Note 39 - Liquidity risk
Liquidity risk is the risk that the group will be unable to refinance its debt or unable to finance increases in its assets. See note 3 Risk factors for a detailed description.
| Group | |||||||||
| At 31.12.2011 (NOK million) | On demand | Below 3 months | 3-12 months | 1 - 5 yrs | Above 5 yrs | Total | |||
| Cash flows related to liabilities | |||||||||
| Debt to credit institutions | 2,624 | 1,491 | 296 | 4,457 | 251 | 9,118 | |||
| Deposits from and debt to customers | 40,831 | 490 | 4,306 | 2,244 | - | 47,871 | |||
| Debt created by issuance of securities | - | 3,318 | 1,555 | 22,052 | 1,075 | 27,999 | |||
| Derivatives - contractual cash flow out | - | 159 | 379 | 1,573 | 301 | 2,412 | |||
| Other commitments | 125 | 1,518 | 375 | 103 | - | 2,122 | |||
| Subordinated debt | - | - | - | 1,402 | 1,149 | 2,552 | |||
| Total cash flow, liabilities | 43,581 | 6,975 | 6,911 | 31,831 | 2,776 | 92,073 | |||
| Contractual cash flows out | - | 159 | 379 | 1,573 | 301 | 2,412 | |||
| Contractual cash flows in | - | -167 | -485 | -1,831 | -426 | -2,909 | |||
| Net contractual cash flows | - | -8 | -106 | -259 | -125 | -497 | |||
| Group | |||||||||
| At 31.12.2010 (NOK million) | On demand | Below 3 months | 3-12 months | 1 - 5 yrs | Above 5 yrs | Total | |||
| Cash flows related to liabilities | |||||||||
| Debt to credit institutions | 4,084 | 394 | - | 6,467 | 2,117 | 13,061 | |||
| Deposits from and debt to customers | 37,790 | - | 3,856 | 1,141 | - | 42,786 | |||
| Debt created by issuance of securities | - | 3,564 | 1,687 | 20,265 | 2,300 | 27,816 | |||
| Derivatives - contractual cash flow out | - | 570 | 409 | 1,610 | 317 | 2,906 | |||
| Other commitments | 8 | 1,493 | 308 | 32 | 81 | 1,922 | |||
| Subordinated debt | - | - | - | 552 | 2,083 | 2,635 | |||
| Total cash flow, liabilities | 41,881 | 6,020 | 6,259 | 30,067 | 6,898 | 91,126 | |||
| Contractual cash flows out | - | 570 | 409 | 1,610 | 317 | 2,906 | |||
| Contractual cash flows in | - | -629 | -401 | -1,889 | -458 | -3,377 | |||
| Net contractual cash flows | - | -60 | 8 | -279 | -141 | -471 | |||
| Group | |||||||||
| At 31.12.2009 (NOK million) | On demand | Below 3 months | 3-12 months | 1 - 5 yrs | Above 5 yrs | Total | |||
| Cash flows related to liabilities | |||||||||
| Debt to credit institutions | 4,149 | 327 | 922 | 5,415 | 498 | 11,310 | |||
| Deposits from and debt to customers | 34,203 | 90 | 2,182 | 752 | - | 37,227 | |||
| Debt created by issuance of securities | - | 3,073 | 1,087 | 18,265 | 833 | 23,258 | |||
| Derivatives - contractual cash flow out | - | 2,752 | 259 | 830 | 67 | 3,908 | |||
| Other commitments | 94 | 1,095 | 246 | 330 | 78 | 1,843 | |||
| Subordinated debt | - | - | - | 545 | 3,246 | 3,790 | |||
| Total cash flow, liabilities | 38,446 | 7,337 | 4,696 | 26,136 | 4,722 | 81,337 | |||
| Contractual cash flows out | - | 2,752 | 259 | 830 | 67 | 3,908 | |||
| Contractual cash flows in | - | -2,894 | -243 | -1,254 | -140 | -4,531 | |||
| Net contractual cash flows | - | -142 | 16 | -424 | -73 | -623 | |||
Does not include value adjustments for financial instruments at fair value.
Financial results
Annual report and notes
