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 2022 (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 | 11,180 | 1,194 | 161 | 2,125 | 26 | 14,685 | |||
| Deposits from and debt to customers | 89,936 | 19,376 | 7,480 | 5,217 | - | 122,010 | |||
| Debt created by issue of securities | - | 951 | 8,442 | 41,837 | 1,746 | 52,977 | |||
| Derivatives - contractual cash flow out | - | 798 | 8,532 | 26,947 | 1,655 | 37,932 | |||
| Other liabilities | - | 1,361 | 787 | 386 | 258 | 2,792 | |||
| Subordinated loan capital 1) | - | 16 | 824 | 1,459 | - | 2,299 | |||
| Total cash flow, liabilities | 101,116 | 23,696 | 26,226 | 77,972 | 3,684 | 232,694 | |||
| Derivatives net cash flows | |||||||||
| Contractual cash flows out | - | 798 | 8,532 | 26,947 | 1,655 | 37,932 | |||
| Contractual cash flows in | - | -622 | -8,176 | -25,412 | -1,633 | -35,843 | |||
| Net contractual cash flows | - | 176 | 356 | 1,535 | 21 | 2,089 | |||
| 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) | |||||||||
| Debt to 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 issuance 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 | |||
| Does not include value adjustments for financial instruments at fair value |
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Financial results
Annual report and notes
