Notes

Note
1 General information
2 IFRS accounting principles
3 Risk factors
4 Critical estimates and assessments concerning the use of accounting principles
5 Segment information
6 Net interest income
7 Net commission income and other income
8 Net profit/(loss) from financial assets
9 Personnel expenses and emoluments to senior employees and elected officers
10 Other operating expenses
11 Income tax
12 Credit institutions - loans and advances
13 Loans and advances to customers
14 Age breakdown of contracts fallen due but not written down
15 Losses on loans and guarantees
16 Credit risk exposure for each internal risk rating
17 Maximum credit risk exposure, disregarding collateral
18 Credit quality per class of financial assets
19 Money market certificates and bonds
20 Financial derivatives
21 Shares, units and other equity interests
22 Measurement of fair value of financial instruments
23 Fair value of financial instruments
24 Investments in owner interests
25 Business acquisitions/business combinations
26 Significant transactions with related companies
27 Property, plant and equipment
28 Goodwill
29 Other assets
30 Deposits from and liabilities to customers
31 Debt securities in issue
32 Other debt and liabilities
33 Pension
34 Subordinated debt and hybrid equity issue
35 Capital adequacy and capital management
36 ECC capital and ownership structure
37 Dividends/groups contributions from subsidiaries
38 Maturity analysis of assets and liabilities
39 Liquidity risk
40 Market risk related to interest rate risk
41 Market risk related to currency exposure
42 Subsequent events
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