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 2021 (NOKm) On demand Below 3 months 3-12 months 1 - 5 yrs Above 5 yrs Total
Cash flows related to liabilities 2)            
Deposit from credit institutions 11,204 1,175 684 2,074 31 15,167
Deposits from and debt to customers 86,753 16,958 3,462 4,113 - 111,286
Debt created by issue of securities - 5,188 1,626 28,143 6,852 41,810
Derivatives - contractual cash flow out - 7,181 1,288 13,478 6,186 28,132
Other liabilities - 1,622 849 479 329 3,280
Subordinated loan capital 1) - 11 816 1,025 - 1,852
Total cash flow, liabilities 97,957 32,134 8,724 49,313 13,399 201,527
             
Derivatives net cash flows            
Contractual cash flows out - 7,181 1,288 13,478 6,186 28,132
Contractual cash flows in - -7,014 -1,153 -12,785 -6,110 -27,062
Net contractual cash flows - 166 135 692 77 1,070
             
             
Group            
At 31 Dec 2020 (NOKm) On demand Below 3 months 3-12 months 1 - 5 yrs Above 5 yrs Total
Cash flows related to liabilities 2)            
Deposits from credit institutions 11,325 1,737 15 2,072 36 15,185
Deposits from and debt to customers 76,601 13,486 2,944 4,497 - 97,529
Debt created by issue of securities - 1,174 6,509 33,396 1,804 42,884
Derivatives - contractual cash flow out - 2,090 10,254 20,957 1,036 34,337
Other liabilities - 1,582 715 468 260 3,025
Subordinated loan capital 1) - 9 68 1,798 - 1,874
Total cash flow, liabilities 87,926 20,079 20,505 63,188 3,136 194,834
             
Derivatives net cash flows            
Contractual cash flows out - 2,090 10,254 20,957 1,036 34,337
Contractual cash flows in - -1,693 -10,240 -21,048 -1,182 -34,163
Net contractual cash flows - 397 14 -92 -146 174

Does not include value adjustments for financial instruments at fair value

1) For subordinated loan capital 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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Annual report and notes

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