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 |
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Financial results
Annual report and notes
