev
46.2 < 50
enue 30.5*) > 32
Net promoter score 36 40

*) Not adjusted with the change in property tax recognition.

Kojamo's objective is to be a stable dividend payer whose annual dividend payment will be at least 60 per cent of FFO, provided that the Group's equity ratio is 40 per cent or more and taking account of the company's financial position.

SHARES AND SHAREHOLDERS

Issued shares and share capital

Kojamo's share capital on 30 September 2018 was EUR 58,025,136 and the number of shares at the end of the review period totalled 247,144,399.

Kojamo has a single series of shares, and each share entitles its holder to one vote in the general meeting of shareholders of the company. There are no voting restrictions related to the shares. The shares have no nominal value. The company shares belong to the book-entry system.

Kojamo issued 17,665,039 new shares in connection with the listing, corresponding to approximately 7.1 per cent of the total number of outstanding shares in the company after the Initial Public Offering. The final subscription price of the shares was EUR 8.50 per share in the Public Offering and EUR 7.65 per share in the Personnel Offering. The share trading code of the shares is KOJAMO and the ISIN code is FI4000312251.

Trading in the company's share

The trading in Kojamo's shares commenced on the pre-list of Nasdaq Helsinki on 15 June 2018 and on the official list of Nasdaq Helsinki on 19 June 2018.

15 Jun - 30 Sept
Share price and trading*) 2018
Lowest rate, € 8.50
Highest rate, € 9.75
Average rate, € 8.62
Closing rate, € 9.42
Market value of share capital, M€
30 Sept 2018 2,327.1
Share trading, M Units 62.8
Share trading, M€ 541.5

*) Including the sale of shares related to the listing.

Own shares

During or at the end of the review period, Kojamo did not own any of its own shares.

Dividend

In accordance with the Board of Directors' proposal, the Annual General Meeting on 15 March 2018 decided that a dividend of EUR 6.80 per Series A share, or EUR 50,337,408.00 in total, be paid for the financial period of 2017 and EUR 132,103,905.59 be retained in the unrestricted equity.

Shareholders

At the end of the review period, the number of registered shareholders was 3,142, including nominee-registered shareholders. The proportion of nominee-registered and direct foreign shareholders was 23.7 per cent of the company's shares at the period end. The ten largest shareholders owned in aggregate 68.5 per cent of Kojamo's shares at the period end.

The list of Kojamo's shareholders is based on the information given by the Euroclear Finland Ltd (former Finnish Central Securities Depository).

The Board of Directors' authorisations

Kojamo's Board of Directors is authorised to decide on one or more share issues and the issuance of special rights entitling to shares, as referred to in chapter 10, section 1 of the Finnish Limited Liability Companies Act. Share issues and the issuance of special rights entitling to shares can be used to issue a maximum of 1,480,512 new shares in the company or transfer a maximum of 600,978 shares currently held by the company. The authorisation entitles the Board of Directors to derogate from the shareholders' pre-emption right (directed share issue).

Kojamo's Board of Directors is also currently authorised to decide on the repurchase of the company's own shares. The number of own shares to be repurchased is limited to 18,163,555 shares in aggregate, however, it shall not in aggregate exceed 7 per cent of all the shares in the company calculated at the time of the repurchase. Only the unrestricted equity of the company can be used to repurchase own shares on the basis of the authorisation, and the shares can only be repurchased at the price prevailing in public trading on the date of the repurchase or otherwise at the price prevailing on the market. The shares can be repurchased otherwise than in proportion to the shareholdings of the shareholders.

Flagging notifications

Kojamo received a notification pursuant to the Finnish Securities Markets Act from Stichting PGGM Depositary on 21 June 2018. The holding of Stichting PGGM Depositary in Kojamo's shares had risen above 5 per cent on 15 June 2018. According to the notification, PGGM Vermogensbeheer B.V. is the fund manager of the PGGM Listed Real Estate Fund, a Dutch fund for joint account. All assets of the fund are held by Stichting PGGM Depositary (as title holder). Therefore, the shareholder is Stichting PGGM Depositary. After the transaction, Stichting PGGM Depositary held a total of 15,000,000 Kojamo shares, corresponding to 6.07 per cent of Kojamo plc's shares and votes.

GOVERNANCE

Annual General Meeting

The Annual General Meeting of Kojamo plc held on 15 March 2018 adopted the financial statements for the financial year 2017 and discharged the members of the Board of Directors and the CEO from liability as well as elected the members of the Board of Directors and decided on their remuneration. The Annual General Meeting also authorised the Board of Directors to decide on one or more share issues or the issuance of special rights entitling to shares, as referred to in chapter 10, section 1 of the Finnish Limited Liability Companies Act. The minutes of the Annual General Meeting are available at https://kojamo.fi/en/investors/corporate-governance/annualgeneral-meeting/the-annual-general-meetings-2018/.

Extraordinary General Meeting

The Extraordinary General Meeting of Kojamo plc held on 25 May 2018 authorised the Board of Directors to decide on a directed share issue of 30,000,000 new shares and on the repurchase of the company's own shares, amended the Articles of Association, resolved the number of Board members, elected new members to the Board of Directors and decided on the new annual remunerations of the Board members. The minutes of the Extraordinary General Meeting are available at https://kojamo.fi/en/investors/corporate-governance/annual-general-meeting/theannual-general-meetings-2018/.

Board of Directors and auditors

The members of Kojamo's Board of Directors are Riku Aalto (Chairman), Mikko Mursula (Deputy Chairman), Matti Harjuniemi, Anne Leskelä, Minna Metsälä, Reima Rytsölä and Jan-Erik Saarinen. The auditor is KPMG Oy Ab, with Authorised Public Accountant Esa Kailiala as the auditor with principal responsibility.

Board committees

Kojamo's Board of Directors has established two permanent committees, an Audit Committee and a Remuneration Committee. Mikko Mursula (Chairman), Matti Harjuniemi, Anne Leskelä and Jan-Erik Saarinen serve in the Audit Committee. Riku Aalto (Chairman), Minna Metsälä and Reima Rytsölä serve in the Remuneration Committee.

A stock exchange release was issued on 11 September 2018 announcing the composition of Kojamo plc's Nomination Board. Kojamo's three largest shareholders nominated the following members to the Shareholders' Nomination Board: Jouko Pölönen, CEO, Ilmarinen Mutual Pension Insurance Company, Risto Murto, CEO, Varma Mutual Pension Insurance Company, and Timo Korpijärvi, Investment Manager, The Finnish Industrial Union.

Shareholders' Nomination Board is an organ established by the Annual General Meeting consisting of shareholders, with the task of annually preparing and presenting proposals for the General Meeting concerning the number, composition and Chairman of the Board of Directors, remuneration of the Board of Directors and remuneration of the members of the Board Committees.

PERSONNEL

At the end of the review period, Kojamo had a total of 304 (302) employees. The average number of personnel during the period was 325 (310). Employee turnover during the review period was 8.4 per cent (including employees on permanent and temporary contracts). The company hired a total of 50 summer employees this year.

Annual performance bonus and incentive system

Kojamo's employees are included in an annual performance bonus system which is based on the achievement of the company's general targets as well as personal targets.

Kojamo also has a long-term share-based incentive plan for the management. The reward is based on reaching the targets set for Kojamo's key business criteria in relation to the Group's strategic goals. If the three ongoing earning periods were accrued in full, the maximum reward would be a sum corresponding to 333,687 Kojamo shares, of which 50 per cent would be paid in Kojamo's shares and 50 per cent in cash.

SUSTAINABILITY

Pursuing corporate responsibility is integral to Kojamo's operations and corporate culture. Kojamo focuses especially on responsibility towards its customers, its obligations as a contractor as well as clear communication to its shareholders about the company's corporate and social responsibility processes. Kojamo acts transparently and in an ethical manner and also requires responsible operations from its partners.

Kojamo is committed to developing new and modern construction solutions, housing services and ecological innovations related to energy-efficient housing solutions. All of Kojamo's new construction projects utilising own plot reserves will be nearly zero-energy buildings in accordance with FInZEB concepts and guidelines. In addition, Kojamo will focus on managing the energy consumption of the buildings in its portfolio.

Kojamo is involved in several corporate responsibility programmes. After reaching the targets of the Rental Property Action Plan (VAETS) under the Property and Building Sector Energy Efficiency Agreement that ended in 2016, Kojamo joined the agreement's continuation period, VAETS II. Kojamo's energy saving target relating to the Rental Property Action Plan for the period 2017–2025 is to decrease energy consumption by 7.5 per cent from the 2015 level. Kojamo is also the only Finnish real estate company in Climate Leadership Coalition.

The anti-grey economy models used by Kojamo exceed legislative requirements in many respects. The company continuously monitors the fulfilment of contractor obligations for all companies in its supplier network through the Reliable Partner service on the tilaajavastuu.fi website. The taxes and tax-like charges paid by Kojamo in 2017 totalled approximately EUR 104 million.

In October, Kojamo and Leanheat Oy, a provider of artificial intelligence solutions for controlling district heating, have signed an agreement to use Leanheat's AI-based IoT solution to control the indoor temperature of approximately 26,000 Kojamo-owned apartments. The agreement covers 80 per cent of the housing stock owned by Kojamo, which provides rental apartments under the Lumo and VVO brands.

The residents of Lumo homes have an opportunity to enjoy eco-friendly motoring. Anyone living in a Lumo home can reserve a shared car.

Kojamo's sponsorship and grant programme provides financial support for young talents. The programme covers not only individual sports but also team sports. Personal grants are awarded to 12–20-year-old athletes to encourage them in their sporting careers. Those living in Lumo and VVO homes are given priority. In 2018, the sponsored athletes are Anna Haataja (orienteering), Riikka Honkanen (alpine skiing), Joona Kangas (ski slopestyle), Henry Manni (wheelchair racing), Oskari Mörö (athletics), Nooralotta Neziri (athletics) and Emmi Parkkisenniemi (snowboarding). A total of 300 grants have been awarded since 2012.

The recipients of team sponsorship in 2018 are the Helsinki Figure Skating Club's three synchronised skating teams competing at the national championships level (Helsinki Rockettes, Team Fintastic and Finettes), as well as five Academy groups.

NEAR-TERM RISKS AND UNCERTAINTIES

There have been no significant changes in Kojamo's near-term risks and uncertainties during the review period.

Kojamo estimates that the risks and uncertainties in the current financial year are related, first and foremost, to the development of the Finnish economy. The economic development is reflected in both the housing and financial markets. These factors may have an impact on Kojamo's profit and cash flow.

Finland's economic development may bring on fluctuations in housing prices, which could have an impact on the fair value of the Group's real estate property.

The supply of rental apartments may increase locally in the main areas in which Kojamo operates, and the changes in supply and demand could have an impact on the turnover of Kojamo's tenants or the financial occupancy rate and, thereby, rental income.

Disturbances in the financial market may impair the availability and costs of financing. This may influence the financing of Kojamo's growth.

A more detailed description of the risks and uncertainties is presented in the 2017 financial statements.

Helsinki, 5 November 2018

Kojamo plc The Board of Directors

For more information, please contact: Jani Nieminen, CEO of Kojamo, tel. +358 20 508 3201 Erik Hjelt, CFO of Kojamo, tel. +358 20 508 3225

Kojamo will hold a press conference for analysts, investors and media via a live audiocast on Monday, 5 November 2018 at 2:00 p.m. Finnish time.

A recording of the audiocast will be available later at the company's website at https://kojamo.fi/en/investors/releases-and-publications/financial-reports/

The live audiocast of the press conference will be accessible at https://kojamo.videosync.fi/2018 q3-results

You can also participate in the press conference by calling: FI: 09 8171 0310 SE: +46 8566 42651 UK: +44 3333 000 804 US: +1 6319 131 422

EPRA PERFORMANCE MEASURES

7-9/2018 7-9/2017 1-9/2018 1-9/2017 2017
EPRA Earnings, M€ 42.3 34.0 95.8 87.5 117.0
EPRA Earnings per share (EPS), € 0.17 0.15 0.41 0.38 0.51
EPRA Net Asset Value (NAV), M€ 2,814.6 2,495.7 2,548.8
EPRA NAV per share, € 11.39 10.88 11.11
EPRA Triple Net Asset Value (NNNAV), M€ 2,291.1 1,963.8 2,016.8
EPRA NNNAV per share, € 9.27 8.56 8.79
EPRA Net Initial Yield (NIY), % 5.0 5.2 5.2
EPRA 'topped-up' NIY, % 5.0 5.2 5.2
EPRA Vacancy Rate, % 3.2 3.3 3.3
EPRA Cost Ratio (including direct vacancy costs), % 11.2 14.1 15.0 16.0 16.5
EPRA Cost Ratio (excluding direct vacancy costs), % 10.2 12.7 13.2 14.1 14.6
M€ 7-9/2018 7-9/2017 1-9/2018 1-9/2017 2017
Earnings per IFRS income statement 47.6 56.8 158.8 162.0 212.9
(i) Change in value of investment properties, development
properties held for investment and other interests -13.4 -33.2 -87.5 -100.8 -126.2
(ii) Profits or losses on disposal of investment properties,
development properties held for investment and other interest 0.1 -0.2 -0.9 -0.6 -1.6
(iii) Profits or losses on sales of trading properties including
impairment charges in respect of trading properties 0.0 0.0 0.0 0.0
(iv) Tax on profits or losses on disposals 0.1 0.5 15.1 8.8 9.4
(vi) Changes in fair value of financial instruments and associated
close-out costs -0.7 -1.1 0.2 -2.6 -2.7
(viii) Deferred tax in respect of EPRA adjustments 8.6 11.2 10.1 20.7 25.1
EPRA Earnings 42.3 34.0 95.8 87.5 117.0
EPRA Earnings per share (EPS), € 0.17 0.15 0.41 0.38 0.51
M€ 1-9/2018 1-9/2017 2017
NAV per the financial statements 2,303.8 1,985.2 2,038.6
(iv) Fair value of financial instruments 31.5 46.6 42.0
(v.a) Deferred tax 479.3 463.9 468.2
EPRA Net Asset Value (NAV) 2,814.6 2,495.7 2,548.8

EPRA NAV per share, € 11.39 10.88 11.11

M€ 1-9/2018 1-9/2017 2017
EPRA NAV 2,814.6 2,495.7 2,548.8
(i) Fair value of financial instruments -31.5 -46.6 -42.0
(ii) Fair value of debt 1) -12.7 -21.4 -21.8
(iii) Deferred tax -479.3 -463.9 -468.2
EPRA Triple Net Asset Value (NNNAV) 2,291.1 1,963.8 2,016.8
1) Difference betw
een interest-bearing loans and borrow
ings included in
balance sheet at amortised cost, and the fair value of interest bearing loans
and borrow
ings.
EPRA NNNAV per share, € 9.27 8.56 8.79
M€ 1-9/2018 1-9/2017 2017
Investment property 4,997.9 4,516.3 4,710.2
Trading property 0.4 0.6 0.6
Developments -291.1 -279.0 -350.8
Completed property portfolio 4,707.2 4,237.9 4,359.9
Allowance for estimated purchasers' costs 94.1 84.8 87.2
Gross up completed property portfolio valuation B 4,801.4 4,322.7 4,447.1
Annualised cash passing rental income 368.7 346.4 354.7
Property outgoings -129.2 -122.6 -124.2
Annualised net rents A 239.5 223.9 230.5
Notional rent expiration of rent free periods or other lease
incentives - - -
Topped-up net annualised rent C 239.5 223.9 230.5
EPRA Net Initial Yield (NIY), % A/B 5.0 5.2 5.2

EPRA 'topped-up' NIY, % C/B 5.0 5.2 5.2

M€ 1-9/2018 1-9/2017 2017
Estimated rental value of vacant space A 8.5 8.3 11.1
Estimated rental value of the whole portfolio B 263.5 251.3 336.2
EPRA Vacancy Rate, % A/B 3.2 3.3 3.3
M€ 7-9/2018 7-9/2017 1-9/2018 1-9/2017 2017
Include:
(i) Administrative expense line per IFRS income statement 8.0 8.7 28.3 26.7 37.2
(i) Maintenance expense line per IFRS income statement 16.7 15.7 67.6 64.2 85.4
(i) Repair expense line per IFRS income statement 8.6 9.8 26.1 27.4 35.6
(ii) Net service charge costs/fees -1.1 -0.4 -2.5 -1.2 -1.6
(iii) Management fees less actual/ estimated profit element 0.0 0.0 0.0 0.0 0.0
(iv) Other operating income/recharges intended to cover
overhead expenses less any related profits -0.1 0.0 -0.2 -0.1 -0.2
Exclude:
(vii) Ground rent costs -1.0 -0.7 -2.5 -2.3 -3.1
(viii) Service charge costs recovered through rents but not
separately invoiced -24.0 -24.8 -91.1 -89.3 -118.0
EPRA Costs (Including direct vacancy costs) A 7.1 8.2 25.7 25.3 35.2
(ix) Direct vacancy costs -0.7 -0.8 -3.0 -3.0 -4.0
EPRA Costs (Excluding direct vacancy costs) B 6.5 7.4 22.7 22.3 31.2
(x) Gross Rental Income less ground rent costs - per IFRS 87.6 82.9 262.5 247.5 332.0
(xi) Service fee and service charge costs components of Gross
Rental Income -24.0 -24.8 -91.1 -89.3 -118.0
Gross Rental Income C 63.6 58.0 171.4 158.3 214.0
EPRA Cost Ratio (including direct vacancy costs), % A/C 11.2 14.1 15.0 16.0 16.5
EPRA Cost Ratio (excluding direct vacancy costs), % B/C 10.2 12.7 13.2 14.1 14.6

CONDENSED CONSOLIDATED INCOME STATEMENT

M€ Note 7-9/2018 7-9/2017 1-9/2018 1-9/2017 1-12/2017
Total revenue 89.7 84.0 267.7 251.3 337.0
Maintenance expenses -16.7 -15.7 -67.6 -64.2 -85.4
Repair expenses -8.6 -9.8 -26.1 -27.4 -35.6
Net rental income 64.5 58.5 174.0 159.7 216.0
Administrative expenses -8.0 -8.7 -28.3 -26.7 -37.2
Other operating income 0.4 0.4 1.4 1.3 2.0
Other operating expenses -0.1 0.0 -0.3 -1.0 -1.3
Profit/loss on sales of investment properties -0.1 0.2 0.9 1.5 2.5
Profit/loss on sales of trading properties 0.0 0.0 0.0 0.0
Fair value change of investment properties 3 13.4 33.2 87.5 100.8 126.2
Depreciation, amortisation and impairment losses -0.2 -0.3 -0.6 -0.9 -1.1
Operating profit 69.9 83.4 234.5 234.6 307.0
Financial income 1.0 1.4 2.9 3.9 5.0
Financial expenses -11.8 -11.3 -37.9 -33.2 -45.5
Total amount of financial income and expenses -10.8 -10.0 -35.0 -29.3 -40.5
Share of result from associated companies 0.1
Profit before taxes 59.1 73.4 199.5 205.4 266.7
Current tax expense -2.8 -5.4 -30.6 -22.7 -28.6
Change in deferred taxes -8.6 -11.2 -10.1 -20.7 -25.1
Profit for the period 47.6 56.8 158.8 162.0 212.9
Profit for of the financial period attributable to
Owners of the parent company 47.6 56.8 158.8 162.0 212.9
Earnings per share based on profit attributable
to owner of the parent company
Basic, euro 0.19 0.25 0.67 0.71 0.93
Diluted, euro 0.19 0.25 0.67 0.71 0.93
Average number of the shares, M 9 247.1 229.5 236.5 229.5 229.5
Other comprehensive income
Items that may be reclassified subsequently
to profit
Cash flow hedgings 5.6 1.8 11.7 17.3 20.4
Available-for-sale financial assets 0.1 0.2 0.2
Deferred taxes -1.1 -0.4 -2.3 -3.5 -4.1
Items that may be reclassified subsequently
to profit or loss 4.5 1.5 9.3 14.0 16.5
Total comprehensive income for the period 52.1 58.3 168.2 176.0 229.4
Total comprehensive income attributable to
Owners of the parent company 52.1 58.3 168.2 176.0 229.4
M€ Note 30 Sept 2018 30 Sept 2017 31 Dec 2017
ASSETS
Non-current assets
Intangible assets 0.3 0.5 0.4
Investment properties 3 4,997.9 4,512.4 4,706.5
Property, plant and equipment 4 30.6 31.1 31.0
Investments in associated companies 2.0 1.3 1.7
Financial assets 7 0.5 0.5 0.5
Non-current receivables 5.4 6.5 5.3
Derivatives 6, 7 4.3 4.9 6.5
Deferred tax assets 9.0 12.4 10.9
Total non-current assets 5,050.0 4,569.6 4,762.7
Non-current assets held for sale 11 3.9 3.7
Current assets
Trading properties 0.4 0.6 0.6
Derivatives 6, 7 0.4 0.0 0.0
Current tax assets 6.0 11.5 0.5
Trade and other receivables 10.6 7.6 8.8
Financial assets 164.8 71.7 49.3
Cash and cash equivalents 7 229.1 281.2 117.8
Total current assets 411.3 372.6 177.0
TOTAL ASSETS 5,461.2 4,946.1 4,943.5
EQUITY AND LIABILITIES
Equity attributable to owners of the parent company
Share capital 58.0 58.0 58.0
Share issue premium 35.8 35.8 35.8
Fair value reserve -14.9 -26.2 -23.7
Invested non-restricted equity reserve 164.4 17.9 17.9
Retained earnings 2,060.5 1,899.7 1,950.6
Equity attributable to owners of the parent company 2,303.8 1,985.2 2,038.6
Total equity 2,303.8 1,985.2 2,038.6
LIABILITIES
Non-current liabilities
Loans and borrowings 5, 7 2,432.2 2,228.4 2,109.8
Deferred tax liabilities 488.1 474.7 478.3
Derivatives 6, 7 35.8 51.2 48.3
Provisions 0.7 0.8 0.8
Other non-current liabilities 13.9 7.1 14.8
Total non-current liabilities 2,970.7 2,762.3 2,652.0
Current liabilities
Loans and borrowings 5, 7 105.5 124.3 173.2
Derivatives 6, 7 0.3 0.3 0.2
Current tax liabilities 15.2 21.1 9.1
Trade and other payables 65.7 52.9 70.4
Total current liabilities 186.7 198.6 252.9
Total liabilities 3,157.4 2,960.9 2,904.9
TOTAL EQUITY AND LIABILITIES 5,461.2 4,946.1 4,943.5

CONDENSED CONSOLIDATED STATEMENT OF CASH FLOWS

M€ 1-9/2018 1-9/2017 1-12/2017
Cash flow from operating activities
Profit for the period 158.8 162.0 212.9
Adjustments -11.1 -28.8 -33.5
Change in net working capital
Change in trade and other receivables -1.0 -1.1 -0.8
Change in trading properties 0.1 0.3 0.3
Change in trade and other payables 0.0 -0.3 0.1
Interest paid -30.7 -28.1 -39.7
Interest received 0.5 0.4 0.6
Other financial items -7.6 -5.8 -7.4
Taxes paid -30.0 -15.3 -22.1
Net cash flow from operating activities 79.2 83.4 110.4
Cash flow from investing activities
Acquisition of investment properties -310.6 -193.5 -341.9
Acquisition of associated companies -0.3 -0.1 -0.4
Acquisition of property, plant and equipment and intangible assets -0.1 -0.7 -0.8
Proceeds from sale of investment properties 106.6 78.3 84.5
Proceed from sale of property, plant and equipment and intangible assets 0.0
Purchases of financial assets -269.0 -190.0 -322.5
Proceeds from sale of financial assets 153.5 167.6 322.8
Non-current loans, granted -0.2 -1.1 -1.8
Repayments of non-current loan receivables 0.1 1.2 1.3
Interest and dividends received on investments 0.2 0.2 0.3
Net cash flow from investing activities -319.8 -138.1 -258.5
Cash flow from financing activities
Share issue 150.0
Items related to the share issue recorded to equity -4.3
Non-current loans and borrowings, raised 500.0 686.4 686.4
Non-current loans and borrowings, repayments -240.3 -361.0 -434.0
Current loans and borrowings, raised 288.9 194.8 267.8
Current loans and borrowings, repayments -292.1 -286.0 -355.9
Dividends paid -50.3 -50.3 -50.3
Net cash flow from financing activities 352.0 183.9 113.9
Change in cash and cash equivalents 111.3 129.1 -34.2
Cash and cash equivalents in the beginning of period 117.8 152.0 152.0
Cash and cash equivalents at the end of period 229.1 281.2 117.8

CONDENSED CONSOLIDATED STATEMENT OF CHANGES IN EQUITY

Share Fair Invested non Equity attri
butable to
owners of the
Share issue value restricted Retained parent
M€ capital premium reserve equity reserve earnings company Total equity
Equity at 1 Jan 2018 58.0 35.8 -23.7 17.9 1,950.6 2,038.6 2,038.6
Changes to accounting policies -0.5 0.3 -0.2 -0.2
Equity at 1 Jan 2018 58.0 35.8 -24.3 17.9 1,950.9 2,038.3 2,038.3
Comprehensive income
Cash flow hedging 9.3 9.3 9.3
Result for the financial period 158.8 158.8 158.8
Total comprehensive income 9.3 0.0 158.8 168.2 168.2
Transactions with owners
Share issue 150.0 150.0 150.0
Expenses related to the share issue -4.3 -4.3 -4.3
Tax impact of share issue 0.9 0.9 0.9
Discount related to the share issue for personnel 0.2 0.2 0.2
Share based incentive scheme 0.9 0.9 0.9
Dividend payment -50.3 -50.3 -50.3
Total transactions with owners 146.6 -49.3 97.3 97.3
Total change in equity 8.8 146.6 109.8 265.2 265.2
Equity at 30 Sept 2018 58.0 35.8 -14.9 164.4 2,060.5 2,303.8 2,303.8
M€ Share
capital
Share
issue
premium
Fair
value
reserve
Invested non
restricted
equity reserve
Retained
earnings
Equity attri
butable to
owners of the
parent
company
Total equity
Equity at 1 Jan 2017 58.0 35.8 -40.2 17.9 1,788.0 1,859.5 1,859.5
Comprehensive income
Cash flow hedging 13.8 13.8 13.8
Available-for-sale financial assets 0.1 0.1 0.1
Result for the financial period 164.0 164.0 164.0
Total comprehensive income 14.0 164.0 178.0 178.0
Transactions with owners
Dividend payment -50.3 -50.3 -50.3
Total transactions with owners -50.3 -50.3 -50.3
Total change in equity 14.0 113.7 127.6 127.6
Equity at 30 Sept 2017 58.0 35.8 -26.2 17.9 1,901.7 1,987.1 1,987.1
Equity attri
butable to
Share Fair Invested non owners of the
Share issue value restricted Retained parent
M€ capital premium reserve equity reserve earnings company Total equity
Equity at 1 Jan 2017 58.0 35.8 -40.2 17.9 1,788.0 1,859.5 1,859.5
Comprehensive income
Cash flow hedging 16.3 16.3 16.3
Available-for-sale financial assets 0.1 0.1 0.1
Result for the financial year 212.9 212.9 212.9
Total comprehensive income 16.5 212.9 229.4 229.4
Transactions with owners
Dividend payment -50.3 -50.3 -50.3
Total transactions with owners -50.3 -50.3 -50.3
Total change in equity 16.5 162.6 179.1 179.1
Equity at 31 Dec 2017 58.0 35.8 -23.7 17.9 1,950.6 2,038.6 2,038.6

CONDENSED NOTES

Basic information about the Group

Kojamo plc is Finland's largest market-based, private housing investment company that offers rental apartments and housing services in Finnish growth centres. Its range of apartments is extensive. On 30 September 2018, Kojamo owned 34,416 rental apartments across Finland.

The Group's parent company, Kojamo plc, is a Finnish public company domiciled in Helsinki. Its registered address is Mannerheimintie 168a, 00300 Helsinki, Finland.

Kojamo's business operations are divided into two segments: Lumo and VVO. There are a total of 33,187 Lumo apartments and 1,229 VVO apartments. Kojamo will abandon the division between the Lumo and VVO segments from the beginning of 2019.

Trading in Kojamo's shares began on the pre-list of Nasdaq Helsinki on 15 June 2018 and on the official list of Nasdaq Helsinki on 19 June 2018. In addition, a bond issued by Kojamo in 2016 is listed on Nasdaq Helsinki Ltd. Two other bonds issued by the company have been listed on the official list of the Irish Stock Exchange. The Group has chosen Finland as its home state for the disclosure of periodic information pursuant to Chapter 7, Section 3 of the Finnish Securities Market Act.

At its meeting on 5 November 2018, Kojamo plc's Board of Directors approved this Interim Report for publication.

1. ACCOUNTING POLICIES

Basis for preparation

These interim financial statements were prepared in accordance with IAS 34 Interim Financial Reporting as well as by applying the same accounting policies as in the previous annual financial statements, excluding the exceptions described below. The figures of the interim financial statements have not been audited.

The figures for 2017 are based on Kojamo plc's audited financial statements for 2017. The bracketed figures refer to the corresponding period in 2017, and the comparison period is the corresponding period the year before, unless otherwise stated.

The preparation of interim financial statements in accordance with IFRS requires application of judgement by Kojamo's management to make estimates and assumptions that affect the reported amounts of assets and liabilities on the balance sheet date and the reported amounts of income and expenses for the period. Management must also make judgements when applying the accounting policies of the Group. Actual results may differ from the estimates and assumptions used. The most significant items of these interim financial statements where judgement has been applied by management, as well as the assumptions about the future and other key uncertainty factors in estimates at the end of the reporting period which create a significant risk of change in the carrying amounts of Kojamo's assets and liabilities within the next financial year, are the same as those presented in the consolidated financial statements for the 2017 financial year. Of these, the most important are the determination of the fair values of investment properties and financial instruments.

Kojamo has adopted IFRS 15 Revenue from Contracts with Customers on 1 January 2018. Due to the nature of the company's business, the change of the standard will not have a material impact

IFRS 9 Financial Instruments replaces the existing standard IAS 39 Financial Instruments: Recognition and Measurement. IFRS 9 includes revised guidance on the classification and measurement of financial instruments. This also covers a new expected credit loss model for determining impairment of financial assets. Kojamo began to apply the standard as of 1 January 2018 and will not apply it retrospectively.

These changes in accounting policies are described in more detail in Note 12.

Kojamo has begun to apply the IFRIC 21 Levies interpretation to property tax recognition for the financial year. Comparative figures have been adjusted to reflect the current method. The method of recognition does not affect the result for the full financial year or the outlook issued by the company.

Kojamo plc's incentive plans were converted into share-based plans during the half year reporting period. The performance criteria or the targets set for each criterion will not change. If the three ongoing earning periods were accrued in full, the maximum bonus would be a sum corresponding to 333,687 Kojamo shares, of which 50 per cent would be paid in Kojamo's shares and 50 per cent in cash.

Group Kojamo Group
Lumo VVO consolidation Total
M€ 1-9/2018 1-9/2018 methods 1-9/2018
Rental income 256.5 8.5 0.1 265.0
Other property income 2.7 0.1 -0.1 2.7
Internal income 0.1 0.0 -0.2
Total revenue 259.3 8.6 -0.2 267.7
Maintenance expenses -65.2 -2.4 0.0 -67.6
Repair expenses -24.9 -1.2 -26.1
Net rental income 169.2 5.0 -0.2 174.0
Administrative expenses -27.4 -1.1 0.2 -28.3
Other operating income 1.4 0.0 1.4
Other operating expenses -0.4 0.0 -0.3
Profit/loss on sales of
investment properties 1.8 -0.9 0.9
Profit/loss on sales of
trading properties 0.0 0.0
Fair value change of investment properties 87.5 87.5
Depreciation, amortisation and impairment losses -0.6 -0.6
Operating profit / loss 231.5 4.0 -0.9 234.5
Financial income 2.9
Financial expenses -37.9
Total amount of financial income and expenses -35.0
Profit before taxes 199.5
Current tax expense -30.6
Change in deferred taxes -10.1
Profit/loss for the period 158.8
Investments 305.4 0.4 305.8
Investment properties 4,942.8 55.1 0.0 4,997.9
Investments in associated companies 2.0 2.0
Cash and cash equivalents 228.9 0.2 229.1
Other assets 238.0 11.3 -17.1 232.2
Total assets 5,411.7 66.7 -17.1 5,461.2
Interest bearing liabilities 2,515.1 39.3 -16.7 2,537.7
Other liabilities 613.6 6.2 -0.1 619.7
Total liabilities 3,128.7 45.5 -16.8 3,157.4
Group Kojamo Group
Lumo VVO consolidation Total
M€ 1-9/2017 1-9/2017 methods 1-9/2017
Rental income 227.1 22.6 0.2 249.9
Other property income 1.4 0.2 -0.2 1.4
Internal income 0.4 0.1 -0.5
Total revenue 228.9 22.8 -0.5 251.3
Maintenance expenses -58.1 -6.1 0.0 -64.2
Repair expenses -22.9 -4.5 -27.4
Net rental income 147.9 12.2 -0.4 159.7
Administrative expenses -24.3 -2.8 0.4 -26.7
Other operating income 1.2 0.1 1.3
Other operating expenses -1.1 0.0 0.0 -1.0
Profit/loss on sales of
investment properties 1.5 1.5
Profit/loss on sales of
trading properties 0.0 0.0
Fair value change of investment properties 100.8 0.0 100.8
Depreciation, amortisation and impairment losses -0.9 -0.9
Operating profit / loss 225.1 9.5 0.0 234.6
Financial income 3.9
Financial expenses -33.2
Total amount of financial income and expenses -29.3
Profit before taxes 205.4
Current tax expense -22.7
Change in deferred taxes -20.7
Profit/loss for the period 162.0
Investments 193.5 0.2 193.7
Investment properties 4,386.7 124.8 0.9 4,512.4
Investments in associated companies 1.3 1.3
Non-current assets held for sale 3.9 3.9
Cash and cash equivalents 233.7 47.4 281.2
Other assets 214.6 13.9 -81.2 147.3
Total assets 4,840.2 186.1 -80.3 4,946.1
Interest bearing liabilities 2,307.3 125.5 -80.1 2,352.7
Other liabilities 594.5 13.8 -0.1 608.2
Total liabilities 2,901.8 139.4 -80.3 2,960.9
Group Kojamo Group
Lumo VVO consolidation Total
M€ 1-12/2017 1-12/2017 methods 1-12/2017
Rental income 304.8 30.0 0.3 335.1
Other property income 1.9 0.2 -0.3 1.9
Internal income 0.5 0.1 -0.6 0.0
Total revenue 307.2 30.4 -0.6 337.0
Maintenance expenses -77.3 -8.1 0.1 -85.4
Repair expenses -28.7 -6.9 -35.6
Net rental income 201.2 15.4 -0.6 216.0
Administrative expenses -34.1 -3.7 0.6 -37.2
Other operating income 1.9 0.1 2.0
Other operating expenses -1.3 0.0 -1.3
Profit/loss on sales of
investment properties 2.5 2.5
Profit/loss on sales of
trading properties 0.0 0.0
Fair value change of investment properties 126.2 0.0 126.2
Depreciation, amortisation and impairment losses -1.1 -1.1
Operating profit / loss 295.2 11.8 0.0 307.0
Financial income 5.0
Financial expenses -45.5
Total amount of financial income and expenses -40.5
Share of result from associated companies 0.1
Profit before taxes 266.7
Current tax expense -28.6
Change in deferred taxes -25.1
Profit/loss for the yesr 212.9
Investments 367.0 0.3 367.3
Investment properties 4,580.7 124.9 0.9 4,706.5
Investments in associated companies 1.7 1.7
Non-current assets held for sale 3.7 3.7
Cash and cash equivalents 44.6 73.2 117.8
Other assets 204.7 13.5 -104.5 113.8
Total assets 4,835.5 211.6 -103.6 4,943.5
Interest bearing liabilities 2,237.7 148.7 -103.4 2,283.0
Other liabilities 607.5 14.6 -0.2 621.9
Total liabilities 2,845.1 163.4 -103.6 2,904.9

Revenue from contracts with customers by segment:

M€ Lumo
1-9/2018
VVO
1-9/2018
Group
consolidation
methods
Kojamo Group
Total
1-9/2018
Rental income 256.6 8.5 -0.1 265.0
Water fees 1.9 0.0 1.9
Sauna fees 0.5 0.0 0.5
Group Kojamo Group
Lumo VVO consolidation Total
M€ 1-9/2017 1-9/2017 methods 1-9/2017
Rental income 227.5 22.7 -0.3 249.9
Water fees 0.6 0.6
Sauna fees 0.5 0.1 0.6
Group Kojamo Group
Lumo VVO consolidation Total
M€ 1-12/2017 1-12/2017 methods 1-12/2017
Rental income 305.3 30.1 -0.3 335.1
Water fees 0.9 0.0 0.9
Sauna fees 0.6 0.1 0.7

3. INVESTMENT PROPERTIES

M€ 30 Sept 2018 30 Sept 2017 31 Dec 2017
Fair value of investment properties, at 1 Jan 4,710.2 4,298.9 4,298.9
Acquisition of investment properties 288.3 175.9 338.6
Modernisation investments 15.3 15.2 25.4
Disposals of investment properties -105.5 -77.0 -82.2
Capitalised borrowing costs 2.1 2.6 3.3
Transfer to own use 0.0 0.0 0.0
Valuation gains/losses on fair value measurement 87.5 100.8 126.2
Fair value of investment properties, at the end of period 4,997.9 4,516.3 4,710.2

Value development of investment property results from investments, changes in market prices and parameters used in valuation, as well as from the expiration of restrictions on some properties.

Some of the investment properties are subject to legislative divestment and usage restrictions. Usage and divestment restrictions are mainly related to balance sheet value properties and usage restrictions to yield value properties. The socalled non-profit restrictions apply to the owning company, and the so-called property-specific restrictions apply to the investment owned. The non-profit restrictions include, among other things, permanent restrictions on the company's operations, distribution of profit, lending, and provision of collateral. The property-specific restrictions include fixed-term restrictions on the use of apartments, the selection of residents, the determination of rent and the divestment of apartments.

Measurement principles of investment property

Investment property is measured initially at its acquisition cost, including related transaction costs. Subsequently it is measured at fair value, and the resulting changes in fair values are recognised in profit or loss as they arise. Fair value refers to the price that would be received from selling an asset, or paid for transferring a liability, in an ordinary transaction between market participants on the measurement date.

The fair value of investment property determined by Kojamo is based on transaction value, income value and cost.

Transaction value (market value)

Properties in which apartments can be sold by Kojamo without restrictions are measured using transaction value. The value as of the measurement date is based on actual sales prices of comparable apartments for the two preceding years. Comparability is assessed based on location, year of completion, building type and apartment type. The source of market data applied by Kojamo is the price tracking service provided by the Central Federation of Finnish Real Estate Agencies (KVKL), including pricing information on sales of individual apartments in Finland provided by real estate agents. If necessary, the resulting transaction value is individually adjusted based on the condition (e.g. public facade, plumbing and roof renovations), location and other characteristics of the property.

Reductions and additions on transaction prices for the

properties measured at market value
Rental house reduction -5 %
Reduction based on the company structure of the property -4 %
Variables based on the location and condition of the building -30% - +25%
Variables based on the condition of the apartment -20% - +10%
Reduction based on the method of sale (outside growth centers) -30 %
Facade and HVAC repairs (planned -%; recently completed +%) -15% - +8%

Income value (yield value)

Yield value is applied when a property is required to be kept in rental use based on state-subsidised loans (so-called ARAVA loans) or interest subsidy loans, and it can be sold only as a whole property and to a restricted group of buyers. In the yield value method, the fair value is determined by capitalising net rental income, using a property-specific required rate of net rental income. The method also considers the impact of future renovations and the present value of any interest subsidies.

Cost (balance sheet value)

Kojamo estimates that the acquisition cost of properties under construction, interest subsidised (long-term) rental properties and state-subsidised rental properties (so-called ARAVA properties) approximate their fair values. Statesubsidised and interest subsidised (long-term) rental properties are carried at original acquisition cost, deducted by the depreciation accumulated up to the IFRS transition date and any impairment losses.

Fair value of investment properties by valuation class

M€ 30 Sept 2018 30 Sept 2017 31 Dec 2017
Properties measured at market value 4,227.2 3,595.0 3,787.1
Properties measured at yield value 312.5 462.0 395.3
Properties measured at cost 458.2 459.4 527.8
Total 4,997.9 4,516.3 4,710.2
Sensitivity analysis of investment properties 30 Sept 2018
Change % -10 % -5 % 0 % 5 % 10 %
Properties measured at market values
Change in market prices (M€) -422.7 -211.4 211.4 422.7
Properties measured at yield values
Yield requirement (M€) 34.4 16.3 -14.8 -28.2
Rental income (M€) -53.3 -26.6 26.6 53.3
Maintenance expenses (M€) 20.0 10.0 -10.0 -20.0
Financial occupancy rate for properties measured at yield value
(change in percentage points) -2 % -1 % 0 % 1 % 2 %
Rental income (M€) -0.8 -0.4 0.4 0.8
Sensitivity analysis of investment properties 30 Sept 2017
Change % -10 % -5 % 0 % 5 % 10 %
Properties measured at market values
Change in market prices (M€) -359.5 -179.7 179.7 359.5
Properties measured at yield values
Yield requirement (M€) 50.8 24.1 -21.8 -41.6
Rental income (M€) -75.8 -37.9 37.9 75.8
Maintenance expenses (M€) 26.8 13.4 -13.4 -26.8
Financial occupancy rate for properties measured at yield value
(change in percentage points) -2 % -1 % 0 % 1 % 2 %
Rental income (M€) -1.4 -0.7 0.7 1.4
Sensitivity analysis of investment properties 31 Dec 2017
Change % -10 % -5 % 0 % 5 % 10 %
Properties measured at market values
Change in market prices (M€) -378.7 -189.4 189.4 378.7
Properties measured at yield values
Yield requirement (M€) 43.7 20.7 -18.7 -35.7
Rental income (M€) -66.9 -33.5 33.5 66.9
Maintenance expenses (M€) 25.2 12.6 -12.6 -25.2
Financial occupancy rate for properties measured at yield value
(change in percentage points) -2 % -1 % 0 % 1 % 2 %
Rental income (M€) -0.8 -0.4 0.4 0.8

All of Kojamo's investment properties are classified in the fair value hierarchy level 3 in accordance with IFRS 13. Hierarchy level 3 includes assets, the fair value of which is measured using input data concerning the asset that are not based on observable market data.

The weighted average for the return requirement was 6.1 (6.0) per cent for the 3,047 (4,196) rental homes included within the scope of the yield value method in 2018, and 9.3 (9.4) per cent for the 417 (428) business premises.

4. PROPERTY, PLANT AND EQUIPMENT

M€ 30 Sept 2018 30 Sept 2017 31 Dec 2017
Book value, beginning of period 31.0 31.0 31.0
Increases 0.1 0.6 0.7
Decreases 0.0
Depreciations for accounting period -0.5 -0.5 -0.7
Book value, end of period 30.6 31.1 31.0

Property, plant and equipment consist of assets held and used by the company, mainly buildings and land areas, as well as machinery and equipment.

5. INTEREST-BEARING LIABILITIES

M€ 30 Sept 2018 30 Sept 2017 31 Dec 2017
Interest subsidy loans 133.9 259.4 187.7
Annuity loans 0.4 0.4 0.4
Bonds 1,289.2 793.5 793.8
Loans from financial institutions 1,006.4 1,172.5 1,125.3
Other liabilities 2.4 2.6 2.6
Total 2,432.2 2,228.4 2,109.8
Current
M€ 30 Sept 2018 30 Sept 2017 31 Dec 2017
Interest subsidy loans 23.2 24.3 64.8
Annuity loans 0.1 0.1 0.1
Loans from financial institutions 25.5 43.1 48.4
Other liabilities 6.7 6.9 7.0
Commercial papers 50.0 50.0 52.9
Total 105.5 124.3 173.2

The average interest rate of the loan portfolio was 1.8 (2.0) per cent, including interest rate derivatives. The average maturity of loans at the period end was 5.6 (5.7) years.

Kojamo plc issued an unsecured EUR 500 million bond on 7 March 2018. The bond has been approved for listing on the official list of the Irish Stock Exchange. The unsecured eurodenominated bond has a maturity of seven years and will mature on 7 March 2025. The bond carries a fixed annual coupon of 1.625 per cent.

6. DERIVATIVE INSTRUMENTS

Fair values of derivative instruments

30 Sept 2018 30 Sept 2017 31 Dec 2017
M€ Positive Negative Net Net Net
Interest rate derivatives
Interest rate swaps, cash flow hedges 3.6 -28.4 -24.8 -37.9 -33.3
Interest rate swaps, not in hedge accounting 0.1 -7.7 -7.6 -8.5 -8.7
Interest rate options, not in hedge accounting 0.0 0.0
Electricity derivatives 0.9 0.0 0.9 -0.1 0.0
Total 4.6 -36.1 -31.5 -46.6 -42.0

Nominal values of derivative instruments

M€ 30 Sept 2018 30 Sept 2017 31 Dec 2017
Interest rate derivatives
Interest rate swaps, cash flow hedges 827.4 990.8 1,439.0
Interest rate swaps, not in hedge accounting 48.9 48.0 44.8
Interest rate options, not in hedge accounting 76.7 63.1
Total 876.4 1,115.5 1,546.9
Electricity derivatives, MWh 180,944 168,762 183,957

During the reporting period, EUR 11.7 (17.3) million were recognised in the fair value reserve from interest rate derivatives classified into cash flow hedging. The interest rate derivatives are used to hedge the loan portfolio's interest cash flows against increases in market interest rates. The interest rate derivatives mature between 2019 and 2035. At the end of the review period, the average maturity for interest rate swaps was 6.5 (6.4) years. Electricity derivatives hedge against increases in electricity prices and mature between 2018 and 2022. Electricity derivatives are not included in hedge accounting.

7. FAIR VALUES OF FINANCIAL INSTRUMENTS

30 Sept 2018
Carrying value
M€ total LEVEL 1 LEVEL 2 LEVEL 3 Fair value total
Financial assets
Measured at fair value
Interest rate derivatives 3.7 3.7 3.7
Electricity derivatives 0.9 0.9 0.9
Investments at fair value through profit and loss 165.3 145.8 19.0 0.5 165.3
Measured at amortised cost
Cash and cash equivalents 229.1 229.1 229.1
Trade receivables 7.8 7.8
Financial liabilities
Measured at fair value
Interest rate derivatives 36.1 36.1 36.1
Electricity derivatives 0.0 0.0 0.0
Measured at amortised cost
Other interest-bearing liabilities 1,248.5 1,246.4 1,246.4
Bonds 1,289.2 1,304.0 1,304.0
Trade payables 12.9 12.9
31 Dec 2017
Carrying value
M€ total LEVEL 1 LEVEL 2 LEVEL 3 Fair value total
Financial assets
Measured at fair value
Interest rate derivatives 6.3 6.3 6.3
Electricity derivatives 0.2 0.2 0.2
Available-for-sale financial assets 46.6 44.1 2.0 0.5 46.6
Measured at amortised cost
Loans and receivables 23.2 23.2 23.2
Trade receivables 6.7 6.7
Financial liabilities
Measured at fair value
Interest rate derivatives 48.3 48.3 48.3
Electricity derivatives 0.2 0.2 0.2
Measured at amortised cost
Other interest-bearing liabilities 1,489.3 1,489.8 1,489.8
Bonds 793.8 800.0 800.0
Trade payables 20.0 20.0

The fair value of floating-rate loans is the same as their nominal value as the loan margins are the same as the margins on new loans. The fair value of other fixed rate loans is based on discounted cash flows using market rates as input data.

Financial assets and liabilities measured at fair value are classified into three fair value hierarchy levels in accordance with the reliability of the valuation technique:

Level 1:

The fair value is based on quoted prices for identical instruments in active markets.

Level 2:

A quoted market price exists in active markets for an instrument on the same terms, but the price may be derived from directly or indirectly quoted market data.

Level 3:

There is no active market for the instrument, the fair value cannot be reliably derived and input data used for the determination of fair value is not based on observable market data.

Level 3 reconciliation

M€ 30 Sept 2018
31 Dec 2017 0.5
Changes in fair value 0.1
30 Jun 2018 0.5
M€ 31 Dec 2017
Beginning of period 0.6
Change -0.1
End of period 0.5

Investments measured at fair value through profit and loss on hierarchy level 3 are investments in unlisted securities.

8. ISSUANCE OF EQUITY INSTRUMENTS

Kojamo was listed on the Nasdaq Helsinki Stock Exchange in June 2018. In connection with the listing, Kojamo issued 17,665,039 new shares and raised a total of approximately EUR 150 million in gross proceeds. The share issue increased the Group's equity by EUR 146.6 million. Kojamo's expenses related to the listing at the end of September 2018 amounted to EUR 4.9 million, of which EUR 4.3 million was recognised as items related to the share issue in the invested non-restricted equity reserve in exchange for the assets received, deducted by a EUR 0.9 million deferred tax liability. In connection with the listing, the Group employees subscribed to 179,800 shares in the Personnel Offering. The final offer price in the Personnel Offering, EUR 7.65, was 10 per cent lower than the final offer price in the public offering. The total discount received by the personnel, EUR 152,830.00, has been recorded as a share-based payment in other personnel expenses, in accordance with IFRS, with a corresponding entry to equity.

9. EARNINGS PER SHARE

1-9/2018 1-9/2017 1-12/2017
Profit for of the financial period attributable to owners
of the parent company, M€ 158.8 162.0 212.9
Weighted average number of shares, millions 236.5 229.5 229.5
Basic earnings per share, € 0.67 0.71 0.93
Diluted earnings per share, € 0.67 0.71 0.93

10. GUARANTEES, COMMITMENTS AND CONTINGENT LIABILITIES

M€ 30 Sept 2018 30 Sept 2017 31 Dec 2017
Loans and borrowings covered by pledges on
property and shares as a collateral 1,419.4 1,730.3 1,656.9
Mortgages 1,528.5 1,938.4 1,851.1
Shares*) 257.1 282.2 276.9
Pledged collaterals total 1,785.7 2,220.6 2,127.9
Other collaterals given
Mortgages and shares 32.6 5.9 32.0
Guarantees**) 335.7 388.4 373.4
Pledged deposits
Other collaterals total 368.3 394.3 405.4

*) Pledged mortgages and shares relate in some cases to same real estates.

**) Guarantees given are mainly absolute guarantees granted as collateral for group companies' loans and property pledges have also been given as collateral for these loans.

Other off-balance sheet liabilities

Unrecognised acquisition agreements related to work in progress:

11. NON-CURRENT ASSETS HELD FOR SALE

M€ 30 Sept 2018 30 Sept 2017 31 Dec 2017
Investment properties 3.9 3.7

Non-current assets held for sale in 2017 include two individual plots. There were no non-currentassets held for sale in the September 2018 balance sheet.

The investment properties are subsequently measured at fair value in the interim report (fair value hierarchy level 3).

12. CHANGES TO ACCOUNTING POLICIES (IFRS 9)

As of 1 January 2018, Kojamo applied the new IFRS 9 Financial Instruments, which replaces the previous IAS 39 Financial Instruments: Recognition and Measurement. In accordance with IFRS 9, financial assets and liabilities are classified based on the nature of cash flows and the business models specified for the assets and liabilities.

The Group has classified its financial assets as financial assets recognised at amortised cost, financial assets recognised at fair value through profit and loss, as well as financial assets recognised at fair value through other comprehensive income, which only include derivative instruments included in hedge accounting.

The classification changes are presented in the following table:

Classification Classification Carrying value Carrying value
M€ IAS 39 IFRS 9 31 Dec 2017 1 Jan 2018
Financial assets
Cash Loans and receivables Amortised cost 20.1 20.1
Investments
Funds Available-for-sale financial assets Fair value recognised in profit or loss 46.1 46.1
Loans and receivables Loans and receivables Fair value recognised in profit or loss 3.1 3.1
Other shares Available-for-sale financial assets Fair value recognised in profit or loss 0.5 0.5
Financial assets total 69.8 69.9

Regarding derivatives, the changes had no impact on the measurement principles.

Kojamo applies the following principles to the classification of financial assets and liabilities and their recognition, derecognition and measurement. The fair value hierarchy related to the fair value determination of financial assets and liabilities is similar to the hierarchy described in the Fair value hierarchy note to the consolidated financial statements.

Financial assets and liabilities have been classified as follows for the determination of measurement principles:

Financial asset group Instruments Measurement principle
1. Financial assets recog
nised at fair value through
profit or loss
a) Investments in unlisted se
curities
b) Investments in other in
struments with a reliably de
terminable fair value: fund in
vestments and investments
in bonds
c) Derivative instruments:
interest rate and electricity,
non-hedge accounting
Fair value, changes in value are
recognised in the income state
ment
2. Financial assets recog
nised at amortised cost
Sales and loan receivables,
fixed-term deposits and simi
lar receivables
Amortised cost
3. Financial assets recog
nised at fair value through
other comprehensive income
Derivative instruments,
hedge accounting
Fair value, changes in value
through other comprehensive in
come
Financial liability group Instruments Measurement principle
1. Financial liabilities recog
nised at fair value through
profit and loss
Derivative instruments:
interest rate and electricity,
non-hedge accounting
Fair value, changes in value are
recognised in the income state
ment
2. Financial liabilities meas
ured at amortised cost
(other financial liabilities)
Various debt instruments Amortised cost
3. Financial liabilities recog
nised at fair value through
other comprehensive income
Derivative instruments,
hedge accounting
Fair value, changes in value
through other comprehensive in
come

Financial assets recognised at fair value through profit or loss

Kojamo uses derivative instruments only for hedging purposes. Those derivative instruments that do not meet the requirements of IFRS 9 Financial Instruments concerning the application of hedge accounting, or instruments to which Kojamo has decided not to apply hedge accounting, are included in financial assets or liabilities recognised at fair value through profit and loss. These instruments are classified as held for trading.

Financial assets recognised at amortised cost

Financial assets recognised at amortised cost are non-derivative financial assets with fixed or determinable payments. They are solely related to payments of principal and interest, and they are not held for trading. Financial assets obtained by handing over cash, goods or services directly to a debtor are recognised at amortised cost. Kojamo's financial assets recognised at amortised cost consist of trade and other receivables.

Financial liabilities recognised at fair value through profit and loss

Financial liabilities recognised at fair value through profit and loss include electricity derivatives and those interest rate derivatives that are not subject to hedge accounting in accordance with IFRS 9. Realised and unrealised gains and losses from changes in fair value are recognised in the income statement in the period in which they arise.

Financial liabilities measured at amortised cost (other financial liabilities)

Financial liabilities measured at amortised cost are initially recognised at fair value. Transaction costs directly attributable to the acquisition of loans and borrowings, such as arrangement fees that can be allocated to a particular liability, are deducted from the original amortised cost of the liability. Other financial liabilities are subsequently measured at amortised cost using the effective interest method. Any difference between the proceeds and the redemption value is recognised as financial cost through profit and loss over the period of borrowings.

Derivative instruments and hedge accounting

Kojamo uses interest rate derivatives to hedge its exposure to changes in future interest payment cash flows concerning non-current loans and borrowings. The majority of interest rate derivatives are subject to cash flow hedge accounting in accordance with IFRS 9, in which case changes in fair value are recognised in other comprehensive income. Fluctuations in Kojamo's result caused by changing electricity prices are restricted by using electricity derivatives. Electricity derivatives are not subject to hedge accounting in accordance with IFRS 9, even though these instruments are used for hedging.

Impairment of financial assets

The assessment of credit losses recognised in accordance with IFRS 9 is based on expected credit losses. The method takes into account a possible increase in credit risk. The impairment model is applied to financial assets recognised at amortised cost, the most significant item being trade receivables.

Impairment loss is immediately recognised in the income statement. If the value is later restored, the reversal of the impairment is recognised in equity for equity instruments and through profit or loss for other investments. The impairment model is based on credit losses estimated on the basis of experience. The change had no material impact on the opening balance.

13. NEW AND REVISED STANDARDS AND INTERPRETATIONS TO BE APPLIED IN SUBSEQUENT FINANCIAL YEARS

Kojamo has assessed the impact of the adoption of IFRS 16 Leases. Leases for plots of land, which are currently accounted for as operating leases in accordance with IAS 17, will be included in the consolidated balance sheet under the new standard. Kojamo will adopt the standard as of 1 January 2019, resulting in an increase of approximately EUR 61 million in the value of the Group's investment properties and non-current liabilities, based on the current estimate.

Kojamo has assessed the impact of IFRIC 23 Uncertain tax positions. Interpretation will become effective as of 1 January 2019 and is estimated to have no impact on Kojamo's consolidated financial statements.

KEY FIGURES, THE FORMULAS USED IN THEIR CALCULATION, AND RECONCILIATION CALCULATIONS IN ACCORDANCE WITH ESMA GUIDELINES

Formula 7-9/2018 7-9/2017 1-9/2018 1-9/2017 2017
Total revenue, M€ 89.7 84.0 267.7 251.3 337.0
Net rental income, M€ *) 1 64.5 58.5 174.0 159.7 216.0
Net rental income margin, % *
)
2 71.9 69.6 65.0 63.6 64.1
Profit before taxes, M€ *
)
3 59.1 73.4 199.5 205.4 266.7
EBITDA, M€ *
)
4 70.1 83.7 235.1 235.5 308.2
EBITDA margin, % *
)
5 78.2 99.5 87.9 93.7 91.5
Adjusted EBITDA, M€ *
)
6 56.8 50.2 146.8 133.2 179.5
Adjusted EBITDA margin, %*
)
7 63.3 59.7 54.8 53.0 53.3
Funds From Operations (FFO), M€ *
)
8 42.3 33.8 81.8 78.7 107.8
FFO margin, % *
)
9 47.1 40.2 30.5 31.3 32.0
FFO per share, € *) 3) 10 0.17 0.15 0.35 0.34 0.47
FFO excluding one-off items, M€ *
)
11 42.2 33.8 82.6 78.7 107.8
Adjusted Funds From Operations (AFFO), M€ *
)
12 35.7 26.3 66.4 63.5 82.3
Operative result, M€*
)
13 36.3 29.3 87.9 78.0 107.6
Investment properties, M€ 2) 4,997.9 4,516.3 4,710.2
Financial occupancy rate, % 20 96.8 96.7 96.7
Interest-bearing liabilities, M€ 1) *) 14 2,537.7 2,352.7 2,283.0
Return on equity, % (ROE)*
)
15 9.8 11.2 10.9
Return on investments, % (ROI)*
)
16 6.9 7.7 7.5
Equity ratio, %*
)
17 42.2 40.2 41.3
Loan to Value, % 1) *) 18 46.2 45.9 46.0
Earnings per share, € 3) 0.19 0.25 0.67 0.71 0.93
Equity per share, € 3) 9.32 8.65 8.88
Gross investments, M€ *
)
19 62.6 64.3 305.8 193.7 367.3
Number of personnel, end of period 304 302 316

*) Disclosure on Alternative Performance Measurements based on ESMA guidelines is located on key figures section of this interim report.

1) Excludes non-current items held for sale

2) Includes non-current items held for sale

3) Formula used in the calculation was changed in 2017, and comparative figures were changed to correspond to the current formula. 4) The comparative figures for earnings per share have been adjusted to reflect the impact of the decision made by the Extraordinary General Meeting of Shareholders on 25 May 2018 regarding a share split. The shareholders received 30 new shares for each existing share.

In accordance with the guidelines issued by the European Securities and Markets Authority (ESMA), Kojamo provides an account of the Alternative Performance Measures used by the Group and their definitions.

Kojamo presents Alternative Performance Measures to illustrate the financial development of its business operations and improve comparability between reporting periods. The Alternative Performance Measures, i.e. performance measures that are not based on financial reporting standards, provide significant additional information for the management, investors, analysts and other parties. The Alternative Performance Measures should not be considered substitutes for IFRS performance measures.

Formulas used in the calculation of the key figures

Alternative Performance Measures (APM) based on ESMA guidelines

1) Net rental income = Total revenue - Maintenance expenses - Repair Expenses
Net rental income measures profitability for Groups' rental business after deduction of
maintenance and repair costs.
2) Net rental income margin, % Net rental income
=
x 100
Total revenue
Net rental income margin discloses net rental income in relation to net sales
3) Profit before taxes Net rental income - Administrative expenses + Other operating income - Other
operating expenses +/- Profit/loss on sales of investment properties +/-
=
Profit/loss on sales of trading properties +/- Fair value change of investment
properties - Depreciatin, amortisation and impairment losses +/- Financial
income and expenses +/- Share of result from associated comapnies
Profit before taxes measures profitability after operative costs and financial expenses.
4) EBITDA Profit for the period + Depreciation, amortisation and impairment losses -/+
=
Financial income and expenses -/+ Share of result from associated companies
+ Current tax expense + Change in deferred taxes
EBITDA measures operative profitability before financial expenses, taxes and depreciation.
5) EBITDA margin, % EBITDA
=
x 100
Total revenue
EBITDA margin discloses EBITDA in relation to net sales
6) Adjusted EBITDA Profit for the period + Depreciation, amortisation and impairment losses -/+
Profit loss on sales of investment properties -/+ Profit/loss on sales trading
properties -/+ Profit/loss on sales of other non-current assets -/+ Fair value
=
change of investment properties -/+ Financial income and expenses -/+ Share of
result from associated companies + Current tax expense + Change in deferred
taxes
Adjusted EBITDA measures profitability for Groups' underlying rental operations excluding
gains/losses on sale of properties and non-realized value changes of investment properties.
7) Adjusted EBITDA margin, % Adjusted EBITDA
=
x 100
Total revenue

Adjusted EBITDA margin discloses adjusted EBITDA in relation to net sales

8) Funds from operations (FFO) = Adjusted EBITDA - Adjusted net interest charges - Current tax expenses
FFO measures cash flow before change in net working capital. APM calculation takes into account
financial expenses and current taxes but excludes items not directly connected to rental operations
like unrealized value changes.
9) FFO margin, % = FFO
Total revenue
x 100
FFO margin discloses FFO in relation to net sales
10) FFO per share = FFO
Weighted average number of shares outstanding during the financial period
FFO per share illustrates FFO for individual share.
11) FFO excluding non-recurring costs = FFO + non-recurring costs
FFO measures cash flow before change in net working capital. APM calculation takes into account
financial expenses and current taxes but excludes items not directly connected to rental operations
like unrealized value changes and non-recurring costs.
12) Adjusted funds from operations
(AFFO)
= FFO - Modernisation investments
AFFO measures cash flow before change in net working capital. APM calculation takes into account
modernisation investments, financial expenses and current taxes but excludes items not directly

connected to operative rental operations like unrealized value changes.

13) Operative result = Profit for the period -/+ Gains/losses on sales of properties -/+ Fair value
changes - Tax adjustments
Operative result measures profitability for Groups' operative rental business excluding value
adjustments on investment properties and other similar non-operative items.
14) Interest-bearing liabilities = Non-current loans and borrowings + Current loans and borrowings
Interest-bearing liabilities measures Group's total debt.
15) Return on equity (ROE), % = Profit for the period (annualised)
Total equity (average during the period)
x 100
ROE measures financial result in relation to equity. APM illustrates Kojamo's ability to generate
return for the shareholders
16) Return on investment (ROI), % = (Profit before taxes + Interests and other financial expenses) (annualised)
Total assets - Non-interest-bearing liabilities (average during the period)
x 100
ROI measures financial result in relation to invested capital. APM illustrates Kojamo's ability to
generate return for the invested funds.
17) Equity ratio, % = Total equity
Balance sheet total - Advanced received
x 100
Equity to assets is APM for balance sheet structure which discloses share of equity to total capital.
APM illustrates Group's financing structure.
18) Loan to Value, % = Interest-bearing liabilities - Cash and cash equivalents
Investment properties
x 100
Loan to value discloses the ratio of net debt to investment properties. APM illustrates Groups'
indebtedness
19) Gross investment = Acquisition and devevelopment of investment properties + Modernisation
investments + Capitalised borrowing costs
APM illustrates total investments including acquisitions, development investments, modernisation
investments and capitalized interests.
Other performance measures
20) Financial occupancy rate, % = Rental income
Potential rental income at full occupancy
x 100
M€ 7-9/2018 7-9/2017 1-9/2018 1-9/2017 2017
Profit for the period 47.6 56.8 158.8 162.0 212.9
Depreciation, amortisation and impairment losses 0.2 0.3 0.6 0.9 1.1
Profit/ loss on sales of investment properties 0.1 -0.2 -0.9 -1.5 -2.5
Profit/ loss on sales of trading properties 0.0 0.0 0.0 0.0
Profit/ loss on sales of other non-current assets 0.0 0.0 0.0 0.0
Fair value change of investment properties -13.4 -33.2 -87.5 -100.8 -126.2
Financial income -1.0 -1.4 -2.9 -3.9 -5.0
Financial expenses 11.8 11.3 37.9 33.2 45.5
Share of result from associated companies -0.1
Current tax expense 2.8 5.4 30.6 22.7 28.6
Change in deferred taxes 8.6 11.2 10.1 20.7 25.1
Adjusted EBITDA 56.8 50.2 146.8 133.2 179.5
Financial income and expenses -10.8 -10.0 -35.0 -29.3 -40.5
Fair value change of financial assets -0.8 -1.1 0.6 -2.6 -2.7
Adjusted net interest charges -11.7 -11.0 -34.4 -31.9 -43.1
Current tax expense -2.8 -5.4 -30.6 -22.7 -28.6
Funds From Operations (FFO) 42.3 33.8 81.8 78.7 107.8
One-off items 0.0 0.8
FFO excluding one-off items 42.2 33.8 82.6 78.7 107.8
Profit for the period 47.6 56.8 158.8 162.0 212.9
Profit/ loss on sales of investment properties 0.1 -0.2 -0.9 -1.5 -2.5
Profit/ loss on sales of trading properties 0.0 0.0 0.0 0.0
Profit/ loss on sales of other non-current assets 0.0 0.0 0.0 0.0
Fair value change of investment properties -13.4 -33.2 -87.5 -100.8 -126.2
Fair value change of financial assets -0.8 -1.1 0.6 -2.6 -2.7
Other items affecting comparability 0.9 0.9
Tax adjustments 2.8 6.9 16.8 19.9 25.1
Operative result 36.3 29.3 87.9 78.0 107.6
Operative result 36.3 29.3 87.9 78.0 107.6
Depreciation, amortisation and impairment losses 0.2 0.3 0.6 0.9 1.1
Other items affecting comparability -0.9 -0.9
Share of result from associated companies -0.1
Difference in deferred taxes 5.8 4.3 -6.7 0.8 0.0
One-off items 0.0 0.8
FFO excluding one-off items 42.2 33.8 82.6 78.7 107.8
Total equity 2,303.8 1,985.2 2,038.6
Assets total 5,461.2 4,946.1 4,943.5
Advances received -5.4 -5.0 -5.1
Equity ratio, % 42.2 40.2 41.3

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