Note 16 - 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 6 on risk factors for a detailed description.
| Group | |||||||||
| At 31 Dec 2019 (NOK million) | On demand | Below 3 months | 3-12 months | 1 - 5 yrs | Above 5 yrs |
Total | |||
| Cash flows related to liabilities2) |
|||||||||
| Debt to credit institutions | 8,567 | 245 | - | - | 42 | 8,853 | |||
| Deposits from and debt to customers | 64,441 | 14,481 | 3,524 | 3,471 | - | 85,917 | |||
| Debt created by issuance of securities | - | 1,210 | 7,389 | 29,599 | 6,589 | 44,787 | |||
| Derivatives - contractual cash flow out | - | 466 | 5,993 | 25,392 | 3,604 | 35,455 | |||
| Other commitments | - | 1,315 | 731 | 267 | 214 | 2,526 | |||
| Subordinated debt1) |
- | 23 | 357 | 1,940 | - | 2,319 | |||
| Total cash flow, liabilities | 73,008 | 17,740 | 17,993 | 60,669 | 10,447 | 179,857 | |||
| Derivatives net cash flows | |||||||||
| Contractual cash flows out | - | 466 | 5,993 | 25,392 | 3,604 | 35,455 | |||
| Contractual cash flows in | - | -223 | -6,483 | -26,501 | -3,682 | -36,889 | |||
| Net contractual cash flows | - | 244 | -490 | -1,109 | -79 | -1,434 | |||
| Group | |||||||||
| At 31 Dec 2018 (NOK million) | On demand | Below 3 months | 3-12 months | 1 - 5 yrs | Above 5 yrs |
Total | |||
| Cash flows related to liabilities2) |
|||||||||
| Debt to credit institutions | 8,006 | 1 | 498 | 647 | 62 | 9,214 | |||
| Deposits from and debt to customers | 62,333 | 9,873 | 2,554 | 5,855 | - | 80,615 | |||
| Debt created by issuance of securities | - | 1,730 | 5,139 | 32,665 | 6,200 | 45,733 | |||
| Derivatives - contractual cash flow out | - | 1,425 | 15,209 | 27,449 | 1,154 | 45,237 | |||
| Other commitments | - | 1,619 | 621 | 162 | 8 | 2,410 | |||
| Subordinated debt1) |
- | 12 | 71 | 2,127 | 255 | 2,465 | |||
| Total cash flow, liabilities | 70,339 | 14,659 | 24,092 | 68,904 | 7,679 | 185,674 | |||
| Derivatives net cash flows | |||||||||
| Contractual cash flows out | - | 1,425 | 15,209 | 27,449 | 1,154 | 45,237 | |||
| Contractual cash flows in | - | -2,479 | -15,110 | -26,554 | -1,294 | -45,436 | |||
| Net contractual cash flows | - | -1,054 | 99 | 895 | -140 | -200 | |||
| Does not include value adjustments for financial instruments at fair value 1)For subordinated debt the call date is used for cash settlement 2)Contractual cash-flows include calculated interest and the total amount therefore deviate from recognised liabilities |
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Financial results
Annual report and notes
