Note 35 - Deposits from and liabilities to customers

Accounting Policy

Customer deposits are recognised at amortised cost

Parent Bank   Group
31 Dec 2021 31 Dec 2022 Deposits from and liabilities to customers (NOKm) 31 Dec 2022 31 Dec 2021
84,984 88,068 Deposits from and liabilities to customers without agreed maturity  87,380 84,244
27,044 34,632 Deposits from and liabilities to customers with agreed maturity  34,630 27,042
112,028 122,699 Total deposits from and liabilities to customers 122,010 111,286
         
0.5 % 1.3 % Average interest rate 1.3 % 0.5 %
         
    Fixed interest deposits account for 4.0 per cent (2.2 per cent) of total deposits.  
         
         
31 Dec 2021 31 Dec 2022 Deposits specified by sector and industry 31 Dec 2022 31 Dec 2021
44,589 48,316 Wage earners 48,316 44,589
16,826 21,690 Public administration 21,690 16,826
1,958 2,159 Agriculture and forestry 2,159 1,958
991 1,366 Fisheries and hunting 1,366 991
1,050 644 Sea farming industries 644 1,050
2,562 2,881 Manufacturing 2,881 2,562
5,535 5,534 Construction, power and water supply 5,534 5,535
6,649 6,065 Retail trade, hotels and restaurants 6,065 6,649
1,006 1,198 Maritime sector 1,198 1,006
5,692 5,645 Property management 5,577 5,635
11,469 13,036 Business services 13,036 11,469
9,247 9,364 Transport and other services provision 8,856 8,750
4,453 4,800 Other sectors 4,687 4,267
112,028 122,699 Total deposits from customers broken down by sector and industry 122,010 111,286
         
         
31 Dec 2021 31 Dec 2022 Deposits specified by geographic area 31 Dec 2022 31 Dec 2021
73,210 77,655 Trøndelag 77,047 72,550
18,396 19,425 Møre og Romsdal 19,425 18,396
1,446 1,894 Nordland 1,894 1,446
8,989 9,431 Oslo 9,349 8,908
9,247 11,621 Other counties 11,621 9,247
740 2,673 Abroad 2,673 740
112,028 122,699 Total deposits broken down by geographic area 122,010 111,286
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