{
 "documentInfo": {
  "documentType": "https://xbrl.org/2021/xbrl-json",
  "features": {
   "xbrl:canonicalValues": true
  },
  "namespaces": {
   "SPA": "http://spv.no/2023-12-31",
   "ifrs-full": "https://xbrl.ifrs.org/taxonomy/2022-03-24/ifrs-full",
   "iso4217": "http://www.xbrl.org/2003/iso4217",
   "scheme": "http://standards.iso.org/iso/17442",
   "xbrl": "https://xbrl.org/2021",
   "xbrli": "http://www.xbrl.org/2003/instance"
  },
  "taxonomy": [
   "http://spv.no/2023-12-31/213800M7T3CYVZ3ZRT12-2023-12-31.xsd"
  ]
 },
 "facts": {
  "f32805": {
   "value": "11837000000",
   "decimals": -6,
   "dimensions": {
    "concept": "ifrs-full:InterestRevenueCalculatedUsingEffectiveInterestMethod",
    "entity": "scheme:213800M7T3CYVZ3ZRT12",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00",
    "unit": "iso4217:NOK"
   }
  },
  "f32809": {
   "value": "6335000000",
   "decimals": -6,
   "dimensions": {
    "concept": "ifrs-full:InterestRevenueCalculatedUsingEffectiveInterestMethod",
    "entity": "scheme:213800M7T3CYVZ3ZRT12",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00",
    "unit": "iso4217:NOK"
   }
  },
  "f32823": {
   "value": "2653000000",
   "decimals": -6,
   "dimensions": {
    "concept": "ifrs-full:InterestIncomeOnFinancialAssetsDesignatedAtFairValueThroughProfitOrLoss",
    "entity": "scheme:213800M7T3CYVZ3ZRT12",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00",
    "unit": "iso4217:NOK"
   }
  },
  "f32826": {
   "value": "1336000000",
   "decimals": -6,
   "dimensions": {
    "concept": "ifrs-full:InterestIncomeOnFinancialAssetsDesignatedAtFairValueThroughProfitOrLoss",
    "entity": "scheme:213800M7T3CYVZ3ZRT12",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00",
    "unit": "iso4217:NOK"
   }
  },
  "f32839": {
   "value": "9249000000",
   "decimals": -6,
   "dimensions": {
    "concept": "ifrs-full:InterestExpense",
    "entity": "scheme:213800M7T3CYVZ3ZRT12",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00",
    "unit": "iso4217:NOK"
   }
  },
  "f32843": {
   "value": "3677000000",
   "decimals": -6,
   "dimensions": {
    "concept": "ifrs-full:InterestExpense",
    "entity": "scheme:213800M7T3CYVZ3ZRT12",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00",
    "unit": "iso4217:NOK"
   }
  },
  "f32859": {
   "value": "5242000000",
   "decimals": -6,
   "dimensions": {
    "concept": "ifrs-full:InterestRevenueExpense",
    "entity": "scheme:213800M7T3CYVZ3ZRT12",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00",
    "unit": "iso4217:NOK"
   }
  },
  "f32863": {
   "value": "3994000000",
   "decimals": -6,
   "dimensions": {
    "concept": "ifrs-full:InterestRevenueExpense",
    "entity": "scheme:213800M7T3CYVZ3ZRT12",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00",
    "unit": "iso4217:NOK"
   }
  },
  "f32878": {
   "value": "783000000",
   "decimals": -6,
   "dimensions": {
    "concept": "ifrs-full:FeeAndCommissionIncome",
    "entity": "scheme:213800M7T3CYVZ3ZRT12",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00",
    "unit": "iso4217:NOK"
   }
  },
  "f32882": {
   "value": "775000000",
   "decimals": -6,
   "dimensions": {
    "concept": "ifrs-full:FeeAndCommissionIncome",
    "entity": "scheme:213800M7T3CYVZ3ZRT12",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00",
    "unit": "iso4217:NOK"
   }
  },
  "f32895": {
   "value": "129000000",
   "decimals": -6,
   "dimensions": {
    "concept": "ifrs-full:FeeAndCommissionExpense",
    "entity": "scheme:213800M7T3CYVZ3ZRT12",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00",
    "unit": "iso4217:NOK"
   }
  },
  "f32899": {
   "value": "116000000",
   "decimals": -6,
   "dimensions": {
    "concept": "ifrs-full:FeeAndCommissionExpense",
    "entity": "scheme:213800M7T3CYVZ3ZRT12",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00",
    "unit": "iso4217:NOK"
   }
  },
  "f32914": {
   "value": "215000000",
   "decimals": -6,
   "dimensions": {
    "concept": "ifrs-full:OtherIncomeExpenseFromSubsidiariesJointlyControlledEntitiesAndAssociates",
    "entity": "scheme:213800M7T3CYVZ3ZRT12",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00",
    "unit": "iso4217:NOK"
   }
  },
  "f32918": {
   "value": "262000000",
   "decimals": -6,
   "dimensions": {
    "concept": "ifrs-full:OtherIncomeExpenseFromSubsidiariesJointlyControlledEntitiesAndAssociates",
    "entity": "scheme:213800M7T3CYVZ3ZRT12",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00",
    "unit": "iso4217:NOK"
   }
  },
  "f32931": {
   "value": "-87000000",
   "decimals": -6,
   "dimensions": {
    "concept": "SPA:GainsLossesOnFinancialInstruments",
    "entity": "scheme:213800M7T3CYVZ3ZRT12",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00",
    "unit": "iso4217:NOK"
   }
  },
  "f32935": {
   "value": "74000000",
   "decimals": -6,
   "dimensions": {
    "concept": "SPA:GainsLossesOnFinancialInstruments",
    "entity": "scheme:213800M7T3CYVZ3ZRT12",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00",
    "unit": "iso4217:NOK"
   }
  },
  "f32943": {
   "value": "263000000",
   "decimals": -6,
   "dimensions": {
    "concept": "ifrs-full:MiscellaneousOtherOperatingIncome",
    "entity": "scheme:213800M7T3CYVZ3ZRT12",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00",
    "unit": "iso4217:NOK"
   }
  },
  "f32947": {
   "value": "256000000",
   "decimals": -6,
   "dimensions": {
    "concept": "ifrs-full:MiscellaneousOtherOperatingIncome",
    "entity": "scheme:213800M7T3CYVZ3ZRT12",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00",
    "unit": "iso4217:NOK"
   }
  },
  "f32956": {
   "value": "1044000000",
   "decimals": -6,
   "dimensions": {
    "concept": "ifrs-full:OtherIncome",
    "entity": "scheme:213800M7T3CYVZ3ZRT12",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00",
    "unit": "iso4217:NOK"
   }
  },
  "f32960": {
   "value": "1250000000",
   "decimals": -6,
   "dimensions": {
    "concept": "ifrs-full:OtherIncome",
    "entity": "scheme:213800M7T3CYVZ3ZRT12",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00",
    "unit": "iso4217:NOK"
   }
  },
  "f32969": {
   "value": "6285000000",
   "decimals": -6,
   "dimensions": {
    "concept": "ifrs-full:RevenueAndOperatingIncome",
    "entity": "scheme:213800M7T3CYVZ3ZRT12",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00",
    "unit": "iso4217:NOK"
   }
  },
  "f32972": {
   "value": "5244000000",
   "decimals": -6,
   "dimensions": {
    "concept": "ifrs-full:RevenueAndOperatingIncome",
    "entity": "scheme:213800M7T3CYVZ3ZRT12",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00",
    "unit": "iso4217:NOK"
   }
  },
  "f32986": {
   "value": "1381000000",
   "decimals": -6,
   "dimensions": {
    "concept": "SPA:EmployeeBenefitsExpenseAndAdministrativeExpense",
    "entity": "scheme:213800M7T3CYVZ3ZRT12",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00",
    "unit": "iso4217:NOK"
   }
  },
  "f32989": {
   "value": "1292000000",
   "decimals": -6,
   "dimensions": {
    "concept": "SPA:EmployeeBenefitsExpenseAndAdministrativeExpense",
    "entity": "scheme:213800M7T3CYVZ3ZRT12",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00",
    "unit": "iso4217:NOK"
   }
  },
  "f33000": {
   "value": "192000000",
   "decimals": -6,
   "dimensions": {
    "concept": "ifrs-full:DepreciationAndAmortisationExpense",
    "entity": "scheme:213800M7T3CYVZ3ZRT12",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00",
    "unit": "iso4217:NOK"
   }
  },
  "f33004": {
   "value": "218000000",
   "decimals": -6,
   "dimensions": {
    "concept": "ifrs-full:DepreciationAndAmortisationExpense",
    "entity": "scheme:213800M7T3CYVZ3ZRT12",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00",
    "unit": "iso4217:NOK"
   }
  },
  "f33015": {
   "value": "199000000",
   "decimals": -6,
   "dimensions": {
    "concept": "ifrs-full:OtherExpenseByNature",
    "entity": "scheme:213800M7T3CYVZ3ZRT12",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00",
    "unit": "iso4217:NOK"
   }
  },
  "f33019": {
   "value": "177000000",
   "decimals": -6,
   "dimensions": {
    "concept": "ifrs-full:OtherExpenseByNature",
    "entity": "scheme:213800M7T3CYVZ3ZRT12",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00",
    "unit": "iso4217:NOK"
   }
  },
  "f33031": {
   "value": "1772000000",
   "decimals": -6,
   "dimensions": {
    "concept": "ifrs-full:OperatingExpense",
    "entity": "scheme:213800M7T3CYVZ3ZRT12",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00",
    "unit": "iso4217:NOK"
   }
  },
  "f33035": {
   "value": "1687000000",
   "decimals": -6,
   "dimensions": {
    "concept": "ifrs-full:OperatingExpense",
    "entity": "scheme:213800M7T3CYVZ3ZRT12",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00",
    "unit": "iso4217:NOK"
   }
  },
  "f33048": {
   "value": "4513000000",
   "decimals": -6,
   "dimensions": {
    "concept": "SPA:ProfitLossBeforeTaxAndImpairmentLossImpairmentGainAndReversalOfImpairmentLossDeterminedInAccordanceWithIfrs9",
    "entity": "scheme:213800M7T3CYVZ3ZRT12",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00",
    "unit": "iso4217:NOK"
   }
  },
  "f33052": {
   "value": "3556000000",
   "decimals": -6,
   "dimensions": {
    "concept": "SPA:ProfitLossBeforeTaxAndImpairmentLossImpairmentGainAndReversalOfImpairmentLossDeterminedInAccordanceWithIfrs9",
    "entity": "scheme:213800M7T3CYVZ3ZRT12",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00",
    "unit": "iso4217:NOK"
   }
  },
  "f33066": {
   "value": "95000000",
   "decimals": -6,
   "dimensions": {
    "concept": "ifrs-full:ImpairmentLossImpairmentGainAndReversalOfImpairmentLossDeterminedInAccordanceWithIFRS9",
    "entity": "scheme:213800M7T3CYVZ3ZRT12",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00",
    "unit": "iso4217:NOK"
   }
  },
  "f33070": {
   "value": "52000000",
   "decimals": -6,
   "dimensions": {
    "concept": "ifrs-full:ImpairmentLossImpairmentGainAndReversalOfImpairmentLossDeterminedInAccordanceWithIFRS9",
    "entity": "scheme:213800M7T3CYVZ3ZRT12",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00",
    "unit": "iso4217:NOK"
   }
  },
  "f33082": {
   "value": "4418000000",
   "decimals": -6,
   "dimensions": {
    "concept": "ifrs-full:ProfitLossBeforeTax",
    "entity": "scheme:213800M7T3CYVZ3ZRT12",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00",
    "unit": "iso4217:NOK"
   }
  },
  "f33086": {
   "value": "3504000000",
   "decimals": -6,
   "dimensions": {
    "concept": "ifrs-full:ProfitLossBeforeTax",
    "entity": "scheme:213800M7T3CYVZ3ZRT12",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00",
    "unit": "iso4217:NOK"
   }
  },
  "f33099": {
   "value": "874000000",
   "decimals": -6,
   "dimensions": {
    "concept": "ifrs-full:IncomeTaxExpenseContinuingOperations",
    "entity": "scheme:213800M7T3CYVZ3ZRT12",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00",
    "unit": "iso4217:NOK"
   }
  },
  "f33102": {
   "value": "687000000",
   "decimals": -6,
   "dimensions": {
    "concept": "ifrs-full:IncomeTaxExpenseContinuingOperations",
    "entity": "scheme:213800M7T3CYVZ3ZRT12",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00",
    "unit": "iso4217:NOK"
   }
  },
  "f33113": {
   "value": "3545000000",
   "decimals": -6,
   "dimensions": {
    "concept": "ifrs-full:ProfitLoss",
    "entity": "scheme:213800M7T3CYVZ3ZRT12",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00",
    "unit": "iso4217:NOK"
   }
  },
  "f33117": {
   "value": "2817000000",
   "decimals": -6,
   "dimensions": {
    "concept": "ifrs-full:ProfitLoss",
    "entity": "scheme:213800M7T3CYVZ3ZRT12",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00",
    "unit": "iso4217:NOK"
   }
  },
  "f33130": {
   "value": "3442000000",
   "decimals": -6,
   "dimensions": {
    "concept": "ifrs-full:ProfitLossAttributableToOwnersOfParent",
    "entity": "scheme:213800M7T3CYVZ3ZRT12",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00",
    "unit": "iso4217:NOK"
   }
  },
  "f33134": {
   "value": "2759000000",
   "decimals": -6,
   "dimensions": {
    "concept": "ifrs-full:ProfitLossAttributableToOwnersOfParent",
    "entity": "scheme:213800M7T3CYVZ3ZRT12",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00",
    "unit": "iso4217:NOK"
   }
  },
  "f33146": {
   "value": "103000000",
   "decimals": -6,
   "dimensions": {
    "concept": "SPA:ProfitLossAttributableToAdditionalTier1CapitalHolders",
    "entity": "scheme:213800M7T3CYVZ3ZRT12",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00",
    "unit": "iso4217:NOK"
   }
  },
  "f33150": {
   "value": "58000000",
   "decimals": -6,
   "dimensions": {
    "concept": "SPA:ProfitLossAttributableToAdditionalTier1CapitalHolders",
    "entity": "scheme:213800M7T3CYVZ3ZRT12",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00",
    "unit": "iso4217:NOK"
   }
  },
  "f33177": {
   "value": "12.76",
   "decimals": 2,
   "dimensions": {
    "concept": "ifrs-full:BasicEarningsLossPerShare",
    "entity": "scheme:213800M7T3CYVZ3ZRT12",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00",
    "unit": "iso4217:NOK/xbrli:shares"
   }
  },
  "f33178": {
   "value": "12.76",
   "decimals": 2,
   "dimensions": {
    "concept": "ifrs-full:DilutedEarningsLossPerShare",
    "entity": "scheme:213800M7T3CYVZ3ZRT12",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00",
    "unit": "iso4217:NOK/xbrli:shares"
   }
  },
  "f33182": {
   "value": "10.29",
   "decimals": 2,
   "dimensions": {
    "concept": "ifrs-full:BasicEarningsLossPerShare",
    "entity": "scheme:213800M7T3CYVZ3ZRT12",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00",
    "unit": "iso4217:NOK/xbrli:shares"
   }
  },
  "f33183": {
   "value": "10.29",
   "decimals": 2,
   "dimensions": {
    "concept": "ifrs-full:DilutedEarningsLossPerShare",
    "entity": "scheme:213800M7T3CYVZ3ZRT12",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00",
    "unit": "iso4217:NOK/xbrli:shares"
   }
  },
  "f33281": {
   "value": "3545000000",
   "decimals": -6,
   "dimensions": {
    "concept": "ifrs-full:ProfitLoss",
    "entity": "scheme:213800M7T3CYVZ3ZRT12",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00",
    "unit": "iso4217:NOK"
   }
  },
  "f33285": {
   "value": "2817000000",
   "decimals": -6,
   "dimensions": {
    "concept": "ifrs-full:ProfitLoss",
    "entity": "scheme:213800M7T3CYVZ3ZRT12",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00",
    "unit": "iso4217:NOK"
   }
  },
  "f33296": {
   "value": "0",
   "decimals": -6,
   "dimensions": {
    "concept": "ifrs-full:OtherComprehensiveIncomeBeforeTaxGainsLossesOnRemeasurementsOfDefinedBenefitPlans",
    "entity": "scheme:213800M7T3CYVZ3ZRT12",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00",
    "unit": "iso4217:NOK"
   }
  },
  "f33299": {
   "value": "4000000",
   "decimals": -6,
   "dimensions": {
    "concept": "ifrs-full:OtherComprehensiveIncomeBeforeTaxGainsLossesOnRemeasurementsOfDefinedBenefitPlans",
    "entity": "scheme:213800M7T3CYVZ3ZRT12",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00",
    "unit": "iso4217:NOK"
   }
  },
  "f33320": {
   "value": "190000000",
   "decimals": -6,
   "dimensions": {
    "concept": "ifrs-full:OtherComprehensiveIncomeBeforeTaxChangeInFairValueOfFinancialLiabilityAttributableToChangeInCreditRiskOfLiability",
    "entity": "scheme:213800M7T3CYVZ3ZRT12",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00",
    "unit": "iso4217:NOK"
   }
  },
  "f33324": {
   "value": "324000000",
   "decimals": -6,
   "dimensions": {
    "concept": "ifrs-full:OtherComprehensiveIncomeBeforeTaxChangeInFairValueOfFinancialLiabilityAttributableToChangeInCreditRiskOfLiability",
    "entity": "scheme:213800M7T3CYVZ3ZRT12",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00",
    "unit": "iso4217:NOK"
   }
  },
  "f33338": {
   "value": "190000000",
   "decimals": -6,
   "dimensions": {
    "concept": "ifrs-full:OtherComprehensiveIncomeThatWillNotBeReclassifiedToProfitOrLossBeforeTax",
    "entity": "scheme:213800M7T3CYVZ3ZRT12",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00",
    "unit": "iso4217:NOK"
   }
  },
  "f33342": {
   "value": "328000000",
   "decimals": -6,
   "dimensions": {
    "concept": "ifrs-full:OtherComprehensiveIncomeThatWillNotBeReclassifiedToProfitOrLossBeforeTax",
    "entity": "scheme:213800M7T3CYVZ3ZRT12",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00",
    "unit": "iso4217:NOK"
   }
  },
  "f33357": {
   "value": "-5000000",
   "decimals": -6,
   "dimensions": {
    "concept": "ifrs-full:OtherComprehensiveIncomeBeforeTaxCashFlowHedges",
    "entity": "scheme:213800M7T3CYVZ3ZRT12",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00",
    "unit": "iso4217:NOK"
   }
  },
  "f33361": {
   "value": "52000000",
   "decimals": -6,
   "dimensions": {
    "concept": "ifrs-full:OtherComprehensiveIncomeBeforeTaxCashFlowHedges",
    "entity": "scheme:213800M7T3CYVZ3ZRT12",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00",
    "unit": "iso4217:NOK"
   }
  },
  "f33374": {
   "value": "185000000",
   "decimals": -6,
   "dimensions": {
    "concept": "ifrs-full:OtherComprehensiveIncomeBeforeTax",
    "entity": "scheme:213800M7T3CYVZ3ZRT12",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00",
    "unit": "iso4217:NOK"
   }
  },
  "f33377": {
   "value": "380000000",
   "decimals": -6,
   "dimensions": {
    "concept": "ifrs-full:OtherComprehensiveIncomeBeforeTax",
    "entity": "scheme:213800M7T3CYVZ3ZRT12",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00",
    "unit": "iso4217:NOK"
   }
  },
  "f33391": {
   "value": "40000000",
   "decimals": -6,
   "dimensions": {
    "concept": "ifrs-full:IncomeTaxRelatingToComponentsOfOtherComprehensiveIncome",
    "entity": "scheme:213800M7T3CYVZ3ZRT12",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00",
    "unit": "iso4217:NOK"
   }
  },
  "f33395": {
   "value": "86000000",
   "decimals": -6,
   "dimensions": {
    "concept": "ifrs-full:IncomeTaxRelatingToComponentsOfOtherComprehensiveIncome",
    "entity": "scheme:213800M7T3CYVZ3ZRT12",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00",
    "unit": "iso4217:NOK"
   }
  },
  "f33411": {
   "value": "145000000",
   "decimals": -6,
   "dimensions": {
    "concept": "ifrs-full:OtherComprehensiveIncome",
    "entity": "scheme:213800M7T3CYVZ3ZRT12",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00",
    "unit": "iso4217:NOK"
   }
  },
  "f33415": {
   "value": "294000000",
   "decimals": -6,
   "dimensions": {
    "concept": "ifrs-full:OtherComprehensiveIncome",
    "entity": "scheme:213800M7T3CYVZ3ZRT12",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00",
    "unit": "iso4217:NOK"
   }
  },
  "f33430": {
   "value": "3690000000",
   "decimals": -6,
   "dimensions": {
    "concept": "ifrs-full:ComprehensiveIncome",
    "entity": "scheme:213800M7T3CYVZ3ZRT12",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00",
    "unit": "iso4217:NOK"
   }
  },
  "f33434": {
   "value": "3111000000",
   "decimals": -6,
   "dimensions": {
    "concept": "ifrs-full:ComprehensiveIncome",
    "entity": "scheme:213800M7T3CYVZ3ZRT12",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00",
    "unit": "iso4217:NOK"
   }
  },
  "f33504": {
   "value": "387000000",
   "decimals": -6,
   "dimensions": {
    "concept": "ifrs-full:CashAndBankBalancesAtCentralBanks",
    "entity": "scheme:213800M7T3CYVZ3ZRT12",
    "period": "2024-01-01T00:00:00",
    "unit": "iso4217:NOK"
   }
  },
  "f33508": {
   "value": "143000000",
   "decimals": -6,
   "dimensions": {
    "concept": "ifrs-full:CashAndBankBalancesAtCentralBanks",
    "entity": "scheme:213800M7T3CYVZ3ZRT12",
    "period": "2023-01-01T00:00:00",
    "unit": "iso4217:NOK"
   }
  },
  "f33526": {
   "value": "3154000000",
   "decimals": -6,
   "dimensions": {
    "concept": "ifrs-full:LoansAndAdvancesToBanks",
    "entity": "scheme:213800M7T3CYVZ3ZRT12",
    "period": "2024-01-01T00:00:00",
    "unit": "iso4217:NOK"
   }
  },
  "f33529": {
   "value": "1018000000",
   "decimals": -6,
   "dimensions": {
    "concept": "ifrs-full:LoansAndAdvancesToBanks",
    "entity": "scheme:213800M7T3CYVZ3ZRT12",
    "period": "2023-01-01T00:00:00",
    "unit": "iso4217:NOK"
   }
  },
  "f33544": {
   "value": "255767000000",
   "decimals": -6,
   "dimensions": {
    "concept": "ifrs-full:LoansAndAdvancesToCustomers",
    "entity": "scheme:213800M7T3CYVZ3ZRT12",
    "period": "2024-01-01T00:00:00",
    "unit": "iso4217:NOK"
   }
  },
  "f33548": {
   "value": "224494000000",
   "decimals": -6,
   "dimensions": {
    "concept": "ifrs-full:LoansAndAdvancesToCustomers",
    "entity": "scheme:213800M7T3CYVZ3ZRT12",
    "period": "2023-01-01T00:00:00",
    "unit": "iso4217:NOK"
   }
  },
  "f33564": {
   "value": "560000000",
   "decimals": -6,
   "dimensions": {
    "concept": "SPA:FinancialAssetsAtFairValueThroughProfitOrLossSharesAndOtherSecurities",
    "entity": "scheme:213800M7T3CYVZ3ZRT12",
    "period": "2024-01-01T00:00:00",
    "unit": "iso4217:NOK"
   }
  },
  "f33567": {
   "value": "226000000",
   "decimals": -6,
   "dimensions": {
    "concept": "SPA:FinancialAssetsAtFairValueThroughProfitOrLossSharesAndOtherSecurities",
    "entity": "scheme:213800M7T3CYVZ3ZRT12",
    "period": "2023-01-01T00:00:00",
    "unit": "iso4217:NOK"
   }
  },
  "f33581": {
   "value": "36560000000",
   "decimals": -6,
   "dimensions": {
    "concept": "SPA:CertificatesAndBonds",
    "entity": "scheme:213800M7T3CYVZ3ZRT12",
    "period": "2024-01-01T00:00:00",
    "unit": "iso4217:NOK"
   }
  },
  "f33585": {
   "value": "30825000000",
   "decimals": -6,
   "dimensions": {
    "concept": "SPA:CertificatesAndBonds",
    "entity": "scheme:213800M7T3CYVZ3ZRT12",
    "period": "2023-01-01T00:00:00",
    "unit": "iso4217:NOK"
   }
  },
  "f33599": {
   "value": "5401000000",
   "decimals": -6,
   "dimensions": {
    "concept": "ifrs-full:DerivativeFinancialAssets",
    "entity": "scheme:213800M7T3CYVZ3ZRT12",
    "period": "2024-01-01T00:00:00",
    "unit": "iso4217:NOK"
   }
  },
  "f33603": {
   "value": "2575000000",
   "decimals": -6,
   "dimensions": {
    "concept": "ifrs-full:DerivativeFinancialAssets",
    "entity": "scheme:213800M7T3CYVZ3ZRT12",
    "period": "2023-01-01T00:00:00",
    "unit": "iso4217:NOK"
   }
  },
  "f33628": {
   "value": "2798000000",
   "decimals": -6,
   "dimensions": {
    "concept": "ifrs-full:InvestmentsInAssociatesAccountedForUsingEquityMethod",
    "entity": "scheme:213800M7T3CYVZ3ZRT12",
    "period": "2024-01-01T00:00:00",
    "unit": "iso4217:NOK"
   }
  },
  "f33632": {
   "value": "2586000000",
   "decimals": -6,
   "dimensions": {
    "concept": "ifrs-full:InvestmentsInAssociatesAccountedForUsingEquityMethod",
    "entity": "scheme:213800M7T3CYVZ3ZRT12",
    "period": "2023-01-01T00:00:00",
    "unit": "iso4217:NOK"
   }
  },
  "f33650": {
   "value": "256000000",
   "decimals": -6,
   "dimensions": {
    "concept": "ifrs-full:DeferredTaxAssets",
    "entity": "scheme:213800M7T3CYVZ3ZRT12",
    "period": "2024-01-01T00:00:00",
    "unit": "iso4217:NOK"
   }
  },
  "f33654": {
   "value": "173000000",
   "decimals": -6,
   "dimensions": {
    "concept": "ifrs-full:DeferredTaxAssets",
    "entity": "scheme:213800M7T3CYVZ3ZRT12",
    "period": "2023-01-01T00:00:00",
    "unit": "iso4217:NOK"
   }
  },
  "f33663": {
   "value": "123000000",
   "decimals": -6,
   "dimensions": {
    "concept": "ifrs-full:RecognisedAssetsDefinedBenefitPlan",
    "entity": "scheme:213800M7T3CYVZ3ZRT12",
    "period": "2024-01-01T00:00:00",
    "unit": "iso4217:NOK"
   }
  },
  "f33666": {
   "value": "100000000",
   "decimals": -6,
   "dimensions": {
    "concept": "ifrs-full:RecognisedAssetsDefinedBenefitPlan",
    "entity": "scheme:213800M7T3CYVZ3ZRT12",
    "period": "2023-01-01T00:00:00",
    "unit": "iso4217:NOK"
   }
  },
  "f33679": {
   "value": "252000000",
   "decimals": -6,
   "dimensions": {
    "concept": "ifrs-full:OtherIntangibleAssets",
    "entity": "scheme:213800M7T3CYVZ3ZRT12",
    "period": "2024-01-01T00:00:00",
    "unit": "iso4217:NOK"
   }
  },
  "f33683": {
   "value": "276000000",
   "decimals": -6,
   "dimensions": {
    "concept": "ifrs-full:OtherIntangibleAssets",
    "entity": "scheme:213800M7T3CYVZ3ZRT12",
    "period": "2023-01-01T00:00:00",
    "unit": "iso4217:NOK"
   }
  },
  "f33695": {
   "value": "660000000",
   "decimals": -6,
   "dimensions": {
    "concept": "ifrs-full:PropertyPlantAndEquipment",
    "entity": "scheme:213800M7T3CYVZ3ZRT12",
    "period": "2024-01-01T00:00:00",
    "unit": "iso4217:NOK"
   }
  },
  "f33699": {
   "value": "655000000",
   "decimals": -6,
   "dimensions": {
    "concept": "ifrs-full:PropertyPlantAndEquipment",
    "entity": "scheme:213800M7T3CYVZ3ZRT12",
    "period": "2023-01-01T00:00:00",
    "unit": "iso4217:NOK"
   }
  },
  "f33709": {
   "value": "44000000",
   "decimals": -6,
   "dimensions": {
    "concept": "ifrs-full:Prepayments",
    "entity": "scheme:213800M7T3CYVZ3ZRT12",
    "period": "2024-01-01T00:00:00",
    "unit": "iso4217:NOK"
   }
  },
  "f33713": {
   "value": "107000000",
   "decimals": -6,
   "dimensions": {
    "concept": "ifrs-full:Prepayments",
    "entity": "scheme:213800M7T3CYVZ3ZRT12",
    "period": "2023-01-01T00:00:00",
    "unit": "iso4217:NOK"
   }
  },
  "f33724": {
   "value": "532000000",
   "decimals": -6,
   "dimensions": {
    "concept": "ifrs-full:OtherAssets",
    "entity": "scheme:213800M7T3CYVZ3ZRT12",
    "period": "2024-01-01T00:00:00",
    "unit": "iso4217:NOK"
   }
  },
  "f33728": {
   "value": "633000000",
   "decimals": -6,
   "dimensions": {
    "concept": "ifrs-full:OtherAssets",
    "entity": "scheme:213800M7T3CYVZ3ZRT12",
    "period": "2023-01-01T00:00:00",
    "unit": "iso4217:NOK"
   }
  },
  "f33737": {
   "value": "306495000000",
   "decimals": -6,
   "dimensions": {
    "concept": "ifrs-full:Assets",
    "entity": "scheme:213800M7T3CYVZ3ZRT12",
    "period": "2024-01-01T00:00:00",
    "unit": "iso4217:NOK"
   }
  },
  "f33741": {
   "value": "263812000000",
   "decimals": -6,
   "dimensions": {
    "concept": "ifrs-full:Assets",
    "entity": "scheme:213800M7T3CYVZ3ZRT12",
    "period": "2023-01-01T00:00:00",
    "unit": "iso4217:NOK"
   }
  },
  "f33755": {
   "value": "5454000000",
   "decimals": -6,
   "dimensions": {
    "concept": "ifrs-full:DepositsFromBanks",
    "entity": "scheme:213800M7T3CYVZ3ZRT12",
    "period": "2024-01-01T00:00:00",
    "unit": "iso4217:NOK"
   }
  },
  "f33758": {
   "value": "3095000000",
   "decimals": -6,
   "dimensions": {
    "concept": "ifrs-full:DepositsFromBanks",
    "entity": "scheme:213800M7T3CYVZ3ZRT12",
    "period": "2023-01-01T00:00:00",
    "unit": "iso4217:NOK"
   }
  },
  "f33767": {
   "value": "123599000000",
   "decimals": -6,
   "dimensions": {
    "concept": "ifrs-full:DepositsFromCustomers",
    "entity": "scheme:213800M7T3CYVZ3ZRT12",
    "period": "2024-01-01T00:00:00",
    "unit": "iso4217:NOK"
   }
  },
  "f33771": {
   "value": "112274000000",
   "decimals": -6,
   "dimensions": {
    "concept": "ifrs-full:DepositsFromCustomers",
    "entity": "scheme:213800M7T3CYVZ3ZRT12",
    "period": "2023-01-01T00:00:00",
    "unit": "iso4217:NOK"
   }
  },
  "f33787": {
   "value": "146484000000",
   "decimals": -6,
   "dimensions": {
    "concept": "ifrs-full:DebtSecurities",
    "entity": "scheme:213800M7T3CYVZ3ZRT12",
    "period": "2024-01-01T00:00:00",
    "unit": "iso4217:NOK"
   }
  },
  "f33790": {
   "value": "119836000000",
   "decimals": -6,
   "dimensions": {
    "concept": "ifrs-full:DebtSecurities",
    "entity": "scheme:213800M7T3CYVZ3ZRT12",
    "period": "2023-01-01T00:00:00",
    "unit": "iso4217:NOK"
   }
  },
  "f33805": {
   "value": "1670000000",
   "decimals": -6,
   "dimensions": {
    "concept": "ifrs-full:DerivativeFinancialLiabilities",
    "entity": "scheme:213800M7T3CYVZ3ZRT12",
    "period": "2024-01-01T00:00:00",
    "unit": "iso4217:NOK"
   }
  },
  "f33809": {
   "value": "1922000000",
   "decimals": -6,
   "dimensions": {
    "concept": "ifrs-full:DerivativeFinancialLiabilities",
    "entity": "scheme:213800M7T3CYVZ3ZRT12",
    "period": "2023-01-01T00:00:00",
    "unit": "iso4217:NOK"
   }
  },
  "f33819": {
   "value": "203000000",
   "decimals": -6,
   "dimensions": {
    "concept": "ifrs-full:AccrualsAndDeferredIncomeIncludingContractLiabilities",
    "entity": "scheme:213800M7T3CYVZ3ZRT12",
    "period": "2024-01-01T00:00:00",
    "unit": "iso4217:NOK"
   }
  },
  "f33822": {
   "value": "220000000",
   "decimals": -6,
   "dimensions": {
    "concept": "ifrs-full:AccrualsAndDeferredIncomeIncludingContractLiabilities",
    "entity": "scheme:213800M7T3CYVZ3ZRT12",
    "period": "2023-01-01T00:00:00",
    "unit": "iso4217:NOK"
   }
  },
  "f33834": {
   "value": "167000000",
   "decimals": -6,
   "dimensions": {
    "concept": "ifrs-full:RecognisedLiabilitiesDefinedBenefitPlan",
    "entity": "scheme:213800M7T3CYVZ3ZRT12",
    "period": "2024-01-01T00:00:00",
    "unit": "iso4217:NOK"
   }
  },
  "f33838": {
   "value": "139000000",
   "decimals": -6,
   "dimensions": {
    "concept": "ifrs-full:RecognisedLiabilitiesDefinedBenefitPlan",
    "entity": "scheme:213800M7T3CYVZ3ZRT12",
    "period": "2023-01-01T00:00:00",
    "unit": "iso4217:NOK"
   }
  },
  "f33858": {
   "value": "149000000",
   "decimals": -6,
   "dimensions": {
    "concept": "ifrs-full:Provisions",
    "entity": "scheme:213800M7T3CYVZ3ZRT12",
    "period": "2024-01-01T00:00:00",
    "unit": "iso4217:NOK"
   }
  },
  "f33861": {
   "value": "96000000",
   "decimals": -6,
   "dimensions": {
    "concept": "ifrs-full:Provisions",
    "entity": "scheme:213800M7T3CYVZ3ZRT12",
    "period": "2023-01-01T00:00:00",
    "unit": "iso4217:NOK"
   }
  },
  "f33872": {
   "value": "1028000000",
   "decimals": -6,
   "dimensions": {
    "concept": "ifrs-full:CurrentTaxLiabilities",
    "entity": "scheme:213800M7T3CYVZ3ZRT12",
    "period": "2024-01-01T00:00:00",
    "unit": "iso4217:NOK"
   }
  },
  "f33876": {
   "value": "736000000",
   "decimals": -6,
   "dimensions": {
    "concept": "ifrs-full:CurrentTaxLiabilities",
    "entity": "scheme:213800M7T3CYVZ3ZRT12",
    "period": "2023-01-01T00:00:00",
    "unit": "iso4217:NOK"
   }
  },
  "f33888": {
   "value": "2165000000",
   "decimals": -6,
   "dimensions": {
    "concept": "ifrs-full:SubordinatedLiabilities",
    "entity": "scheme:213800M7T3CYVZ3ZRT12",
    "period": "2024-01-01T00:00:00",
    "unit": "iso4217:NOK"
   }
  },
  "f33891": {
   "value": "1855000000",
   "decimals": -6,
   "dimensions": {
    "concept": "ifrs-full:SubordinatedLiabilities",
    "entity": "scheme:213800M7T3CYVZ3ZRT12",
    "period": "2023-01-01T00:00:00",
    "unit": "iso4217:NOK"
   }
  },
  "f33902": {
   "value": "2152000000",
   "decimals": -6,
   "dimensions": {
    "concept": "ifrs-full:OtherLiabilities",
    "entity": "scheme:213800M7T3CYVZ3ZRT12",
    "period": "2024-01-01T00:00:00",
    "unit": "iso4217:NOK"
   }
  },
  "f33906": {
   "value": "1746000000",
   "decimals": -6,
   "dimensions": {
    "concept": "ifrs-full:OtherLiabilities",
    "entity": "scheme:213800M7T3CYVZ3ZRT12",
    "period": "2023-01-01T00:00:00",
    "unit": "iso4217:NOK"
   }
  },
  "f33917": {
   "value": "283071000000",
   "decimals": -6,
   "dimensions": {
    "concept": "ifrs-full:Liabilities",
    "entity": "scheme:213800M7T3CYVZ3ZRT12",
    "period": "2024-01-01T00:00:00",
    "unit": "iso4217:NOK"
   }
  },
  "f33921": {
   "value": "241919000000",
   "decimals": -6,
   "dimensions": {
    "concept": "ifrs-full:Liabilities",
    "entity": "scheme:213800M7T3CYVZ3ZRT12",
    "period": "2023-01-01T00:00:00",
    "unit": "iso4217:NOK"
   }
  },
  "f33935": {
   "value": "2743000000",
   "decimals": -6,
   "dimensions": {
    "concept": "ifrs-full:IssuedCapital",
    "entity": "scheme:213800M7T3CYVZ3ZRT12",
    "period": "2024-01-01T00:00:00",
    "unit": "iso4217:NOK"
   }
  },
  "f33938": {
   "value": "2743000000",
   "decimals": -6,
   "dimensions": {
    "concept": "ifrs-full:IssuedCapital",
    "entity": "scheme:213800M7T3CYVZ3ZRT12",
    "period": "2023-01-01T00:00:00",
    "unit": "iso4217:NOK"
   }
  },
  "f33947": {
   "value": "1000000",
   "decimals": -6,
   "dimensions": {
    "concept": "ifrs-full:TreasuryShares",
    "entity": "scheme:213800M7T3CYVZ3ZRT12",
    "period": "2024-01-01T00:00:00",
    "unit": "iso4217:NOK"
   }
  },
  "f33950": {
   "value": "3000000",
   "decimals": -6,
   "dimensions": {
    "concept": "ifrs-full:TreasuryShares",
    "entity": "scheme:213800M7T3CYVZ3ZRT12",
    "period": "2023-01-01T00:00:00",
    "unit": "iso4217:NOK"
   }
  },
  "f33961": {
   "value": "1966000000",
   "decimals": -6,
   "dimensions": {
    "concept": "ifrs-full:SharePremium",
    "entity": "scheme:213800M7T3CYVZ3ZRT12",
    "period": "2024-01-01T00:00:00",
    "unit": "iso4217:NOK"
   }
  },
  "f33964": {
   "value": "1966000000",
   "decimals": -6,
   "dimensions": {
    "concept": "ifrs-full:SharePremium",
    "entity": "scheme:213800M7T3CYVZ3ZRT12",
    "period": "2023-01-01T00:00:00",
    "unit": "iso4217:NOK"
   }
  },
  "f33975": {
   "value": "3612000000",
   "decimals": -6,
   "dimensions": {
    "concept": "SPA:DividendEqualisationReserve",
    "entity": "scheme:213800M7T3CYVZ3ZRT12",
    "period": "2024-01-01T00:00:00",
    "unit": "iso4217:NOK"
   }
  },
  "f33979": {
   "value": "3127000000",
   "decimals": -6,
   "dimensions": {
    "concept": "SPA:DividendEqualisationReserve",
    "entity": "scheme:213800M7T3CYVZ3ZRT12",
    "period": "2023-01-01T00:00:00",
    "unit": "iso4217:NOK"
   }
  },
  "f33989": {
   "value": "8320000000",
   "decimals": -6,
   "dimensions": {
    "concept": "SPA:IssuedCapitalSharePremiumTreasurySharesAndDividendEqualisationReserve",
    "entity": "scheme:213800M7T3CYVZ3ZRT12",
    "period": "2024-01-01T00:00:00",
    "unit": "iso4217:NOK"
   }
  },
  "f33992": {
   "value": "7833000000",
   "decimals": -6,
   "dimensions": {
    "concept": "SPA:IssuedCapitalSharePremiumTreasurySharesAndDividendEqualisationReserve",
    "entity": "scheme:213800M7T3CYVZ3ZRT12",
    "period": "2023-01-01T00:00:00",
    "unit": "iso4217:NOK"
   }
  },
  "f34003": {
   "value": "11951000000",
   "decimals": -6,
   "dimensions": {
    "concept": "SPA:PrimaryCapitalReserve",
    "entity": "scheme:213800M7T3CYVZ3ZRT12",
    "period": "2024-01-01T00:00:00",
    "unit": "iso4217:NOK"
   }
  },
  "f34007": {
   "value": "11254000000",
   "decimals": -6,
   "dimensions": {
    "concept": "SPA:PrimaryCapitalReserve",
    "entity": "scheme:213800M7T3CYVZ3ZRT12",
    "period": "2023-01-01T00:00:00",
    "unit": "iso4217:NOK"
   }
  },
  "f34016": {
   "value": "150000000",
   "decimals": -6,
   "dimensions": {
    "concept": "SPA:GiftReserve",
    "entity": "scheme:213800M7T3CYVZ3ZRT12",
    "period": "2024-01-01T00:00:00",
    "unit": "iso4217:NOK"
   }
  },
  "f34019": {
   "value": "150000000",
   "decimals": -6,
   "dimensions": {
    "concept": "SPA:GiftReserve",
    "entity": "scheme:213800M7T3CYVZ3ZRT12",
    "period": "2023-01-01T00:00:00",
    "unit": "iso4217:NOK"
   }
  },
  "f34028": {
   "value": "36000000",
   "decimals": -6,
   "dimensions": {
    "concept": "SPA:CompensationReserve",
    "entity": "scheme:213800M7T3CYVZ3ZRT12",
    "period": "2024-01-01T00:00:00",
    "unit": "iso4217:NOK"
   }
  },
  "f34031": {
   "value": "36000000",
   "decimals": -6,
   "dimensions": {
    "concept": "SPA:CompensationReserve",
    "entity": "scheme:213800M7T3CYVZ3ZRT12",
    "period": "2023-01-01T00:00:00",
    "unit": "iso4217:NOK"
   }
  },
  "f34040": {
   "value": "12136000000",
   "decimals": -6,
   "dimensions": {
    "concept": "SPA:PrimaryCapitalReserveGiftReserveAndCompensationReserve",
    "entity": "scheme:213800M7T3CYVZ3ZRT12",
    "period": "2024-01-01T00:00:00",
    "unit": "iso4217:NOK"
   }
  },
  "f34043": {
   "value": "11440000000",
   "decimals": -6,
   "dimensions": {
    "concept": "SPA:PrimaryCapitalReserveGiftReserveAndCompensationReserve",
    "entity": "scheme:213800M7T3CYVZ3ZRT12",
    "period": "2023-01-01T00:00:00",
    "unit": "iso4217:NOK"
   }
  },
  "f34060": {
   "value": "1299000000",
   "decimals": -6,
   "dimensions": {
    "concept": "SPA:MiscellaneousOtherReserves",
    "entity": "scheme:213800M7T3CYVZ3ZRT12",
    "period": "2024-01-01T00:00:00",
    "unit": "iso4217:NOK"
   }
  },
  "f34063": {
   "value": "1189000000",
   "decimals": -6,
   "dimensions": {
    "concept": "SPA:MiscellaneousOtherReserves",
    "entity": "scheme:213800M7T3CYVZ3ZRT12",
    "period": "2023-01-01T00:00:00",
    "unit": "iso4217:NOK"
   }
  },
  "f34074": {
   "value": "1668000000",
   "decimals": -6,
   "dimensions": {
    "concept": "SPA:HybridCapital",
    "entity": "scheme:213800M7T3CYVZ3ZRT12",
    "period": "2024-01-01T00:00:00",
    "unit": "iso4217:NOK"
   }
  },
  "f34077": {
   "value": "1431000000",
   "decimals": -6,
   "dimensions": {
    "concept": "SPA:HybridCapital",
    "entity": "scheme:213800M7T3CYVZ3ZRT12",
    "period": "2023-01-01T00:00:00",
    "unit": "iso4217:NOK"
   }
  },
  "f34087": {
   "value": "23423000000",
   "decimals": -6,
   "dimensions": {
    "concept": "ifrs-full:Equity",
    "entity": "scheme:213800M7T3CYVZ3ZRT12",
    "period": "2024-01-01T00:00:00",
    "unit": "iso4217:NOK"
   }
  },
  "f34091": {
   "value": "21893000000",
   "decimals": -6,
   "dimensions": {
    "concept": "ifrs-full:Equity",
    "entity": "scheme:213800M7T3CYVZ3ZRT12",
    "period": "2023-01-01T00:00:00",
    "unit": "iso4217:NOK"
   }
  },
  "f34101": {
   "value": "306495000000",
   "decimals": -6,
   "dimensions": {
    "concept": "ifrs-full:EquityAndLiabilities",
    "entity": "scheme:213800M7T3CYVZ3ZRT12",
    "period": "2024-01-01T00:00:00",
    "unit": "iso4217:NOK"
   }
  },
  "f34105": {
   "value": "263812000000",
   "decimals": -6,
   "dimensions": {
    "concept": "ifrs-full:EquityAndLiabilities",
    "entity": "scheme:213800M7T3CYVZ3ZRT12",
    "period": "2023-01-01T00:00:00",
    "unit": "iso4217:NOK"
   }
  },
  "s10_notes__6__5": {
   "value": "<span style=\"display:inherit;clear:left;\">K<span class=\"_ _2\"></span>o<span class=\"_ _1\"></span>n<span class=\"_ _0\"></span>ta<span class=\"_ _1\"></span>n<span class=\"_ _0\"></span>ts<span class=\"_ _2\"></span>tr<span class=\"_ _1\"></span>\u00f8<span class=\"_ _1\"></span>m<span class=\"_ _2\"></span>o<span class=\"_ _1\"></span>p<span class=\"_ _2\"></span>p<span class=\"_ _1\"></span>s<span class=\"_ _1\"></span>t<span class=\"_ _1\"></span>illin<span class=\"_ _2\"></span>g</span><span style=\"display:inherit;clear:left;\">Kontantstr\u00f8msoppstillingen er<span class=\"_ _1\"></span> inndelt i k<span class=\"_ _1\"></span>ontantstr\u00f8mmer fr<span class=\"_ _1\"></span>a </span><span style=\"display:inherit;clear:left;\">operasjonelle aktivite<span class=\"_ _1\"></span>ter<span class=\"_ _2\"></span>, in<span class=\"_ _1\"></span>vesteringsaktivitet<span class=\"_ _1\"></span>er og </span><span style=\"display:inherit;clear:left;\">finansierings aktiviteter<span class=\"_ _0\"></span>. </span><span style=\"display:inherit;clear:left;\">Kontan<span class=\"_ _1\"></span>tstr\u00f8mmer f<span class=\"_ _1\"></span>ra oper<span class=\"_ _1\"></span>asjonelle aktivitet<span class=\"_ _1\"></span>er er<span class=\"_ _1\"></span> definert som </span><span style=\"display:inherit;clear:left;\">l\u00f8pende rent<span class=\"_ _1\"></span>er<span class=\"_ _2\"></span>, geb<span class=\"_ _1\"></span>yrer<span class=\"_ _1\"></span> og pr<span class=\"_ _1\"></span>ovisjoner<span class=\"_ _1\"></span> knyttet til<span class=\"_ _1\"></span> utl\u00e5n-<span class=\"_ _2\"></span>, innl\u00e5n- </span><span style=\"display:inherit;clear:left;\">og innskuddsvirksomheten, ren<span class=\"_ _1\"></span>ter kn<span class=\"_ _1\"></span>yttet til likviditets-</span><span style=\"display:inherit;clear:left;\">beholdningen, utbetalt<span class=\"_ _1\"></span>e driftskostna<span class=\"_ _1\"></span>der samt<span class=\"_ _1\"></span> betalte ska<span class=\"_ _1\"></span>tter </span><span style=\"display:inherit;clear:left;\">og avg<span class=\"_ _8\"></span>ifte<span class=\"_ _8\"></span>r<span class=\"_ _2\"></span>. </span><span style=\"display:inherit;clear:left;\">Inv<span class=\"_ _1\"></span>esteringsaktiviteter<span class=\"_ _1\"></span> er definert som k<span class=\"_ _1\"></span>ontantstr<span class=\"_ _1\"></span>\u00f8mmer </span><span style=\"display:inherit;clear:left;\">knyttet til<span class=\"_ _1\"></span> endringer<span class=\"_ _1\"></span> i nominelt<span class=\"_ _1\"></span> utl\u00e5nsvolu<span class=\"_ _1\"></span>m, kon<span class=\"_ _1\"></span>tantstr\u00f8mmer<span class=\"_ _1\"></span> </span><span style=\"display:inherit;clear:left;\">fra<span class=\"_ _1\"></span> ver<span class=\"_ _1\"></span>dipapirtransaksjoner<span class=\"_ _1\"></span> samt in<span class=\"_ _1\"></span>vestering<span class=\"_ _1\"></span>er i v<span class=\"_ _1\"></span>arige<span class=\"_ _1\"></span> </span><span style=\"display:inherit;clear:left;\">driftsmidler<span class=\"_ _1\"></span>.<span class=\"_ _1\"></span> </span><span style=\"display:inherit;clear:left;\">Kontan<span class=\"_ _1\"></span>tstr\u00f8mmer kn<span class=\"_ _1\"></span>yttet til i<span class=\"_ _1\"></span>nnl\u00e5nsvolu<span class=\"_ _1\"></span>m, opptak og<span class=\"_ _1\"></span> </span><span style=\"display:inherit;clear:left;\">nedbetaling a<span class=\"_ _1\"></span>v ansv<span class=\"_ _1\"></span>arlige<span class=\"_ _1\"></span> l\u00e5n og obligasjonsg<span class=\"_ _8\"></span>jeld samt<span class=\"_ _1\"></span> </span><span style=\"display:inherit;clear:left;\">egenkapital er<span class=\"_ _1\"></span> definert som finansieringsaktivitet<span class=\"_ _1\"></span>er<span class=\"_ _2\"></span>.</span>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForCashFlowsExplanatory",
    "language": "no",
    "entity": "scheme:213800M7T3CYVZ3ZRT12",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "f34222": {
   "value": "13773000000",
   "decimals": -6,
   "dimensions": {
    "concept": "ifrs-full:ReceiptsFromRoyaltiesFeesCommissionsAndOtherRevenue",
    "entity": "scheme:213800M7T3CYVZ3ZRT12",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00",
    "unit": "iso4217:NOK"
   }
  },
  "f34226": {
   "value": "7624000000",
   "decimals": -6,
   "dimensions": {
    "concept": "ifrs-full:ReceiptsFromRoyaltiesFeesCommissionsAndOtherRevenue",
    "entity": "scheme:213800M7T3CYVZ3ZRT12",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00",
    "unit": "iso4217:NOK"
   }
  },
  "f34246": {
   "value": "3424000000",
   "decimals": -6,
   "dimensions": {
    "concept": "SPA:PaymentsForRoyaltiesFeesCommissionsAndOtherRevenueClassifiedAsOperatingActivities",
    "entity": "scheme:213800M7T3CYVZ3ZRT12",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00",
    "unit": "iso4217:NOK"
   }
  },
  "f34250": {
   "value": "1262000000",
   "decimals": -6,
   "dimensions": {
    "concept": "SPA:PaymentsForRoyaltiesFeesCommissionsAndOtherRevenueClassifiedAsOperatingActivities",
    "entity": "scheme:213800M7T3CYVZ3ZRT12",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00",
    "unit": "iso4217:NOK"
   }
  },
  "f34263": {
   "value": "1432000000",
   "decimals": -6,
   "dimensions": {
    "concept": "SPA:ReceiptsFromInterestOnOtherInvestmentsClassifiedAsOperatingActivities",
    "entity": "scheme:213800M7T3CYVZ3ZRT12",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00",
    "unit": "iso4217:NOK"
   }
  },
  "f34267": {
   "value": "512000000",
   "decimals": -6,
   "dimensions": {
    "concept": "SPA:ReceiptsFromInterestOnOtherInvestmentsClassifiedAsOperatingActivities",
    "entity": "scheme:213800M7T3CYVZ3ZRT12",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00",
    "unit": "iso4217:NOK"
   }
  },
  "f34283": {
   "value": "5684000000",
   "decimals": -6,
   "dimensions": {
    "concept": "SPA:PaymentsForInterestOnOtherDepositsClassifiedAsOperatingActivities",
    "entity": "scheme:213800M7T3CYVZ3ZRT12",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00",
    "unit": "iso4217:NOK"
   }
  },
  "f34287": {
   "value": "2304000000",
   "decimals": -6,
   "dimensions": {
    "concept": "SPA:PaymentsForInterestOnOtherDepositsClassifiedAsOperatingActivities",
    "entity": "scheme:213800M7T3CYVZ3ZRT12",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00",
    "unit": "iso4217:NOK"
   }
  },
  "f34303": {
   "value": "719000000",
   "decimals": -6,
   "dimensions": {
    "concept": "ifrs-full:PaymentsToSuppliersForGoodsAndServices",
    "entity": "scheme:213800M7T3CYVZ3ZRT12",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00",
    "unit": "iso4217:NOK"
   }
  },
  "f34307": {
   "value": "665000000",
   "decimals": -6,
   "dimensions": {
    "concept": "ifrs-full:PaymentsToSuppliersForGoodsAndServices",
    "entity": "scheme:213800M7T3CYVZ3ZRT12",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00",
    "unit": "iso4217:NOK"
   }
  },
  "f34326": {
   "value": "865000000",
   "decimals": -6,
   "dimensions": {
    "concept": "ifrs-full:PaymentsToAndOnBehalfOfEmployees",
    "entity": "scheme:213800M7T3CYVZ3ZRT12",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00",
    "unit": "iso4217:NOK"
   }
  },
  "f34329": {
   "value": "829000000",
   "decimals": -6,
   "dimensions": {
    "concept": "ifrs-full:PaymentsToAndOnBehalfOfEmployees",
    "entity": "scheme:213800M7T3CYVZ3ZRT12",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00",
    "unit": "iso4217:NOK"
   }
  },
  "f34342": {
   "value": "725000000",
   "decimals": -6,
   "dimensions": {
    "concept": "ifrs-full:IncomeTaxesPaidClassifiedAsOperatingActivities",
    "entity": "scheme:213800M7T3CYVZ3ZRT12",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00",
    "unit": "iso4217:NOK"
   }
  },
  "f34346": {
   "value": "694000000",
   "decimals": -6,
   "dimensions": {
    "concept": "ifrs-full:IncomeTaxesPaidClassifiedAsOperatingActivities",
    "entity": "scheme:213800M7T3CYVZ3ZRT12",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00",
    "unit": "iso4217:NOK"
   }
  },
  "f34361": {
   "value": "3789000000",
   "decimals": -6,
   "dimensions": {
    "concept": "ifrs-full:CashFlowsFromUsedInOperatingActivities",
    "entity": "scheme:213800M7T3CYVZ3ZRT12",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00",
    "unit": "iso4217:NOK"
   }
  },
  "f34365": {
   "value": "2381000000",
   "decimals": -6,
   "dimensions": {
    "concept": "ifrs-full:CashFlowsFromUsedInOperatingActivities",
    "entity": "scheme:213800M7T3CYVZ3ZRT12",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00",
    "unit": "iso4217:NOK"
   }
  },
  "f34383": {
   "value": "30843000000",
   "decimals": -6,
   "dimensions": {
    "concept": "SPA:IncreaseDecreaseInLoansAndAdvancesToCustomersClassifiedAsInvestingActivities",
    "entity": "scheme:213800M7T3CYVZ3ZRT12",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00",
    "unit": "iso4217:NOK"
   }
  },
  "f34387": {
   "value": "19299000000",
   "decimals": -6,
   "dimensions": {
    "concept": "SPA:IncreaseDecreaseInLoansAndAdvancesToCustomersClassifiedAsInvestingActivities",
    "entity": "scheme:213800M7T3CYVZ3ZRT12",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00",
    "unit": "iso4217:NOK"
   }
  },
  "f34405": {
   "value": "1985000000",
   "decimals": -6,
   "dimensions": {
    "concept": "SPA:IncreaseDecreaseInLoansAndAdvancesToBanksClassifiedAsInvestingActivities",
    "entity": "scheme:213800M7T3CYVZ3ZRT12",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00",
    "unit": "iso4217:NOK"
   }
  },
  "f34409": {
   "value": "-247000000",
   "decimals": -6,
   "dimensions": {
    "concept": "SPA:IncreaseDecreaseInLoansAndAdvancesToBanksClassifiedAsInvestingActivities",
    "entity": "scheme:213800M7T3CYVZ3ZRT12",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00",
    "unit": "iso4217:NOK"
   }
  },
  "f34422": {
   "value": "3000000",
   "decimals": -6,
   "dimensions": {
    "concept": "ifrs-full:DividendsReceivedClassifiedAsInvestingActivities",
    "entity": "scheme:213800M7T3CYVZ3ZRT12",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00",
    "unit": "iso4217:NOK"
   }
  },
  "f34426": {
   "value": "37000000",
   "decimals": -6,
   "dimensions": {
    "concept": "ifrs-full:DividendsReceivedClassifiedAsInvestingActivities",
    "entity": "scheme:213800M7T3CYVZ3ZRT12",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00",
    "unit": "iso4217:NOK"
   }
  },
  "f34442": {
   "value": "288000000",
   "decimals": -6,
   "dimensions": {
    "concept": "SPA:IncreaseDecreaseInFinancialAssetsAtFairValueThroughProfitOrLossSharesClassifiedAsInvestingActivities",
    "entity": "scheme:213800M7T3CYVZ3ZRT12",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00",
    "unit": "iso4217:NOK"
   }
  },
  "f34446": {
   "value": "13000000",
   "decimals": -6,
   "dimensions": {
    "concept": "SPA:IncreaseDecreaseInFinancialAssetsAtFairValueThroughProfitOrLossSharesClassifiedAsInvestingActivities",
    "entity": "scheme:213800M7T3CYVZ3ZRT12",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00",
    "unit": "iso4217:NOK"
   }
  },
  "f34466": {
   "value": "5668000000",
   "decimals": -6,
   "dimensions": {
    "concept": "SPA:IncreaseDecreaseInOtherFinancialAssetsClassifiedAsInvestingActivities",
    "entity": "scheme:213800M7T3CYVZ3ZRT12",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00",
    "unit": "iso4217:NOK"
   }
  },
  "f34470": {
   "value": "7794000000",
   "decimals": -6,
   "dimensions": {
    "concept": "SPA:IncreaseDecreaseInOtherFinancialAssetsClassifiedAsInvestingActivities",
    "entity": "scheme:213800M7T3CYVZ3ZRT12",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00",
    "unit": "iso4217:NOK"
   }
  },
  "f34486": {
   "value": "139000000",
   "decimals": -6,
   "dimensions": {
    "concept": "SPA:DividendsReceivedAndContributionsFromGroupCompaniesClassifiedAsInvestingActivities",
    "entity": "scheme:213800M7T3CYVZ3ZRT12",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00",
    "unit": "iso4217:NOK"
   }
  },
  "f34490": {
   "value": "148000000",
   "decimals": -6,
   "dimensions": {
    "concept": "SPA:DividendsReceivedAndContributionsFromGroupCompaniesClassifiedAsInvestingActivities",
    "entity": "scheme:213800M7T3CYVZ3ZRT12",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00",
    "unit": "iso4217:NOK"
   }
  },
  "f34510": {
   "value": "136000000",
   "decimals": -6,
   "dimensions": {
    "concept": "SPA:PaymentsRelatedToInvestmentsInTsDsClassifiedAsInvestingActivities",
    "entity": "scheme:213800M7T3CYVZ3ZRT12",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00",
    "unit": "iso4217:NOK"
   }
  },
  "f34514": {
   "value": "284000000",
   "decimals": -6,
   "dimensions": {
    "concept": "SPA:PaymentsRelatedToInvestmentsInTsDsClassifiedAsInvestingActivities",
    "entity": "scheme:213800M7T3CYVZ3ZRT12",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00",
    "unit": "iso4217:NOK"
   }
  },
  "f34530": {
   "value": "0",
   "decimals": -6,
   "dimensions": {
    "concept": "ifrs-full:CashFlowsFromLosingControlOfSubsidiariesOrOtherBusinessesClassifiedAsInvestingActivities",
    "entity": "scheme:213800M7T3CYVZ3ZRT12",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00",
    "unit": "iso4217:NOK"
   }
  },
  "f34534": {
   "value": "141000000",
   "decimals": -6,
   "dimensions": {
    "concept": "ifrs-full:CashFlowsFromLosingControlOfSubsidiariesOrOtherBusinessesClassifiedAsInvestingActivities",
    "entity": "scheme:213800M7T3CYVZ3ZRT12",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00",
    "unit": "iso4217:NOK"
   }
  },
  "f34546": {
   "value": "6000000",
   "decimals": -6,
   "dimensions": {
    "concept": "ifrs-full:ProceedsFromSalesOfPropertyPlantAndEquipmentClassifiedAsInvestingActivities",
    "entity": "scheme:213800M7T3CYVZ3ZRT12",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00",
    "unit": "iso4217:NOK"
   }
  },
  "f34549": {
   "value": "0",
   "decimals": -6,
   "dimensions": {
    "concept": "ifrs-full:ProceedsFromSalesOfPropertyPlantAndEquipmentClassifiedAsInvestingActivities",
    "entity": "scheme:213800M7T3CYVZ3ZRT12",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00",
    "unit": "iso4217:NOK"
   }
  },
  "f34564": {
   "value": "107000000",
   "decimals": -6,
   "dimensions": {
    "concept": "ifrs-full:PurchaseOfPropertyPlantAndEquipmentClassifiedAsInvestingActivities",
    "entity": "scheme:213800M7T3CYVZ3ZRT12",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00",
    "unit": "iso4217:NOK"
   }
  },
  "f34567": {
   "value": "123000000",
   "decimals": -6,
   "dimensions": {
    "concept": "ifrs-full:PurchaseOfPropertyPlantAndEquipmentClassifiedAsInvestingActivities",
    "entity": "scheme:213800M7T3CYVZ3ZRT12",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00",
    "unit": "iso4217:NOK"
   }
  },
  "f34579": {
   "value": "27000000",
   "decimals": -6,
   "dimensions": {
    "concept": "SPA:CashReceivedPaidFromMergerClassifiedAsInvestingActivities",
    "entity": "scheme:213800M7T3CYVZ3ZRT12",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00",
    "unit": "iso4217:NOK"
   }
  },
  "f34599": {
   "value": "-38880000000",
   "decimals": -6,
   "dimensions": {
    "concept": "ifrs-full:CashFlowsFromUsedInInvestingActivities",
    "entity": "scheme:213800M7T3CYVZ3ZRT12",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00",
    "unit": "iso4217:NOK"
   }
  },
  "f34603": {
   "value": "-26914000000",
   "decimals": -6,
   "dimensions": {
    "concept": "ifrs-full:CashFlowsFromUsedInInvestingActivities",
    "entity": "scheme:213800M7T3CYVZ3ZRT12",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00",
    "unit": "iso4217:NOK"
   }
  },
  "f34621": {
   "value": "11377000000",
   "decimals": -6,
   "dimensions": {
    "concept": "SPA:IncreaseDecreaseInDepositsFromCustomersClassifiedAsFinancingActivities",
    "entity": "scheme:213800M7T3CYVZ3ZRT12",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00",
    "unit": "iso4217:NOK"
   }
  },
  "f34624": {
   "value": "19537000000",
   "decimals": -6,
   "dimensions": {
    "concept": "SPA:IncreaseDecreaseInDepositsFromCustomersClassifiedAsFinancingActivities",
    "entity": "scheme:213800M7T3CYVZ3ZRT12",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00",
    "unit": "iso4217:NOK"
   }
  },
  "f34641": {
   "value": "4238000000",
   "decimals": -6,
   "dimensions": {
    "concept": "SPA:IncreaseDecreaseInDepositsFromBanksAndLiabilitiesDueToCentralBanksClassifiedAsFinancingActivities",
    "entity": "scheme:213800M7T3CYVZ3ZRT12",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00",
    "unit": "iso4217:NOK"
   }
  },
  "f34644": {
   "value": "-4100000000",
   "decimals": -6,
   "dimensions": {
    "concept": "SPA:IncreaseDecreaseInDepositsFromBanksAndLiabilitiesDueToCentralBanksClassifiedAsFinancingActivities",
    "entity": "scheme:213800M7T3CYVZ3ZRT12",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00",
    "unit": "iso4217:NOK"
   }
  },
  "f34659": {
   "value": "1747000000",
   "decimals": -6,
   "dimensions": {
    "concept": "SPA:ProceedsFromIssueOfSubordinatedLiabilitiesAndAdditionalTier1CapitalClassifiedAsFinancingActivities",
    "entity": "scheme:213800M7T3CYVZ3ZRT12",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00",
    "unit": "iso4217:NOK"
   }
  },
  "f34663": {
   "value": "300000000",
   "decimals": -6,
   "dimensions": {
    "concept": "SPA:ProceedsFromIssueOfSubordinatedLiabilitiesAndAdditionalTier1CapitalClassifiedAsFinancingActivities",
    "entity": "scheme:213800M7T3CYVZ3ZRT12",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00",
    "unit": "iso4217:NOK"
   }
  },
  "f34682": {
   "value": "1215000000",
   "decimals": -6,
   "dimensions": {
    "concept": "SPA:RepaymentsOfSubordinatedLiabilitiesAndAdditionalTier1CapitalClassifiedAsFinancingActivities",
    "entity": "scheme:213800M7T3CYVZ3ZRT12",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00",
    "unit": "iso4217:NOK"
   }
  },
  "f34686": {
   "value": "412000000",
   "decimals": -6,
   "dimensions": {
    "concept": "SPA:RepaymentsOfSubordinatedLiabilitiesAndAdditionalTier1CapitalClassifiedAsFinancingActivities",
    "entity": "scheme:213800M7T3CYVZ3ZRT12",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00",
    "unit": "iso4217:NOK"
   }
  },
  "f34700": {
   "value": "37188000000",
   "decimals": -6,
   "dimensions": {
    "concept": "ifrs-full:ProceedsFromIssueOfBondsNotesAndDebentures",
    "entity": "scheme:213800M7T3CYVZ3ZRT12",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00",
    "unit": "iso4217:NOK"
   }
  },
  "f34704": {
   "value": "29679000000",
   "decimals": -6,
   "dimensions": {
    "concept": "ifrs-full:ProceedsFromIssueOfBondsNotesAndDebentures",
    "entity": "scheme:213800M7T3CYVZ3ZRT12",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00",
    "unit": "iso4217:NOK"
   }
  },
  "f34720": {
   "value": "16068000000",
   "decimals": -6,
   "dimensions": {
    "concept": "ifrs-full:RepaymentsOfBondsNotesAndDebentures",
    "entity": "scheme:213800M7T3CYVZ3ZRT12",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00",
    "unit": "iso4217:NOK"
   }
  },
  "f34723": {
   "value": "19632000000",
   "decimals": -6,
   "dimensions": {
    "concept": "ifrs-full:RepaymentsOfBondsNotesAndDebentures",
    "entity": "scheme:213800M7T3CYVZ3ZRT12",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00",
    "unit": "iso4217:NOK"
   }
  },
  "f34742": {
   "value": "1932000000",
   "decimals": -6,
   "dimensions": {
    "concept": "SPA:GiftsAndDividendsPaidClassifiedAsFinancingActivities",
    "entity": "scheme:213800M7T3CYVZ3ZRT12",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00",
    "unit": "iso4217:NOK"
   }
  },
  "f34745": {
   "value": "1028000000",
   "decimals": -6,
   "dimensions": {
    "concept": "SPA:GiftsAndDividendsPaidClassifiedAsFinancingActivities",
    "entity": "scheme:213800M7T3CYVZ3ZRT12",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00",
    "unit": "iso4217:NOK"
   }
  },
  "f34759": {
   "value": "35335000000",
   "decimals": -6,
   "dimensions": {
    "concept": "ifrs-full:CashFlowsFromUsedInFinancingActivities",
    "entity": "scheme:213800M7T3CYVZ3ZRT12",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00",
    "unit": "iso4217:NOK"
   }
  },
  "f34763": {
   "value": "24342000000",
   "decimals": -6,
   "dimensions": {
    "concept": "ifrs-full:CashFlowsFromUsedInFinancingActivities",
    "entity": "scheme:213800M7T3CYVZ3ZRT12",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00",
    "unit": "iso4217:NOK"
   }
  },
  "f34777": {
   "value": "244000000",
   "decimals": -6,
   "dimensions": {
    "concept": "ifrs-full:IncreaseDecreaseInCashAndCashEquivalents",
    "entity": "scheme:213800M7T3CYVZ3ZRT12",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00",
    "unit": "iso4217:NOK"
   }
  },
  "f34781": {
   "value": "-191000000",
   "decimals": -6,
   "dimensions": {
    "concept": "ifrs-full:IncreaseDecreaseInCashAndCashEquivalents",
    "entity": "scheme:213800M7T3CYVZ3ZRT12",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00",
    "unit": "iso4217:NOK"
   }
  },
  "f34794": {
   "value": "244000000",
   "decimals": -6,
   "dimensions": {
    "concept": "ifrs-full:IncreaseDecreaseInCashAndCashEquivalents",
    "entity": "scheme:213800M7T3CYVZ3ZRT12",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00",
    "unit": "iso4217:NOK"
   }
  },
  "f34798": {
   "value": "-191000000",
   "decimals": -6,
   "dimensions": {
    "concept": "ifrs-full:IncreaseDecreaseInCashAndCashEquivalents",
    "entity": "scheme:213800M7T3CYVZ3ZRT12",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00",
    "unit": "iso4217:NOK"
   }
  },
  "f34812": {
   "value": "143000000",
   "decimals": -6,
   "dimensions": {
    "concept": "ifrs-full:CashAndCashEquivalents",
    "entity": "scheme:213800M7T3CYVZ3ZRT12",
    "period": "2023-01-01T00:00:00",
    "unit": "iso4217:NOK"
   }
  },
  "f34816": {
   "value": "334000000",
   "decimals": -6,
   "dimensions": {
    "concept": "ifrs-full:CashAndCashEquivalents",
    "entity": "scheme:213800M7T3CYVZ3ZRT12",
    "period": "2022-01-01T00:00:00",
    "unit": "iso4217:NOK"
   }
  },
  "f34830": {
   "value": "387000000",
   "decimals": -6,
   "dimensions": {
    "concept": "ifrs-full:CashAndCashEquivalents",
    "entity": "scheme:213800M7T3CYVZ3ZRT12",
    "period": "2024-01-01T00:00:00",
    "unit": "iso4217:NOK"
   }
  },
  "f34834": {
   "value": "143000000",
   "decimals": -6,
   "dimensions": {
    "concept": "ifrs-full:CashAndCashEquivalents",
    "entity": "scheme:213800M7T3CYVZ3ZRT12",
    "period": "2023-01-01T00:00:00",
    "unit": "iso4217:NOK"
   }
  },
  "s10_notes__6__8": {
   "value": "<span style=\"display:inherit;clear:left;\">E<span class=\"_ _8\"></span>nd<span class=\"_ _8\"></span>r<span class=\"_ _38\"></span>i<span class=\"_ _8\"></span>nger<span class=\"_ _8\"></span> i<span class=\"_ _a\"></span> egen<span class=\"_ _a\"></span>kapit<span class=\"_ _8\"></span>a<span class=\"_ _8\"></span>l</span><span style=\"display:inherit;clear:left;\">Egenkapitalen best\u00e5r a<span class=\"_ _1\"></span>v eier<span class=\"_ _1\"></span>andelskapital, grunnf<span class=\"_ _1\"></span>ondskapital, </span><span style=\"display:inherit;clear:left;\">fond f<span class=\"_ _1\"></span>or ur<span class=\"_ _1\"></span>ealiserte ge<span class=\"_ _1\"></span>vinster<span class=\"_ _0\"></span>, annen egenkapital i<span class=\"_ _1\"></span> konsern<span class=\"_ _1\"></span> og </span><span style=\"display:inherit;clear:left;\">hybridkapital.</span><span style=\"display:inherit;clear:left;\">Eierandelskapitalen<span class=\"_ _1\"></span> omfa<span class=\"_ _1\"></span>tter<span class=\"_ _1\"></span> innbetalt kapital<span class=\"_ _1\"></span> knyttet til<span class=\"_ _1\"></span> </span><span style=\"display:inherit;clear:left;\">egenkapitalbevis,<span class=\"_ _1\"></span> egne egenkapitalbevis,<span class=\"_ _1\"></span> overku<span class=\"_ _1\"></span>rsfond<span class=\"_ _1\"></span> og </span><span style=\"display:inherit;clear:left;\">utjevningsfond. Grunnf<span class=\"_ _1\"></span>ondskapitalen omfa<span class=\"_ _1\"></span>tter innbetalt og </span><span style=\"display:inherit;clear:left;\">opptjent<span class=\"_ _1\"></span> grunnf<span class=\"_ _1\"></span>ondskapital,<span class=\"_ _1\"></span> gav<span class=\"_ _1\"></span>ef<span class=\"_ _1\"></span>ond og<span class=\"_ _1\"></span> kompensasjonsf<span class=\"_ _1\"></span>ond. </span><span style=\"display:inherit;clear:left;\">I mor<span class=\"_ _8\"></span>ban<span class=\"_ _8\"></span>ken be<span class=\"_ _8\"></span>st\u00e5<span class=\"_ _8\"></span>r fond fo<span class=\"_ _8\"></span>r ureal<span class=\"_ _8\"></span>iser<span class=\"_ _8\"></span>te gev<span class=\"_ _8\"></span>inste<span class=\"_ _8\"></span>r av verdi-</span><span style=\"display:inherit;clear:left;\">\u00f8kning p\u00e5 finansielle instrumenter der prinsipp<span class=\"_ _1\"></span> for v<span class=\"_ _1\"></span>erdi<span class=\"_ _1\"></span>-</span><span style=\"display:inherit;clear:left;\">fast<span class=\"_ _8\"></span>set<span class=\"_ _8\"></span>tels<span class=\"_ _8\"></span>e ette<span class=\"_ _8\"></span>r IFRS av<span class=\"_ _8\"></span>vike<span class=\"_ _8\"></span>r fra prin<span class=\"_ _8\"></span>sip<span class=\"_ _8\"></span>p etter n<span class=\"_ _8\"></span>ors<span class=\"_ _8\"></span>k God </span><span style=\"display:inherit;clear:left;\">Regnskapssk<span class=\"_ _8\"></span>ikk.</span><span style=\"display:inherit;clear:left;\">Annen egenkapital<span class=\"_ _1\"></span> i k<span class=\"_ _1\"></span>onsernet er<span class=\"_ _1\"></span> opptjent<span class=\"_ _1\"></span> egenkapital i<span class=\"_ _1\"></span> </span><span style=\"display:inherit;clear:left;\">datter<span class=\"_ _1\"></span>selskaper og tilkn<span class=\"_ _1\"></span>yttede selskaper etter<span class=\"_ _1\"></span> konsern<span class=\"_ _1\"></span>-</span><span style=\"display:inherit;clear:left;\">etablering, samt eff<span class=\"_ _1\"></span>ekten a<span class=\"_ _1\"></span>v egenkapi<span class=\"_ _1\"></span>talelimineringer i<span class=\"_ _1\"></span> </span><span style=\"display:inherit;clear:left;\">konsernregnskapet.</span><span style=\"display:inherit;clear:left;\">V<span class=\"_ _1\"></span>ed kj\u00f8p a<span class=\"_ _1\"></span>v egne egenkapitalbevis blir kj\u00f8pesummen inklusive </span><span style=\"display:inherit;clear:left;\">direkte k<span class=\"_ _1\"></span>ostnader<span class=\"_ _1\"></span> f\u00f8rt som r<span class=\"_ _1\"></span>eduksjon i<span class=\"_ _1\"></span> egenkapitalen.<span class=\"_ _1\"></span> </span><span style=\"display:inherit;clear:left;\">P\u00e5lyd<span class=\"_ _8\"></span>end<span class=\"_ _8\"></span>e av egne e<span class=\"_ _8\"></span>genk<span class=\"_ _8\"></span>apit<span class=\"_ _8\"></span>alb<span class=\"_ _8\"></span>evis f\u00f8<span class=\"_ _8\"></span>res op<span class=\"_ _8\"></span>p som n<span class=\"_ _8\"></span>egat<span class=\"_ _8\"></span>iv<span class=\"_ _8\"></span>t </span><span style=\"display:inherit;clear:left;\">bel\u00f8p p\u00e5 egen<span class=\"_ _1\"></span> linje under<span class=\"_ _1\"></span> eierandelskapitalen.<span class=\"_ _1\"></span> </span><span style=\"display:inherit;clear:left;\">Hybridkapital<span class=\"_ _1\"></span> best\u00e5r av<span class=\"_ _1\"></span> fondsobligas<span class=\"_ _1\"></span>joner som i<span class=\"_ _1\"></span>kke<span class=\"_ _1\"></span> tilfr<span class=\"_ _1\"></span>eds<span class=\"_ _1\"></span>-</span><span style=\"display:inherit;clear:left;\">stiller definisjonen av<span class=\"_ _1\"></span> finansiell forpliktelse i henhold til IAS 3<span class=\"_ _1\"></span>2. </span><span style=\"display:inherit;clear:left;\">P\u00e5l\u00f8pte<span class=\"_ _1\"></span> ren<span class=\"_ _1\"></span>ter p\u00e5<span class=\"_ _1\"></span> hybridkapi<span class=\"_ _1\"></span>tal disponeres ti<span class=\"_ _1\"></span>l h<span class=\"_ _1\"></span>ybridkapitalen. </span><span style=\"display:inherit;clear:left;\">Rentene<span class=\"_ _1\"></span> presenter<span class=\"_ _1\"></span>es brutto<span class=\"_ _1\"></span> i oppstillingen<span class=\"_ _1\"></span> ov<span class=\"_ _1\"></span>er endring<span class=\"_ _1\"></span> i </span><span style=\"display:inherit;clear:left;\">egenkapitalen.</span><span style=\"display:inherit;clear:left;\">\u00c5rets o<span class=\"_ _1\"></span>ver<span class=\"_ _1\"></span>skudd tilordnes<span class=\"_ _1\"></span> eierne a<span class=\"_ _1\"></span>v egenk<span class=\"_ _1\"></span>apitalbevis og<span class=\"_ _1\"></span> </span><span style=\"display:inherit;clear:left;\">grunnfondskapi<span class=\"_ _1\"></span>talen etter f<span class=\"_ _1\"></span>orholdet mellom<span class=\"_ _1\"></span> eierandels<span class=\"_ _1\"></span>-</span><span style=\"display:inherit;clear:left;\">kapitalen og grunn<span class=\"_ _1\"></span>fondskapitalen. Den<span class=\"_ _1\"></span> del a<span class=\"_ _1\"></span>v \u00e5r<span class=\"_ _1\"></span>ets o<span class=\"_ _1\"></span>verskudd<span class=\"_ _1\"></span> </span><span style=\"display:inherit;clear:left;\">som er tilor<span class=\"_ _1\"></span>dnet eier<span class=\"_ _1\"></span>andelskapitalen og<span class=\"_ _1\"></span> som ikk<span class=\"_ _1\"></span>e utbetales som </span><span style=\"display:inherit;clear:left;\">utbytte tilf<span class=\"_ _1\"></span>\u00f8res u<span class=\"_ _1\"></span>tjevningsf<span class=\"_ _1\"></span>ondet.</span><span style=\"display:inherit;clear:left;\">Foresl\u00e5t<span class=\"_ _8\"></span>t utby<span class=\"_ _8\"></span>tte o<span class=\"_ _8\"></span>g gaver ti<span class=\"_ _8\"></span>l utdel<span class=\"_ _8\"></span>ing k<span class=\"_ _8\"></span>las<span class=\"_ _8\"></span>sif<span class=\"_ _8\"></span>ise<span class=\"_ _8\"></span>res i kons<span class=\"_ _8\"></span>ern-</span><span style=\"display:inherit;clear:left;\">balansen som en<span class=\"_ _1\"></span> del a<span class=\"_ _1\"></span>v eg<span class=\"_ _1\"></span>enkapitalen til endelig<span class=\"_ _1\"></span> vedtak i<span class=\"_ _1\"></span> </span><span style=\"display:inherit;clear:left;\">genera<span class=\"_ _1\"></span>l <span class=\"_ _4\"></span>forsamlingen. I<span class=\"_ _1\"></span> selskapsr<span class=\"_ _1\"></span>egnskapet er utb<span class=\"_ _1\"></span>ytte og ga<span class=\"_ _1\"></span>v<span class=\"_ _1\"></span>er </span><span style=\"display:inherit;clear:left;\">reg<span class=\"_ _8\"></span>nska<span class=\"_ _8\"></span>psf\u00f8r<span class=\"_ _8\"></span>t i de<span class=\"_ _8\"></span>t regn<span class=\"_ _8\"></span>skap<span class=\"_ _8\"></span>s\u00e5ret s<span class=\"_ _8\"></span>om er g<span class=\"_ _8\"></span>run<span class=\"_ _8\"></span>nla<span class=\"_ _8\"></span>g for </span><span style=\"display:inherit;clear:left;\">utdelingen.</span>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForDividendsExplanatory",
    "language": "no",
    "entity": "scheme:213800M7T3CYVZ3ZRT12",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "s10_notes__6__7": {
   "value": "<span style=\"display:inherit;clear:left;\">E<span class=\"_ _8\"></span>nd<span class=\"_ _8\"></span>r<span class=\"_ _38\"></span>i<span class=\"_ _8\"></span>nger<span class=\"_ _8\"></span> i<span class=\"_ _a\"></span> egen<span class=\"_ _a\"></span>kapit<span class=\"_ _8\"></span>a<span class=\"_ _8\"></span>l</span><span style=\"display:inherit;clear:left;\">Egenkapitalen best\u00e5r a<span class=\"_ _1\"></span>v eier<span class=\"_ _1\"></span>andelskapital, grunnf<span class=\"_ _1\"></span>ondskapital, </span><span style=\"display:inherit;clear:left;\">fond f<span class=\"_ _1\"></span>or ur<span class=\"_ _1\"></span>ealiserte ge<span class=\"_ _1\"></span>vinster<span class=\"_ _0\"></span>, annen egenkapital i<span class=\"_ _1\"></span> konsern<span class=\"_ _1\"></span> og </span><span style=\"display:inherit;clear:left;\">hybridkapital.</span><span style=\"display:inherit;clear:left;\">Eierandelskapitalen<span class=\"_ _1\"></span> omfa<span class=\"_ _1\"></span>tter<span class=\"_ _1\"></span> innbetalt kapital<span class=\"_ _1\"></span> knyttet til<span class=\"_ _1\"></span> </span><span style=\"display:inherit;clear:left;\">egenkapitalbevis,<span class=\"_ _1\"></span> egne egenkapitalbevis,<span class=\"_ _1\"></span> overku<span class=\"_ _1\"></span>rsfond<span class=\"_ _1\"></span> og </span><span style=\"display:inherit;clear:left;\">utjevningsfond. Grunnf<span class=\"_ _1\"></span>ondskapitalen omfa<span class=\"_ _1\"></span>tter innbetalt og </span><span style=\"display:inherit;clear:left;\">opptjent<span class=\"_ _1\"></span> grunnf<span class=\"_ _1\"></span>ondskapital,<span class=\"_ _1\"></span> gav<span class=\"_ _1\"></span>ef<span class=\"_ _1\"></span>ond og<span class=\"_ _1\"></span> kompensasjonsf<span class=\"_ _1\"></span>ond. </span><span style=\"display:inherit;clear:left;\">I mor<span class=\"_ _8\"></span>ban<span class=\"_ _8\"></span>ken be<span class=\"_ _8\"></span>st\u00e5<span class=\"_ _8\"></span>r fond fo<span class=\"_ _8\"></span>r ureal<span class=\"_ _8\"></span>iser<span class=\"_ _8\"></span>te gev<span class=\"_ _8\"></span>inste<span class=\"_ _8\"></span>r av verdi-</span><span style=\"display:inherit;clear:left;\">\u00f8kning p\u00e5 finansielle instrumenter der prinsipp<span class=\"_ _1\"></span> for v<span class=\"_ _1\"></span>erdi<span class=\"_ _1\"></span>-</span><span style=\"display:inherit;clear:left;\">fast<span class=\"_ _8\"></span>set<span class=\"_ _8\"></span>tels<span class=\"_ _8\"></span>e ette<span class=\"_ _8\"></span>r IFRS av<span class=\"_ _8\"></span>vike<span class=\"_ _8\"></span>r fra prin<span class=\"_ _8\"></span>sip<span class=\"_ _8\"></span>p etter n<span class=\"_ _8\"></span>ors<span class=\"_ _8\"></span>k God </span><span style=\"display:inherit;clear:left;\">Regnskapssk<span class=\"_ _8\"></span>ikk.</span><span style=\"display:inherit;clear:left;\">Annen egenkapital<span class=\"_ _1\"></span> i k<span class=\"_ _1\"></span>onsernet er<span class=\"_ _1\"></span> opptjent<span class=\"_ _1\"></span> egenkapital i<span class=\"_ _1\"></span> </span><span style=\"display:inherit;clear:left;\">datter<span class=\"_ _1\"></span>selskaper og tilkn<span class=\"_ _1\"></span>yttede selskaper etter<span class=\"_ _1\"></span> konsern<span class=\"_ _1\"></span>-</span><span style=\"display:inherit;clear:left;\">etablering, samt eff<span class=\"_ _1\"></span>ekten a<span class=\"_ _1\"></span>v egenkapi<span class=\"_ _1\"></span>talelimineringer i<span class=\"_ _1\"></span> </span><span style=\"display:inherit;clear:left;\">konsernregnskapet.</span><span style=\"display:inherit;clear:left;\">V<span class=\"_ _1\"></span>ed kj\u00f8p a<span class=\"_ _1\"></span>v egne egenkapitalbevis blir kj\u00f8pesummen inklusive </span><span style=\"display:inherit;clear:left;\">direkte k<span class=\"_ _1\"></span>ostnader<span class=\"_ _1\"></span> f\u00f8rt som r<span class=\"_ _1\"></span>eduksjon i<span class=\"_ _1\"></span> egenkapitalen.<span class=\"_ _1\"></span> </span><span style=\"display:inherit;clear:left;\">P\u00e5lyd<span class=\"_ _8\"></span>end<span class=\"_ _8\"></span>e av egne e<span class=\"_ _8\"></span>genk<span class=\"_ _8\"></span>apit<span class=\"_ _8\"></span>alb<span class=\"_ _8\"></span>evis f\u00f8<span class=\"_ _8\"></span>res op<span class=\"_ _8\"></span>p som n<span class=\"_ _8\"></span>egat<span class=\"_ _8\"></span>iv<span class=\"_ _8\"></span>t </span><span style=\"display:inherit;clear:left;\">bel\u00f8p p\u00e5 egen<span class=\"_ _1\"></span> linje under<span class=\"_ _1\"></span> eierandelskapitalen.<span class=\"_ _1\"></span> </span><span style=\"display:inherit;clear:left;\">Hybridkapital<span class=\"_ _1\"></span> best\u00e5r av<span class=\"_ _1\"></span> fondsobligas<span class=\"_ _1\"></span>joner som i<span class=\"_ _1\"></span>kke<span class=\"_ _1\"></span> tilfr<span class=\"_ _1\"></span>eds<span class=\"_ _1\"></span>-</span><span style=\"display:inherit;clear:left;\">stiller definisjonen av<span class=\"_ _1\"></span> finansiell forpliktelse i henhold til IAS 3<span class=\"_ _1\"></span>2. </span><span style=\"display:inherit;clear:left;\">P\u00e5l\u00f8pte<span class=\"_ _1\"></span> ren<span class=\"_ _1\"></span>ter p\u00e5<span class=\"_ _1\"></span> hybridkapi<span class=\"_ _1\"></span>tal disponeres ti<span class=\"_ _1\"></span>l h<span class=\"_ _1\"></span>ybridkapitalen. </span><span style=\"display:inherit;clear:left;\">Rentene<span class=\"_ _1\"></span> presenter<span class=\"_ _1\"></span>es brutto<span class=\"_ _1\"></span> i oppstillingen<span class=\"_ _1\"></span> ov<span class=\"_ _1\"></span>er endring<span class=\"_ _1\"></span> i </span><span style=\"display:inherit;clear:left;\">egenkapitalen.</span><span style=\"display:inherit;clear:left;\">\u00c5rets o<span class=\"_ _1\"></span>ver<span class=\"_ _1\"></span>skudd tilordnes<span class=\"_ _1\"></span> eierne a<span class=\"_ _1\"></span>v egenk<span class=\"_ _1\"></span>apitalbevis og<span class=\"_ _1\"></span> </span><span style=\"display:inherit;clear:left;\">grunnfondskapi<span class=\"_ _1\"></span>talen etter f<span class=\"_ _1\"></span>orholdet mellom<span class=\"_ _1\"></span> eierandels<span class=\"_ _1\"></span>-</span><span style=\"display:inherit;clear:left;\">kapitalen og grunn<span class=\"_ _1\"></span>fondskapitalen. Den<span class=\"_ _1\"></span> del a<span class=\"_ _1\"></span>v \u00e5r<span class=\"_ _1\"></span>ets o<span class=\"_ _1\"></span>verskudd<span class=\"_ _1\"></span> </span><span style=\"display:inherit;clear:left;\">som er tilor<span class=\"_ _1\"></span>dnet eier<span class=\"_ _1\"></span>andelskapitalen og<span class=\"_ _1\"></span> som ikk<span class=\"_ _1\"></span>e utbetales som </span><span style=\"display:inherit;clear:left;\">utbytte tilf<span class=\"_ _1\"></span>\u00f8res u<span class=\"_ _1\"></span>tjevningsf<span class=\"_ _1\"></span>ondet.</span><span style=\"display:inherit;clear:left;\">Foresl\u00e5t<span class=\"_ _8\"></span>t utby<span class=\"_ _8\"></span>tte o<span class=\"_ _8\"></span>g gaver ti<span class=\"_ _8\"></span>l utdel<span class=\"_ _8\"></span>ing k<span class=\"_ _8\"></span>las<span class=\"_ _8\"></span>sif<span class=\"_ _8\"></span>ise<span class=\"_ _8\"></span>res i kons<span class=\"_ _8\"></span>ern-</span><span style=\"display:inherit;clear:left;\">balansen som en<span class=\"_ _1\"></span> del a<span class=\"_ _1\"></span>v eg<span class=\"_ _1\"></span>enkapitalen til endelig<span class=\"_ _1\"></span> vedtak i<span class=\"_ _1\"></span> </span><span style=\"display:inherit;clear:left;\">genera<span class=\"_ _1\"></span>l <span class=\"_ _4\"></span>forsamlingen. I<span class=\"_ _1\"></span> selskapsr<span class=\"_ _1\"></span>egnskapet er utb<span class=\"_ _1\"></span>ytte og ga<span class=\"_ _1\"></span>v<span class=\"_ _1\"></span>er </span><span style=\"display:inherit;clear:left;\">reg<span class=\"_ _8\"></span>nska<span class=\"_ _8\"></span>psf\u00f8r<span class=\"_ _8\"></span>t i de<span class=\"_ _8\"></span>t regn<span class=\"_ _8\"></span>skap<span class=\"_ _8\"></span>s\u00e5ret s<span class=\"_ _8\"></span>om er g<span class=\"_ _8\"></span>run<span class=\"_ _8\"></span>nla<span class=\"_ _8\"></span>g for </span><span style=\"display:inherit;clear:left;\">utdelingen.</span>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForEarningsPerShareExplanatory",
    "language": "no",
    "entity": "scheme:213800M7T3CYVZ3ZRT12",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "s10_notes__6__6": {
   "value": "<span style=\"display:inherit;clear:left;\">E<span class=\"_ _8\"></span>nd<span class=\"_ _8\"></span>r<span class=\"_ _38\"></span>i<span class=\"_ _8\"></span>nger<span class=\"_ _8\"></span> i<span class=\"_ _a\"></span> egen<span class=\"_ _a\"></span>kapit<span class=\"_ _8\"></span>a<span class=\"_ _8\"></span>l</span><span style=\"display:inherit;clear:left;\">Egenkapitalen best\u00e5r a<span class=\"_ _1\"></span>v eier<span class=\"_ _1\"></span>andelskapital, grunnf<span class=\"_ _1\"></span>ondskapital, </span><span style=\"display:inherit;clear:left;\">fond f<span class=\"_ _1\"></span>or ur<span class=\"_ _1\"></span>ealiserte ge<span class=\"_ _1\"></span>vinster<span class=\"_ _0\"></span>, annen egenkapital i<span class=\"_ _1\"></span> konsern<span class=\"_ _1\"></span> og </span><span style=\"display:inherit;clear:left;\">hybridkapital.</span><span style=\"display:inherit;clear:left;\">Eierandelskapitalen<span class=\"_ _1\"></span> omfa<span class=\"_ _1\"></span>tter<span class=\"_ _1\"></span> innbetalt kapital<span class=\"_ _1\"></span> knyttet til<span class=\"_ _1\"></span> </span><span style=\"display:inherit;clear:left;\">egenkapitalbevis,<span class=\"_ _1\"></span> egne egenkapitalbevis,<span class=\"_ _1\"></span> overku<span class=\"_ _1\"></span>rsfond<span class=\"_ _1\"></span> og </span><span style=\"display:inherit;clear:left;\">utjevningsfond. Grunnf<span class=\"_ _1\"></span>ondskapitalen omfa<span class=\"_ _1\"></span>tter innbetalt og </span><span style=\"display:inherit;clear:left;\">opptjent<span class=\"_ _1\"></span> grunnf<span class=\"_ _1\"></span>ondskapital,<span class=\"_ _1\"></span> gav<span class=\"_ _1\"></span>ef<span class=\"_ _1\"></span>ond og<span class=\"_ _1\"></span> kompensasjonsf<span class=\"_ _1\"></span>ond. </span><span style=\"display:inherit;clear:left;\">I mor<span class=\"_ _8\"></span>ban<span class=\"_ _8\"></span>ken be<span class=\"_ _8\"></span>st\u00e5<span class=\"_ _8\"></span>r fond fo<span class=\"_ _8\"></span>r ureal<span class=\"_ _8\"></span>iser<span class=\"_ _8\"></span>te gev<span class=\"_ _8\"></span>inste<span class=\"_ _8\"></span>r av verdi-</span><span style=\"display:inherit;clear:left;\">\u00f8kning p\u00e5 finansielle instrumenter der prinsipp<span class=\"_ _1\"></span> for v<span class=\"_ _1\"></span>erdi<span class=\"_ _1\"></span>-</span><span style=\"display:inherit;clear:left;\">fast<span class=\"_ _8\"></span>set<span class=\"_ _8\"></span>tels<span class=\"_ _8\"></span>e ette<span class=\"_ _8\"></span>r IFRS av<span class=\"_ _8\"></span>vike<span class=\"_ _8\"></span>r fra prin<span class=\"_ _8\"></span>sip<span class=\"_ _8\"></span>p etter n<span class=\"_ _8\"></span>ors<span class=\"_ _8\"></span>k God </span><span style=\"display:inherit;clear:left;\">Regnskapssk<span class=\"_ _8\"></span>ikk.</span><span style=\"display:inherit;clear:left;\">Annen egenkapital<span class=\"_ _1\"></span> i k<span class=\"_ _1\"></span>onsernet er<span class=\"_ _1\"></span> opptjent<span class=\"_ _1\"></span> egenkapital i<span class=\"_ _1\"></span> </span><span style=\"display:inherit;clear:left;\">datter<span class=\"_ _1\"></span>selskaper og tilkn<span class=\"_ _1\"></span>yttede selskaper etter<span class=\"_ _1\"></span> konsern<span class=\"_ _1\"></span>-</span><span style=\"display:inherit;clear:left;\">etablering, samt eff<span class=\"_ _1\"></span>ekten a<span class=\"_ _1\"></span>v egenkapi<span class=\"_ _1\"></span>talelimineringer i<span class=\"_ _1\"></span> </span><span style=\"display:inherit;clear:left;\">konsernregnskapet.</span><span style=\"display:inherit;clear:left;\">V<span class=\"_ _1\"></span>ed kj\u00f8p a<span class=\"_ _1\"></span>v egne egenkapitalbevis blir kj\u00f8pesummen inklusive </span><span style=\"display:inherit;clear:left;\">direkte k<span class=\"_ _1\"></span>ostnader<span class=\"_ _1\"></span> f\u00f8rt som r<span class=\"_ _1\"></span>eduksjon i<span class=\"_ _1\"></span> egenkapitalen.<span class=\"_ _1\"></span> </span><span style=\"display:inherit;clear:left;\">P\u00e5lyd<span class=\"_ _8\"></span>end<span class=\"_ _8\"></span>e av egne e<span class=\"_ _8\"></span>genk<span class=\"_ _8\"></span>apit<span class=\"_ _8\"></span>alb<span class=\"_ _8\"></span>evis f\u00f8<span class=\"_ _8\"></span>res op<span class=\"_ _8\"></span>p som n<span class=\"_ _8\"></span>egat<span class=\"_ _8\"></span>iv<span class=\"_ _8\"></span>t </span><span style=\"display:inherit;clear:left;\">bel\u00f8p p\u00e5 egen<span class=\"_ _1\"></span> linje under<span class=\"_ _1\"></span> eierandelskapitalen.<span class=\"_ _1\"></span> </span><span style=\"display:inherit;clear:left;\">Hybridkapital<span class=\"_ _1\"></span> best\u00e5r av<span class=\"_ _1\"></span> fondsobligas<span class=\"_ _1\"></span>joner som i<span class=\"_ _1\"></span>kke<span class=\"_ _1\"></span> tilfr<span class=\"_ _1\"></span>eds<span class=\"_ _1\"></span>-</span><span style=\"display:inherit;clear:left;\">stiller definisjonen av<span class=\"_ _1\"></span> finansiell forpliktelse i henhold til IAS 3<span class=\"_ _1\"></span>2. </span><span style=\"display:inherit;clear:left;\">P\u00e5l\u00f8pte<span class=\"_ _1\"></span> ren<span class=\"_ _1\"></span>ter p\u00e5<span class=\"_ _1\"></span> hybridkapi<span class=\"_ _1\"></span>tal disponeres ti<span class=\"_ _1\"></span>l h<span class=\"_ _1\"></span>ybridkapitalen. </span><span style=\"display:inherit;clear:left;\">Rentene<span class=\"_ _1\"></span> presenter<span class=\"_ _1\"></span>es brutto<span class=\"_ _1\"></span> i oppstillingen<span class=\"_ _1\"></span> ov<span class=\"_ _1\"></span>er endring<span class=\"_ _1\"></span> i </span><span style=\"display:inherit;clear:left;\">egenkapitalen.</span><span style=\"display:inherit;clear:left;\">\u00c5rets o<span class=\"_ _1\"></span>ver<span class=\"_ _1\"></span>skudd tilordnes<span class=\"_ _1\"></span> eierne a<span class=\"_ _1\"></span>v egenk<span class=\"_ _1\"></span>apitalbevis og<span class=\"_ _1\"></span> </span><span style=\"display:inherit;clear:left;\">grunnfondskapi<span class=\"_ _1\"></span>talen etter f<span class=\"_ _1\"></span>orholdet mellom<span class=\"_ _1\"></span> eierandels<span class=\"_ _1\"></span>-</span><span style=\"display:inherit;clear:left;\">kapitalen og grunn<span class=\"_ _1\"></span>fondskapitalen. Den<span class=\"_ _1\"></span> del a<span class=\"_ _1\"></span>v \u00e5r<span class=\"_ _1\"></span>ets o<span class=\"_ _1\"></span>verskudd<span class=\"_ _1\"></span> </span><span style=\"display:inherit;clear:left;\">som er tilor<span class=\"_ _1\"></span>dnet eier<span class=\"_ _1\"></span>andelskapitalen og<span class=\"_ _1\"></span> som ikk<span class=\"_ _1\"></span>e utbetales som </span><span style=\"display:inherit;clear:left;\">utbytte tilf<span class=\"_ _1\"></span>\u00f8res u<span class=\"_ _1\"></span>tjevningsf<span class=\"_ _1\"></span>ondet.</span><span style=\"display:inherit;clear:left;\">Foresl\u00e5t<span class=\"_ _8\"></span>t utby<span class=\"_ _8\"></span>tte o<span class=\"_ _8\"></span>g gaver ti<span class=\"_ _8\"></span>l utdel<span class=\"_ _8\"></span>ing k<span class=\"_ _8\"></span>las<span class=\"_ _8\"></span>sif<span class=\"_ _8\"></span>ise<span class=\"_ _8\"></span>res i kons<span class=\"_ _8\"></span>ern-</span><span style=\"display:inherit;clear:left;\">balansen som en<span class=\"_ _1\"></span> del a<span class=\"_ _1\"></span>v eg<span class=\"_ _1\"></span>enkapitalen til endelig<span class=\"_ _1\"></span> vedtak i<span class=\"_ _1\"></span> </span><span style=\"display:inherit;clear:left;\">genera<span class=\"_ _1\"></span>l <span class=\"_ _4\"></span>forsamlingen. I<span class=\"_ _1\"></span> selskapsr<span class=\"_ _1\"></span>egnskapet er utb<span class=\"_ _1\"></span>ytte og ga<span class=\"_ _1\"></span>v<span class=\"_ _1\"></span>er </span><span style=\"display:inherit;clear:left;\">reg<span class=\"_ _8\"></span>nska<span class=\"_ _8\"></span>psf\u00f8r<span class=\"_ _8\"></span>t i de<span class=\"_ _8\"></span>t regn<span class=\"_ _8\"></span>skap<span class=\"_ _8\"></span>s\u00e5ret s<span class=\"_ _8\"></span>om er g<span class=\"_ _8\"></span>run<span class=\"_ _8\"></span>nla<span class=\"_ _8\"></span>g for </span><span style=\"display:inherit;clear:left;\">utdelingen.</span>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForIssuedCapitalExplanatory",
    "language": "no",
    "entity": "scheme:213800M7T3CYVZ3ZRT12",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "f35022": {
   "value": "2683000000",
   "decimals": -6,
   "dimensions": {
    "concept": "ifrs-full:Equity",
    "entity": "scheme:213800M7T3CYVZ3ZRT12",
    "period": "2022-01-01T00:00:00",
    "ifrs-full:ComponentsOfEquityAxis": "ifrs-full:IssuedCapitalMember",
    "unit": "iso4217:NOK"
   }
  },
  "f35026": {
   "value": "-5000000",
   "decimals": -6,
   "dimensions": {
    "concept": "ifrs-full:Equity",
    "entity": "scheme:213800M7T3CYVZ3ZRT12",
    "period": "2022-01-01T00:00:00",
    "ifrs-full:ComponentsOfEquityAxis": "ifrs-full:TreasurySharesMember",
    "unit": "iso4217:NOK"
   }
  },
  "f35030": {
   "value": "1837000000",
   "decimals": -6,
   "dimensions": {
    "concept": "ifrs-full:Equity",
    "entity": "scheme:213800M7T3CYVZ3ZRT12",
    "period": "2022-01-01T00:00:00",
    "ifrs-full:ComponentsOfEquityAxis": "ifrs-full:SharePremiumMember",
    "unit": "iso4217:NOK"
   }
  },
  "f35034": {
   "value": "2499000000",
   "decimals": -6,
   "dimensions": {
    "concept": "ifrs-full:Equity",
    "entity": "scheme:213800M7T3CYVZ3ZRT12",
    "period": "2022-01-01T00:00:00",
    "ifrs-full:ComponentsOfEquityAxis": "SPA:DividendEqualisationReserveMember",
    "unit": "iso4217:NOK"
   }
  },
  "f35038": {
   "value": "10366000000",
   "decimals": -6,
   "dimensions": {
    "concept": "ifrs-full:Equity",
    "entity": "scheme:213800M7T3CYVZ3ZRT12",
    "period": "2022-01-01T00:00:00",
    "ifrs-full:ComponentsOfEquityAxis": "SPA:PrimaryCapitalReserveMember",
    "unit": "iso4217:NOK"
   }
  },
  "f35042": {
   "value": "150000000",
   "decimals": -6,
   "dimensions": {
    "concept": "ifrs-full:Equity",
    "entity": "scheme:213800M7T3CYVZ3ZRT12",
    "period": "2022-01-01T00:00:00",
    "ifrs-full:ComponentsOfEquityAxis": "SPA:GiftReserveMember",
    "unit": "iso4217:NOK"
   }
  },
  "f35045": {
   "value": "14000000",
   "decimals": -6,
   "dimensions": {
    "concept": "ifrs-full:Equity",
    "entity": "scheme:213800M7T3CYVZ3ZRT12",
    "period": "2022-01-01T00:00:00",
    "ifrs-full:ComponentsOfEquityAxis": "SPA:CompensationReserveMember",
    "unit": "iso4217:NOK"
   }
  },
  "f35049": {
   "value": "857000000",
   "decimals": -6,
   "dimensions": {
    "concept": "ifrs-full:Equity",
    "entity": "scheme:213800M7T3CYVZ3ZRT12",
    "period": "2022-01-01T00:00:00",
    "ifrs-full:ComponentsOfEquityAxis": "ifrs-full:MiscellaneousOtherReservesMember",
    "unit": "iso4217:NOK"
   }
  },
  "f35052": {
   "value": "1406000000",
   "decimals": -6,
   "dimensions": {
    "concept": "ifrs-full:Equity",
    "entity": "scheme:213800M7T3CYVZ3ZRT12",
    "period": "2022-01-01T00:00:00",
    "ifrs-full:ComponentsOfEquityAxis": "SPA:HybridCapitalMember",
    "unit": "iso4217:NOK"
   }
  },
  "f35056": {
   "value": "19808000000",
   "decimals": -6,
   "dimensions": {
    "concept": "ifrs-full:Equity",
    "entity": "scheme:213800M7T3CYVZ3ZRT12",
    "period": "2022-01-01T00:00:00",
    "unit": "iso4217:NOK"
   }
  },
  "f35061": {
   "value": "1081000000",
   "decimals": -6,
   "dimensions": {
    "concept": "ifrs-full:ProfitLoss",
    "entity": "scheme:213800M7T3CYVZ3ZRT12",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00",
    "ifrs-full:ComponentsOfEquityAxis": "SPA:DividendEqualisationReserveMember",
    "unit": "iso4217:NOK"
   }
  },
  "f35065": {
   "value": "1579000000",
   "decimals": -6,
   "dimensions": {
    "concept": "ifrs-full:ProfitLoss",
    "entity": "scheme:213800M7T3CYVZ3ZRT12",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00",
    "ifrs-full:ComponentsOfEquityAxis": "SPA:PrimaryCapitalReserveMember",
    "unit": "iso4217:NOK"
   }
  },
  "f35069": {
   "value": "98000000",
   "decimals": -6,
   "dimensions": {
    "concept": "ifrs-full:ProfitLoss",
    "entity": "scheme:213800M7T3CYVZ3ZRT12",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00",
    "ifrs-full:ComponentsOfEquityAxis": "ifrs-full:MiscellaneousOtherReservesMember",
    "unit": "iso4217:NOK"
   }
  },
  "f35073": {
   "value": "58000000",
   "decimals": -6,
   "dimensions": {
    "concept": "ifrs-full:ProfitLoss",
    "entity": "scheme:213800M7T3CYVZ3ZRT12",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00",
    "ifrs-full:ComponentsOfEquityAxis": "SPA:HybridCapitalMember",
    "unit": "iso4217:NOK"
   }
  },
  "f35077": {
   "value": "2817000000",
   "decimals": -6,
   "dimensions": {
    "concept": "ifrs-full:ProfitLoss",
    "entity": "scheme:213800M7T3CYVZ3ZRT12",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00",
    "unit": "iso4217:NOK"
   }
  },
  "f35088": {
   "value": "24000000",
   "decimals": -6,
   "dimensions": {
    "concept": "ifrs-full:OtherComprehensiveIncome",
    "entity": "scheme:213800M7T3CYVZ3ZRT12",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00",
    "ifrs-full:ComponentsOfEquityAxis": "SPA:DividendEqualisationReserveMember",
    "unit": "iso4217:NOK"
   }
  },
  "f35092": {
   "value": "36000000",
   "decimals": -6,
   "dimensions": {
    "concept": "ifrs-full:OtherComprehensiveIncome",
    "entity": "scheme:213800M7T3CYVZ3ZRT12",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00",
    "ifrs-full:ComponentsOfEquityAxis": "SPA:PrimaryCapitalReserveMember",
    "unit": "iso4217:NOK"
   }
  },
  "f35096": {
   "value": "234000000",
   "decimals": -6,
   "dimensions": {
    "concept": "ifrs-full:OtherComprehensiveIncome",
    "entity": "scheme:213800M7T3CYVZ3ZRT12",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00",
    "ifrs-full:ComponentsOfEquityAxis": "ifrs-full:MiscellaneousOtherReservesMember",
    "unit": "iso4217:NOK"
   }
  },
  "f35100": {
   "value": "294000000",
   "decimals": -6,
   "dimensions": {
    "concept": "ifrs-full:OtherComprehensiveIncome",
    "entity": "scheme:213800M7T3CYVZ3ZRT12",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00",
    "unit": "iso4217:NOK"
   }
  },
  "f35108": {
   "value": "60000000",
   "decimals": -6,
   "dimensions": {
    "concept": "ifrs-full:IssueOfEquity",
    "entity": "scheme:213800M7T3CYVZ3ZRT12",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00",
    "ifrs-full:ComponentsOfEquityAxis": "ifrs-full:IssuedCapitalMember",
    "unit": "iso4217:NOK"
   }
  },
  "f35112": {
   "value": "129000000",
   "decimals": -6,
   "dimensions": {
    "concept": "ifrs-full:IssueOfEquity",
    "entity": "scheme:213800M7T3CYVZ3ZRT12",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00",
    "ifrs-full:ComponentsOfEquityAxis": "ifrs-full:SharePremiumMember",
    "unit": "iso4217:NOK"
   }
  },
  "f35115": {
   "value": "21000000",
   "decimals": -6,
   "dimensions": {
    "concept": "ifrs-full:IssueOfEquity",
    "entity": "scheme:213800M7T3CYVZ3ZRT12",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00",
    "ifrs-full:ComponentsOfEquityAxis": "SPA:CompensationReserveMember",
    "unit": "iso4217:NOK"
   }
  },
  "f35118": {
   "value": "211000000",
   "decimals": -6,
   "dimensions": {
    "concept": "ifrs-full:IssueOfEquity",
    "entity": "scheme:213800M7T3CYVZ3ZRT12",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00",
    "unit": "iso4217:NOK"
   }
  },
  "f35130": {
   "value": "483000000",
   "decimals": -6,
   "dimensions": {
    "concept": "SPA:GiftsAndDividendsPaid",
    "entity": "scheme:213800M7T3CYVZ3ZRT12",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00",
    "ifrs-full:ComponentsOfEquityAxis": "SPA:DividendEqualisationReserveMember",
    "unit": "iso4217:NOK"
   }
  },
  "f35134": {
   "value": "725000000",
   "decimals": -6,
   "dimensions": {
    "concept": "SPA:GiftsAndDividendsPaid",
    "entity": "scheme:213800M7T3CYVZ3ZRT12",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00",
    "ifrs-full:ComponentsOfEquityAxis": "SPA:PrimaryCapitalReserveMember",
    "unit": "iso4217:NOK"
   }
  },
  "f35138": {
   "value": "1208000000",
   "decimals": -6,
   "dimensions": {
    "concept": "SPA:GiftsAndDividendsPaid",
    "entity": "scheme:213800M7T3CYVZ3ZRT12",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00",
    "unit": "iso4217:NOK"
   }
  },
  "f35144": {
   "value": "2000000",
   "decimals": -6,
   "dimensions": {
    "concept": "ifrs-full:IncreaseDecreaseThroughTreasuryShareTransactions",
    "entity": "scheme:213800M7T3CYVZ3ZRT12",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00",
    "ifrs-full:ComponentsOfEquityAxis": "ifrs-full:TreasurySharesMember",
    "unit": "iso4217:NOK"
   }
  },
  "f35147": {
   "value": "5000000",
   "decimals": -6,
   "dimensions": {
    "concept": "ifrs-full:IncreaseDecreaseThroughTreasuryShareTransactions",
    "entity": "scheme:213800M7T3CYVZ3ZRT12",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00",
    "ifrs-full:ComponentsOfEquityAxis": "SPA:DividendEqualisationReserveMember",
    "unit": "iso4217:NOK"
   }
  },
  "f35150": {
   "value": "7000000",
   "decimals": -6,
   "dimensions": {
    "concept": "ifrs-full:IncreaseDecreaseThroughTreasuryShareTransactions",
    "entity": "scheme:213800M7T3CYVZ3ZRT12",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00",
    "unit": "iso4217:NOK"
   }
  },
  "f35157": {
   "value": "1000000",
   "decimals": -6,
   "dimensions": {
    "concept": "SPA:DividendsReceivedFromTreasuryShares",
    "entity": "scheme:213800M7T3CYVZ3ZRT12",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00",
    "ifrs-full:ComponentsOfEquityAxis": "SPA:DividendEqualisationReserveMember",
    "unit": "iso4217:NOK"
   }
  },
  "f35160": {
   "value": "1000000",
   "decimals": -6,
   "dimensions": {
    "concept": "SPA:DividendsReceivedFromTreasuryShares",
    "entity": "scheme:213800M7T3CYVZ3ZRT12",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00",
    "unit": "iso4217:NOK"
   }
  },
  "f35172": {
   "value": "-1000000",
   "decimals": -6,
   "dimensions": {
    "concept": "ifrs-full:IncreaseDecreaseThroughSharebasedPaymentTransactions",
    "entity": "scheme:213800M7T3CYVZ3ZRT12",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00",
    "ifrs-full:ComponentsOfEquityAxis": "SPA:DividendEqualisationReserveMember",
    "unit": "iso4217:NOK"
   }
  },
  "f35176": {
   "value": "-2000000",
   "decimals": -6,
   "dimensions": {
    "concept": "ifrs-full:IncreaseDecreaseThroughSharebasedPaymentTransactions",
    "entity": "scheme:213800M7T3CYVZ3ZRT12",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00",
    "ifrs-full:ComponentsOfEquityAxis": "SPA:PrimaryCapitalReserveMember",
    "unit": "iso4217:NOK"
   }
  },
  "f35179": {
   "value": "-3000000",
   "decimals": -6,
   "dimensions": {
    "concept": "ifrs-full:IncreaseDecreaseThroughSharebasedPaymentTransactions",
    "entity": "scheme:213800M7T3CYVZ3ZRT12",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00",
    "unit": "iso4217:NOK"
   }
  },
  "f35187": {
   "value": "320000000",
   "decimals": -6,
   "dimensions": {
    "concept": "SPA:IssueOfHybridCapital",
    "entity": "scheme:213800M7T3CYVZ3ZRT12",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00",
    "ifrs-full:ComponentsOfEquityAxis": "SPA:HybridCapitalMember",
    "unit": "iso4217:NOK"
   }
  },
  "f35190": {
   "value": "320000000",
   "decimals": -6,
   "dimensions": {
    "concept": "SPA:IssueOfHybridCapital",
    "entity": "scheme:213800M7T3CYVZ3ZRT12",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00",
    "unit": "iso4217:NOK"
   }
  },
  "f35196": {
   "value": "300000000",
   "decimals": -6,
   "dimensions": {
    "concept": "SPA:RepaymentOfHybridCapital",
    "entity": "scheme:213800M7T3CYVZ3ZRT12",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00",
    "ifrs-full:ComponentsOfEquityAxis": "SPA:HybridCapitalMember",
    "unit": "iso4217:NOK"
   }
  },
  "f35199": {
   "value": "300000000",
   "decimals": -6,
   "dimensions": {
    "concept": "SPA:RepaymentOfHybridCapital",
    "entity": "scheme:213800M7T3CYVZ3ZRT12",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00",
    "unit": "iso4217:NOK"
   }
  },
  "f35207": {
   "value": "54000000",
   "decimals": -6,
   "dimensions": {
    "concept": "SPA:InterestAndExpensePaidOnHybridCapital",
    "entity": "scheme:213800M7T3CYVZ3ZRT12",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00",
    "ifrs-full:ComponentsOfEquityAxis": "SPA:HybridCapitalMember",
    "unit": "iso4217:NOK"
   }
  },
  "f35210": {
   "value": "54000000",
   "decimals": -6,
   "dimensions": {
    "concept": "SPA:InterestAndExpensePaidOnHybridCapital",
    "entity": "scheme:213800M7T3CYVZ3ZRT12",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00",
    "unit": "iso4217:NOK"
   }
  },
  "f35217": {
   "value": "2743000000",
   "decimals": -6,
   "dimensions": {
    "concept": "ifrs-full:Equity",
    "entity": "scheme:213800M7T3CYVZ3ZRT12",
    "period": "2023-01-01T00:00:00",
    "ifrs-full:ComponentsOfEquityAxis": "ifrs-full:IssuedCapitalMember",
    "unit": "iso4217:NOK"
   }
  },
  "f35221": {
   "value": "-3000000",
   "decimals": -6,
   "dimensions": {
    "concept": "ifrs-full:Equity",
    "entity": "scheme:213800M7T3CYVZ3ZRT12",
    "period": "2023-01-01T00:00:00",
    "ifrs-full:ComponentsOfEquityAxis": "ifrs-full:TreasurySharesMember",
    "unit": "iso4217:NOK"
   }
  },
  "f35224": {
   "value": "1966000000",
   "decimals": -6,
   "dimensions": {
    "concept": "ifrs-full:Equity",
    "entity": "scheme:213800M7T3CYVZ3ZRT12",
    "period": "2023-01-01T00:00:00",
    "ifrs-full:ComponentsOfEquityAxis": "ifrs-full:SharePremiumMember",
    "unit": "iso4217:NOK"
   }
  },
  "f35227": {
   "value": "3127000000",
   "decimals": -6,
   "dimensions": {
    "concept": "ifrs-full:Equity",
    "entity": "scheme:213800M7T3CYVZ3ZRT12",
    "period": "2023-01-01T00:00:00",
    "ifrs-full:ComponentsOfEquityAxis": "SPA:DividendEqualisationReserveMember",
    "unit": "iso4217:NOK"
   }
  },
  "f35230": {
   "value": "11254000000",
   "decimals": -6,
   "dimensions": {
    "concept": "ifrs-full:Equity",
    "entity": "scheme:213800M7T3CYVZ3ZRT12",
    "period": "2023-01-01T00:00:00",
    "ifrs-full:ComponentsOfEquityAxis": "SPA:PrimaryCapitalReserveMember",
    "unit": "iso4217:NOK"
   }
  },
  "f35234": {
   "value": "150000000",
   "decimals": -6,
   "dimensions": {
    "concept": "ifrs-full:Equity",
    "entity": "scheme:213800M7T3CYVZ3ZRT12",
    "period": "2023-01-01T00:00:00",
    "ifrs-full:ComponentsOfEquityAxis": "SPA:GiftReserveMember",
    "unit": "iso4217:NOK"
   }
  },
  "f35238": {
   "value": "36000000",
   "decimals": -6,
   "dimensions": {
    "concept": "ifrs-full:Equity",
    "entity": "scheme:213800M7T3CYVZ3ZRT12",
    "period": "2023-01-01T00:00:00",
    "ifrs-full:ComponentsOfEquityAxis": "SPA:CompensationReserveMember",
    "unit": "iso4217:NOK"
   }
  },
  "f35241": {
   "value": "1189000000",
   "decimals": -6,
   "dimensions": {
    "concept": "ifrs-full:Equity",
    "entity": "scheme:213800M7T3CYVZ3ZRT12",
    "period": "2023-01-01T00:00:00",
    "ifrs-full:ComponentsOfEquityAxis": "ifrs-full:MiscellaneousOtherReservesMember",
    "unit": "iso4217:NOK"
   }
  },
  "f35244": {
   "value": "1431000000",
   "decimals": -6,
   "dimensions": {
    "concept": "ifrs-full:Equity",
    "entity": "scheme:213800M7T3CYVZ3ZRT12",
    "period": "2023-01-01T00:00:00",
    "ifrs-full:ComponentsOfEquityAxis": "SPA:HybridCapitalMember",
    "unit": "iso4217:NOK"
   }
  },
  "f35247": {
   "value": "21893000000",
   "decimals": -6,
   "dimensions": {
    "concept": "ifrs-full:Equity",
    "entity": "scheme:213800M7T3CYVZ3ZRT12",
    "period": "2023-01-01T00:00:00",
    "unit": "iso4217:NOK"
   }
  },
  "f35255": {
   "value": "1425000000",
   "decimals": -6,
   "dimensions": {
    "concept": "ifrs-full:ProfitLoss",
    "entity": "scheme:213800M7T3CYVZ3ZRT12",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00",
    "ifrs-full:ComponentsOfEquityAxis": "SPA:DividendEqualisationReserveMember",
    "unit": "iso4217:NOK"
   }
  },
  "f35259": {
   "value": "2079000000",
   "decimals": -6,
   "dimensions": {
    "concept": "ifrs-full:ProfitLoss",
    "entity": "scheme:213800M7T3CYVZ3ZRT12",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00",
    "ifrs-full:ComponentsOfEquityAxis": "SPA:PrimaryCapitalReserveMember",
    "unit": "iso4217:NOK"
   }
  },
  "f35263": {
   "value": "-62000000",
   "decimals": -6,
   "dimensions": {
    "concept": "ifrs-full:ProfitLoss",
    "entity": "scheme:213800M7T3CYVZ3ZRT12",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00",
    "ifrs-full:ComponentsOfEquityAxis": "ifrs-full:MiscellaneousOtherReservesMember",
    "unit": "iso4217:NOK"
   }
  },
  "f35267": {
   "value": "103000000",
   "decimals": -6,
   "dimensions": {
    "concept": "ifrs-full:ProfitLoss",
    "entity": "scheme:213800M7T3CYVZ3ZRT12",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00",
    "ifrs-full:ComponentsOfEquityAxis": "SPA:HybridCapitalMember",
    "unit": "iso4217:NOK"
   }
  },
  "f35271": {
   "value": "3545000000",
   "decimals": -6,
   "dimensions": {
    "concept": "ifrs-full:ProfitLoss",
    "entity": "scheme:213800M7T3CYVZ3ZRT12",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00",
    "unit": "iso4217:NOK"
   }
  },
  "f35281": {
   "value": "-11000000",
   "decimals": -6,
   "dimensions": {
    "concept": "ifrs-full:OtherComprehensiveIncome",
    "entity": "scheme:213800M7T3CYVZ3ZRT12",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00",
    "ifrs-full:ComponentsOfEquityAxis": "SPA:DividendEqualisationReserveMember",
    "unit": "iso4217:NOK"
   }
  },
  "f35284": {
   "value": "-16000000",
   "decimals": -6,
   "dimensions": {
    "concept": "ifrs-full:OtherComprehensiveIncome",
    "entity": "scheme:213800M7T3CYVZ3ZRT12",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00",
    "ifrs-full:ComponentsOfEquityAxis": "SPA:PrimaryCapitalReserveMember",
    "unit": "iso4217:NOK"
   }
  },
  "f35288": {
   "value": "172000000",
   "decimals": -6,
   "dimensions": {
    "concept": "ifrs-full:OtherComprehensiveIncome",
    "entity": "scheme:213800M7T3CYVZ3ZRT12",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00",
    "ifrs-full:ComponentsOfEquityAxis": "ifrs-full:MiscellaneousOtherReservesMember",
    "unit": "iso4217:NOK"
   }
  },
  "f35292": {
   "value": "145000000",
   "decimals": -6,
   "dimensions": {
    "concept": "ifrs-full:OtherComprehensiveIncome",
    "entity": "scheme:213800M7T3CYVZ3ZRT12",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00",
    "unit": "iso4217:NOK"
   }
  },
  "f35304": {
   "value": "933000000",
   "decimals": -6,
   "dimensions": {
    "concept": "SPA:GiftsAndDividendsPaid",
    "entity": "scheme:213800M7T3CYVZ3ZRT12",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00",
    "ifrs-full:ComponentsOfEquityAxis": "SPA:DividendEqualisationReserveMember",
    "unit": "iso4217:NOK"
   }
  },
  "f35307": {
   "value": "1363000000",
   "decimals": -6,
   "dimensions": {
    "concept": "SPA:GiftsAndDividendsPaid",
    "entity": "scheme:213800M7T3CYVZ3ZRT12",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00",
    "ifrs-full:ComponentsOfEquityAxis": "SPA:PrimaryCapitalReserveMember",
    "unit": "iso4217:NOK"
   }
  },
  "f35310": {
   "value": "2296000000",
   "decimals": -6,
   "dimensions": {
    "concept": "SPA:GiftsAndDividendsPaid",
    "entity": "scheme:213800M7T3CYVZ3ZRT12",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00",
    "unit": "iso4217:NOK"
   }
  },
  "f35316": {
   "value": "2000000",
   "decimals": -6,
   "dimensions": {
    "concept": "ifrs-full:IncreaseDecreaseThroughTreasuryShareTransactions",
    "entity": "scheme:213800M7T3CYVZ3ZRT12",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00",
    "ifrs-full:ComponentsOfEquityAxis": "ifrs-full:TreasurySharesMember",
    "unit": "iso4217:NOK"
   }
  },
  "f35319": {
   "value": "4000000",
   "decimals": -6,
   "dimensions": {
    "concept": "ifrs-full:IncreaseDecreaseThroughTreasuryShareTransactions",
    "entity": "scheme:213800M7T3CYVZ3ZRT12",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00",
    "ifrs-full:ComponentsOfEquityAxis": "SPA:DividendEqualisationReserveMember",
    "unit": "iso4217:NOK"
   }
  },
  "f35322": {
   "value": "6000000",
   "decimals": -6,
   "dimensions": {
    "concept": "ifrs-full:IncreaseDecreaseThroughTreasuryShareTransactions",
    "entity": "scheme:213800M7T3CYVZ3ZRT12",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00",
    "unit": "iso4217:NOK"
   }
  },
  "f35329": {
   "value": "1000000",
   "decimals": -6,
   "dimensions": {
    "concept": "SPA:DividendsReceivedFromTreasuryShares",
    "entity": "scheme:213800M7T3CYVZ3ZRT12",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00",
    "ifrs-full:ComponentsOfEquityAxis": "SPA:DividendEqualisationReserveMember",
    "unit": "iso4217:NOK"
   }
  },
  "f35332": {
   "value": "1000000",
   "decimals": -6,
   "dimensions": {
    "concept": "SPA:DividendsReceivedFromTreasuryShares",
    "entity": "scheme:213800M7T3CYVZ3ZRT12",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00",
    "unit": "iso4217:NOK"
   }
  },
  "f35344": {
   "value": "-2000000",
   "decimals": -6,
   "dimensions": {
    "concept": "ifrs-full:IncreaseDecreaseThroughSharebasedPaymentTransactions",
    "entity": "scheme:213800M7T3CYVZ3ZRT12",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00",
    "ifrs-full:ComponentsOfEquityAxis": "SPA:DividendEqualisationReserveMember",
    "unit": "iso4217:NOK"
   }
  },
  "f35347": {
   "value": "-3000000",
   "decimals": -6,
   "dimensions": {
    "concept": "ifrs-full:IncreaseDecreaseThroughSharebasedPaymentTransactions",
    "entity": "scheme:213800M7T3CYVZ3ZRT12",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00",
    "ifrs-full:ComponentsOfEquityAxis": "SPA:PrimaryCapitalReserveMember",
    "unit": "iso4217:NOK"
   }
  },
  "f35351": {
   "value": "-5000000",
   "decimals": -6,
   "dimensions": {
    "concept": "ifrs-full:IncreaseDecreaseThroughSharebasedPaymentTransactions",
    "entity": "scheme:213800M7T3CYVZ3ZRT12",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00",
    "unit": "iso4217:NOK"
   }
  },
  "f35359": {
   "value": "750000000",
   "decimals": -6,
   "dimensions": {
    "concept": "SPA:IssueOfHybridCapital",
    "entity": "scheme:213800M7T3CYVZ3ZRT12",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00",
    "ifrs-full:ComponentsOfEquityAxis": "SPA:HybridCapitalMember",
    "unit": "iso4217:NOK"
   }
  },
  "f35362": {
   "value": "750000000",
   "decimals": -6,
   "dimensions": {
    "concept": "SPA:IssueOfHybridCapital",
    "entity": "scheme:213800M7T3CYVZ3ZRT12",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00",
    "unit": "iso4217:NOK"
   }
  },
  "f35368": {
   "value": "520000000",
   "decimals": -6,
   "dimensions": {
    "concept": "SPA:RepaymentOfHybridCapital",
    "entity": "scheme:213800M7T3CYVZ3ZRT12",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00",
    "ifrs-full:ComponentsOfEquityAxis": "SPA:HybridCapitalMember",
    "unit": "iso4217:NOK"
   }
  },
  "f35371": {
   "value": "520000000",
   "decimals": -6,
   "dimensions": {
    "concept": "SPA:RepaymentOfHybridCapital",
    "entity": "scheme:213800M7T3CYVZ3ZRT12",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00",
    "unit": "iso4217:NOK"
   }
  },
  "f35379": {
   "value": "96000000",
   "decimals": -6,
   "dimensions": {
    "concept": "SPA:InterestAndExpensePaidOnHybridCapital",
    "entity": "scheme:213800M7T3CYVZ3ZRT12",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00",
    "ifrs-full:ComponentsOfEquityAxis": "SPA:HybridCapitalMember",
    "unit": "iso4217:NOK"
   }
  },
  "f35382": {
   "value": "96000000",
   "decimals": -6,
   "dimensions": {
    "concept": "SPA:InterestAndExpensePaidOnHybridCapital",
    "entity": "scheme:213800M7T3CYVZ3ZRT12",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00",
    "unit": "iso4217:NOK"
   }
  },
  "f35390": {
   "value": "2743000000",
   "decimals": -6,
   "dimensions": {
    "concept": "ifrs-full:Equity",
    "entity": "scheme:213800M7T3CYVZ3ZRT12",
    "period": "2024-01-01T00:00:00",
    "ifrs-full:ComponentsOfEquityAxis": "ifrs-full:IssuedCapitalMember",
    "unit": "iso4217:NOK"
   }
  },
  "f35394": {
   "value": "-1000000",
   "decimals": -6,
   "dimensions": {
    "concept": "ifrs-full:Equity",
    "entity": "scheme:213800M7T3CYVZ3ZRT12",
    "period": "2024-01-01T00:00:00",
    "ifrs-full:ComponentsOfEquityAxis": "ifrs-full:TreasurySharesMember",
    "unit": "iso4217:NOK"
   }
  },
  "f35397": {
   "value": "1966000000",
   "decimals": -6,
   "dimensions": {
    "concept": "ifrs-full:Equity",
    "entity": "scheme:213800M7T3CYVZ3ZRT12",
    "period": "2024-01-01T00:00:00",
    "ifrs-full:ComponentsOfEquityAxis": "ifrs-full:SharePremiumMember",
    "unit": "iso4217:NOK"
   }
  },
  "f35400": {
   "value": "3612000000",
   "decimals": -6,
   "dimensions": {
    "concept": "ifrs-full:Equity",
    "entity": "scheme:213800M7T3CYVZ3ZRT12",
    "period": "2024-01-01T00:00:00",
    "ifrs-full:ComponentsOfEquityAxis": "SPA:DividendEqualisationReserveMember",
    "unit": "iso4217:NOK"
   }
  },
  "f35403": {
   "value": "11951000000",
   "decimals": -6,
   "dimensions": {
    "concept": "ifrs-full:Equity",
    "entity": "scheme:213800M7T3CYVZ3ZRT12",
    "period": "2024-01-01T00:00:00",
    "ifrs-full:ComponentsOfEquityAxis": "SPA:PrimaryCapitalReserveMember",
    "unit": "iso4217:NOK"
   }
  },
  "f35407": {
   "value": "150000000",
   "decimals": -6,
   "dimensions": {
    "concept": "ifrs-full:Equity",
    "entity": "scheme:213800M7T3CYVZ3ZRT12",
    "period": "2024-01-01T00:00:00",
    "ifrs-full:ComponentsOfEquityAxis": "SPA:GiftReserveMember",
    "unit": "iso4217:NOK"
   }
  },
  "f35411": {
   "value": "36000000",
   "decimals": -6,
   "dimensions": {
    "concept": "ifrs-full:Equity",
    "entity": "scheme:213800M7T3CYVZ3ZRT12",
    "period": "2024-01-01T00:00:00",
    "ifrs-full:ComponentsOfEquityAxis": "SPA:CompensationReserveMember",
    "unit": "iso4217:NOK"
   }
  },
  "f35415": {
   "value": "1299000000",
   "decimals": -6,
   "dimensions": {
    "concept": "ifrs-full:Equity",
    "entity": "scheme:213800M7T3CYVZ3ZRT12",
    "period": "2024-01-01T00:00:00",
    "ifrs-full:ComponentsOfEquityAxis": "ifrs-full:MiscellaneousOtherReservesMember",
    "unit": "iso4217:NOK"
   }
  },
  "f35419": {
   "value": "1668000000",
   "decimals": -6,
   "dimensions": {
    "concept": "ifrs-full:Equity",
    "entity": "scheme:213800M7T3CYVZ3ZRT12",
    "period": "2024-01-01T00:00:00",
    "ifrs-full:ComponentsOfEquityAxis": "SPA:HybridCapitalMember",
    "unit": "iso4217:NOK"
   }
  },
  "f35423": {
   "value": "23423000000",
   "decimals": -6,
   "dimensions": {
    "concept": "ifrs-full:Equity",
    "entity": "scheme:213800M7T3CYVZ3ZRT12",
    "period": "2024-01-01T00:00:00",
    "unit": "iso4217:NOK"
   }
  },
  "s10_notes__6__11-1": {
   "value": "<span style=\"display:inherit;clear:left;\">Note 1 G<span class=\"_ _8\"></span>enerel<span class=\"_ _8\"></span>le reg<span class=\"_ _8\"></span>nskap<span class=\"_ _8\"></span>spr<span class=\"_ _8\"></span>ins<span class=\"_ _8\"></span>ipper</span><span style=\"display:inherit;clear:left;\">GENEREL<span class=\"_ _0\"></span>T</span><span style=\"display:inherit;clear:left;\">I konsernr<span class=\"_ _1\"></span>egnskape<span class=\"_ _1\"></span>t f<span class=\"_ _1\"></span>or Spar<span class=\"_ _1\"></span>ebanken V<span class=\"_ _2\"></span>est inng\u00e5r morbank<span class=\"_ _1\"></span>en </span><span style=\"display:inherit;clear:left;\">Sparebank<span class=\"_ _1\"></span>en V<span class=\"_ _2\"></span>est samt de heleide da<span class=\"_ _2\"></span>tterselskapene </span><span style=\"display:inherit;clear:left;\">Sparebank<span class=\"_ _1\"></span>en V<span class=\"_ _2\"></span>est Boligkr<span class=\"_ _1\"></span>editt AS<span class=\"_ _1\"></span>, Eiendomsmegler V<span class=\"_ _2\"></span>est AS og </span><span style=\"display:inherit;clear:left;\">Jonsv<span class=\"_ _1\"></span>oll Utleie AS<span class=\"_ _1\"></span>. I tillegg inng\u00e5r F<span class=\"_ _2\"></span>rende Holding AS<span class=\"_ _1\"></span>, Norne </span><span style=\"display:inherit;clear:left;\">Securities AS, Br<span class=\"_ _1\"></span>ag<span class=\"_ _1\"></span>e Finans AS<span class=\"_ _1\"></span>, Balder Betaling A<span class=\"_ _1\"></span>S og F<span class=\"_ _2\"></span>olio AS </span><span style=\"display:inherit;clear:left;\">som tilknyt<span class=\"_ _1\"></span>tede selskaper<span class=\"_ _0\"></span>. Det hen<span class=\"_ _1\"></span>vises til not<span class=\"_ _1\"></span>e 20 f<span class=\"_ _1\"></span>or \u00f8<span class=\"_ _1\"></span>vrig<span class=\"_ _1\"></span>e </span><span style=\"display:inherit;clear:left;\">detaljer<span class=\"_ _0\"></span>.</span><span style=\"display:inherit;clear:left;\">Alle bel\u00f8p i regnsk<span class=\"_ _1\"></span>ap og not<span class=\"_ _1\"></span>er er oppgitt i millioner kr<span class=\"_ _1\"></span>oner </span><span style=\"display:inherit;clear:left;\">dersom ikke anne<span class=\"_ _1\"></span>t er angitt spesifikt. Konsernr<span class=\"_ _1\"></span>egnsk<span class=\"_ _1\"></span>apet er </span><span style=\"display:inherit;clear:left;\">a<span class=\"_ _1\"></span>vlagt under f<span class=\"_ _1\"></span>orutsetning om f<span class=\"_ _1\"></span>ortsa<span class=\"_ _1\"></span>t<span class=\"_ _1\"></span>t drift</span><span style=\"display:inherit;clear:left;\">Sparebank<span class=\"_ _1\"></span>en V<span class=\"_ _2\"></span>est har egenkapitalbe<span class=\"_ _1\"></span>vis no<span class=\"_ _1\"></span>tert p\u00e5 Oslo B\u00f8rs. </span><span style=\"display:inherit;clear:left;\">Banken er lokalisert i V<span class=\"_ _2\"></span>estland, Rogaland, og M\u00f8r<span class=\"_ _1\"></span>e og Romsdal </span><span style=\"display:inherit;clear:left;\">med hov<span class=\"_ _1\"></span>edk<span class=\"_ _1\"></span>on<span class=\"_ _1\"></span>tor i Ber<span class=\"_ _1\"></span>gen. Ho<span class=\"_ _1\"></span>v<span class=\"_ _1\"></span>edk<span class=\"_ _1\"></span>ont<span class=\"_ _1\"></span>or og d\u00f8<span class=\"_ _1\"></span>tre har a<span class=\"_ _1\"></span>dr<span class=\"_ _1\"></span>esse </span><span style=\"display:inherit;clear:left;\">Jonsv<span class=\"_ _1\"></span>ollsga<span class=\"_ _1\"></span>t<span class=\"_ _1\"></span>en 2, 5011 Ber<span class=\"_ _1\"></span>g<span class=\"_ _1\"></span>en.</span><span style=\"display:inherit;clear:left;\">\u00c5rsr<span class=\"_ _1\"></span>egnskap 2<span class=\"_ _1\"></span>02<span class=\"_ _1\"></span>3 f<span class=\"_ _1\"></span>or Sparebank<span class=\"_ _1\"></span>en V<span class=\"_ _2\"></span>est konsern er behandle<span class=\"_ _1\"></span>t </span><span style=\"display:inherit;clear:left;\">og vedt<span class=\"_ _1\"></span>a<span class=\"_ _1\"></span>tt i s<span class=\"_ _1\"></span>tyr<span class=\"_ _1\"></span>em\u00f8t<span class=\"_ _1\"></span>e den 21. f<span class=\"_ _1\"></span>ebruar 20<span class=\"_ _1\"></span>2<span class=\"_ _1\"></span>4.</span><span style=\"display:inherit;clear:left;\">Generalf<span class=\"_ _1\"></span>or<span class=\"_ _1\"></span>samlingen er bank<span class=\"_ _1\"></span>ens \u00f8v<span class=\"_ _1\"></span>er<span class=\"_ _1\"></span>st<span class=\"_ _1\"></span>e org<span class=\"_ _1\"></span>an.</span><span style=\"display:inherit;clear:left;\">GRUNNLAG F<span class=\"_ _1\"></span>OR UT<span class=\"_ _0\"></span>ARBEIDELSE A<span class=\"_ _1\"></span>V \u00c5RSRE<span class=\"_ _1\"></span>GNSKAPET</span><span style=\"display:inherit;clear:left;\">Konsernr<span class=\"_ _1\"></span>egnskape<span class=\"_ _1\"></span>t er utarbeide<span class=\"_ _1\"></span>t i samsv<span class=\"_ _1\"></span>ar med In<span class=\"_ _1\"></span>terna<span class=\"_ _2\"></span>tional </span><span style=\"display:inherit;clear:left;\">Financial Reporting Standar<span class=\"_ _1\"></span>ds (IFRS) som f<span class=\"_ _1\"></span>astsa<span class=\"_ _2\"></span>tt av EU<span class=\"_ _1\"></span>, </span><span style=\"display:inherit;clear:left;\">publisert av In<span class=\"_ _1\"></span>t<span class=\"_ _1\"></span>erna<span class=\"_ _1\"></span>tional Accoun<span class=\"_ _1\"></span>ting S<span class=\"_ _1\"></span>tandards Boar<span class=\"_ _1\"></span>d (IA<span class=\"_ _1\"></span>SB) og </span><span style=\"display:inherit;clear:left;\">som er pliktige per 3<span class=\"_ _1\"></span>1. desember 20<span class=\"_ _1\"></span>23<span class=\"_ _1\"></span>. </span><span style=\"display:inherit;clear:left;\">Konsernr<span class=\"_ _1\"></span>egnskape<span class=\"_ _1\"></span>t legger til grunn prinsippene i e<span class=\"_ _1\"></span>t his<span class=\"_ _1\"></span>torisk </span><span style=\"display:inherit;clear:left;\">kos<span class=\"_ _1\"></span>t r<span class=\"_ _1\"></span>egnskap med visse unn<span class=\"_ _1\"></span>tak. Finansielle eiendeler og gjeld </span><span style=\"display:inherit;clear:left;\">ver<span class=\"_ _1\"></span>dse<span class=\"_ _1\"></span>tt<span class=\"_ _1\"></span>es og klassifiser<span class=\"_ _1\"></span>es i sams<span class=\"_ _1\"></span>v<span class=\"_ _1\"></span>ar med IFRS 9<span class=\"_ _1\"></span>, og not<span class=\"_ _1\"></span>e-</span><span style=\"display:inherit;clear:left;\">opplysning<span class=\"_ _1\"></span>er er utarbeides i samsv<span class=\"_ _1\"></span>ar med IFRS 7 \u2013 Finansielle </span><span style=\"display:inherit;clear:left;\">instrumen<span class=\"_ _1\"></span>ter \u2013 opply<span class=\"_ _1\"></span>sninger<span class=\"_ _0\"></span>.</span><span style=\"display:inherit;clear:left;\">Konsernr<span class=\"_ _1\"></span>egnskape<span class=\"_ _1\"></span>t er utarbeide<span class=\"_ _1\"></span>t et<span class=\"_ _1\"></span>ter ensart<span class=\"_ _1\"></span>ede r<span class=\"_ _1\"></span>egnskaps-</span><span style=\"display:inherit;clear:left;\">prinsipper for lik<span class=\"_ _1\"></span>e tr<span class=\"_ _1\"></span>ansaksjoner og hendelser under eller<span class=\"_ _1\"></span>s like </span><span style=\"display:inherit;clear:left;\">forhold. </span><span style=\"display:inherit;clear:left;\">Selskapsr<span class=\"_ _1\"></span>egnskapet til Spar<span class=\"_ _1\"></span>ebank<span class=\"_ _1\"></span>en V<span class=\"_ _2\"></span>est er utarbeidet i sams<span class=\"_ _1\"></span>v<span class=\"_ _1\"></span>ar </span><span style=\"display:inherit;clear:left;\">med IFRS som f<span class=\"_ _1\"></span>astsa<span class=\"_ _1\"></span>t<span class=\"_ _1\"></span>t i f<span class=\"_ _1\"></span>orskrift om \u00e5rsr<span class=\"_ _1\"></span>egnskap f<span class=\"_ _1\"></span>or bank<span class=\"_ _1\"></span>er<span class=\"_ _0\"></span>, </span><span style=\"display:inherit;clear:left;\">kredit<span class=\"_ _1\"></span>tf<span class=\"_ _1\"></span>or<span class=\"_ _1\"></span>etak o<span class=\"_ _1\"></span>g finansieringsf<span class=\"_ _1\"></span>or<span class=\"_ _1\"></span>e<span class=\"_ _1\"></span>tak \u00a7 1-3<span class=\"_ _1\"></span>, 2. ledd. V<span class=\"_ _2\"></span>ed </span><span style=\"display:inherit;clear:left;\">anv<span class=\"_ _1\"></span>endelse a<span class=\"_ _1\"></span>v denne f<span class=\"_ _1\"></span>orskrift i selskapsr<span class=\"_ _1\"></span>egnskape<span class=\"_ _1\"></span>t legg<span class=\"_ _1\"></span>es de </span><span style=\"display:inherit;clear:left;\">samme prinsipper til grunn som for IFRS me<span class=\"_ _1\"></span>d unntak a<span class=\"_ _2\"></span>v </span><span style=\"display:inherit;clear:left;\">regnsk<span class=\"_ _1\"></span>aps <span class=\"_ _4\"></span>f\u00f8ring a<span class=\"_ _2\"></span>v utbytt<span class=\"_ _1\"></span>e, konsernbidr<span class=\"_ _1\"></span>ag og \u00f8<span class=\"_ _1\"></span>vrig<span class=\"_ _1\"></span>e utdeling<span class=\"_ _1\"></span>er </span><span style=\"display:inherit;clear:left;\">knyt<span class=\"_ _1\"></span>te<span class=\"_ _1\"></span>t til r<span class=\"_ _1\"></span>egnskaps\u00e5r<span class=\"_ _1\"></span>et<span class=\"_ _1\"></span>s resulta<span class=\"_ _2\"></span>t<span class=\"_ _8\"></span>. I selskapsr<span class=\"_ _1\"></span>egnskape<span class=\"_ _1\"></span>t er </span><span style=\"display:inherit;clear:left;\">for<span class=\"_ _1\"></span>esl\u00e5<span class=\"_ _2\"></span>tt utbyt<span class=\"_ _1\"></span>te og ga<span class=\"_ _2\"></span>ver til utdeling r<span class=\"_ _1\"></span>egnskaps<span class=\"_ _1\"></span>f<span class=\"_ _1\"></span>\u00f8rt det \u00e5r<span class=\"_ _1\"></span>e<span class=\"_ _1\"></span>t </span><span style=\"display:inherit;clear:left;\">som er grunnlage<span class=\"_ _1\"></span>t f<span class=\"_ _1\"></span>or utdeling<span class=\"_ _1\"></span>en.</span><span style=\"display:inherit;clear:left;\">Utarbeidelsen a<span class=\"_ _1\"></span>v \u00e5rsr<span class=\"_ _1\"></span>egnskape<span class=\"_ _1\"></span>t og bruk a<span class=\"_ _1\"></span>v IFRS kr<span class=\"_ _1\"></span>ev<span class=\"_ _1\"></span>er bruk a<span class=\"_ _1\"></span>v </span><span style=\"display:inherit;clear:left;\">estima<span class=\"_ _1\"></span>t<span class=\"_ _1\"></span>er<span class=\"_ _0\"></span>. Videre kre<span class=\"_ _1\"></span>v<span class=\"_ _1\"></span>er anv<span class=\"_ _1\"></span>endelse a<span class=\"_ _1\"></span>v de in<span class=\"_ _1\"></span>ternasjonale </span><span style=\"display:inherit;clear:left;\">standar<span class=\"_ _1\"></span>der a<span class=\"_ _1\"></span>t ledelsen m\u00e5 ut<span class=\"_ _1\"></span>\u00f8<span class=\"_ _1\"></span>ve skj\u00f8nn. Omr<span class=\"_ _1\"></span>\u00e5der som i s<span class=\"_ _1\"></span>t<span class=\"_ _1\"></span>or gra<span class=\"_ _1\"></span>d </span><span style=\"display:inherit;clear:left;\">inneholder slike skj\u00f8nnsmes<span class=\"_ _1\"></span>sige es<span class=\"_ _1\"></span>tima<span class=\"_ _1\"></span>ter<span class=\"_ _0\"></span>, h\u00f8y gr<span class=\"_ _1\"></span>ad a<span class=\"_ _2\"></span>v </span><span style=\"display:inherit;clear:left;\">kompleksit<span class=\"_ _1\"></span>e<span class=\"_ _1\"></span>t, eller omr\u00e5<span class=\"_ _1\"></span>der hv<span class=\"_ _1\"></span>or f<span class=\"_ _1\"></span>orutsetning<span class=\"_ _1\"></span>er og es<span class=\"_ _1\"></span>tima<span class=\"_ _1\"></span>ter er </span><span style=\"display:inherit;clear:left;\">vesen<span class=\"_ _1\"></span>tlig<span class=\"_ _1\"></span>e f<span class=\"_ _1\"></span>or morbank<span class=\"_ _1\"></span>- eller konsernr<span class=\"_ _1\"></span>egnskap er beskr<span class=\"_ _1\"></span>e<span class=\"_ _1\"></span>v<span class=\"_ _1\"></span>et i </span><span style=\"display:inherit;clear:left;\">not<span class=\"_ _1\"></span>e 2. </span><span style=\"display:inherit;clear:left;\">ENDRINGER I REGNSKAPSPRINSIPPER</span><span style=\"display:inherit;clear:left;\">Det er ing<span class=\"_ _1\"></span>en ny<span class=\"_ _1\"></span>e s<span class=\"_ _1\"></span>tandar<span class=\"_ _1\"></span>der som har tr<span class=\"_ _1\"></span>\u00e5dt i kr<span class=\"_ _1\"></span>a<span class=\"_ _1\"></span>ft med virkning </span><span style=\"display:inherit;clear:left;\">for r<span class=\"_ _1\"></span>egnsk<span class=\"_ _1\"></span>aps\u00e5re<span class=\"_ _1\"></span>t 2<span class=\"_ _1\"></span>02<span class=\"_ _1\"></span>3. De<span class=\"_ _1\"></span>t er gjort enkelt<span class=\"_ _1\"></span>e endringer i </span><span style=\"display:inherit;clear:left;\">gjeldende standar<span class=\"_ _1\"></span>der ut<span class=\"_ _1\"></span>en a<span class=\"_ _1\"></span>t det<span class=\"_ _1\"></span>te har ha<span class=\"_ _2\"></span>tt mat<span class=\"_ _1\"></span>eriell ef<span class=\"_ _1\"></span>f<span class=\"_ _1\"></span>ekt for </span><span style=\"display:inherit;clear:left;\">Sparebank<span class=\"_ _1\"></span>en V<span class=\"_ _2\"></span>est. IAS 1 \u2013 Pre<span class=\"_ _1\"></span>senta<span class=\"_ _2\"></span>tion of Financial Sta<span class=\"_ _1\"></span>t<span class=\"_ _1\"></span>ements </span><span style=\"display:inherit;clear:left;\">er noe endre<span class=\"_ _1\"></span>t. Endringen gjelder opply<span class=\"_ _1\"></span>sninger om an<span class=\"_ _1\"></span>v<span class=\"_ _1\"></span>endt </span><span style=\"display:inherit;clear:left;\">regnsk<span class=\"_ _1\"></span>apsprak<span class=\"_ _1\"></span>sis, og klar<span class=\"_ _1\"></span>gj\u00f8r a<span class=\"_ _1\"></span>t det sk<span class=\"_ _1\"></span>al gis opplysninger om </span><span style=\"display:inherit;clear:left;\">vesen<span class=\"_ _1\"></span>tlig<span class=\"_ _1\"></span>e (\u00abma<span class=\"_ _1\"></span>terial\u00bb) r<span class=\"_ _1\"></span>egnskapsprinsipper \u2013 endr<span class=\"_ _1\"></span>e<span class=\"_ _1\"></span>t fr<span class=\"_ _1\"></span>a viktige </span><span style=\"display:inherit;clear:left;\">(\u00absignificant\u00bb). Regnskapsprinsippene er gjennomg<span class=\"_ _1\"></span>\u00e5<span class=\"_ _1\"></span>tt og </span><span style=\"display:inherit;clear:left;\">omf<span class=\"_ _1\"></span>ang<span class=\"_ _1\"></span>et a<span class=\"_ _2\"></span>v beskrivelsene er noe re<span class=\"_ _1\"></span>dusert. I tillegg er en del </span><span style=\"display:inherit;clear:left;\">detaljert<span class=\"_ _1\"></span>e teks<span class=\"_ _1\"></span>tlige opply<span class=\"_ _1\"></span>sninger t<span class=\"_ _1\"></span>a<span class=\"_ _1\"></span>tt ut a<span class=\"_ _1\"></span>v denne no<span class=\"_ _1\"></span>te (prinsipp-</span><span style=\"display:inherit;clear:left;\">not<span class=\"_ _1\"></span>en) og innarbeidet i de r<span class=\"_ _1\"></span>espektiv<span class=\"_ _1\"></span>e tallopps<span class=\"_ _1\"></span>tillingene i </span><span style=\"display:inherit;clear:left;\">et<span class=\"_ _1\"></span>terf<span class=\"_ _1\"></span>\u00f8lgende no<span class=\"_ _1\"></span>t<span class=\"_ _1\"></span>er<span class=\"_ _2\"></span>. </span><span style=\"display:inherit;clear:left;\">K<span class=\"_ _1\"></span>ONSOLIDERINGSPRINSIPPER</span><span style=\"display:inherit;clear:left;\">Regnskapsprinsippene anv<span class=\"_ _1\"></span>endes k<span class=\"_ _1\"></span>onsist<span class=\"_ _1\"></span>ent v<span class=\"_ _1\"></span>ed innarbeiding a<span class=\"_ _1\"></span>v </span><span style=\"display:inherit;clear:left;\">eierint<span class=\"_ _1\"></span>er<span class=\"_ _1\"></span>esser i k<span class=\"_ _1\"></span>onsernselskaper og er basert p\u00e5 de samme </span><span style=\"display:inherit;clear:left;\">rapport<span class=\"_ _1\"></span>eringsperiodene som f<span class=\"_ _1\"></span>or morselskape<span class=\"_ _1\"></span>t. </span><span style=\"display:inherit;clear:left;\">Konsernin<span class=\"_ _1\"></span>terne tr<span class=\"_ _1\"></span>ansak<span class=\"_ _1\"></span>sjoner og konsernmellom<span class=\"_ _1\"></span>v<span class=\"_ _1\"></span>\u00e6r<span class=\"_ _1\"></span>ende, </span><span style=\"display:inherit;clear:left;\">inkludert int<span class=\"_ _1\"></span>ernf<span class=\"_ _1\"></span>ortjenes<span class=\"_ _1\"></span>te og ur<span class=\"_ _1\"></span>ealisert ge<span class=\"_ _1\"></span>vinst og tap<span class=\"_ _1\"></span>, </span><span style=\"display:inherit;clear:left;\"><span><span style=\"display:inherit;clear:left;\">elimineres v<span class=\"_ _1\"></span>ed utarbeidelse a<span class=\"_ _2\"></span>v konsernregnskape<span class=\"_ _1\"></span>t.</span></span> </span><span style=\"display:inherit;clear:left;\">V<span class=\"_ _2\"></span>ALUT<span class=\"_ _2\"></span>A</span><span style=\"display:inherit;clear:left;\">Konserne<span class=\"_ _1\"></span>ts pr<span class=\"_ _1\"></span>esen<span class=\"_ _1\"></span>tasjonsv<span class=\"_ _1\"></span>aluta er norsk<span class=\"_ _1\"></span>e kr<span class=\"_ _1\"></span>oner<span class=\"_ _0\"></span>. Dett<span class=\"_ _1\"></span>e er ogs\u00e5 </span><span style=\"display:inherit;clear:left;\">morselskape<span class=\"_ _1\"></span>t, da<span class=\"_ _1\"></span>tter<span class=\"_ _1\"></span>selskap og tilkn<span class=\"_ _1\"></span>ytt<span class=\"_ _1\"></span>ede selskap sin </span><span style=\"display:inherit;clear:left;\">funksjonelle v<span class=\"_ _1\"></span>aluta. </span><span style=\"display:inherit;clear:left;\">Bankens f<span class=\"_ _1\"></span>or<span class=\"_ _1\"></span>dringer og gjeld i ut<span class=\"_ _1\"></span>enlandsk v<span class=\"_ _1\"></span>aluta er i r<span class=\"_ _1\"></span>egnskape<span class=\"_ _1\"></span>t </span><span style=\"display:inherit;clear:left;\">omregne<span class=\"_ _1\"></span>t til kur<span class=\"_ _1\"></span>sen p\u00e5 balansedagen. V<span class=\"_ _2\"></span>alutapost<span class=\"_ _1\"></span>ene er </span><span style=\"display:inherit;clear:left;\">hov<span class=\"_ _1\"></span>edsak<span class=\"_ _1\"></span>elig sikr<span class=\"_ _1\"></span>et v<span class=\"_ _1\"></span>ed tils<span class=\"_ _1\"></span>v<span class=\"_ _1\"></span>ar<span class=\"_ _1\"></span>ende post<span class=\"_ _1\"></span>er p\u00e5 motsa<span class=\"_ _2\"></span>tt side av </span><span style=\"display:inherit;clear:left;\">balansen eller ved bruk a<span class=\"_ _2\"></span>v deriva<span class=\"_ _1\"></span>ter<span class=\"_ _0\"></span>.</span><span style=\"display:inherit;clear:left;\">Innt<span class=\"_ _1\"></span>ekter og k<span class=\"_ _1\"></span>ostna<span class=\"_ _1\"></span>der i v<span class=\"_ _1\"></span>aluta er omr<span class=\"_ _1\"></span>egnet til nor<span class=\"_ _1\"></span>ske kr<span class=\"_ _1\"></span>oner </span><span style=\"display:inherit;clear:left;\">et<span class=\"_ _1\"></span>ter k<span class=\"_ _1\"></span>ursen p\u00e5 tr<span class=\"_ _1\"></span>ansaksjonstidspunkt<span class=\"_ _1\"></span>e<span class=\"_ _1\"></span>t.</span><span style=\"display:inherit;clear:left;\">F<span class=\"_ _1\"></span>ORPLIKTELSER<span class=\"ff4\">/</span>A<span class=\"_ _2\"></span>VSETNINGER</span><span style=\"display:inherit;clear:left;\">A<span class=\"_ _1\"></span>vse<span class=\"_ _1\"></span>tning f<span class=\"_ _1\"></span>or f<span class=\"_ _1\"></span>orpliktelser er f<span class=\"_ _1\"></span>or<span class=\"_ _1\"></span>e<span class=\"_ _1\"></span>ta<span class=\"_ _1\"></span>tt i sams<span class=\"_ _1\"></span>v<span class=\"_ _1\"></span>ar med IAS 3<span class=\"_ _2\"></span>7<span class=\"_ _2\"></span>. Kra<span class=\"_ _1\"></span>v </span><span style=\"display:inherit;clear:left;\">til a<span class=\"_ _1\"></span>vse<span class=\"_ _1\"></span>tning er a<span class=\"_ _1\"></span>t de<span class=\"_ _1\"></span>t eksist<span class=\"_ _1\"></span>er<span class=\"_ _1\"></span>er en f<span class=\"_ _1\"></span>orpliktelse som f<span class=\"_ _1\"></span>\u00f8lg<span class=\"_ _1\"></span>e a<span class=\"_ _1\"></span>v </span><span style=\"display:inherit;clear:left;\">tidliger<span class=\"_ _1\"></span>e hendelser<span class=\"_ _0\"></span>, og at de<span class=\"_ _1\"></span>t er sannsynlighe<span class=\"_ _1\"></span>tso<span class=\"_ _1\"></span>v<span class=\"_ _1\"></span>ervekt f<span class=\"_ _1\"></span>or a<span class=\"_ _1\"></span>t </span><span style=\"display:inherit;clear:left;\">forplikt<span class=\"_ _1\"></span>elsen vil k<span class=\"_ _1\"></span>omme til oppgj\u00f8r<span class=\"_ _2\"></span>. A<span class=\"_ _1\"></span>vse<span class=\"_ _1\"></span>tning<span class=\"_ _1\"></span>en er ber<span class=\"_ _1\"></span>egnet som </span><span style=\"display:inherit;clear:left;\">n\u00e5<span class=\"_ _1\"></span>ver<span class=\"_ _1\"></span>dien a<span class=\"_ _2\"></span>v forven<span class=\"_ _1\"></span>tede utbe<span class=\"_ _1\"></span>taling<span class=\"_ _1\"></span>er f<span class=\"_ _1\"></span>or \u00e5 innfri f<span class=\"_ _1\"></span>orplikt<span class=\"_ _1\"></span>elsen.</span><span style=\"display:inherit;clear:left;\">HENDELSER ETTER BALANSEDA<span class=\"_ _1\"></span>GEN</span><span style=\"display:inherit;clear:left;\">Det opply<span class=\"_ _1\"></span>ses om hendelser et<span class=\"_ _1\"></span>ter balanse<span class=\"_ _1\"></span>dagen i samsv<span class=\"_ _2\"></span>ar med </span><span style=\"display:inherit;clear:left;\">IAS 10<span class=\"_ _1\"></span>. Opplysning<span class=\"_ _1\"></span>ene omf<span class=\"_ _1\"></span>a<span class=\"_ _2\"></span>tter hendelser som ikke innr<span class=\"_ _1\"></span>egnes i </span><span style=\"display:inherit;clear:left;\">konserne<span class=\"_ _1\"></span>ts finansr<span class=\"_ _1\"></span>egnskap<span class=\"_ _1\"></span>, men som er a<span class=\"_ _1\"></span>v en slik art at de er </span><span style=\"display:inherit;clear:left;\">vesen<span class=\"_ _1\"></span>tlig<span class=\"_ _1\"></span>e f<span class=\"_ _1\"></span>or vurdering a<span class=\"_ _2\"></span>v virksomheten.</span><span style=\"display:inherit;clear:left;\">K<span class=\"_ _1\"></span>OMMENDE ENDRINGER TIL ST<span class=\"_ _0\"></span>ANDARDER OG </span><span style=\"display:inherit;clear:left;\">F<span class=\"_ _1\"></span>ORTOLKNINGER</span><span style=\"display:inherit;clear:left;\">Per 3<span class=\"_ _1\"></span>1. desember 2<span class=\"_ _1\"></span>02<span class=\"_ _1\"></span>3 er det r<span class=\"_ _1\"></span>ela<span class=\"_ _1\"></span>tivt f<span class=\"_ _1\"></span>\u00e5 kjen<span class=\"_ _1\"></span>t<span class=\"_ _1\"></span>e frem<span class=\"_ _1\"></span>tidig<span class=\"_ _1\"></span>e </span><span style=\"display:inherit;clear:left;\">endringer i r<span class=\"_ _1\"></span>egnskapsprinsipper som f<span class=\"_ _1\"></span>\u00e5r k<span class=\"_ _1\"></span>onsekvenser f<span class=\"_ _1\"></span>or </span><span style=\"display:inherit;clear:left;\">regnsk<span class=\"_ _1\"></span>apet til Spar<span class=\"_ _1\"></span>ebank<span class=\"_ _1\"></span>en V<span class=\"_ _2\"></span>est.  </span><span style=\"display:inherit;clear:left;\">Det er an<span class=\"_ _1\"></span>ta<span class=\"_ _1\"></span>t<span class=\"_ _1\"></span>t a<span class=\"_ _1\"></span>t kjen<span class=\"_ _1\"></span>te endring<span class=\"_ _1\"></span>er ikke vil gi noen ma<span class=\"_ _1\"></span>teriell e<span class=\"_ _1\"></span>ff<span class=\"_ _1\"></span>ekt </span><span style=\"display:inherit;clear:left;\">for r<span class=\"_ _1\"></span>egnsk<span class=\"_ _1\"></span>apet til Spar<span class=\"_ _1\"></span>ebank<span class=\"_ _1\"></span>en V<span class=\"_ _2\"></span>est.</span><span style=\"display:inherit;clear:left;\">Note 8 R<span class=\"_ _8\"></span>isi<span class=\"_ _8\"></span>kokla<span class=\"_ _8\"></span>ssi<span class=\"_ _8\"></span>fiser<span class=\"_ _8\"></span>i<span class=\"_ _8\"></span>ng av k<span class=\"_ _8\"></span>redit<span class=\"_ _8\"></span>tp<span class=\"_ _8\"></span>or<span class=\"_ _8\"></span>tef<span class=\"_ _0\"></span>\u00f8<span class=\"_ _8\"></span>ljen</span><span style=\"display:inherit;clear:left;\">Kredittrisik<span class=\"_ _1\"></span>o</span><span style=\"display:inherit;clear:left;\">Kredit<span class=\"_ _1\"></span>trisik<span class=\"_ _1\"></span>o er risikoen f<span class=\"_ _1\"></span>or tap dersom bank<span class=\"_ _1\"></span>ens kunder ikk<span class=\"_ _1\"></span>e </span><span style=\"display:inherit;clear:left;\">oppfyller sine f<span class=\"_ _1\"></span>orpliktelser o<span class=\"_ _1\"></span>v<span class=\"_ _1\"></span>erf<span class=\"_ _1\"></span>or konserne<span class=\"_ _1\"></span>t.  </span><span style=\"display:inherit;clear:left;\">Kredit<span class=\"_ _1\"></span>trisik<span class=\"_ _1\"></span>o oppst\u00e5r gjennom utl\u00e5n, kr<span class=\"_ _1\"></span>edit<span class=\"_ _1\"></span>ter<span class=\"_ _0\"></span>, garan<span class=\"_ _1\"></span>tier<span class=\"_ _0\"></span>, rem-</span><span style=\"display:inherit;clear:left;\">burser og ulike deriv<span class=\"_ _2\"></span>atf<span class=\"_ _1\"></span>orr<span class=\"_ _1\"></span>etning<span class=\"_ _1\"></span>er til personmark<span class=\"_ _1\"></span>eds- og </span><span style=\"display:inherit;clear:left;\">bedriftsmarkedsk<span class=\"_ _1\"></span>under<span class=\"_ _0\"></span>. Kredittrisik<span class=\"_ _1\"></span>o knyt<span class=\"_ _1\"></span>te<span class=\"_ _1\"></span>t til deriv<span class=\"_ _1\"></span>a<span class=\"_ _1\"></span>tf<span class=\"_ _1\"></span>orr<span class=\"_ _1\"></span>et<span class=\"_ _1\"></span>-</span><span style=\"display:inherit;clear:left;\">ninger kv<span class=\"_ _1\"></span>an<span class=\"_ _1\"></span>tifiser<span class=\"_ _1\"></span>es gjennom omr<span class=\"_ _1\"></span>egningsf<span class=\"_ _1\"></span>akt<span class=\"_ _1\"></span>or<span class=\"_ _1\"></span>er a<span class=\"_ _1\"></span>vhengig av </span><span style=\"display:inherit;clear:left;\">kon<span class=\"_ _1\"></span>tr<span class=\"_ _1\"></span>aktstype og l\u00f8pe<span class=\"_ _1\"></span>tid.</span><span style=\"display:inherit;clear:left;\">Risikoklas<span class=\"_ _1\"></span>sifisering a<span class=\"_ _1\"></span>v utl\u00e5n og gar<span class=\"_ _2\"></span>antier </span><span style=\"display:inherit;clear:left;\">M\u00e5ling a<span class=\"_ _1\"></span>v kr<span class=\"_ _1\"></span>edittrisik<span class=\"_ _1\"></span>o baserer seg p\u00e5 f<span class=\"_ _2\"></span>\u00f8lgende hov<span class=\"_ _1\"></span>edkomponen-</span><span style=\"display:inherit;clear:left;\">ter: i) misligholdssanns<span class=\"_ _1\"></span>ynlighe<span class=\"_ _1\"></span>t (PD), ii) f<span class=\"_ _1\"></span>orven<span class=\"_ _1\"></span>te<span class=\"_ _1\"></span>t eksponering </span><span style=\"display:inherit;clear:left;\">ved mislighold (EAD) og iii) t<span class=\"_ _1\"></span>ap gitt mislighold (L<span class=\"_ _1\"></span>GD). </span><span style=\"display:inherit;clear:left;\">i) Misligholdss<span class=\"_ _1\"></span>anns<span class=\"_ _1\"></span>ynlighe<span class=\"_ _1\"></span>t (PD)<span class=\"ff4\"> er definert som sanns<span class=\"_ _1\"></span>ynlighe-</span></span><span style=\"display:inherit;clear:left;\">ten f<span class=\"_ _1\"></span>or a<span class=\"_ _1\"></span>t kunden misligholder sit<span class=\"_ _1\"></span>t engasjemen<span class=\"_ _1\"></span>t i l\u00f8pe<span class=\"_ _1\"></span>t a<span class=\"_ _1\"></span>v de </span><span style=\"display:inherit;clear:left;\">nest<span class=\"_ _1\"></span>e 12 m\u00e5nedene. Mislighold kan v<span class=\"_ _1\"></span>\u00e6r<span class=\"_ _1\"></span>e bet<span class=\"_ _1\"></span>alingsmislighold ov<span class=\"_ _1\"></span>er </span><span style=\"display:inherit;clear:left;\">90 dager eller andr<span class=\"_ _1\"></span>e k<span class=\"_ _1\"></span>onkre<span class=\"_ _1\"></span>t<span class=\"_ _1\"></span>e forhold (\"unlik<span class=\"_ _1\"></span>eliness t<span class=\"_ _1\"></span>o pa<span class=\"_ _1\"></span>y\", jfr<span class=\"_ _0\"></span>. </span><span style=\"display:inherit;clear:left;\">CRR/CRD IV<span class=\"_ _1\"></span>-<span class=\"_ _1\"></span>f<span class=\"_ _1\"></span>orskrift<span class=\"_ _1\"></span>en), som p\u00e5<span class=\"_ _1\"></span>virker k<span class=\"_ _1\"></span>undens evne til \u00e5 be<span class=\"_ _1\"></span>tjene </span><span style=\"display:inherit;clear:left;\">sitt engasjemen<span class=\"_ _1\"></span>t. Misligholdssans<span class=\"_ _1\"></span>ynnlighet blir ber<span class=\"_ _1\"></span>egne<span class=\"_ _1\"></span>t v<span class=\"_ _1\"></span>ed </span><span style=\"display:inherit;clear:left;\">hjelp a<span class=\"_ _1\"></span>v sta<span class=\"_ _1\"></span>tis<span class=\"_ _1\"></span>tiske modeller (sc<span class=\"_ _1\"></span>or<span class=\"_ _1\"></span>ekort) b<span class=\"_ _1\"></span>y<span class=\"_ _1\"></span>gge<span class=\"_ _1\"></span>t p\u00e5 logistisk </span><span style=\"display:inherit;clear:left;\">regr<span class=\"_ _1\"></span>esjon. F<span class=\"_ _2\"></span>or \u00e5 gruppere kr<span class=\"_ _1\"></span>edit<span class=\"_ _1\"></span>tporte<span class=\"_ _1\"></span>f<span class=\"_ _1\"></span>\u00f8ljen i Sparebank<span class=\"_ _1\"></span>en V<span class=\"_ _2\"></span>est </span><span style=\"display:inherit;clear:left;\">benyt<span class=\"_ _1\"></span>tes de<span class=\"_ _1\"></span>t 11 risikoklas<span class=\"_ _1\"></span>ser fr<span class=\"_ _1\"></span>a A til K et<span class=\"_ _1\"></span>ter be<span class=\"_ _1\"></span>tjeningse<span class=\"_ _1\"></span>vne. </span><span style=\"display:inherit;clear:left;\">Risikoklasse K er eng<span class=\"_ _1\"></span>asjement i mislighold.</span><span style=\"display:inherit;clear:left;\">ii) F<span class=\"_ _2\"></span>orvent<span class=\"_ _1\"></span>et ek<span class=\"_ _1\"></span>sponering ved mis<span class=\"_ _1\"></span>lighold (EAD) <span class=\"ff4\">er en beregne<span class=\"_ _1\"></span>t </span></span><span style=\"display:inherit;clear:left;\">st<span class=\"_ _1\"></span>\u00f8rrelse som viser f<span class=\"_ _1\"></span>orv<span class=\"_ _1\"></span>en<span class=\"_ _1\"></span>te<span class=\"_ _1\"></span>t eksponering mo<span class=\"_ _1\"></span>t kunden p\u00e5 </span><span style=\"display:inherit;clear:left;\">tidspunkt for mislighold. EAD blir e<span class=\"_ _1\"></span>stimert som summen a<span class=\"_ _1\"></span>v </span><span style=\"display:inherit;clear:left;\">observert tr<span class=\"_ _1\"></span>ekk og f<span class=\"_ _1\"></span>orven<span class=\"_ _1\"></span>te<span class=\"_ _1\"></span>t tr<span class=\"_ _1\"></span>ekk p\u00e5 utrukne r<span class=\"_ _1\"></span>ammer<span class=\"_ _0\"></span>.</span><span style=\"display:inherit;clear:left;\">iii) T<span class=\"_ _2\"></span>ap git<span class=\"_ _1\"></span>t mislighold (L<span class=\"_ _2\"></span>GD) <span class=\"ff4\">angir tapsgraden f<span class=\"_ _1\"></span>or engasjemen<span class=\"_ _1\"></span>t i </span></span><span style=\"display:inherit;clear:left;\">mislighold uttrykt som pr<span class=\"_ _1\"></span>osent a<span class=\"_ _2\"></span>v EAD. F<span class=\"_ _2\"></span>or b\u00e5de personmarked </span><span style=\"display:inherit;clear:left;\">(PM) og bedriftsmarked (BM) blir denne k<span class=\"_ _1\"></span>alkulert basert p\u00e5 </span><span style=\"display:inherit;clear:left;\">int<span class=\"_ _1\"></span>erne modeller<span class=\"_ _0\"></span>. Pan<span class=\"_ _1\"></span>te<span class=\"_ _1\"></span>type, pant<span class=\"_ _1\"></span>ev<span class=\"_ _1\"></span>er<span class=\"_ _1\"></span>di og sanns<span class=\"_ _1\"></span>ynlighet<span class=\"_ _1\"></span>en f<span class=\"_ _1\"></span>or </span><span style=\"display:inherit;clear:left;\">tilfriskning er sentr<span class=\"_ _1\"></span>ale par<span class=\"_ _1\"></span>ame<span class=\"_ _1\"></span>ter<span class=\"_ _1\"></span>e i ber<span class=\"_ _1\"></span>egning<span class=\"_ _1\"></span>en a<span class=\"_ _1\"></span>v tapsgr<span class=\"_ _1\"></span>ad. I </span><span style=\"display:inherit;clear:left;\">tillegg til \u00e5 beregne f<span class=\"_ _1\"></span>orv<span class=\"_ _1\"></span>en<span class=\"_ _1\"></span>te<span class=\"_ _1\"></span>t tapsgr<span class=\"_ _1\"></span>ad, jus<span class=\"_ _1\"></span>ter<span class=\"_ _1\"></span>es de<span class=\"_ _1\"></span>t f<span class=\"_ _1\"></span>or ned-</span><span style=\"display:inherit;clear:left;\">gangskonjunktur v<span class=\"_ _1\"></span>ed \u00e5 ber<span class=\"_ _1\"></span>egne \u201d<span class=\"_ _1\"></span>down<span class=\"_ _1\"></span>turn L<span class=\"_ _2\"></span>GD\u201d. Et<span class=\"_ _1\"></span>tersom </span><span style=\"display:inherit;clear:left;\">banken har f<span class=\"_ _1\"></span>\u00e5<span class=\"_ _1\"></span>t<span class=\"_ _1\"></span>t AIRB-godkjenning, benyt<span class=\"_ _1\"></span>tes do<span class=\"_ _1\"></span>wn<span class=\"_ _1\"></span>turn L<span class=\"_ _1\"></span>GD fr<span class=\"_ _1\"></span>a </span><span style=\"display:inherit;clear:left;\">bankens in<span class=\"_ _1\"></span>terne modeller i ber<span class=\"_ _1\"></span>egning a<span class=\"_ _1\"></span>v k<span class=\"_ _1\"></span>apitaldekning for b\u00e5<span class=\"_ _1\"></span>de </span><span style=\"display:inherit;clear:left;\">PM og BM. Unntak gjelder f<span class=\"_ _1\"></span>or boligl\u00e5nsport<span class=\"_ _1\"></span>ef<span class=\"_ _1\"></span>\u00f8ljen der de<span class=\"_ _1\"></span>t er kr<span class=\"_ _1\"></span>a<span class=\"_ _1\"></span>v </span><span style=\"display:inherit;clear:left;\">om a<span class=\"_ _1\"></span>t L<span class=\"_ _1\"></span>GD som ben<span class=\"_ _1\"></span>ytt<span class=\"_ _1\"></span>es i kapitaldekning skal ber<span class=\"_ _1\"></span>egnes i henhold </span><span style=\"display:inherit;clear:left;\">til en re<span class=\"_ _1\"></span>f<span class=\"_ _1\"></span>er<span class=\"_ _1\"></span>ansemodell gitt a<span class=\"_ _1\"></span>v Finanstils<span class=\"_ _1\"></span>yne<span class=\"_ _1\"></span>t.</span><span style=\"display:inherit;clear:left;\">Scor<span class=\"_ _1\"></span>ekortmodellene er s<span class=\"_ _1\"></span>ta<span class=\"_ _1\"></span>tistisk<span class=\"_ _1\"></span>e modeller f<span class=\"_ _1\"></span>or \u00e5 pr<span class=\"_ _1\"></span>ediker<span class=\"_ _1\"></span>e </span><span style=\"display:inherit;clear:left;\">fram<span class=\"_ _1\"></span>tidig<span class=\"_ _1\"></span>e utf<span class=\"_ _1\"></span>all. Her anv<span class=\"_ _1\"></span>endes da<span class=\"_ _1\"></span>ta fr<span class=\"_ _1\"></span>a in<span class=\"_ _1\"></span>terne og ek<span class=\"_ _1\"></span>st<span class=\"_ _1\"></span>erne </span><span style=\"display:inherit;clear:left;\">kilder<span class=\"_ _2\"></span>, og alle engasjemen<span class=\"_ _1\"></span>t risikoklas<span class=\"_ _1\"></span>sifiser<span class=\"_ _1\"></span>es m\u00e5nedlig. F<span class=\"_ _1\"></span>or alle </span><span style=\"display:inherit;clear:left;\">engasjemen<span class=\"_ _1\"></span>t har banken aut<span class=\"_ _1\"></span>oma<span class=\"_ _1\"></span>tisert f<span class=\"_ _1\"></span>angst a<span class=\"_ _1\"></span>v risik<span class=\"_ _1\"></span>oda<span class=\"_ _1\"></span>ta. F<span class=\"_ _2\"></span>or </span><span style=\"display:inherit;clear:left;\">bedriftsengasjemen<span class=\"_ _1\"></span>t er det i tillegg manuell opp<span class=\"_ _1\"></span>f<span class=\"_ _1\"></span>\u00f8lging og </span><span style=\"display:inherit;clear:left;\">oppda<span class=\"_ _1\"></span>tering med en fr<span class=\"_ _1\"></span>ekv<span class=\"_ _1\"></span>ens a<span class=\"_ _1\"></span>vhengig a<span class=\"_ _1\"></span>v engasjemen<span class=\"_ _1\"></span>te<span class=\"_ _1\"></span>ts </span><span style=\"display:inherit;clear:left;\">st<span class=\"_ _1\"></span>\u00f8rrelse o<span class=\"_ _1\"></span>g risiko<span class=\"_ _1\"></span>. Risikoklas<span class=\"_ _1\"></span>sifiseringen gir n\u00f8kkeltall som er </span><span style=\"display:inherit;clear:left;\">sentr<span class=\"_ _1\"></span>ale i s<span class=\"_ _1\"></span>tyringen a<span class=\"_ _1\"></span>v bank<span class=\"_ _1\"></span>en. </span><span style=\"display:inherit;clear:left;\">Risikoklas<span class=\"_ _1\"></span>ser basert p\u00e5 misligholdssanns<span class=\"_ _1\"></span>ynlighe<span class=\"_ _1\"></span>t</span><span style=\"display:inherit;clear:left;\">Risikoklas<span class=\"_ _1\"></span>se<span class=\"_ _7a\"> </span>F<span class=\"_ _1\"></span>r<span class=\"_ _1\"></span>a og med<span class=\"_ _97\"> </span><span class=\"ls84 wsdf\">Til</span></span><span style=\"display:inherit;clear:left;\">A<span class=\"_ _182\"> </span><span class=\"ls109 ws16b\">0,0<span class=\"_ _8\"></span>0 %<span class=\"_ _86\"> </span></span>0,<span class=\"_ _2\"></span>10 %</span><span style=\"display:inherit;clear:left;\">B<span class=\"_ _1f9\"> </span>0,<span class=\"_ _0\"></span>10 %<span class=\"_ _6b\"> </span>0<span class=\"_ _1\"></span>,2<span class=\"_ _1\"></span>5 %</span><span style=\"display:inherit;clear:left;\">C<span class=\"_ _1fa\"> </span>0,2<span class=\"_ _1\"></span>5 %<span class=\"_ _83\"> </span><span class=\"ls109 ws16b\">0,5<span class=\"_ _8\"></span>0 %</span></span><span style=\"display:inherit;clear:left;\">D<span class=\"_ _182\"> </span><span class=\"ls109 ws16b\">0,5<span class=\"_ _8\"></span>0 %<span class=\"_ _85\"> </span></span>0,<span class=\"_ _1\"></span>90 %</span><span style=\"display:inherit;clear:left;\">E<span class=\"_ _f4\"> </span>0,90 %<span class=\"_ _8e\"> </span>1,50 %</span><span style=\"display:inherit;clear:left;\">F<span class=\"_ _1fb\"> </span>1,50 %<span class=\"_ _9b\"> </span>2,<span class=\"_ _2\"></span>75 %</span><span style=\"display:inherit;clear:left;\">G<span class=\"_ _15e\"> </span>2,<span class=\"_ _2\"></span>75 %<span class=\"_ _83\"> </span>5,<span class=\"_ _1\"></span>00 %</span><span style=\"display:inherit;clear:left;\">H<span class=\"_ _182\"> </span>5,<span class=\"_ _1\"></span>00 %<span class=\"_ _cc\"> </span>10,<span class=\"_ _1\"></span>00 %</span><span style=\"display:inherit;clear:left;\">I<span class=\"_ _182\"> </span>10<span class=\"_ _1\"></span>,<span class=\"_ _1\"></span>00 %<span class=\"_ _131\"> </span>25,<span class=\"_ _1\"></span>00 %</span><span style=\"display:inherit;clear:left;\">J<span class=\"_ _ad\"> </span>25<span class=\"_ _1\"></span>,00 %<span class=\"_ _ea\"> </span>100,00 %</span><span style=\"display:inherit;clear:left;\">K<span class=\"_ _14e\"> </span>100,<span class=\"_ _1\"></span>00 %<span class=\"_ _5c\"> </span>100,<span class=\"_ _1\"></span>00 %</span><span style=\"display:inherit;clear:left;\">KONSERN<span class=\"_ _23\"> </span><span class=\"lsd wsd\">Engasjementsbel\u00f8p<span class=\"_ _76\"> </span><span class=\"ls5 ws5\">Ned<span class=\"_ _8\"></span>skriving</span></span></span><span style=\"display:inherit;clear:left;\">Sum pr<span class=\"_ _2\"></span>.<span class=\"ls0 ws0\"> </span></span><span style=\"display:inherit;clear:left;\">Sum pr<span class=\"_ _2\"></span>.<span class=\"ls0 ws0\"> </span></span><span style=\"display:inherit;clear:left;\">Sum pr<span class=\"_ _2\"></span>.<span class=\"ls0 ws0\"> </span></span><span style=\"display:inherit;clear:left;\">Sum pr<span class=\"_ _2\"></span>.<span class=\"ls0 ws0\"> </span></span><span style=\"display:inherit;clear:left;\">Steg 1<span class=\"_ _5c\"> </span>Steg 2<span class=\"_ _c6\"> </span>Ste<span class=\"_ _8\"></span>g 3</span><span style=\"display:inherit;clear:left;\">3<span class=\"_ _8\"></span>1/<span class=\"_ _a\"></span>1<span class=\"_ _8\"></span>2-2<span class=\"_ _8\"></span>3</span><span style=\"display:inherit;clear:left;\">3<span class=\"_ _8\"></span>1/<span class=\"_ _a\"></span>1<span class=\"_ _8\"></span>2-2<span class=\"_ _8\"></span>2<span class=\"_ _9e\"> </span><span class=\"lsa wsa\">Steg 1<span class=\"_ _ea\"> </span>St<span class=\"_ _8\"></span>eg 2<span class=\"_ _c6\"> </span>Ste<span class=\"_ _8\"></span>g 3</span></span><span style=\"display:inherit;clear:left;\">3<span class=\"_ _8\"></span>1/<span class=\"_ _a\"></span>1<span class=\"_ _8\"></span>2-2<span class=\"_ _8\"></span>3</span><span style=\"display:inherit;clear:left;\">3<span class=\"_ _8\"></span>1/<span class=\"_ _a\"></span>1<span class=\"_ _8\"></span>2-2<span class=\"_ _8\"></span>2</span><span style=\"display:inherit;clear:left;\">Bedriftsmarked</span><span style=\"display:inherit;clear:left;\">A-D<span class=\"_ _cf\"> </span><span class=\"ls0 ws0\">3<span class=\"_ _8\"></span>0 400<span class=\"_ _cc\"> </span>3 118<span class=\"_ _78\"> </span>0<span class=\"_ _19\"> </span>33 518<span class=\"_ _c1\"> </span>30 903<span class=\"_ _8d\"> </span><span class=\"ls128 ws1d2\">83<span class=\"_ _94\"> </span><span class=\"ls33 ws84\">58<span class=\"_ _17\"> </span></span></span>0<span class=\"_ _86\"> </span><span class=\"ls131 ws1dd\">1<span class=\"_ _8\"></span>41<span class=\"_ _74\"> </span></span>65</span></span><span style=\"display:inherit;clear:left;\">E-<span class=\"_ _8\"></span>H<span class=\"_ _e1\"> </span></span><span style=\"display:inherit;clear:left;\">28 051<span class=\"_ _19a\"> </span>7 101<span class=\"_ _78\"> </span>0<span class=\"_ _19\"> </span>35 152<span class=\"_ _5a\"> </span></span><span style=\"display:inherit;clear:left;\">32<span class=\"_ _a\"></span> 6<span class=\"_ _8\"></span>87<span class=\"_ _14\"> </span></span><span style=\"display:inherit;clear:left;\">167<span class=\"_ _74\"> </span><span class=\"ls82 ws14b\">97<span class=\"_ _17\"> </span></span></span><span style=\"display:inherit;clear:left;\">0</span><span style=\"display:inherit;clear:left;\"><span class=\"_ _cd\"> </span><span class=\"ls125 ws1cf\">26<span class=\"_ _8\"></span>4<span class=\"_ _83\"> </span><span class=\"ls139 ws1e6\">338</span></span></span><span style=\"display:inherit;clear:left;\">I-J<span class=\"_ _16a\"> </span></span><span style=\"display:inherit;clear:left;\">1 662<span class=\"_ _8a\"> </span><span class=\"ls123 ws1cd\">802<span class=\"_ _17\"> </span></span>0<span class=\"_ _5b\"> </span>2 464<span class=\"_ _1b4\"> </span></span><span style=\"display:inherit;clear:left;\">2 040<span class=\"_ _e9\"> </span></span><span style=\"display:inherit;clear:left;\">14<span class=\"_ _94\"> </span><span class=\"ls122 ws1cc\">26<span class=\"_ _78\"> </span></span></span><span style=\"display:inherit;clear:left;\">0</span><span style=\"display:inherit;clear:left;\"><span class=\"_ _6e\"> </span><span class=\"ls133 ws1e0\">40<span class=\"_ _94\"> </span><span class=\"ls135 ws1e2\">89</span></span></span><span style=\"display:inherit;clear:left;\">K<span class=\"_ _1d1\"> </span>2<span class=\"_ _17\"> </span>0<span class=\"_ _131\"> </span><span class=\"lsa wsa\">1 237<span class=\"_ _c7\"> </span></span>1 23<span class=\"_ _8\"></span>9<span class=\"_ _a8\"> </span>1 0<span class=\"_ _8\"></span>20<span class=\"_ _4a\"> </span>0<span class=\"_ _17\"> </span>0<span class=\"_ _90\"> </span><span class=\"ls11 ws11\">400<span class=\"_ _90\"> </span>400<span class=\"_ _8a\"> </span><span class=\"ls33 ws84\">36<span class=\"_ _8\"></span>3</span></span></span><span style=\"display:inherit;clear:left;\">T<span class=\"_ _2\"></span>otalt bedr<span class=\"_ _1\"></span>ifts<span class=\"_ _1\"></span><span class=\"ls0 ws0\">-</span></span><span style=\"display:inherit;clear:left;\">marked<span class=\"_ _ee\"> </span></span><span style=\"display:inherit;clear:left;\">60 1<span class=\"_ _8\"></span>14<span class=\"_ _5c\"> </span></span><span style=\"display:inherit;clear:left;\">11 0<span class=\"_ _8\"></span>21<span class=\"_ _d8\"> </span></span><span style=\"display:inherit;clear:left;\">1 2<span class=\"_ _8\"></span>37<span class=\"_ _bf\"> </span></span><span style=\"display:inherit;clear:left;\">72 3<span class=\"_ _8\"></span>72<span class=\"_ _c2\"> </span></span><span style=\"display:inherit;clear:left;\">66 6<span class=\"_ _8\"></span>50<span class=\"_ _ba\"> </span></span><span style=\"display:inherit;clear:left;\">264<span class=\"_ _189\"> </span></span><span style=\"display:inherit;clear:left;\">181<span class=\"_ _b7\"> </span></span><span style=\"display:inherit;clear:left;\">400<span class=\"_ _89\"> </span><span class=\"ls11 ws11\">845<span class=\"_ _89\"> </span><span class=\"lse wse\">855</span></span></span><span style=\"display:inherit;clear:left;\">Sum pr<span class=\"_ _2\"></span>.<span class=\"ls0 ws0\"> </span></span><span style=\"display:inherit;clear:left;\">Sum pr<span class=\"_ _2\"></span>.<span class=\"ls0 ws0\"> </span></span><span style=\"display:inherit;clear:left;\">Sum pr<span class=\"_ _2\"></span>.<span class=\"ls0 ws0\"> </span></span><span style=\"display:inherit;clear:left;\">Sum pr<span class=\"_ _2\"></span>.<span class=\"ls0 ws0\"> </span></span><span style=\"display:inherit;clear:left;\">Steg 1<span class=\"_ _5c\"> </span>Steg 2<span class=\"_ _c6\"> </span>Ste<span class=\"_ _8\"></span>g 3</span><span style=\"display:inherit;clear:left;\">3<span class=\"_ _8\"></span>1/<span class=\"_ _a\"></span>1<span class=\"_ _8\"></span>2-2<span class=\"_ _8\"></span>3</span><span style=\"display:inherit;clear:left;\">3<span class=\"_ _8\"></span>1/<span class=\"_ _a\"></span>1<span class=\"_ _8\"></span>2-2<span class=\"_ _8\"></span>2<span class=\"_ _9e\"> </span><span class=\"lsa wsa\">Steg 1<span class=\"_ _ea\"> </span>St<span class=\"_ _8\"></span>eg 2<span class=\"_ _c6\"> </span>Ste<span class=\"_ _8\"></span>g 3</span></span><span style=\"display:inherit;clear:left;\">3<span class=\"_ _8\"></span>1/<span class=\"_ _a\"></span>1<span class=\"_ _8\"></span>2-2<span class=\"_ _8\"></span>3</span><span style=\"display:inherit;clear:left;\">3<span class=\"_ _8\"></span>1/<span class=\"_ _a\"></span>1<span class=\"_ _8\"></span>2-2<span class=\"_ _8\"></span>2</span><span style=\"display:inherit;clear:left;\">Priva<span class=\"_ _1\"></span>tmark<span class=\"_ _1\"></span>ed</span><span style=\"display:inherit;clear:left;\">A-D<span class=\"_ _1c\"> </span></span><span style=\"display:inherit;clear:left;\">170 9<span class=\"_ _8\"></span>32<span class=\"_ _131\"> </span></span><span style=\"display:inherit;clear:left;\">1<span class=\"_ _8\"></span> 74<span class=\"_ _a\"></span>5<span class=\"_ _16\"> </span><span class=\"ls0 ws0\">0<span class=\"_ _c2\"> </span>17<span class=\"_ _1\"></span>2 6<span class=\"_ _1\"></span>7<span class=\"_ _1\"></span>6<span class=\"_ _59\"> </span>152 83<span class=\"_ _1\"></span>7<span class=\"_ _8d\"> </span><span class=\"lse wse\">38<span class=\"_ _78\"> </span></span>6<span class=\"_ _78\"> </span>0<span class=\"_ _6f\"> </span>44<span class=\"_ _93\"> </span>10</span></span><span style=\"display:inherit;clear:left;\">E-<span class=\"_ _8\"></span>H<span class=\"_ _e1\"> </span></span><span style=\"display:inherit;clear:left;\">31<span class=\"_ _8\"></span> 070<span class=\"_ _d8\"> </span></span><span style=\"display:inherit;clear:left;\">3 481<span class=\"_ _78\"> </span>0<span class=\"_ _10e\"> </span></span><span style=\"display:inherit;clear:left;\">34 5<span class=\"_ _8\"></span>50<span class=\"_ _c3\"> </span></span><span style=\"display:inherit;clear:left;\">28 5<span class=\"_ _8\"></span>43<span class=\"_ _8b\"> </span></span><span style=\"display:inherit;clear:left;\">14<span class=\"_ _94\"> </span><span class=\"ls122 ws1cc\">26<span class=\"_ _17\"> </span></span></span><span style=\"display:inherit;clear:left;\">0</span><span style=\"display:inherit;clear:left;\"><span class=\"_ _6e\"> </span><span class=\"ls133 ws1e0\">40<span class=\"_ _94\"> </span><span class=\"ls12c ws1d6\">30</span></span></span><span style=\"display:inherit;clear:left;\">I-J<span class=\"_ _16a\"> </span></span><span style=\"display:inherit;clear:left;\">1 502<span class=\"_ _c7\"> </span><span class=\"ls9 ws9\">1 632<span class=\"_ _78\"> </span></span>0<span class=\"_ _d8\"> </span>3 134<span class=\"_ _131\"> </span>2 8<span class=\"_ _1\"></span>21<span class=\"_ _a1\"> </span>3<span class=\"_ _74\"> </span><span class=\"ls12d ws1d7\">33<span class=\"_ _18\"> </span></span>0<span class=\"_ _74\"> </span><span class=\"ls12c ws1d6\">36<span class=\"_ _ba\"> </span><span class=\"ls122 ws1cc\">43</span></span></span><span style=\"display:inherit;clear:left;\">K<span class=\"_ _1fc\"> </span>0<span class=\"_ _17\"> </span>0<span class=\"_ _87\"> </span></span><span style=\"display:inherit;clear:left;\">32<span class=\"_ _8\"></span>2<span class=\"_ _87\"> </span>322<span class=\"_ _83\"> </span><span class=\"ls120 ws1cb\">273<span class=\"_ _a1\"> </span></span></span><span style=\"display:inherit;clear:left;\">0</span><span style=\"display:inherit;clear:left;\"><span class=\"_ _17\"> </span></span><span style=\"display:inherit;clear:left;\">0</span><span style=\"display:inherit;clear:left;\"><span class=\"_ _ba\"> </span><span class=\"lse wse\">60<span class=\"_ _ba\"> </span>60<span class=\"_ _74\"> </span><span class=\"lsa wsa\">37</span></span></span><span style=\"display:inherit;clear:left;\">T<span class=\"_ _2\"></span>otalt priva<span class=\"_ _1\"></span>tmark<span class=\"_ _1\"></span>ed<span class=\"_ _1fd\"> </span></span><span style=\"display:inherit;clear:left;\">203 504<span class=\"_ _10a\"> </span><span class=\"ls92 wsee\">6 857<span class=\"_ _8a\"> </span><span class=\"ls9 ws9\">322<span class=\"_ _b9\"> </span></span></span>2<span class=\"_ _8\"></span>10 683<span class=\"_ _11a\"> </span></span><span style=\"display:inherit;clear:left;\">1<span class=\"_ _8\"></span>8<span class=\"_ _a\"></span>4<span class=\"_ _8\"></span> 47<span class=\"_ _8\"></span>3<span class=\"_ _3e\"> </span></span><span style=\"display:inherit;clear:left;\">55<span class=\"_ _6e\"> </span></span><span style=\"display:inherit;clear:left;\">66<span class=\"_ _6e\"> </span>60<span class=\"_ _189\"> </span><span class=\"ls12 ws12\">181<span class=\"_ _83\"> </span><span class=\"ls11f ws1ca\">120</span></span></span><span style=\"display:inherit;clear:left;\">Sum<span class=\"_ _f3\"> </span><span class=\"ls0 ws0\">26<span class=\"_ _8\"></span>3 618<span class=\"_ _113\"> </span><span class=\"ls62 wsb6\">17 8<span class=\"_ _8\"></span>78<span class=\"_ _a3\"> </span></span>1 559<span class=\"_ _1fe\"> </span>283 0<span class=\"_ _8\"></span>55<span class=\"_ _bd\"> </span><span class=\"ls92 wsee\">22<span class=\"_ _8\"></span>9 173<span class=\"_ _72\"> </span><span class=\"ls11f ws1ca\">319<span class=\"_ _cd\"> </span><span class=\"ls145 ws1f4\">2<span class=\"_ _a\"></span>47<span class=\"_ _83\"> </span><span class=\"ls33 ws84\">461<span class=\"_ _9f\"> </span></span></span></span></span>1 026<span class=\"_ _87\"> </span><span class=\"ls15 ws15\">976</span></span></span><span style=\"display:inherit;clear:left;\">Nedskriving utl\u00e5n<span class=\"_ _1\"></span> (saldo<span class=\"_ _1\"></span>)<span class=\"_ _1ff\"> </span><span class=\"ls132 ws1de\">878<span class=\"_ _87\"> </span><span class=\"ls82 ws14b\">880</span></span></span><span style=\"display:inherit;clear:left;\">Nedskriving ubenyttet<span class=\"_ _1\"></span> kreditt, l\u00e5neti<span class=\"_ _1\"></span>lsagn og garan<span class=\"_ _1\"></span>tier<span class=\"_ _200\"> </span><span class=\"lsa wsa\">149<span class=\"_ _94\"> </span></span>96</span><span style=\"display:inherit;clear:left;\">Sum nedskrivinger<span class=\"_ _201\"> </span><span class=\"ls11f ws1ca\">1026<span class=\"_ _8a\"> </span><span class=\"ls15 ws15\">9<span class=\"_ _8\"></span>76</span></span></span><span style=\"display:inherit;clear:left;\">MORBANK<span class=\"_ _194\"> </span><span class=\"lsd wsd\">Enga<span class=\"_ _8\"></span>sjementsbel\u00f8p<span class=\"_ _76\"> </span><span class=\"ls5 ws5\">Nedskriving</span></span></span><span style=\"display:inherit;clear:left;\">Sum pr<span class=\"_ _2\"></span>.<span class=\"ls0 ws0\"> </span></span><span style=\"display:inherit;clear:left;\">Sum pr<span class=\"_ _2\"></span>.<span class=\"ls0 ws0\"> </span></span><span style=\"display:inherit;clear:left;\">Sum pr<span class=\"_ _2\"></span>.<span class=\"ls0 ws0\"> </span></span><span style=\"display:inherit;clear:left;\">Sum pr<span class=\"_ _2\"></span>.<span class=\"ls0 ws0\"> </span></span><span style=\"display:inherit;clear:left;\">Steg 1<span class=\"_ _5c\"> </span>Steg 2<span class=\"_ _c6\"> </span>Ste<span class=\"_ _8\"></span>g 3</span><span style=\"display:inherit;clear:left;\">3<span class=\"_ _8\"></span>1/<span class=\"_ _a\"></span>1<span class=\"_ _8\"></span>2-2<span class=\"_ _8\"></span>3</span><span style=\"display:inherit;clear:left;\">3<span class=\"_ _8\"></span>1/<span class=\"_ _a\"></span>1<span class=\"_ _8\"></span>2-2<span class=\"_ _8\"></span>2<span class=\"_ _9e\"> </span><span class=\"lsa wsa\">Steg 1<span class=\"_ _ea\"> </span>St<span class=\"_ _8\"></span>eg 2<span class=\"_ _c6\"> </span>Ste<span class=\"_ _8\"></span>g 3</span></span><span style=\"display:inherit;clear:left;\">3<span class=\"_ _8\"></span>1/<span class=\"_ _a\"></span>1<span class=\"_ _8\"></span>2-2<span class=\"_ _8\"></span>3</span><span style=\"display:inherit;clear:left;\">3<span class=\"_ _8\"></span>1/<span class=\"_ _a\"></span>1<span class=\"_ _8\"></span>2-2<span class=\"_ _8\"></span>2</span><span style=\"display:inherit;clear:left;\">Bedriftsmarked</span><span style=\"display:inherit;clear:left;\">A-D<span class=\"_ _5e\"> </span></span><span style=\"display:inherit;clear:left;\">28 8<span class=\"_ _8\"></span>79<span class=\"_ _9e\"> </span><span class=\"ls0 ws0\">3 093<span class=\"_ _78\"> </span>0<span class=\"_ _ea\"> </span><span class=\"ls6 ws6\">3<span class=\"_ _8\"></span>1<span class=\"_ _8\"></span> 97<span class=\"_ _8\"></span>3<span class=\"_ _5a\"> </span><span class=\"ls125 ws1cf\">29 256<span class=\"_ _3e\"> </span><span class=\"ls128 ws1d2\">83<span class=\"_ _ba\"> </span><span class=\"ls33 ws84\">58<span class=\"_ _78\"> </span></span></span></span></span>0<span class=\"_ _86\"> </span><span class=\"ls131 ws1dd\">1<span class=\"_ _8\"></span>41<span class=\"_ _74\"> </span></span>65</span></span><span style=\"display:inherit;clear:left;\">E-<span class=\"_ _8\"></span>H<span class=\"_ _e8\"> </span></span><span style=\"display:inherit;clear:left;\">27 6<span class=\"_ _8\"></span>75<span class=\"_ _9e\"> </span></span><span style=\"display:inherit;clear:left;\">6 9<span class=\"_ _8\"></span>95<span class=\"_ _17\"> </span>0<span class=\"_ _c3\"> </span><span class=\"ls4a ws9d\">3<span class=\"_ _8\"></span>4<span class=\"_ _8\"></span> 670<span class=\"_ _a5\"> </span></span>32 162<span class=\"_ _72\"> </span></span><span style=\"display:inherit;clear:left;\">166<span class=\"_ _94\"> </span><span class=\"ls5 ws5\">96<span class=\"_ _17\"> </span></span></span><span style=\"display:inherit;clear:left;\">0</span><span style=\"display:inherit;clear:left;\"><span class=\"_ _87\"> </span><span class=\"ls125 ws1cf\">262<span class=\"_ _83\"> </span><span class=\"ls139 ws1e6\">3<span class=\"_ _8\"></span>38</span></span></span><span style=\"display:inherit;clear:left;\">I-J<span class=\"_ _202\"> </span></span><span style=\"display:inherit;clear:left;\">1 610<span class=\"_ _87\"> </span><span class=\"ls124 ws1ce\">74<span class=\"_ _a\"></span>5<span class=\"_ _8d\"> </span></span>0<span class=\"_ _10b\"> </span></span><span style=\"display:inherit;clear:left;\">2<span class=\"_ _8\"></span> 354<span class=\"_ _131\"> </span></span><span style=\"display:inherit;clear:left;\">1 929<span class=\"_ _e9\"> </span></span><span style=\"display:inherit;clear:left;\">14<span class=\"_ _94\"> </span><span class=\"ls122 ws1cc\">26<span class=\"_ _78\"> </span></span></span><span style=\"display:inherit;clear:left;\">0</span><span style=\"display:inherit;clear:left;\"><span class=\"_ _108\"> </span><span class=\"ls133 ws1e0\">40<span class=\"_ _5d\"> </span><span class=\"ls132 ws1de\">87</span></span></span><span style=\"display:inherit;clear:left;\">K<span class=\"_ _1d1\"> </span>2<span class=\"_ _17\"> </span>0<span class=\"_ _d8\"> </span>1 230<span class=\"_ _131\"> </span><span class=\"ls9 ws9\">1 232<span class=\"_ _131\"> </span></span>1 01<span class=\"_ _8\"></span>0<span class=\"_ _4a\"> </span>0<span class=\"_ _17\"> </span>0<span class=\"_ _90\"> </span><span class=\"ls11 ws11\">400<span class=\"_ _90\"> </span>400<span class=\"_ _8a\"> </span><span class=\"ls33 ws84\">363</span></span></span><span style=\"display:inherit;clear:left;\">T<span class=\"_ _2\"></span>otalt bedr<span class=\"_ _1\"></span>ifts<span class=\"_ _1\"></span><span class=\"ls0 ws0\">-</span></span><span style=\"display:inherit;clear:left;\">marked<span class=\"_ _2d\"> </span></span><span style=\"display:inherit;clear:left;\">58 16<span class=\"_ _8\"></span>5<span class=\"_ _bf\"> </span>10 8<span class=\"_ _8\"></span>33<span class=\"_ _a8\"> </span>1 230<span class=\"_ _10e\"> </span></span><span style=\"display:inherit;clear:left;\">70<span class=\"_ _8\"></span> 2<span class=\"_ _8\"></span>29<span class=\"_ _10e\"> </span><span class=\"ls92 wsee\">64 3<span class=\"_ _8\"></span>57<span class=\"_ _74\"> </span><span class=\"ls11f ws1ca\">263<span class=\"_ _6b\"> </span></span>179<span class=\"_ _b7\"> </span><span class=\"ls123 ws1cd\">400<span class=\"_ _dd\"> </span><span class=\"ls11 ws11\">84<span class=\"_ _8\"></span>3<span class=\"_ _cd\"> </span></span></span>852</span></span><span style=\"display:inherit;clear:left;\">Sum pr<span class=\"_ _2\"></span>.<span class=\"ls0 ws0\"> </span></span><span style=\"display:inherit;clear:left;\">Sum pr<span class=\"_ _2\"></span>.<span class=\"ls0 ws0\"> </span></span><span style=\"display:inherit;clear:left;\">Sum pr<span class=\"_ _2\"></span>.<span class=\"ls0 ws0\"> </span></span><span style=\"display:inherit;clear:left;\">Sum pr<span class=\"_ _2\"></span>.<span class=\"ls0 ws0\"> </span></span><span style=\"display:inherit;clear:left;\">Steg 1<span class=\"_ _5c\"> </span>Steg 2<span class=\"_ _c6\"> </span>Ste<span class=\"_ _8\"></span>g 3</span><span style=\"display:inherit;clear:left;\">3<span class=\"_ _8\"></span>1/<span class=\"_ _a\"></span>1<span class=\"_ _8\"></span>2-2<span class=\"_ _8\"></span>3</span><span style=\"display:inherit;clear:left;\">3<span class=\"_ _8\"></span>1/<span class=\"_ _a\"></span>1<span class=\"_ _8\"></span>2-2<span class=\"_ _8\"></span>2<span class=\"_ _9e\"> </span><span class=\"lsa wsa\">Steg 1<span class=\"_ _ea\"> </span>St<span class=\"_ _8\"></span>eg 2<span class=\"_ _c6\"> </span>Ste<span class=\"_ _8\"></span>g 3</span></span><span style=\"display:inherit;clear:left;\">3<span class=\"_ _8\"></span>1/<span class=\"_ _a\"></span>1<span class=\"_ _8\"></span>2-2<span class=\"_ _8\"></span>3</span><span style=\"display:inherit;clear:left;\">3<span class=\"_ _8\"></span>1/<span class=\"_ _a\"></span>1<span class=\"_ _8\"></span>2-2<span class=\"_ _8\"></span>2</span><span style=\"display:inherit;clear:left;\">Priva<span class=\"_ _1\"></span>tmark<span class=\"_ _1\"></span>ed</span><span style=\"display:inherit;clear:left;\">A-D<span class=\"_ _e8\"> </span></span><span style=\"display:inherit;clear:left;\">48<span class=\"_ _8\"></span> 179<span class=\"_ _cd\"> </span></span><span style=\"display:inherit;clear:left;\">6<span class=\"_ _8\"></span>42<span class=\"_ _78\"> </span><span class=\"ls0 ws0\">0<span class=\"_ _111\"> </span>48 821<span class=\"_ _c3\"> </span><span class=\"ls12f ws1d9\">40<span class=\"_ _8\"></span> 573<span class=\"_ _9a\"> </span><span class=\"ls123 ws1cd\">16<span class=\"_ _91\"> </span></span></span>1<span class=\"_ _17\"> </span>0<span class=\"_ _72\"> </span>18<span class=\"_ _8d\"> </span>7</span></span><span style=\"display:inherit;clear:left;\">E-<span class=\"_ _8\"></span>H<span class=\"_ _16f\"> </span><span class=\"ls0 ws0\">10 600<span class=\"_ _db\"> </span>1 2<span class=\"_ _8\"></span>23<span class=\"_ _17\"> </span>0<span class=\"_ _1b4\"> </span>11 822<span class=\"_ _10b\"> </span>8 634<span class=\"_ _a1\"> </span>6<span class=\"_ _16\"> </span>9<span class=\"_ _78\"> </span>0<span class=\"_ _5d\"> </span>14<span class=\"_ _93\"> </span>14</span></span><span style=\"display:inherit;clear:left;\">I-J<span class=\"_ _181\"> </span></span><span style=\"display:inherit;clear:left;\">836<span class=\"_ _83\"> </span><span class=\"ls82 ws14b\">697<span class=\"_ _17\"> </span><span class=\"ls0 ws0\">0<span class=\"_ _d8\"> </span></span></span></span><span style=\"display:inherit;clear:left;\">1 5<span class=\"_ _8\"></span>34<span class=\"_ _db\"> </span></span><span style=\"display:inherit;clear:left;\">1<span class=\"_ _8\"></span> 262<span class=\"_ _a2\"> </span><span class=\"ls0 ws0\">2<span class=\"_ _1b\"> </span><span class=\"ls121 wsaa\">15<span class=\"_ _17\"> </span></span>0<span class=\"_ _72\"> </span>17<span class=\"_ _74\"> </span><span class=\"ls21 ws175\">23</span></span></span><span style=\"display:inherit;clear:left;\">K<span class=\"_ _1fc\"> </span>0<span class=\"_ _17\"> </span>0<span class=\"_ _8a\"> </span></span><span style=\"display:inherit;clear:left;\">202<span class=\"_ _cd\"> </span>20<span class=\"_ _8\"></span>2<span class=\"_ _6b\"> </span><span class=\"ls12 ws12\">139<span class=\"_ _4a\"> </span></span></span><span style=\"display:inherit;clear:left;\">0</span><span style=\"display:inherit;clear:left;\"><span class=\"_ _78\"> </span></span><span style=\"display:inherit;clear:left;\">0</span><span style=\"display:inherit;clear:left;\"><span class=\"_ _94\"> </span><span class=\"ls33 ws84\">39<span class=\"_ _94\"> </span>39<span class=\"_ _74\"> </span><span class=\"lsa wsa\">27</span></span></span><span style=\"display:inherit;clear:left;\">T<span class=\"_ _2\"></span>otalt priva<span class=\"_ _1\"></span>tmark<span class=\"_ _1\"></span>ed<span class=\"_ _c3\"> </span></span><span style=\"display:inherit;clear:left;\">59 615<span class=\"_ _9e\"> </span>2 562<span class=\"_ _89\"> </span><span class=\"ls11f ws1ca\">202<span class=\"_ _c3\"> </span><span class=\"ls13f ws1ed\">62 379<span class=\"_ _c2\"> </span></span></span>50 608<span class=\"_ _78\"> </span></span><span style=\"display:inherit;clear:left;\">24<span class=\"_ _94\"> </span></span><span style=\"display:inherit;clear:left;\">25<span class=\"_ _ba\"> </span></span><span style=\"display:inherit;clear:left;\">39<span class=\"_ _94\"> </span><span class=\"lse wse\">88<span class=\"_ _93\"> </span><span class=\"ls4f wsa1\">71</span></span></span><span style=\"display:inherit;clear:left;\">Sum<span class=\"_ _203\"> </span></span><span style=\"display:inherit;clear:left;\">117 78<span class=\"_ _8\"></span>0<span class=\"_ _5a\"> </span></span><span style=\"display:inherit;clear:left;\">13 395<span class=\"_ _10a\"> </span></span><span style=\"display:inherit;clear:left;\">1 4<span class=\"_ _8\"></span>32<span class=\"_ _11a\"> </span>132 6<span class=\"_ _8\"></span>08<span class=\"_ _57\"> </span></span><span style=\"display:inherit;clear:left;\">1<span class=\"_ _8\"></span>14 96<span class=\"_ _8\"></span>5<span class=\"_ _74\"> </span></span><span style=\"display:inherit;clear:left;\">287<span class=\"_ _cd\"> </span></span><span style=\"display:inherit;clear:left;\">205<span class=\"_ _dd\"> </span></span><span style=\"display:inherit;clear:left;\">438<span class=\"_ _89\"> </span><span class=\"ls11e wsb9\">930<span class=\"_ _cd\"> </span><span class=\"lsf2 ws154\">923</span></span></span><span style=\"display:inherit;clear:left;\">Nedskriving utl\u00e5n<span class=\"_ _1\"></span> (saldo<span class=\"_ _1\"></span>)<span class=\"_ _204\"> </span><span class=\"ls61 wsb5\">78<span class=\"_ _8\"></span>4<span class=\"_ _85\"> </span><span class=\"ls109 ws16b\">828</span></span></span><span style=\"display:inherit;clear:left;\">Nedskriving ubenyttet<span class=\"_ _1\"></span> kreditt, l\u00e5neti<span class=\"_ _1\"></span>lsagn og garan<span class=\"_ _1\"></span>tier<span class=\"_ _200\"> </span><span class=\"lsa wsa\">146<span class=\"_ _94\"> </span></span>96</span><span style=\"display:inherit;clear:left;\">Sum nedskrivinger<span class=\"_ _205\"> </span></span><span style=\"display:inherit;clear:left;\">930</span><span style=\"display:inherit;clear:left;\"><span class=\"_ _cd\"> </span><span class=\"lsf2 ws154\">923</span></span><span style=\"display:inherit;clear:left;\">No<span class=\"_ _1\"></span>te 9 U<span class=\"_ _1\"></span>tl\u00e5n f<span class=\"_ _c\"></span>ordel<span class=\"_ _1\"></span>t p\u00e5 geo<span class=\"_ _1\"></span>grafisk<span class=\"_ _1\"></span>e omr\u00e5der</span><span style=\"display:inherit;clear:left;\">KONSERN</span><span style=\"display:inherit;clear:left;\">31/12-<span class=\"_ _1\"></span>2022<span class=\"_ _206\"> </span>31/12-<span class=\"_ _1\"></span>2023</span><span style=\"display:inherit;clear:left;\">Andel</span><span style=\"display:inherit;clear:left;\">Nedskriv<span class=\"_ _1\"></span>ing </span><span style=\"display:inherit;clear:left;\">B<span class=\"_ _8\"></span>r<span class=\"_ _a\"></span>utt<span class=\"_ _8\"></span>o</span><span style=\"display:inherit;clear:left;\">Utl\u00e5n<span class=\"_ _1\"></span> forde<span class=\"_ _1\"></span>lt p\u00e5<span class=\"_ _1\"></span> geogr<span class=\"_ _1\"></span>afis<span class=\"_ _1\"></span>ke<span class=\"_ _1\"></span> <span class=\"ls0 ws0\"> </span></span><span style=\"display:inherit;clear:left;\">B<span class=\"_ _8\"></span>r<span class=\"_ _a\"></span>utt<span class=\"_ _8\"></span>o</span><span style=\"display:inherit;clear:left;\">Nedskriv<span class=\"_ _1\"></span>ing </span><span style=\"display:inherit;clear:left;\">Andel</span><span style=\"display:inherit;clear:left;\">n<span class=\"_ _8\"></span>e<span class=\"_ _8\"></span>tto<span class=\"_ _8\"></span> u<span class=\"_ _8\"></span>t<span class=\"_ _8\"></span>l<span class=\"_ _8\"></span>\u00e5<span class=\"_ _8\"></span>n</span><span style=\"display:inherit;clear:left;\">utl<span class=\"_ _8\"></span>\u00e5n</span><span style=\"display:inherit;clear:left;\">utl<span class=\"_ _8\"></span>\u00e5n</span><span style=\"display:inherit;clear:left;\">omr\u00e5de<span class=\"_ _1\"></span>r</span><span style=\"display:inherit;clear:left;\">utl<span class=\"_ _8\"></span>\u00e5n</span><span style=\"display:inherit;clear:left;\">utl<span class=\"_ _8\"></span>\u00e5n</span><span style=\"display:inherit;clear:left;\">n<span class=\"_ _8\"></span>e<span class=\"_ _8\"></span>tto<span class=\"_ _8\"></span> u<span class=\"_ _8\"></span>t<span class=\"_ _8\"></span>l<span class=\"_ _8\"></span>\u00e5<span class=\"_ _8\"></span>n</span><span style=\"display:inherit;clear:left;\">64,3<span class=\"_ _63\"> </span></span><span style=\"display:inherit;clear:left;\">644<span class=\"_ _db\"> </span></span><span style=\"display:inherit;clear:left;\">144 963<span class=\"_ _b9\"> </span></span><span style=\"display:inherit;clear:left;\">Vestland<span class=\"_ _207\"> </span></span><span style=\"display:inherit;clear:left;\">14<span class=\"_ _1\"></span>9 444<span class=\"_ _9d\"> </span><span class=\"ls84 wsdf\">524<span class=\"_ _4a\"> </span><span class=\"ls126 ws1d0\">58<span class=\"_ _8\"></span>,2</span></span></span><span style=\"display:inherit;clear:left;\">18,3<span class=\"_ _6a\"> </span></span><span style=\"display:inherit;clear:left;\">169<span class=\"_ _6b\"> </span></span><span style=\"display:inherit;clear:left;\">41<span class=\"_ _8\"></span> 24<span class=\"_ _8\"></span>2<span class=\"_ _b8\"> </span></span><span style=\"display:inherit;clear:left;\">Rogaland<span class=\"_ _208\"> </span></span><span style=\"display:inherit;clear:left;\">46 623<span class=\"_ _97\"> </span><span class=\"ls122 ws1cc\">268<span class=\"_ _e7\"> </span><span class=\"ls146 ws1f6\">1<span class=\"_ _a\"></span>8<span class=\"_ _a\"></span>,1</span></span></span><span style=\"display:inherit;clear:left;\">3,4<span class=\"_ _209\"> </span></span><span style=\"display:inherit;clear:left;\">29<span class=\"_ _1b\"> </span></span><span style=\"display:inherit;clear:left;\">7 651<span class=\"_ _b9\"> </span></span><span style=\"display:inherit;clear:left;\">M<span class=\"_ _8\"></span>\u00f8re<span class=\"_ _1\"></span> og Romsdal<span class=\"_ _11e\"> </span></span><span style=\"display:inherit;clear:left;\">9 359<span class=\"_ _48\"> </span><span class=\"ls122 ws1cc\">26<span class=\"_ _125\"> </span><span class=\"ls109 ws16b\">3,6</span></span></span><span style=\"display:inherit;clear:left;\">5,3<span class=\"_ _112\"> </span></span><span style=\"display:inherit;clear:left;\">17<span class=\"_ _65\"> </span><span class=\"ls0 ws0\">11 93<span class=\"_ _1\"></span>4<span class=\"_ _b9\"> </span><span class=\"ls11 ws11\">Osl<span class=\"_ _8\"></span>o<span class=\"_ _20a\"> </span></span>18 98<span class=\"_ _1\"></span>9<span class=\"_ _b6\"> </span>22<span class=\"_ _125\"> </span><span class=\"ls14a ws1fa\">7,<span class=\"_ _38\"></span>4</span></span></span><span style=\"display:inherit;clear:left;\">5,3<span class=\"_ _2f\"> </span><span class=\"ls0 ws0\">6<span class=\"_ _65\"> </span>11 966<span class=\"_ _b9\"> </span><span class=\"lsf wsf\">V<span class=\"_ _8\"></span>ike<span class=\"_ _8\"></span>n<span class=\"_ _1f1\"> </span></span>20 048<span class=\"_ _64\"> </span>11<span class=\"_ _63\"> </span><span class=\"ls14a ws1fa\">7,<span class=\"_ _a\"></span>8</span></span></span><span style=\"display:inherit;clear:left;\">3,0<span class=\"_ _2f\"> </span><span class=\"ls0 ws0\">9<span class=\"_ _ba\"> </span>6 688<span class=\"_ _11a\"> </span>Norg<span class=\"_ _1\"></span>e f<span class=\"_ _1\"></span>or \u00f8vrig<span class=\"_ _123\"> </span>11 504<span class=\"_ _84\"> </span>17<span class=\"_ _99\"> </span><span class=\"ls12c ws1d6\">4,5</span></span></span><span style=\"display:inherit;clear:left;\">99,6<span class=\"_ _88\"> </span></span><span style=\"display:inherit;clear:left;\">8<span class=\"_ _a\"></span>74<span class=\"_ _10a\"> </span></span><span style=\"display:inherit;clear:left;\">224 44<span class=\"_ _1\"></span>5<span class=\"_ _b9\"> </span>Sum Norge<span class=\"_ _20b\"> </span>255 966<span class=\"_ _9d\"> </span><span class=\"ls83 wsdd\">868<span class=\"_ _a1\"> </span><span class=\"ls14b ws1fb\">9<span class=\"_ _a\"></span>9<span class=\"_ _8\"></span>,7</span></span></span><span style=\"display:inherit;clear:left;\">0,4<span class=\"_ _2f\"> </span><span class=\"ls0 ws0\">6<span class=\"_ _75\"> </span><span class=\"ls136 ws1e3\">930<span class=\"_ _11a\"> </span></span>Utlandet<span class=\"_ _da\"> </span><span class=\"ls61 wsb5\">678<span class=\"_ _84\"> </span></span>10<span class=\"_ _117\"> </span></span>0,3</span><span style=\"display:inherit;clear:left;\">10<span class=\"_ _8\"></span>0,0<span class=\"_ _b6\"> </span></span><span style=\"display:inherit;clear:left;\">880<span class=\"_ _db\"> </span></span><span style=\"display:inherit;clear:left;\">225 3<span class=\"_ _1\"></span>7<span class=\"_ _0\"></span>4<span class=\"_ _11a\"> </span>Sum geogr<span class=\"_ _1\"></span>a<span class=\"_ _2\"></span>fiske omr<span class=\"_ _1\"></span>\u00e5der<span class=\"_ _2d\"> </span>256 644<span class=\"_ _15\"> </span><span class=\"ls12a ws1d4\">878<span class=\"_ _8d\"> </span><span class=\"ls84 wsdf\">10<span class=\"_ _8\"></span>0,0</span></span></span><span style=\"display:inherit;clear:left;\">MORBANK</span><span style=\"display:inherit;clear:left;\">31/12-<span class=\"_ _1\"></span>2022<span class=\"_ _206\"> </span>31/12-<span class=\"_ _1\"></span>2023</span><span style=\"display:inherit;clear:left;\">Andel</span><span style=\"display:inherit;clear:left;\">Nedskriv<span class=\"_ _1\"></span>ing </span><span style=\"display:inherit;clear:left;\">B<span class=\"_ _8\"></span>r<span class=\"_ _a\"></span>utt<span class=\"_ _8\"></span>o</span><span style=\"display:inherit;clear:left;\">Utl\u00e5n<span class=\"_ _1\"></span> forde<span class=\"_ _1\"></span>lt p\u00e5<span class=\"_ _1\"></span> geogr<span class=\"_ _1\"></span>afis<span class=\"_ _1\"></span>ke<span class=\"_ _1\"></span> <span class=\"ls0 ws0\"> </span></span><span style=\"display:inherit;clear:left;\">B<span class=\"_ _8\"></span>r<span class=\"_ _a\"></span>utt<span class=\"_ _8\"></span>o</span><span style=\"display:inherit;clear:left;\">Nedskriv<span class=\"_ _1\"></span>ing </span><span style=\"display:inherit;clear:left;\">Andel</span><span style=\"display:inherit;clear:left;\">n<span class=\"_ _8\"></span>e<span class=\"_ _8\"></span>tto<span class=\"_ _8\"></span> u<span class=\"_ _8\"></span>t<span class=\"_ _8\"></span>l<span class=\"_ _8\"></span>\u00e5<span class=\"_ _8\"></span>n</span><span style=\"display:inherit;clear:left;\">utl<span class=\"_ _8\"></span>\u00e5n</span><span style=\"display:inherit;clear:left;\">utl<span class=\"_ _8\"></span>\u00e5n</span><span style=\"display:inherit;clear:left;\">omr\u00e5de<span class=\"_ _1\"></span>r</span><span style=\"display:inherit;clear:left;\">utl<span class=\"_ _8\"></span>\u00e5n</span><span style=\"display:inherit;clear:left;\">utl<span class=\"_ _8\"></span>\u00e5n</span><span style=\"display:inherit;clear:left;\">n<span class=\"_ _8\"></span>e<span class=\"_ _8\"></span>tto<span class=\"_ _8\"></span> u<span class=\"_ _8\"></span>t<span class=\"_ _8\"></span>l<span class=\"_ _8\"></span>\u00e5<span class=\"_ _8\"></span>n</span><span style=\"display:inherit;clear:left;\">60,9<span class=\"_ _b6\"> </span></span><span style=\"display:inherit;clear:left;\">608<span class=\"_ _85\"> </span></span><span style=\"display:inherit;clear:left;\">59 8<span class=\"_ _2\"></span>77<span class=\"_ _11a\"> </span></span><span style=\"display:inherit;clear:left;\">V<span class=\"_ _1\"></span>estland<span class=\"_ _133\"> </span></span><span style=\"display:inherit;clear:left;\">66 548<span class=\"_ _9d\"> </span><span class=\"lsd wsd\">463<span class=\"_ _a2\"> </span><span class=\"ls14a ws1fa\">5<span class=\"_ _a\"></span>7,<span class=\"_ _38\"></span>9</span></span></span><span style=\"display:inherit;clear:left;\">24,<span class=\"_ _8\"></span>4<span class=\"_ _84\"> </span></span><span style=\"display:inherit;clear:left;\">16<span class=\"_ _8\"></span>0<span class=\"_ _83\"> </span></span><span style=\"display:inherit;clear:left;\">23<span class=\"_ _8\"></span> 927<span class=\"_ _b8\"> </span></span><span style=\"display:inherit;clear:left;\">Rogaland<span class=\"_ _20c\"> </span></span><span style=\"display:inherit;clear:left;\">27 83<span class=\"_ _8\"></span>4<span class=\"_ _25\"> </span><span class=\"ls10 ws10\">251<span class=\"_ _15\"> </span><span class=\"ls146 ws1f6\">2<span class=\"_ _8\"></span>4<span class=\"_ _8\"></span>,1</span></span></span><span style=\"display:inherit;clear:left;\">6,2<span class=\"_ _209\"> </span></span><span style=\"display:inherit;clear:left;\">28<span class=\"_ _74\"> </span></span><span style=\"display:inherit;clear:left;\">6<span class=\"_ _8\"></span> 07<span class=\"_ _8\"></span>3<span class=\"_ _b8\"> </span></span><span style=\"display:inherit;clear:left;\">M\u00f8re<span class=\"_ _1\"></span> og Romsdal<span class=\"_ _11e\"> </span></span><span style=\"display:inherit;clear:left;\">7 208<span class=\"_ _20d\"> </span><span class=\"ls84 wsdf\">24<span class=\"_ _125\"> </span><span class=\"ls125 ws1cf\">6,3</span></span></span><span style=\"display:inherit;clear:left;\">4,0<span class=\"_ _69\"> </span></span><span style=\"display:inherit;clear:left;\">14<span class=\"_ _ba\"> </span></span><span style=\"display:inherit;clear:left;\">3<span class=\"_ _8\"></span> 894<span class=\"_ _11a\"> </span></span><span style=\"display:inherit;clear:left;\">Oslo<span class=\"_ _128\"> </span></span><span style=\"display:inherit;clear:left;\">6<span class=\"_ _8\"></span> 276<span class=\"_ _84\"> </span><span class=\"ls0 ws0\">18<span class=\"_ _125\"> </span><span class=\"ls139 ws1e6\">5,5</span></span></span><span style=\"display:inherit;clear:left;\">1<span class=\"_ _8\"></span>,7<span class=\"_ _ca\"> </span><span class=\"ls0 ws0\">3<span class=\"_ _5d\"> </span>1 645<span class=\"_ _b9\"> </span><span class=\"lsf wsf\">V<span class=\"_ _8\"></span>iken<span class=\"_ _20a\"> </span><span class=\"ls138 ws1e5\">3<span class=\"_ _8\"></span> 352<span class=\"_ _43\"> </span></span></span>4<span class=\"_ _117\"> </span><span class=\"ls62 wsb6\">2,9</span></span></span><span style=\"display:inherit;clear:left;\">1,8<span class=\"_ _2f\"> </span><span class=\"ls0 ws0\">8<span class=\"_ _1b\"> </span><span class=\"ls140 ws1ee\">1<span class=\"_ _a\"></span> 74<span class=\"_ _38\"></span>0<span class=\"_ _bd\"> </span></span>Nor<span class=\"_ _1\"></span>ge f<span class=\"_ _1\"></span>or \u00f8<span class=\"_ _1\"></span>vrig<span class=\"_ _20\"> </span><span class=\"ls125 ws1cf\">3 203<span class=\"_ _88\"> </span></span>14<span class=\"_ _117\"> </span><span class=\"ls120 ws1cb\">2,8</span></span></span><span style=\"display:inherit;clear:left;\">9<span class=\"_ _a\"></span>9<span class=\"_ _8\"></span>,1<span class=\"_ _88\"> </span></span><span style=\"display:inherit;clear:left;\">82<span class=\"_ _8\"></span>2<span class=\"_ _6b\"> </span></span><span style=\"display:inherit;clear:left;\">97 155<span class=\"_ _b9\"> </span>Sum Norg<span class=\"_ _1\"></span>e<span class=\"_ _13a\"> </span>114 422<span class=\"_ _15\"> </span><span class=\"ls147 ws1f7\">7<span class=\"_ _a\"></span>74<span class=\"_ _a1\"> </span><span class=\"ls84 wsdf\">9<span class=\"_ _8\"></span>9,5</span></span></span><span style=\"display:inherit;clear:left;\">1,0<span class=\"_ _2f\"> </span><span class=\"ls0 ws0\">6<span class=\"_ _75\"> </span><span class=\"ls136 ws1e3\">930<span class=\"_ _b8\"> </span></span>Utlande<span class=\"_ _1\"></span>t<span class=\"_ _70\"> </span><span class=\"ls126 ws1d0\">584<span class=\"_ _88\"> </span></span>10<span class=\"_ _117\"> </span><span class=\"ls109 ws16b\">0,5</span></span></span><span style=\"display:inherit;clear:left;\">10<span class=\"_ _8\"></span>0,0<span class=\"_ _49\"> </span></span><span style=\"display:inherit;clear:left;\">828<span class=\"_ _89\"> </span></span><span style=\"display:inherit;clear:left;\">98 085<span class=\"_ _11a\"> </span></span><span style=\"display:inherit;clear:left;\">Sum geogr<span class=\"_ _1\"></span>a<span class=\"_ _2\"></span>fiske omr<span class=\"_ _1\"></span>\u00e5der<span class=\"_ _173\"> </span>115 006<span class=\"_ _20e\"> </span></span><span style=\"display:inherit;clear:left;\">78<span class=\"_ _8\"></span>4</span><span style=\"display:inherit;clear:left;\"><span class=\"_ _8d\"> </span><span class=\"ls84 wsdf\">10<span class=\"_ _8\"></span>0,0</span></span><span style=\"display:inherit;clear:left;\">No<span class=\"_ _1\"></span>te 1<span class=\"_ _1\"></span>0 Engasj<span class=\"_ _1\"></span>eme<span class=\"_ _1\"></span>nt f<span class=\"_ _c\"></span>ordel<span class=\"_ _1\"></span>t p\u00e5 n\u00e6<span class=\"_ _1\"></span>ri<span class=\"_ _8\"></span>nge<span class=\"_ _1\"></span>r og personmark<span class=\"_ _1\"></span>ed<span class=\"_ _1\"></span>et</span><span style=\"display:inherit;clear:left;\">Misligholdte </span><span style=\"display:inherit;clear:left;\">Ubenyt<span class=\"_ _1\"></span>tede </span><span style=\"display:inherit;clear:left;\">Sum <span class=\"_ _4\"></span> </span><span style=\"display:inherit;clear:left;\">og tapsutsa<span class=\"_ _1\"></span>tt<span class=\"_ _1\"></span>e </span><span style=\"display:inherit;clear:left;\">Nedskrivning </span><span style=\"display:inherit;clear:left;\">2023<span class=\"_ _20f\"> </span><span class=\"ls0 ws0\">Utl\u00e5n</span></span><span style=\"display:inherit;clear:left;\">kr<span class=\"_ _1\"></span>editt<span class=\"_ _1\"></span>er<span class=\"_ _b8\"> </span>Gar<span class=\"_ _1\"></span>an<span class=\"_ _1\"></span>tier</span><span style=\"display:inherit;clear:left;\">engasjement</span><span style=\"display:inherit;clear:left;\">utl\u00e5n</span><span style=\"display:inherit;clear:left;\">utl\u00e5n </span><span style=\"display:inherit;clear:left;\">KONSERN</span><span style=\"display:inherit;clear:left;\">Jord-, sk<span class=\"_ _1\"></span>ogbruk og fisk<span class=\"_ _1\"></span>eri<span class=\"_ _194\"> </span>11 4<span class=\"_ _1\"></span>99<span class=\"_ _85\"> </span></span><span style=\"display:inherit;clear:left;\">1<span class=\"_ _a\"></span> 47<span class=\"_ _8\"></span>2<span class=\"_ _5d\"> </span><span class=\"ls136 ws1e3\">403<span class=\"_ _98\"> </span></span></span><span style=\"display:inherit;clear:left;\">13 3<span class=\"_ _1\"></span>7<span class=\"_ _0\"></span>4</span><span style=\"display:inherit;clear:left;\"><span class=\"_ _84\"> </span><span class=\"ls13 ws13\">27<span class=\"_ _8\"></span>7<span class=\"_ _b6\"> </span><span class=\"ls82 ws14b\">98</span></span></span><span style=\"display:inherit;clear:left;\">Industri og ber<span class=\"_ _1\"></span>gv<span class=\"_ _1\"></span>erk<span class=\"_ _210\"> </span>3 696<span class=\"_ _1a\"> </span></span><span style=\"display:inherit;clear:left;\">91<span class=\"_ _8\"></span>2<span class=\"_ _94\"> </span><span class=\"ls133 ws1e0\">408<span class=\"_ _e9\"> </span></span></span><span style=\"display:inherit;clear:left;\">5 015</span><span style=\"display:inherit;clear:left;\"><span class=\"_ _c8\"> </span><span class=\"ls120 ws1cb\">34<span class=\"_ _b6\"> </span><span class=\"ls9 ws9\">33</span></span></span><span style=\"display:inherit;clear:left;\">Kra<span class=\"_ _2\"></span>ft og vann<span class=\"_ _1\"></span>for<span class=\"_ _1\"></span>syning<span class=\"_ _123\"> </span>2 63<span class=\"_ _1\"></span>7<span class=\"_ _93\"> </span><span class=\"ls6b wsc3\">267<span class=\"_ _8b\"> </span></span>10<span class=\"_ _91\"> </span>2 914<span class=\"_ _114\"> </span>0<span class=\"_ _b1\"> </span>11</span><span style=\"display:inherit;clear:left;\">By</span><span style=\"display:inherit;clear:left;\">gg<span class=\"_ _2\"></span><span class=\"ls0 ws0\">e- og anle<span class=\"ls14d ws1fd\">gg</span>svirk<span class=\"_ _1\"></span>somhet<span class=\"_ _202\"> </span><span class=\"ls138 ws1e5\">7 3<span class=\"_ _8\"></span>69<span class=\"_ _85\"> </span><span class=\"ls4a ws9d\">1<span class=\"_ _8\"></span> 70<span class=\"_ _8\"></span>9<span class=\"_ _5d\"> </span><span class=\"ls13d ws1eb\">492<span class=\"_ _3e\"> </span></span></span>9 5<span class=\"_ _8\"></span>69<span class=\"_ _110\"> </span></span>219<span class=\"_ _20e\"> </span><span class=\"ls125 ws1cf\">203</span></span></span><span style=\"display:inherit;clear:left;\">V<span class=\"_ _2\"></span>arehandel<span class=\"_ _211\"> </span>3 130<span class=\"_ _87\"> </span>1 062<span class=\"_ _14\"> </span><span class=\"ls137 ws1e4\">1<span class=\"_ _8\"></span>72<span class=\"_ _8d\"> </span></span>4 365<span class=\"_ _10d\"> </span><span class=\"ls125 ws1cf\">20<span class=\"_ _49\"> </span><span class=\"ls13 ws13\">27</span></span></span><span style=\"display:inherit;clear:left;\">Utenriks sj\u00f8<span class=\"_ _1\"></span>f<span class=\"_ _1\"></span>art og tr<span class=\"_ _1\"></span>ansport<span class=\"_ _11c\"> </span>8 4<span class=\"_ _1\"></span>18<span class=\"_ _18\"> </span></span><span style=\"display:inherit;clear:left;\">51<span class=\"_ _8\"></span>1<span class=\"_ _6b\"> </span><span class=\"ls61 wsb5\">1<span class=\"_ _8\"></span> 0<span class=\"_ _8\"></span>37<span class=\"_ _8d\"> </span></span></span><span style=\"display:inherit;clear:left;\">9 965<span class=\"_ _69\"> </span>10<span class=\"_ _63\"> </span>64</span><span style=\"display:inherit;clear:left;\">Hot<span class=\"_ _1\"></span>ell og r<span class=\"_ _1\"></span>estaur<span class=\"_ _1\"></span>an<span class=\"_ _1\"></span>t<span class=\"_ _20c\"> </span></span><span style=\"display:inherit;clear:left;\">682<span class=\"_ _75\"> </span><span class=\"ls31 ws81\">75<span class=\"_ _a2\"> </span></span></span><span style=\"display:inherit;clear:left;\">8<span class=\"_ _15\"> </span><span class=\"ls4a ws9d\">76<span class=\"_ _8\"></span>5<span class=\"_ _146\"> </span></span>1<span class=\"_ _88\"> </span>14</span><span style=\"display:inherit;clear:left;\">Eiendomsdrift<span class=\"_ _105\"> </span>18 7<span class=\"_ _2\"></span>40<span class=\"_ _85\"> </span></span><span style=\"display:inherit;clear:left;\">1 6<span class=\"_ _8\"></span>29<span class=\"_ _12\"> </span></span><span style=\"display:inherit;clear:left;\">125<span class=\"_ _94\"> </span></span><span style=\"display:inherit;clear:left;\">20 49<span class=\"_ _8\"></span>4<span class=\"_ _116\"> </span><span class=\"ls136 ws1e3\">439<span class=\"_ _e7\"> </span><span class=\"ls82 ws14b\">198</span></span></span><span style=\"display:inherit;clear:left;\">Tjenest<span class=\"_ _1\"></span>e<span class=\"_ _1\"></span>ytende virksomhe<span class=\"_ _1\"></span>t<span class=\"_ _11b\"> </span></span><span style=\"display:inherit;clear:left;\">4 256<span class=\"_ _1b\"> </span></span><span style=\"display:inherit;clear:left;\">79<span class=\"_ _8\"></span>9<span class=\"_ _93\"> </span></span><span style=\"display:inherit;clear:left;\">3<span class=\"_ _8\"></span>32<span class=\"_ _75\"> </span></span><span style=\"display:inherit;clear:left;\">5<span class=\"_ _8\"></span> 3<span class=\"_ _8\"></span>87<span class=\"_ _84\"> </span><span class=\"ls133 ws1e0\">1<span class=\"_ _8\"></span>40<span class=\"_ _b6\"> </span><span class=\"ls13e ws1ec\">47</span></span></span><span style=\"display:inherit;clear:left;\">Off<span class=\"_ _1\"></span>entlig f<span class=\"_ _1\"></span>orv<span class=\"_ _1\"></span>altning<span class=\"_ _1cf\"> </span>63<span class=\"_ _4a\"> </span>0<span class=\"_ _a1\"> </span>0<span class=\"_ _48\"> </span>63<span class=\"_ _212\"> </span>0<span class=\"_ _43\"> </span>0</span><span style=\"display:inherit;clear:left;\">Andre finansielle f<span class=\"_ _1\"></span>or<span class=\"_ _1\"></span>e<span class=\"_ _1\"></span>tak<span class=\"_ _127\"> </span>444<span class=\"_ _8b\"> </span>16<span class=\"_ _97\"> </span>1<span class=\"_ _df\"> </span><span class=\"ls133 ws1e0\">461<span class=\"_ _212\"> </span></span>0<span class=\"_ _a0\"> </span>16</span><span style=\"display:inherit;clear:left;\">Sum n\u00e6ringsliv<span class=\"_ _149\"> </span></span><span style=\"display:inherit;clear:left;\">60 933<span class=\"_ _89\"> </span></span><span style=\"display:inherit;clear:left;\">8 4<span class=\"_ _8\"></span>52<span class=\"_ _8a\"> </span></span><span style=\"display:inherit;clear:left;\">2<span class=\"_ _8\"></span> 9<span class=\"_ _8\"></span>87<span class=\"_ _14\"> </span><span class=\"ls137 ws1e4\">72 372<span class=\"_ _117\"> </span></span></span><span style=\"display:inherit;clear:left;\">1 139<span class=\"_ _25\"> </span>710</span><span style=\"display:inherit;clear:left;\">Per<span class=\"_ _1\"></span>sonkunder<span class=\"_ _f8\"> </span>195 711<span class=\"_ _db\"> </span>14 963<span class=\"_ _a1\"> </span>9<span class=\"_ _8e\"> </span>210 683<span class=\"_ _49\"> </span><span class=\"ls125 ws1cf\">32<span class=\"_ _8\"></span>2<span class=\"_ _e7\"> </span><span class=\"ls6b wsc3\">1<span class=\"_ _8\"></span>67</span></span></span><span style=\"display:inherit;clear:left;\">Sum brutto eng<span class=\"_ _1\"></span>asjement<span class=\"_ _1e5\"> </span>256 644<span class=\"_ _c7\"> </span>23 4<span class=\"_ _2\"></span>15<span class=\"_ _90\"> </span>2 996<span class=\"_ _8a\"> </span></span><span style=\"display:inherit;clear:left;\">28<span class=\"_ _8\"></span>3 05<span class=\"_ _8\"></span>5<span class=\"_ _20e\"> </span><span class=\"ls12c ws1d6\">1 462<span class=\"_ _9c\"> </span><span class=\"ls12a ws1d4\">8<span class=\"_ _8\"></span>78</span></span></span><span style=\"display:inherit;clear:left;\"> - Modellberegne<span class=\"_ _1\"></span>t nedskriving BM (s<span class=\"_ _1\"></span>teg 1-<span class=\"_ _1\"></span>3)<span class=\"_ _116\"> </span><span class=\"ls139 ws1e6\">51<span class=\"_ _8\"></span>2<span class=\"_ _16\"> </span></span>84<span class=\"_ _9a\"> </span><span class=\"ls139 ws1e6\">51<span class=\"_ _15\"> </span><span class=\"ls13e ws1ec\">6<span class=\"_ _a\"></span>47</span></span></span><span style=\"display:inherit;clear:left;\"> - Modellberegne<span class=\"_ _1\"></span>t nedskriving PM (s<span class=\"_ _1\"></span>teg 1-<span class=\"_ _1\"></span>3)<span class=\"_ _6a\"> </span><span class=\"ls10 ws10\">161<span class=\"_ _8b\"> </span></span>13<span class=\"_ _a1\"> </span>0<span class=\"_ _e7\"> </span><span class=\"ls140 ws1ee\">1<span class=\"_ _38\"></span>74</span></span><span style=\"display:inherit;clear:left;\"> - Nedskriving st<span class=\"_ _1\"></span>eg 3 individuelt vur<span class=\"_ _1\"></span>dert BM<span class=\"_ _63\"> </span><span class=\"ls82 ws14b\">1<span class=\"_ _8\"></span>99<span class=\"_ _4a\"> </span></span>0<span class=\"_ _4a\"> </span>0<span class=\"_ _25\"> </span><span class=\"ls82 ws14b\">1<span class=\"_ _8\"></span>99</span></span><span style=\"display:inherit;clear:left;\"> - Nedskriving st<span class=\"_ _1\"></span>eg 3 individuelt vur<span class=\"_ _1\"></span>dert PM<span class=\"_ _112\"> </span>7<span class=\"_ _a1\"> </span>0<span class=\"_ _4a\"> </span>0<span class=\"_ _10d\"> </span>7</span><span style=\"display:inherit;clear:left;\">Sum net<span class=\"_ _1\"></span>to engasjemen<span class=\"_ _1\"></span>t<span class=\"_ _16c\"> </span><span class=\"ls4a ws9d\">2<span class=\"_ _8\"></span>5<span class=\"_ _8\"></span>5<span class=\"_ _8\"></span> 767<span class=\"_ _dc\"> </span></span>23 317<span class=\"_ _b7\"> </span><span class=\"ls13b ws1e8\">2 945<span class=\"_ _87\"> </span><span class=\"ls15 ws15\">282<span class=\"_ _8\"></span> 029</span></span></span><span style=\"display:inherit;clear:left;\">MORBANK</span><span style=\"display:inherit;clear:left;\">Jord-, sk<span class=\"_ _1\"></span>ogbruk og fisk<span class=\"_ _1\"></span>eri<span class=\"_ _213\"> </span>11 090<span class=\"_ _87\"> </span></span><span style=\"display:inherit;clear:left;\">1 433<span class=\"_ _74\"> </span><span class=\"ls136 ws1e3\">403<span class=\"_ _12\"> </span></span></span><span style=\"display:inherit;clear:left;\">12 92<span class=\"_ _1\"></span>6</span><span style=\"display:inherit;clear:left;\"><span class=\"_ _a0\"> </span><span class=\"ls13 ws13\">27<span class=\"_ _8\"></span>7<span class=\"_ _49\"> </span><span class=\"ls6 ws6\">97</span></span></span><span style=\"display:inherit;clear:left;\">Industri og ber<span class=\"_ _1\"></span>gv<span class=\"_ _1\"></span>erk<span class=\"_ _17c\"> </span>3 621<span class=\"_ _93\"> </span></span><span style=\"display:inherit;clear:left;\">9<span class=\"_ _8\"></span>07<span class=\"_ _74\"> </span></span><span style=\"display:inherit;clear:left;\">408<span class=\"_ _16\"> </span></span><span style=\"display:inherit;clear:left;\">4 93<span class=\"_ _8\"></span>5<span class=\"_ _10d\"> </span><span class=\"ls120 ws1cb\">34<span class=\"_ _b6\"> </span><span class=\"ls9 ws9\">33</span></span></span><span style=\"display:inherit;clear:left;\">Kra<span class=\"_ _2\"></span>ft og vann<span class=\"_ _1\"></span>for<span class=\"_ _1\"></span>syning<span class=\"_ _214\"> </span></span><span style=\"display:inherit;clear:left;\">2 6<span class=\"_ _8\"></span>28<span class=\"_ _1b\"> </span><span class=\"ls6b wsc3\">2<span class=\"_ _8\"></span>67<span class=\"_ _e9\"> </span></span></span><span style=\"display:inherit;clear:left;\">10<span class=\"_ _78\"> </span>2 904<span class=\"_ _114\"> </span>0<span class=\"_ _121\"> </span>11</span><span style=\"display:inherit;clear:left;\">By</span><span style=\"display:inherit;clear:left;\">gg<span class=\"_ _2\"></span><span class=\"ls0 ws0\">e- og anle<span class=\"ls14d ws1fd\">gg</span>svirk<span class=\"_ _1\"></span>somhet<span class=\"_ _a4\"> </span>7 017<span class=\"_ _87\"> </span>1 690<span class=\"_ _74\"> </span><span class=\"ls13d ws1eb\">492<span class=\"_ _8b\"> </span></span>9 198<span class=\"_ _43\"> </span>211<span class=\"_ _20e\"> </span><span class=\"ls125 ws1cf\">202</span></span></span><span style=\"display:inherit;clear:left;\">V<span class=\"_ _2\"></span>arehandel<span class=\"_ _211\"> </span></span><span style=\"display:inherit;clear:left;\">2<span class=\"_ _8\"></span> 991<span class=\"_ _83\"> </span></span><span style=\"display:inherit;clear:left;\">1 056<span class=\"_ _98\"> </span><span class=\"ls137 ws1e4\">1<span class=\"_ _8\"></span>72<span class=\"_ _16\"> </span></span></span><span style=\"display:inherit;clear:left;\">4 220</span><span style=\"display:inherit;clear:left;\"><span class=\"_ _10d\"> </span><span class=\"ls125 ws1cf\">20<span class=\"_ _49\"> </span><span class=\"ls13 ws13\">27</span></span></span><span style=\"display:inherit;clear:left;\">Utenriks sj\u00f8<span class=\"_ _1\"></span>f<span class=\"_ _1\"></span>art og tr<span class=\"_ _1\"></span>ansport<span class=\"_ _215\"> </span>8 119<span class=\"_ _94\"> </span></span><span style=\"display:inherit;clear:left;\">49<span class=\"_ _8\"></span>0<span class=\"_ _6b\"> </span><span class=\"ls61 wsb5\">1<span class=\"_ _8\"></span> 037<span class=\"_ _8d\"> </span></span></span><span style=\"display:inherit;clear:left;\">9 646<span class=\"_ _69\"> </span>10<span class=\"_ _63\"> </span>64</span><span style=\"display:inherit;clear:left;\">Hot<span class=\"_ _1\"></span>ell og r<span class=\"_ _1\"></span>estaur<span class=\"_ _1\"></span>an<span class=\"_ _1\"></span>t<span class=\"_ _ae\"> </span></span><span style=\"display:inherit;clear:left;\">634<span class=\"_ _75\"> </span><span class=\"ls31 ws81\">75<span class=\"_ _68\"> </span></span></span><span style=\"display:inherit;clear:left;\">8<span class=\"_ _e7\"> </span>716<span class=\"_ _216\"> </span>1<span class=\"_ _84\"> </span>13</span><span style=\"display:inherit;clear:left;\">Eiendomsdrift<span class=\"_ _f5\"> </span>18 7<span class=\"_ _1\"></span>08<span class=\"_ _83\"> </span>1 638<span class=\"_ _12\"> </span><span class=\"ls83 wsdd\">125<span class=\"_ _12\"> </span></span>20 4<span class=\"_ _2\"></span>71<span class=\"_ _10c\"> </span><span class=\"ls133 ws1e0\">4<span class=\"_ _8\"></span>40<span class=\"_ _25\"> </span><span class=\"ls82 ws14b\">198</span></span></span><span style=\"display:inherit;clear:left;\">Tjenest<span class=\"_ _1\"></span>e<span class=\"_ _1\"></span>ytende virksomhe<span class=\"_ _1\"></span>t<span class=\"_ _b5\"> </span></span><span style=\"display:inherit;clear:left;\">3<span class=\"_ _8\"></span> 552<span class=\"_ _1b\"> </span></span><span style=\"display:inherit;clear:left;\">75<span class=\"_ _8\"></span>5<span class=\"_ _72\"> </span></span><span style=\"display:inherit;clear:left;\">379<span class=\"_ _3e\"> </span></span><span style=\"display:inherit;clear:left;\">4<span class=\"_ _8\"></span> 6<span class=\"_ _8\"></span>87<span class=\"_ _6a\"> </span><span class=\"ls133 ws1e0\">140<span class=\"_ _63\"> </span>46</span></span><span style=\"display:inherit;clear:left;\">Off<span class=\"_ _1\"></span>entlig f<span class=\"_ _1\"></span>orv<span class=\"_ _1\"></span>altning<span class=\"_ _1cf\"> </span>63<span class=\"_ _4a\"> </span>0<span class=\"_ _a1\"> </span>0<span class=\"_ _48\"> </span>63<span class=\"_ _212\"> </span>0<span class=\"_ _43\"> </span>0</span><span style=\"display:inherit;clear:left;\">Andre finansielle f<span class=\"_ _1\"></span>or<span class=\"_ _1\"></span>e<span class=\"_ _1\"></span>tak<span class=\"_ _127\"> </span>444<span class=\"_ _8b\"> </span>16<span class=\"_ _97\"> </span>1<span class=\"_ _df\"> </span><span class=\"ls133 ws1e0\">461<span class=\"_ _212\"> </span></span>0<span class=\"_ _a0\"> </span>16</span><span style=\"display:inherit;clear:left;\">Sum n\u00e6ringsliv<span class=\"_ _13e\"> </span></span><span style=\"display:inherit;clear:left;\">5<span class=\"_ _8\"></span>8 8<span class=\"_ _8\"></span>67<span class=\"_ _87\"> </span></span><span style=\"display:inherit;clear:left;\">8<span class=\"_ _8\"></span> 327<span class=\"_ _dd\"> </span><span class=\"ls136 ws1e3\">3 03<span class=\"_ _8\"></span>4<span class=\"_ _5d\"> </span></span></span><span style=\"display:inherit;clear:left;\">70 22<span class=\"_ _1\"></span>9<span class=\"_ _99\"> </span>1 132<span class=\"_ _118\"> </span><span class=\"ls6 ws6\">707</span></span><span style=\"display:inherit;clear:left;\">Per<span class=\"_ _1\"></span>sonkunder<span class=\"_ _217\"> </span>56 139<span class=\"_ _85\"> </span><span class=\"ls126 ws1d0\">6 231<span class=\"_ _68\"> </span></span>9<span class=\"_ _1b\"> </span></span><span style=\"display:inherit;clear:left;\">6<span class=\"_ _8\"></span>2<span class=\"_ _8\"></span> 379<span class=\"_ _88\"> </span><span class=\"ls125 ws1cf\">202<span class=\"_ _49\"> </span></span></span><span style=\"display:inherit;clear:left;\">77</span><span style=\"display:inherit;clear:left;\">Sum brutto eng<span class=\"_ _1\"></span>asjement<span class=\"_ _4b\"> </span>115 006<span class=\"_ _d8\"> </span>14 559<span class=\"_ _cb\"> </span>3 043<span class=\"_ _85\"> </span>132 608<span class=\"_ _9d\"> </span><span class=\"ls62 wsb6\">1 334<span class=\"_ _9d\"> </span><span class=\"ls12a ws1d4\">78<span class=\"_ _a\"></span>4</span></span></span><span style=\"display:inherit;clear:left;\"> - Modellberegne<span class=\"_ _1\"></span>t nedskriving BM (s<span class=\"_ _1\"></span>teg 1-<span class=\"_ _1\"></span>3)<span class=\"_ _125\"> </span><span class=\"ls82 ws14b\">509<span class=\"_ _8d\"> </span></span>84<span class=\"_ _8b\"> </span><span class=\"ls139 ws1e6\">51<span class=\"_ _20e\"> </span><span class=\"ls122 ws1cc\">643</span></span></span><span style=\"display:inherit;clear:left;\"> - Modellberegne<span class=\"_ _1\"></span>t nedskriving PM (s<span class=\"_ _1\"></span>teg 1-<span class=\"_ _1\"></span>3)<span class=\"_ _169\"> </span><span class=\"ls4a ws9d\">70<span class=\"_ _3d\"> </span></span>11<span class=\"_ _4a\"> </span>0<span class=\"_ _a0\"> </span><span class=\"ls82 ws14b\">81</span></span><span style=\"display:inherit;clear:left;\"> - Nedskriving st<span class=\"_ _1\"></span>eg 3 individuelt vur<span class=\"_ _1\"></span>dert BM<span class=\"_ _63\"> </span><span class=\"ls82 ws14b\">1<span class=\"_ _8\"></span>99<span class=\"_ _4a\"> </span></span>0<span class=\"_ _4a\"> </span>0<span class=\"_ _25\"> </span><span class=\"ls82 ws14b\">1<span class=\"_ _8\"></span>99</span></span><span style=\"display:inherit;clear:left;\"> - Nedskriving st<span class=\"_ _1\"></span>eg 3 individuelt vur<span class=\"_ _1\"></span>dert PM<span class=\"_ _112\"> </span>7<span class=\"_ _a1\"> </span>0<span class=\"_ _4a\"> </span>0<span class=\"_ _10d\"> </span>7</span><span style=\"display:inherit;clear:left;\">Sum net<span class=\"_ _1\"></span>to engasjemen<span class=\"_ _1\"></span>t<span class=\"_ _218\"> </span>114 222<span class=\"_ _9f\"> </span>14 463<span class=\"_ _90\"> </span><span class=\"ls12c ws1d6\">2<span class=\"_ _8\"></span> 992<span class=\"_ _108\"> </span></span>131 677</span><span style=\"display:inherit;clear:left;\">Misligholdte </span><span style=\"display:inherit;clear:left;\">Ubenyt<span class=\"_ _1\"></span>tede </span><span style=\"display:inherit;clear:left;\">Sum <span class=\"_ _4\"></span> </span><span style=\"display:inherit;clear:left;\">og tapsutsa<span class=\"_ _1\"></span>tt<span class=\"_ _1\"></span>e </span><span style=\"display:inherit;clear:left;\">Ned skrivning </span><span style=\"display:inherit;clear:left;\">2022<span class=\"_ _20f\"> </span><span class=\"ls0 ws0\">Utl\u00e5n</span></span><span style=\"display:inherit;clear:left;\">kr<span class=\"_ _1\"></span>editt<span class=\"_ _1\"></span>er<span class=\"_ _b8\"> </span>Gar<span class=\"_ _1\"></span>an<span class=\"_ _1\"></span>tier</span><span style=\"display:inherit;clear:left;\">engasjement</span><span style=\"display:inherit;clear:left;\">utl\u00e5n</span><span style=\"display:inherit;clear:left;\">utl\u00e5n</span><span style=\"display:inherit;clear:left;\">KONSERN</span><span style=\"display:inherit;clear:left;\">Jord-, sk<span class=\"_ _1\"></span>ogbruk og fisk<span class=\"_ _1\"></span>eri<span class=\"_ _23\"> </span>9 88<span class=\"_ _1\"></span>2<span class=\"_ _72\"> </span></span><span style=\"display:inherit;clear:left;\">91<span class=\"_ _8\"></span>0<span class=\"_ _93\"> </span><span class=\"ls139 ws1e6\">383<span class=\"_ _75\"> </span></span></span><span style=\"display:inherit;clear:left;\">11 176<span class=\"_ _43\"> </span>48<span class=\"_ _b6\"> </span><span class=\"ls21 ws175\">85</span></span><span style=\"display:inherit;clear:left;\">Industri og ber<span class=\"_ _1\"></span>gv<span class=\"_ _1\"></span>erk<span class=\"_ _170\"> </span></span><span style=\"display:inherit;clear:left;\">4 056<span class=\"_ _5d\"> </span>956<span class=\"_ _14\"> </span><span class=\"ls6b wsc3\">167<span class=\"_ _92\"> </span></span></span><span style=\"display:inherit;clear:left;\">5 17<span class=\"_ _1\"></span>8</span><span style=\"display:inherit;clear:left;\"><span class=\"_ _b6\"> </span><span class=\"ls4a ws9d\">24<span class=\"_ _8\"></span>8<span class=\"_ _13\"> </span><span class=\"ls131 ws1dd\">1<span class=\"_ _a\"></span>41</span></span></span><span style=\"display:inherit;clear:left;\">Kra<span class=\"_ _2\"></span>ft og vann<span class=\"_ _1\"></span>for<span class=\"_ _1\"></span>syning<span class=\"_ _60\"> </span>2 487<span class=\"_ _1a\"> </span><span class=\"ls13b ws1e8\">1<span class=\"_ _8\"></span>68<span class=\"_ _9a\"> </span></span>13<span class=\"_ _8d\"> </span><span class=\"ls13b ws1e8\">2 668<span class=\"_ _212\"> </span></span>0<span class=\"_ _84\"> </span>12</span><span style=\"display:inherit;clear:left;\">By</span><span style=\"display:inherit;clear:left;\">gg<span class=\"_ _2\"></span><span class=\"ls0 ws0\">e- og anle<span class=\"ls14d ws1fd\">gg</span>svirk<span class=\"_ _1\"></span>somhet<span class=\"_ _219\"> </span>6 714<span class=\"_ _8a\"> </span><span class=\"ls132 ws1de\">2<span class=\"_ _8\"></span> 6<span class=\"_ _8\"></span>87<span class=\"_ _5d\"> </span><span class=\"ls31 ws81\">594<span class=\"_ _8d\"> </span></span></span>9 996<span class=\"_ _10d\"> </span><span class=\"ls82 ws14b\">80<span class=\"_ _63\"> </span></span>84</span></span><span style=\"display:inherit;clear:left;\">V<span class=\"_ _2\"></span>arehandel<span class=\"_ _aa\"> </span></span><span style=\"display:inherit;clear:left;\">2 757<span class=\"_ _6b\"> </span></span><span style=\"display:inherit;clear:left;\">1 369<span class=\"_ _78\"> </span></span><span style=\"display:inherit;clear:left;\">151<span class=\"_ _3e\"> </span></span><span style=\"display:inherit;clear:left;\">4<span class=\"_ _8\"></span> 276<span class=\"_ _67\"> </span><span class=\"ls21 ws175\">23<span class=\"_ _b6\"> </span><span class=\"lsa wsa\">53</span></span></span><span style=\"display:inherit;clear:left;\">Utenriks sj\u00f8<span class=\"_ _1\"></span>f<span class=\"_ _1\"></span>art og tr<span class=\"_ _1\"></span>ansport<span class=\"_ _219\"> </span>8 384<span class=\"_ _1b\"> </span></span><span style=\"display:inherit;clear:left;\">401<span class=\"_ _6b\"> </span><span class=\"ls13e ws1ec\">1<span class=\"_ _a\"></span> 476<span class=\"_ _17\"> </span></span></span><span style=\"display:inherit;clear:left;\">10 261</span><span style=\"display:inherit;clear:left;\"><span class=\"_ _6a\"> </span><span class=\"ls126 ws1d0\">158<span class=\"_ _e7\"> </span><span class=\"ls83 wsdd\">125</span></span></span><span style=\"display:inherit;clear:left;\">Hot<span class=\"_ _1\"></span>ell og r<span class=\"_ _1\"></span>estaur<span class=\"_ _1\"></span>an<span class=\"_ _1\"></span>t<span class=\"_ _208\"> </span></span><span style=\"display:inherit;clear:left;\">655<span class=\"_ _21a\"> </span><span class=\"ls82 ws14b\">56<span class=\"_ _68\"> </span></span></span><span style=\"display:inherit;clear:left;\">8<span class=\"_ _e7\"> </span>719<span class=\"_ _216\"> </span>1<span class=\"_ _10c\"> </span><span class=\"ls133 ws1e0\">40</span></span><span style=\"display:inherit;clear:left;\">Eiendomsdrift<span class=\"_ _102\"> </span>16 54<span class=\"_ _2\"></span>9<span class=\"_ _1a\"> </span></span><span style=\"display:inherit;clear:left;\">81<span class=\"_ _8\"></span>0<span class=\"_ _8b\"> </span><span class=\"ls10 ws10\">61<span class=\"_ _18\"> </span></span></span><span style=\"display:inherit;clear:left;\">17 421</span><span style=\"display:inherit;clear:left;\"><span class=\"_ _116\"> </span><span class=\"ls125 ws1cf\">29<span class=\"_ _8\"></span>6<span class=\"_ _e7\"> </span><span class=\"ls126 ws1d0\">158</span></span></span><span style=\"display:inherit;clear:left;\">Tjenest<span class=\"_ _1\"></span>e<span class=\"_ _1\"></span>ytende virksomhe<span class=\"_ _1\"></span>t<span class=\"_ _21b\"> </span></span><span style=\"display:inherit;clear:left;\">3 3<span class=\"_ _8\"></span>69<span class=\"_ _1b\"> </span></span><span style=\"display:inherit;clear:left;\">72<span class=\"_ _8\"></span>5<span class=\"_ _14\"> </span></span><span style=\"display:inherit;clear:left;\">153<span class=\"_ _17\"> </span><span class=\"ls4a ws9d\">4<span class=\"_ _8\"></span> 24<span class=\"_ _8\"></span>6<span class=\"_ _110\"> </span>124<span class=\"_ _6a\"> </span><span class=\"ls139 ws1e6\">51</span></span></span><span style=\"display:inherit;clear:left;\">Off<span class=\"_ _1\"></span>entlig f<span class=\"_ _1\"></span>orv<span class=\"_ _1\"></span>altning<span class=\"_ _1cf\"> </span></span><span style=\"display:inherit;clear:left;\">66<span class=\"_ _8d\"> </span><span class=\"ls133 ws1e0\">46<span class=\"_ _a1\"> </span></span></span><span style=\"display:inherit;clear:left;\">6<span class=\"_ _13\"> </span>117<span class=\"_ _114\"> </span>0<span class=\"_ _43\"> </span>0</span><span style=\"display:inherit;clear:left;\">Andre finansielle f<span class=\"_ _1\"></span>or<span class=\"_ _1\"></span>e<span class=\"_ _1\"></span>tak<span class=\"_ _60\"> </span></span><span style=\"display:inherit;clear:left;\">445<span class=\"_ _21a\"> </span></span><span style=\"display:inherit;clear:left;\">95<span class=\"_ _75\"> </span></span><span style=\"display:inherit;clear:left;\">52<span class=\"_ _e7\"> </span><span class=\"ls31 ws81\">591<span class=\"_ _212\"> </span></span></span><span style=\"display:inherit;clear:left;\">0<span class=\"_ _84\"> </span>17</span><span style=\"display:inherit;clear:left;\">Sum n\u00e6ringsliv<span class=\"_ _18e\"> </span>55 364<span class=\"_ _83\"> </span>8 221<span class=\"_ _90\"> </span>3 064<span class=\"_ _94\"> </span>66 650<span class=\"_ _a0\"> </span><span class=\"ls6 ws6\">978<span class=\"_ _118\"> </span><span class=\"ls4a ws9d\">76<span class=\"_ _8\"></span>5</span></span></span><span style=\"display:inherit;clear:left;\">Per<span class=\"_ _1\"></span>sonkunder<span class=\"_ _21c\"> </span>17<span class=\"_ _1\"></span>0 010<span class=\"_ _d8\"> </span>14 452<span class=\"_ _66\"> </span>11<span class=\"_ _189\"> </span>184 4<span class=\"_ _2\"></span>73<span class=\"_ _a0\"> </span><span class=\"ls137 ws1e4\">272<span class=\"_ _10c\"> </span></span>115</span><span style=\"display:inherit;clear:left;\">Sum brutto eng<span class=\"_ _1\"></span>asjement<span class=\"_ _21d\"> </span>225 3<span class=\"_ _1\"></span>7<span class=\"_ _0\"></span>4<span class=\"_ _a8\"> </span>22 67<span class=\"_ _2\"></span>4<span class=\"_ _89\"> </span></span><span style=\"display:inherit;clear:left;\">3<span class=\"_ _8\"></span> 075<span class=\"_ _6f\"> </span><span class=\"ls133 ws1e0\">251<span class=\"_ _8\"></span> 123<span class=\"_ _20e\"> </span>1<span class=\"_ _8\"></span> 250<span class=\"_ _9d\"> </span><span class=\"ls82 ws14b\">880</span></span></span><span style=\"display:inherit;clear:left;\"> - Modellberegne<span class=\"_ _1\"></span>t nedskriving BM (s<span class=\"_ _1\"></span>teg 1-<span class=\"_ _1\"></span>3)<span class=\"_ _10c\"> </span></span><span style=\"display:inherit;clear:left;\">538<span class=\"_ _8d\"> </span><span class=\"ls8 ws8\">42<span class=\"_ _8d\"> </span></span></span><span style=\"display:inherit;clear:left;\">48<span class=\"_ _15\"> </span><span class=\"ls109 ws16b\">628</span></span><span style=\"display:inherit;clear:left;\"> - Modellberegne<span class=\"_ _1\"></span>t nedskriving PM (s<span class=\"_ _1\"></span>teg 1-<span class=\"_ _1\"></span>3)<span class=\"_ _48\"> </span>106<span class=\"_ _68\"> </span>5<span class=\"_ _4a\"> </span>0<span class=\"_ _b6\"> </span>111</span><span style=\"display:inherit;clear:left;\"> - Nedskriving st<span class=\"_ _1\"></span>eg 3 individuelt vur<span class=\"_ _1\"></span>dert BM<span class=\"_ _13\"> </span><span class=\"ls13 ws13\">227<span class=\"_ _a1\"> </span></span>0<span class=\"_ _a1\"> </span>0<span class=\"_ _9c\"> </span><span class=\"ls13 ws13\">2<span class=\"_ _8\"></span>27</span></span><span style=\"display:inherit;clear:left;\"> - Nedskriving st<span class=\"_ _1\"></span>eg 3 individuelt vur<span class=\"_ _1\"></span>dert PM<span class=\"_ _169\"> </span>10<span class=\"_ _4a\"> </span>0<span class=\"_ _a1\"> </span>0<span class=\"_ _88\"> </span>10</span><span style=\"display:inherit;clear:left;\">Sum net<span class=\"_ _1\"></span>to engasjemen<span class=\"_ _1\"></span>t<span class=\"_ _18a\"> </span>224 4<span class=\"_ _1\"></span>94<span class=\"_ _a8\"> </span>22 62<span class=\"_ _1\"></span>7<span class=\"_ _90\"> </span><span class=\"lsf6 ws158\">3 026<span class=\"_ _83\"> </span></span>250 148</span><span style=\"display:inherit;clear:left;\">MORBANK</span><span style=\"display:inherit;clear:left;\">Jord-, sk<span class=\"_ _1\"></span>ogbruk og fisk<span class=\"_ _1\"></span>eri<span class=\"_ _23\"> </span></span><span style=\"display:inherit;clear:left;\">9 393<span class=\"_ _1b\"> </span></span><span style=\"display:inherit;clear:left;\">87<span class=\"_ _8\"></span>0<span class=\"_ _93\"> </span><span class=\"ls139 ws1e6\">38<span class=\"_ _8\"></span>3<span class=\"_ _93\"> </span></span></span><span style=\"display:inherit;clear:left;\">10 646<span class=\"_ _21e\"> </span>44<span class=\"_ _63\"> </span>84</span><span style=\"display:inherit;clear:left;\">Industri og ber<span class=\"_ _1\"></span>gv<span class=\"_ _1\"></span>erk<span class=\"_ _21f\"> </span>3 990<span class=\"_ _74\"> </span></span><span style=\"display:inherit;clear:left;\">950<span class=\"_ _14\"> </span><span class=\"ls6b wsc3\">167<span class=\"_ _10\"> </span></span></span><span style=\"display:inherit;clear:left;\">5 10<span class=\"_ _2\"></span>7</span><span style=\"display:inherit;clear:left;\"><span class=\"_ _116\"> </span><span class=\"ls4a ws9d\">24<span class=\"_ _8\"></span>8<span class=\"_ _13\"> </span><span class=\"ls131 ws1dd\">1<span class=\"_ _a\"></span>41</span></span></span><span style=\"display:inherit;clear:left;\">Kra<span class=\"_ _2\"></span>ft og vann<span class=\"_ _1\"></span>for<span class=\"_ _1\"></span>syning<span class=\"_ _220\"> </span>2 480<span class=\"_ _12\"> </span><span class=\"ls13b ws1e8\">168<span class=\"_ _9a\"> </span></span>13<span class=\"_ _e9\"> </span><span class=\"ls120 ws1cb\">2 66<span class=\"_ _8\"></span>1<span class=\"_ _114\"> </span></span>0<span class=\"_ _84\"> </span>12</span><span style=\"display:inherit;clear:left;\">By</span><span style=\"display:inherit;clear:left;\">gg<span class=\"_ _2\"></span></span><span style=\"display:inherit;clear:left;\">e- og anle<span class=\"ls14d ws1fd\">gg</span>svirk<span class=\"_ _1\"></span>somhet<span class=\"_ _a7\"> </span></span><span style=\"display:inherit;clear:left;\">6 343<span class=\"_ _89\"> </span></span><span style=\"display:inherit;clear:left;\">2<span class=\"_ _8\"></span> 668<span class=\"_ _74\"> </span></span><span style=\"display:inherit;clear:left;\">594<span class=\"_ _8d\"> </span></span><span style=\"display:inherit;clear:left;\">9 605<span class=\"_ _67\"> </span><span class=\"ls4a ws9d\">76<span class=\"_ _116\"> </span><span class=\"ls13f ws1ed\">83</span></span></span><span style=\"display:inherit;clear:left;\">V<span class=\"_ _2\"></span>arehandel<span class=\"_ _183\"> </span>2 617<span class=\"_ _8e\"> </span></span><span style=\"display:inherit;clear:left;\">1<span class=\"_ _8\"></span> 361<span class=\"_ _17\"> </span><span class=\"ls139 ws1e6\">1<span class=\"_ _8\"></span>51<span class=\"_ _91\"> </span></span></span><span style=\"display:inherit;clear:left;\">4 129<span class=\"_ _209\"> </span>22<span class=\"_ _b6\"> </span><span class=\"lsa wsa\">53</span></span><span style=\"display:inherit;clear:left;\">Utenriks sj\u00f8<span class=\"_ _1\"></span>f<span class=\"_ _1\"></span>art og tr<span class=\"_ _1\"></span>ansport<span class=\"_ _221\"> </span>8 0<span class=\"_ _1\"></span>71<span class=\"_ _5d\"> </span></span><span style=\"display:inherit;clear:left;\">3<span class=\"_ _8\"></span>82<span class=\"_ _6b\"> </span></span><span style=\"display:inherit;clear:left;\">1<span class=\"_ _8\"></span> 47<span class=\"_ _8\"></span>6<span class=\"_ _75\"> </span></span><span style=\"display:inherit;clear:left;\">9 929<span class=\"_ _64\"> </span><span class=\"ls31 ws81\">1<span class=\"_ _8\"></span>57<span class=\"_ _25\"> </span><span class=\"ls4a ws9d\">1<span class=\"_ _8\"></span>24</span></span></span><span style=\"display:inherit;clear:left;\">Hot<span class=\"_ _1\"></span>ell og r<span class=\"_ _1\"></span>estaur<span class=\"_ _1\"></span>an<span class=\"_ _1\"></span>t<span class=\"_ _20c\"> </span></span><span style=\"display:inherit;clear:left;\">595<span class=\"_ _3e\"> </span><span class=\"ls82 ws14b\">56<span class=\"_ _68\"> </span></span></span><span style=\"display:inherit;clear:left;\">8<span class=\"_ _97\"> </span><span class=\"ls31 ws81\">6<span class=\"_ _8\"></span>59<span class=\"_ _146\"> </span></span>1<span class=\"_ _48\"> </span><span class=\"ls136 ws1e3\">39</span></span><span style=\"display:inherit;clear:left;\">Eiendomsdrift<span class=\"_ _fd\"> </span>16 515<span class=\"_ _74\"> </span></span><span style=\"display:inherit;clear:left;\">806<span class=\"_ _8b\"> </span><span class=\"ls10 ws10\">61<span class=\"_ _14\"> </span></span></span><span style=\"display:inherit;clear:left;\">17 382</span><span style=\"display:inherit;clear:left;\"><span class=\"_ _116\"> </span><span class=\"ls125 ws1cf\">29<span class=\"_ _8\"></span>6<span class=\"_ _25\"> </span><span class=\"ls126 ws1d0\">1<span class=\"_ _8\"></span>58</span></span></span><span style=\"display:inherit;clear:left;\">Tjenest<span class=\"_ _1\"></span>e<span class=\"_ _1\"></span>ytende virksomhe<span class=\"_ _1\"></span>t<span class=\"_ _b5\"> </span></span><span style=\"display:inherit;clear:left;\">2<span class=\"_ _8\"></span> 692<span class=\"_ _93\"> </span></span><span style=\"display:inherit;clear:left;\">685<span class=\"_ _74\"> </span></span><span style=\"display:inherit;clear:left;\">200<span class=\"_ _75\"> </span><span class=\"ls4a ws9d\">3<span class=\"_ _8\"></span> 576<span class=\"_ _110\"> </span>1<span class=\"_ _8\"></span>24<span class=\"_ _48\"> </span><span class=\"ls82 ws14b\">50</span></span></span><span style=\"display:inherit;clear:left;\">Off<span class=\"_ _1\"></span>entlig f<span class=\"_ _1\"></span>orv<span class=\"_ _1\"></span>altning<span class=\"_ _1cf\"> </span></span><span style=\"display:inherit;clear:left;\">66<span class=\"_ _8d\"> </span><span class=\"ls133 ws1e0\">46<span class=\"_ _a1\"> </span></span></span><span style=\"display:inherit;clear:left;\">6<span class=\"_ _13\"> </span>117<span class=\"_ _114\"> </span>0<span class=\"_ _43\"> </span>0</span><span style=\"display:inherit;clear:left;\">Andre finansielle f<span class=\"_ _1\"></span>or<span class=\"_ _1\"></span>e<span class=\"_ _1\"></span>tak<span class=\"_ _60\"> </span></span><span style=\"display:inherit;clear:left;\">445<span class=\"_ _21a\"> </span></span><span style=\"display:inherit;clear:left;\">95<span class=\"_ _75\"> </span></span><span style=\"display:inherit;clear:left;\">52<span class=\"_ _e7\"> </span><span class=\"ls31 ws81\">591<span class=\"_ _212\"> </span></span></span><span style=\"display:inherit;clear:left;\">0<span class=\"_ _84\"> </span>17</span><span style=\"display:inherit;clear:left;\">Sum n\u00e6ringsliv<span class=\"_ _149\"> </span>53 2<span class=\"_ _1\"></span>06<span class=\"_ _89\"> </span><span class=\"ls132 ws1de\">8<span class=\"_ _8\"></span> 0<span class=\"_ _8\"></span>87<span class=\"_ _94\"> </span></span>3 111<span class=\"_ _86\"> </span>64 404<span class=\"_ _116\"> </span><span class=\"ls13b ws1e8\">968<span class=\"_ _99\"> </span><span class=\"ls4a ws9d\">76<span class=\"_ _8\"></span>1</span></span></span><span style=\"display:inherit;clear:left;\">Per<span class=\"_ _1\"></span>sonkunder<span class=\"_ _135\"> </span>44 880<span class=\"_ _83\"> </span>5 718<span class=\"_ _96\"> </span>11<span class=\"_ _94\"> </span></span><span style=\"display:inherit;clear:left;\">50 608<span class=\"_ _110\"> </span><span class=\"ls139 ws1e6\">1<span class=\"_ _8\"></span>38<span class=\"_ _48\"> </span><span class=\"ls120 ws1cb\">66</span></span></span><span style=\"display:inherit;clear:left;\">Sum brutto eng<span class=\"_ _1\"></span>asjement<span class=\"_ _b5\"> </span><span class=\"ls82 ws14b\">98<span class=\"_ _8\"></span> 085<span class=\"_ _c7\"> </span></span>13 805<span class=\"_ _8a\"> </span>3 122<span class=\"_ _6e\"> </span>115 012<span class=\"_ _25\"> </span>1 107<span class=\"_ _20e\"> </span><span class=\"ls15 ws15\">828</span></span><span style=\"display:inherit;clear:left;\"> - Modellberegne<span class=\"_ _1\"></span>t nedskriving BM (s<span class=\"_ _1\"></span>teg 1-<span class=\"_ _1\"></span>3)<span class=\"_ _13\"> </span></span><span style=\"display:inherit;clear:left;\">535<span class=\"_ _8d\"> </span><span class=\"ls8 ws8\">42<span class=\"_ _8d\"> </span></span></span><span style=\"display:inherit;clear:left;\">48<span class=\"_ _97\"> </span><span class=\"ls83 wsdd\">625</span></span><span style=\"display:inherit;clear:left;\"> - Modellberegne<span class=\"_ _1\"></span>t nedskriving PM (s<span class=\"_ _1\"></span>teg 1-<span class=\"_ _1\"></span>3)<span class=\"_ _169\"> </span><span class=\"ls31 ws81\">57<span class=\"_ _a2\"> </span></span>5<span class=\"_ _4a\"> </span>0<span class=\"_ _b6\"> </span><span class=\"lsf wsf\">62</span></span><span style=\"display:inherit;clear:left;\"> - Nedskriving st<span class=\"_ _1\"></span>eg 3 individuelt vur<span class=\"_ _1\"></span>dert BM<span class=\"_ _13\"> </span><span class=\"ls13 ws13\">227<span class=\"_ _a1\"> </span></span>0<span class=\"_ _a1\"> </span>0<span class=\"_ _9c\"> </span><span class=\"ls13 ws13\">2<span class=\"_ _8\"></span>27</span></span><span style=\"display:inherit;clear:left;\"> - Nedskriving st<span class=\"_ _1\"></span>eg 3 individuelt vur<span class=\"_ _1\"></span>dert PM<span class=\"_ _b2\"> </span>9<span class=\"_ _a1\"> </span>0<span class=\"_ _4a\"> </span>0<span class=\"_ _c8\"> </span>9</span><span style=\"display:inherit;clear:left;\">Sum net<span class=\"_ _1\"></span>to engasjemen<span class=\"_ _1\"></span>t<span class=\"_ _124\"> </span><span class=\"ls61 wsb5\">97<span class=\"_ _8\"></span> 2<span class=\"_ _8\"></span>58<span class=\"_ _19a\"> </span></span>13 758<span class=\"_ _89\"> </span><span class=\"ls61 wsb5\">3 07<span class=\"_ _8\"></span>3<span class=\"_ _8e\"> </span></span>114 08<span class=\"_ _1\"></span>9</span><span style=\"display:inherit;clear:left;\">No<span class=\"_ _1\"></span>te 12 F<span class=\"_ _1\"></span>ord<span class=\"_ _1\"></span>eling a<span class=\"_ _1\"></span>v b<span class=\"_ _1\"></span>r<span class=\"_ _8\"></span>utto u<span class=\"_ _1\"></span>tl<span class=\"_ _1\"></span>\u00e5n mellom ulik<span class=\"_ _1\"></span>e ste<span class=\"_ _1\"></span>g i IF<span class=\"_ _8\"></span>RS 9</span><span style=\"display:inherit;clear:left;\">T<span class=\"_ _0\"></span>abellen nedenf<span class=\"_ _1\"></span>or forklar<span class=\"_ _1\"></span>er endring i utl\u00e5nsmas<span class=\"_ _1\"></span>sen f<span class=\"_ _1\"></span>or hv<span class=\"_ _1\"></span>ert enkelt s<span class=\"_ _1\"></span>teg innen<span class=\"_ _1\"></span>f<span class=\"_ _1\"></span>or IFRS 9<span class=\"_ _1\"></span>, fr<span class=\"_ _1\"></span>a inng\u00e5ende balanse til utg\u00e5<span class=\"_ _1\"></span>ende balanse. </span><span style=\"display:inherit;clear:left;\">Prinsipper for klas<span class=\"_ _1\"></span>sifikasjon innen s<span class=\"_ _1\"></span>teg fr<span class=\"_ _1\"></span>emkommer a<span class=\"_ _2\"></span>v note 11. </span><span style=\"display:inherit;clear:left;\">K<span class=\"_ _1\"></span>ONSERN </span><span style=\"display:inherit;clear:left;\"> Sum modell- </span><span style=\"display:inherit;clear:left;\">Individuelt </span><span style=\"display:inherit;clear:left;\">Modellber<span class=\"_ _1\"></span>egnet</span><span style=\"display:inherit;clear:left;\">ber<span class=\"_ _1\"></span>egnet tap</span><span style=\"display:inherit;clear:left;\">vur<span class=\"_ _1\"></span>dert<span class=\"_ _a2\"> </span><span class=\"ls140 ws1ee\">To<span class=\"_ _a\"></span>t<span class=\"_ _38\"></span>a<span class=\"_ _a\"></span>l</span></span><span style=\"display:inherit;clear:left;\">Br<span class=\"_ _8\"></span>utto ut<span class=\"_ _8\"></span>l\u00e5n v<span class=\"_ _8\"></span>urde<span class=\"_ _8\"></span>rt ti<span class=\"_ _8\"></span>l am<span class=\"_ _8\"></span>ort<span class=\"_ _8\"></span>ise<span class=\"_ _8\"></span>rt ko<span class=\"_ _8\"></span>st<span class=\"_ _116\"> </span><span class=\"ls125 ws1cf\">S<span class=\"_ _8\"></span>teg<span class=\"_ _8\"></span> 1<span class=\"_ _cc\"> </span>Steg<span class=\"_ _8\"></span> 2<span class=\"_ _a8\"> </span>S<span class=\"_ _8\"></span>teg<span class=\"_ _8\"></span> 3<span class=\"_ _1e5\"> </span>Steg<span class=\"_ _8\"></span> 3</span></span><span style=\"display:inherit;clear:left;\">Brutt<span class=\"_ _1\"></span>o utl\u00e5n inng\u00e5ende balanse<span class=\"_ _e8\"> </span></span><span style=\"display:inherit;clear:left;\">18<span class=\"_ _1\"></span>9 12<span class=\"_ _1\"></span>4<span class=\"_ _131\"> </span>12 010<span class=\"_ _86\"> </span></span><span style=\"display:inherit;clear:left;\">7<span class=\"_ _8\"></span>76<span class=\"_ _189\"> </span></span><span style=\"display:inherit;clear:left;\">201 91<span class=\"_ _8\"></span>0<span class=\"_ _9d\"> </span><span class=\"ls6b wsc3\">624<span class=\"_ _cd\"> </span><span class=\"lsf6 ws158\">202 5<span class=\"_ _8\"></span>34</span></span></span><span style=\"display:inherit;clear:left;\">Overf<span class=\"_ _1\"></span>\u00f8rt til 12 mnd ECL (s<span class=\"_ _1\"></span>teg 1)<span class=\"_ _21\"> </span></span><span style=\"display:inherit;clear:left;\">3 986<span class=\"_ _b7\"> </span><span class=\"ls84 wsdf\">-3<span class=\"_ _8\"></span> 951<span class=\"_ _74\"> </span>-35<span class=\"_ _43\"> </span></span></span><span style=\"display:inherit;clear:left;\">0<span class=\"_ _21e\"> </span>0<span class=\"_ _43\"> </span>0</span><span style=\"display:inherit;clear:left;\">Overf<span class=\"_ _1\"></span>\u00f8rt til lev<span class=\"_ _1\"></span>e<span class=\"_ _1\"></span>tid ECL \u2013 ikk<span class=\"_ _1\"></span>e objektiv<span class=\"_ _1\"></span>e bevis p\u00e5 </span><span style=\"display:inherit;clear:left;\">tap (st<span class=\"_ _1\"></span>eg 2)<span class=\"_ _1c3\"> </span>-<span class=\"_ _2\"></span>7 115<span class=\"_ _107\"> </span>7 172<span class=\"_ _6e\"> </span><span class=\"ls120 ws1cb\">-43<span class=\"_ _88\"> </span></span>14<span class=\"_ _13\"> </span><span class=\"ls6 ws6\">-1<span class=\"_ _8\"></span>4<span class=\"_ _c8\"> </span></span>0</span><span style=\"display:inherit;clear:left;\">Overf<span class=\"_ _1\"></span>\u00f8rt til lev<span class=\"_ _1\"></span>e<span class=\"_ _1\"></span>tid ECL \u2013 objektiv<span class=\"_ _1\"></span>e be<span class=\"_ _1\"></span>vis p\u00e5 tap </span><span style=\"display:inherit;clear:left;\">(st<span class=\"_ _1\"></span>eg 3) \u2013 Modellberegne<span class=\"_ _1\"></span>t<span class=\"_ _222\"> </span></span><span style=\"display:inherit;clear:left;\">-7<span class=\"_ _8\"></span>5<span class=\"_ _ba\"> </span></span><span style=\"display:inherit;clear:left;\">-<span class=\"_ _8\"></span>327<span class=\"_ _189\"> </span><span class=\"lsf6 ws158\">402<span class=\"_ _43\"> </span></span></span><span style=\"display:inherit;clear:left;\">0<span class=\"_ _43\"> </span>0<span class=\"_ _21e\"> </span>0</span><span style=\"display:inherit;clear:left;\">Overf<span class=\"_ _1\"></span>\u00f8rt til lev<span class=\"_ _1\"></span>e<span class=\"_ _1\"></span>tid ECL \u2013 objektiv<span class=\"_ _1\"></span>e be<span class=\"_ _1\"></span>vis p\u00e5 tap </span><span style=\"display:inherit;clear:left;\">(st<span class=\"_ _1\"></span>eg 3) \u2013 Individuelt vurdert<span class=\"_ _11e\"> </span><span class=\"ls125 ws1cf\">-20<span class=\"_ _6f\"> </span><span class=\"ls84 wsdf\">-239<span class=\"_ _74\"> </span>-36<span class=\"_ _3d\"> </span></span>-295<span class=\"_ _15\"> </span>295<span class=\"_ _c8\"> </span></span>0</span><span style=\"display:inherit;clear:left;\">Nye ut<span class=\"_ _1\"></span>st<span class=\"_ _1\"></span>edte eller kj\u00f8p<span class=\"_ _1\"></span>te finansielle eiendeler<span class=\"_ _14\"> </span><span class=\"ls132 ws1de\">89<span class=\"_ _8\"></span> 2<span class=\"_ _8\"></span>87<span class=\"_ _89\"> </span></span>3 5<span class=\"_ _1\"></span>84<span class=\"_ _14\"> </span>111<span class=\"_ _12\"> </span><span class=\"ls82 ws14b\">92 981<span class=\"_ _63\"> </span>45<span class=\"_ _93\"> </span><span class=\"ls13 ws13\">93<span class=\"_ _8\"></span> 027</span></span></span><span style=\"display:inherit;clear:left;\">Finansielle eiendeler som har blitt fr<span class=\"_ _1\"></span>ar<span class=\"_ _1\"></span>egnet  </span><span style=\"display:inherit;clear:left;\">\u2013 eksklusiv<span class=\"_ _1\"></span>e tapsnedskriving<span class=\"_ _1e5\"> </span>-60 29<span class=\"_ _1\"></span>1<span class=\"_ _c7\"> </span></span><span style=\"display:inherit;clear:left;\">-4 345<span class=\"_ _83\"> </span><span class=\"ls125 ws1cf\">-298<span class=\"_ _6b\"> </span></span></span><span style=\"display:inherit;clear:left;\">-64 934<span class=\"_ _a2\"> </span><span class=\"ls139 ws1e6\">-513<span class=\"_ _6b\"> </span></span>-65 446</span><span style=\"display:inherit;clear:left;\">Net<span class=\"_ _1\"></span>to endring p\u00e5 ek<span class=\"_ _1\"></span>sist<span class=\"_ _1\"></span>erende l\u00e5n<span class=\"_ _5e\"> </span><span class=\"ls82 ws14b\">5<span class=\"_ _8\"></span> 608<span class=\"_ _98\"> </span><span class=\"ls12f ws1d9\">731<span class=\"_ _98\"> </span><span class=\"lsf wsf\">62<span class=\"_ _78\"> </span><span class=\"lsf6 ws158\">6 4<span class=\"_ _8\"></span>02<span class=\"_ _48\"> </span></span></span></span>56<span class=\"_ _8d\"> </span><span class=\"ls126 ws1d0\">6 458</span></span></span><span style=\"display:inherit;clear:left;\">Brutto utl\u00e5n pr<span class=\"_ _0\"></span>. 31/12<span class=\"_ _1\"></span>-2<span class=\"_ _1\"></span>02<span class=\"_ _1\"></span>3 vur<span class=\"_ _1\"></span>dert til </span><span style=\"display:inherit;clear:left;\">amortisert kos<span class=\"_ _1\"></span>t<span class=\"_ _133\"> </span>220 5<span class=\"_ _1\"></span>03<span class=\"_ _a8\"> </span>14 636<span class=\"_ _6b\"> </span></span><span style=\"display:inherit;clear:left;\">940<span class=\"_ _83\"> </span></span><span style=\"display:inherit;clear:left;\">2<span class=\"_ _8\"></span>3<span class=\"_ _8\"></span>6<span class=\"_ _8\"></span> 079<span class=\"_ _a2\"> </span><span class=\"ls13 ws13\">49<span class=\"_ _8\"></span>4<span class=\"_ _6b\"> </span><span class=\"ls14f ws200\">236<span class=\"_ _8\"></span> 5<span class=\"_ _8\"></span>72</span></span></span><span style=\"display:inherit;clear:left;\">T<span class=\"_ _0\"></span>apsnedskriving utl\u00e5n<span class=\"_ _223\"> </span></span><span style=\"display:inherit;clear:left;\">-24<span class=\"_ _8\"></span>4<span class=\"_ _86\"> </span><span class=\"ls125 ws1cf\">-208<span class=\"_ _87\"> </span>-2<span class=\"_ _8\"></span>20<span class=\"_ _4a\"> </span><span class=\"ls137 ws1e4\">-<span class=\"_ _8\"></span>672<span class=\"_ _3d\"> </span></span>-205<span class=\"_ _a1\"> </span><span class=\"ls132 ws1de\">-<span class=\"_ _8\"></span>878</span></span></span><span style=\"display:inherit;clear:left;\">Net<span class=\"_ _1\"></span>to utl\u00e5n pr<span class=\"_ _0\"></span>. 31/12<span class=\"_ _1\"></span>-2<span class=\"_ _1\"></span>02<span class=\"_ _1\"></span>3 vur<span class=\"_ _1\"></span>dert til  </span><span style=\"display:inherit;clear:left;\">amortisert kost<span class=\"_ _18e\"> </span>220 2<span class=\"_ _1\"></span>5<span class=\"_ _1\"></span>9<span class=\"_ _c7\"> </span>14 42<span class=\"_ _1\"></span>8<span class=\"_ _86\"> </span></span><span style=\"display:inherit;clear:left;\">72<span class=\"_ _8\"></span>0<span class=\"_ _85\"> </span></span><span style=\"display:inherit;clear:left;\">2<span class=\"_ _8\"></span>3<span class=\"_ _8\"></span>5<span class=\"_ _8\"></span> 4<span class=\"_ _8\"></span>07<span class=\"_ _9c\"> </span><span class=\"ls109 ws16b\">28<span class=\"_ _8\"></span>8<span class=\"_ _6b\"> </span><span class=\"ls138 ws1e5\">235<span class=\"_ _8\"></span> 695</span></span></span><span style=\"display:inherit;clear:left;\">Utl\u00e5n vur<span class=\"_ _1\"></span>dert til virkelig v<span class=\"_ _1\"></span>er<span class=\"_ _1\"></span>di<span class=\"_ _224\"> </span><span class=\"ff4 ls6 ws6\">2<span class=\"_ _8\"></span>0<span class=\"_ _8\"></span> 072</span></span><span style=\"display:inherit;clear:left;\">Balansef<span class=\"_ _1\"></span>\u00f8rt<span class=\"_ _1\"></span>e utl\u00e5n pr<span class=\"_ _0\"></span>. 31/12-<span class=\"_ _1\"></span>20<span class=\"_ _1\"></span>23<span class=\"_ _186\"> </span><span class=\"ls4a ws9d\">25<span class=\"_ _8\"></span>5<span class=\"_ _8\"></span> 767</span></span><span style=\"display:inherit;clear:left;\">Brutto utl\u00e5n vur<span class=\"_ _2\"></span>der<span class=\"_ _8\"></span>t til amortisert kos<span class=\"_ _1\"></span>t f<span class=\"_ _1\"></span>or<span class=\"_ _1\"></span>delt </span><span style=\"display:inherit;clear:left;\">p\u00e5 ulike s<span class=\"_ _1\"></span>t<span class=\"_ _1\"></span>eg pr<span class=\"_ _0\"></span>. 31/12-<span class=\"_ _1\"></span>20<span class=\"_ _1\"></span>23<span class=\"_ _225\"> </span>220 50<span class=\"_ _1\"></span>3<span class=\"_ _a3\"> </span>14 636<span class=\"_ _6b\"> </span></span><span style=\"display:inherit;clear:left;\">940<span class=\"_ _83\"> </span></span><span style=\"display:inherit;clear:left;\">23<span class=\"_ _8\"></span>6<span class=\"_ _8\"></span> 079<span class=\"_ _226\"> </span><span class=\"ls13 ws13\">494<span class=\"_ _6b\"> </span><span class=\"ls14f ws200\">23<span class=\"_ _8\"></span>6<span class=\"_ _8\"></span> 572</span></span></span><span style=\"display:inherit;clear:left;\">* Hera<span class=\"_ _2\"></span>v Bedriftsmark<span class=\"_ _1\"></span>ed<span class=\"_ _127\"> </span><span class=\"ff4\">49 121<span class=\"_ _90\"> </span><span class=\"ls133 ws1e0\">9 056<span class=\"_ _189\"> </span><span class=\"ls120 ws1cb\">660<span class=\"_ _1b\"> </span><span class=\"ls61 wsb5\">5<span class=\"_ _8\"></span>8<span class=\"_ _8\"></span> 8<span class=\"_ _8\"></span>37<span class=\"_ _9c\"> </span><span class=\"ls13e ws1ec\">47<span class=\"_ _8\"></span>9<span class=\"_ _14\"> </span></span></span></span></span>59 3<span class=\"_ _1\"></span>16</span></span><span style=\"display:inherit;clear:left;\">* Hera<span class=\"_ _2\"></span>v Priva<span class=\"_ _2\"></span>tmarked \u2013 bolig<span class=\"_ _227\"> </span><span class=\"ff4\">17<span class=\"_ _1\"></span>0 844<span class=\"_ _90\"> </span><span class=\"ls138 ws1e5\">5<span class=\"_ _8\"></span> 469<span class=\"_ _74\"> </span><span class=\"ls13 ws13\">27<span class=\"_ _8\"></span>1<span class=\"_ _86\"> </span></span></span>176 5<span class=\"_ _1\"></span>83<span class=\"_ _a0\"> </span>15<span class=\"_ _86\"> </span>17<span class=\"_ _1\"></span>6 5<span class=\"_ _1\"></span>98</span></span><span style=\"display:inherit;clear:left;\">* Hera<span class=\"_ _2\"></span>v Priva<span class=\"_ _2\"></span>tmarked \u2013 b<span class=\"_ _1\"></span>lanco/anne<span class=\"_ _1\"></span>t<span class=\"_ _f0\"> </span><span class=\"ff4 ls139 ws1e6\">538<span class=\"_ _3e\"> </span></span><span class=\"ff4\">111<span class=\"_ _9a\"> </span>9<span class=\"_ _97\"> </span><span class=\"ls126 ws1d0\">6<span class=\"_ _8\"></span>58<span class=\"_ _43\"> </span></span>0<span class=\"_ _97\"> </span><span class=\"ls126 ws1d0\">658</span></span></span><span style=\"display:inherit;clear:left;\">MORBANK</span><span style=\"display:inherit;clear:left;\"> Sum modell- </span><span style=\"display:inherit;clear:left;\">Individuelt </span><span style=\"display:inherit;clear:left;\">Modellber<span class=\"_ _1\"></span>egnet</span><span style=\"display:inherit;clear:left;\">ber<span class=\"_ _1\"></span>egnet tap</span><span style=\"display:inherit;clear:left;\">vur<span class=\"_ _1\"></span>dert<span class=\"_ _a2\"> </span><span class=\"ls140 ws1ee\">To<span class=\"_ _a\"></span>t<span class=\"_ _38\"></span>a<span class=\"_ _a\"></span>l</span></span><span style=\"display:inherit;clear:left;\">Br<span class=\"_ _8\"></span>utto ut<span class=\"_ _8\"></span>l\u00e5n v<span class=\"_ _8\"></span>urde<span class=\"_ _8\"></span>rt ti<span class=\"_ _8\"></span>l am<span class=\"_ _8\"></span>ort<span class=\"_ _8\"></span>ise<span class=\"_ _8\"></span>rt ko<span class=\"_ _8\"></span>st ell<span class=\"_ _8\"></span>er </span><span style=\"display:inherit;clear:left;\">virkelig v<span class=\"_ _1\"></span>erdi<span class=\"_ _1\"></span> ov<span class=\"_ _1\"></span>er OCI<span class=\"_ _20\"> </span><span class=\"ls125 ws1cf\">Ste<span class=\"_ _8\"></span>g 1<span class=\"_ _cc\"> </span>Ste<span class=\"_ _8\"></span>g 2<span class=\"_ _a3\"> </span>Ste<span class=\"_ _8\"></span>g 3<span class=\"_ _1e5\"> </span>Ste<span class=\"_ _8\"></span>g 3</span></span><span style=\"display:inherit;clear:left;\">Brutt<span class=\"_ _1\"></span>o utl\u00e5n inng\u00e5ende balanse<span class=\"_ _16b\"> </span></span><span style=\"display:inherit;clear:left;\">83 568<span class=\"_ _cb\"> </span></span><span style=\"display:inherit;clear:left;\">8 46<span class=\"_ _8\"></span>0<span class=\"_ _8e\"> </span><span class=\"ls135 ws1e2\">6<span class=\"_ _8\"></span>36<span class=\"_ _94\"> </span></span></span><span style=\"display:inherit;clear:left;\"><span class=\"ff1\">92 665<span class=\"_ _20e\"> </span><span class=\"ls12c ws1d6\">623<span class=\"_ _74\"> </span></span>93 2<span class=\"_ _1\"></span>88</span></span><span style=\"display:inherit;clear:left;\">Overf<span class=\"_ _1\"></span>\u00f8rt til 12 mnd ECL (s<span class=\"_ _1\"></span>teg 1)<span class=\"_ _21\"> </span><span class=\"ls136 ws1e3\">2 39<span class=\"_ _8\"></span>8<span class=\"_ _dc\"> </span></span>-2 3<span class=\"_ _1\"></span>64<span class=\"_ _6e\"> </span><span class=\"ls84 wsdf\">-3<span class=\"_ _8\"></span>4<span class=\"_ _43\"> </span></span>0<span class=\"_ _21e\"> </span>0<span class=\"_ _43\"> </span>0</span><span style=\"display:inherit;clear:left;\">Overf<span class=\"_ _1\"></span>\u00f8rt til lev<span class=\"_ _1\"></span>e<span class=\"_ _1\"></span>tid ECL \u2013 ikk<span class=\"_ _1\"></span>e objektiv<span class=\"_ _1\"></span>e bevis p\u00e5 </span><span style=\"display:inherit;clear:left;\">tap (st<span class=\"_ _1\"></span>eg 2)<span class=\"_ _183\"> </span><span class=\"ls138 ws1e5\">-5 0<span class=\"_ _8\"></span>82<span class=\"_ _189\"> </span></span>5 118<span class=\"_ _94\"> </span><span class=\"ls84 wsdf\">-2<span class=\"_ _8\"></span>2<span class=\"_ _88\"> </span></span>14<span class=\"_ _125\"> </span><span class=\"ls6 ws6\">-1<span class=\"_ _a\"></span>4<span class=\"_ _c8\"> </span></span>0</span><span style=\"display:inherit;clear:left;\">Overf<span class=\"_ _1\"></span>\u00f8rt til lev<span class=\"_ _1\"></span>e<span class=\"_ _1\"></span>tid ECL \u2013 objektiv<span class=\"_ _1\"></span>e be<span class=\"_ _1\"></span>vis p\u00e5 tap </span><span style=\"display:inherit;clear:left;\">(st<span class=\"_ _1\"></span>eg 3) \u2013 Modellberegne<span class=\"_ _1\"></span>t<span class=\"_ _228\"> </span></span><span style=\"display:inherit;clear:left;\">-35<span class=\"_ _86\"> </span></span><span style=\"display:inherit;clear:left;\">-26<span class=\"_ _8\"></span>5<span class=\"_ _8e\"> </span><span class=\"ls12c ws1d6\">30<span class=\"_ _8\"></span>0<span class=\"_ _21e\"> </span></span></span><span style=\"display:inherit;clear:left;\">0<span class=\"_ _43\"> </span>0<span class=\"_ _43\"> </span>0</span><span style=\"display:inherit;clear:left;\">Overf<span class=\"_ _1\"></span>\u00f8rt til lev<span class=\"_ _1\"></span>e<span class=\"_ _1\"></span>tid ECL \u2013 objektiv<span class=\"_ _1\"></span>e be<span class=\"_ _1\"></span>vis p\u00e5 tap </span><span style=\"display:inherit;clear:left;\">(st<span class=\"_ _1\"></span>eg 3) \u2013 Individuelt vurdert<span class=\"_ _11e\"> </span><span class=\"ls125 ws1cf\">-20<span class=\"_ _6f\"> </span><span class=\"ls84 wsdf\">-235<span class=\"_ _94\"> </span>-34<span class=\"_ _96\"> </span></span>-290<span class=\"_ _97\"> </span>29<span class=\"_ _8\"></span>0<span class=\"_ _43\"> </span></span>0</span><span style=\"display:inherit;clear:left;\">Nye ut<span class=\"_ _1\"></span>st<span class=\"_ _1\"></span>edte eller kj\u00f8p<span class=\"_ _1\"></span>te finansielle eiendeler<span class=\"_ _1b\"> </span>48 97<span class=\"_ _2\"></span>0<span class=\"_ _89\"> </span>3 067<span class=\"_ _108\"> </span></span><span style=\"display:inherit;clear:left;\">1<span class=\"_ _8\"></span>46<span class=\"_ _12\"> </span><span class=\"ls138 ws1e5\">52<span class=\"_ _8\"></span> 182<span class=\"_ _116\"> </span><span class=\"ls13e ws1ec\">47<span class=\"_ _93\"> </span></span>52<span class=\"_ _8\"></span> 230</span></span><span style=\"display:inherit;clear:left;\">Finansielle eiendeler som har blitt fr<span class=\"_ _1\"></span>ar<span class=\"_ _1\"></span>egnet  </span><span style=\"display:inherit;clear:left;\">\u2013 eksklusiv<span class=\"_ _1\"></span>e tapsnedskriving<span class=\"_ _a9\"> </span>-<span class=\"_ _1\"></span>34 4<span class=\"_ _2\"></span>14<span class=\"_ _c9\"> </span></span><span style=\"display:inherit;clear:left;\">-3 335<span class=\"_ _83\"> </span></span><span style=\"display:inherit;clear:left;\">-2<span class=\"_ _8\"></span>27<span class=\"_ _ba\"> </span></span><span style=\"display:inherit;clear:left;\">-<span class=\"_ _8\"></span>3<span class=\"_ _8\"></span>7<span class=\"_ _8\"></span> 97<span class=\"_ _8\"></span>5<span class=\"_ _226\"> </span><span class=\"ls139 ws1e6\">-51<span class=\"_ _8\"></span>3<span class=\"_ _8e\"> </span></span></span><span style=\"display:inherit;clear:left;\">-38 488</span><span style=\"display:inherit;clear:left;\">Net<span class=\"_ _1\"></span>to endring p\u00e5 ek<span class=\"_ _1\"></span>sist<span class=\"_ _1\"></span>erende l\u00e5n<span class=\"_ _e8\"> </span></span><span style=\"display:inherit;clear:left;\">2 70<span class=\"_ _8\"></span>8<span class=\"_ _93\"> </span><span class=\"ls82 ws14b\">563<span class=\"_ _14\"> </span><span class=\"ls126 ws1d0\">58<span class=\"_ _3e\"> </span><span class=\"ls125 ws1cf\">3<span class=\"_ _8\"></span> 329<span class=\"_ _b6\"> </span></span></span>56<span class=\"_ _21a\"> </span><span class=\"ls139 ws1e6\">3<span class=\"_ _8\"></span> 385</span></span></span><span style=\"display:inherit;clear:left;\">Brutto utl\u00e5n pr<span class=\"_ _0\"></span>. 31/12<span class=\"_ _1\"></span>-2<span class=\"_ _1\"></span>02<span class=\"_ _1\"></span>3 vur<span class=\"_ _1\"></span>dert til </span><span style=\"display:inherit;clear:left;\">amortisert kos<span class=\"_ _1\"></span>t eller virk<span class=\"_ _1\"></span>elig ver<span class=\"_ _2\"></span>di ov<span class=\"_ _1\"></span>er OCI<span class=\"_ _1a\"> </span><span class=\"ls13b ws1e8\">98 094<span class=\"_ _dc\"> </span></span>11 009<span class=\"_ _189\"> </span><span class=\"ls15 ws15\">82<span class=\"_ _8\"></span>2<span class=\"_ _85\"> </span></span>109 926<span class=\"_ _a1\"> </span><span class=\"ls13 ws13\">49<span class=\"_ _8\"></span>0<span class=\"_ _6e\"> </span></span>110 4<span class=\"_ _1\"></span>15</span><span style=\"display:inherit;clear:left;\">T<span class=\"_ _0\"></span>apsnedskriving utl\u00e5n<span class=\"_ _1cb\"> </span>-<span class=\"_ _1\"></span>214<span class=\"_ _74\"> </span></span><span style=\"display:inherit;clear:left;\">-1<span class=\"_ _8\"></span>67<span class=\"_ _189\"> </span>-1<span class=\"_ _a\"></span>9<span class=\"_ _8\"></span>8<span class=\"_ _4a\"> </span></span><span style=\"display:inherit;clear:left;\">-<span class=\"_ _8\"></span>579<span class=\"_ _3d\"> </span><span class=\"ls125 ws1cf\">-205<span class=\"_ _4a\"> </span><span class=\"ls134 ws1e1\">-7<span class=\"_ _8\"></span>8<span class=\"_ _38\"></span>4</span></span></span><span style=\"display:inherit;clear:left;\">Net<span class=\"_ _1\"></span>to utl\u00e5n pr<span class=\"_ _0\"></span>. 31/12<span class=\"_ _1\"></span>-2<span class=\"_ _1\"></span>02<span class=\"_ _1\"></span>3 vur<span class=\"_ _1\"></span>dert til amortisert </span><span style=\"display:inherit;clear:left;\">kos<span class=\"_ _1\"></span>t eller virkelig v<span class=\"_ _1\"></span>er<span class=\"_ _1\"></span>di o<span class=\"_ _1\"></span>v<span class=\"_ _1\"></span>er OCI<span class=\"_ _29\"> </span>9<span class=\"_ _1\"></span>7 880<span class=\"_ _c7\"> </span>10 842<span class=\"_ _65\"> </span><span class=\"ls83 wsdd\">625<span class=\"_ _8e\"> </span></span>109 34<span class=\"_ _2\"></span>7<span class=\"_ _20e\"> </span><span class=\"ls109 ws16b\">28<span class=\"_ _8\"></span>4<span class=\"_ _108\"> </span></span>109 631</span><span style=\"display:inherit;clear:left;\">Utl\u00e5n vur<span class=\"_ _1\"></span>dert til virkelig v<span class=\"_ _1\"></span>er<span class=\"_ _1\"></span>di<span class=\"_ _201\"> </span><span class=\"ff4 ls31 ws81\">4 591</span></span><span style=\"display:inherit;clear:left;\">Balansef<span class=\"_ _1\"></span>\u00f8rt<span class=\"_ _1\"></span>e utl\u00e5n pr<span class=\"_ _0\"></span>. 31/12-<span class=\"_ _1\"></span>20<span class=\"_ _1\"></span>23<span class=\"_ _229\"> </span>114 222</span><span style=\"display:inherit;clear:left;\">K<span class=\"_ _1\"></span>ONSERN </span><span style=\"display:inherit;clear:left;\"> Sum modell- </span><span style=\"display:inherit;clear:left;\">Individuelt </span><span style=\"display:inherit;clear:left;\">Modellber<span class=\"_ _1\"></span>egnet</span><span style=\"display:inherit;clear:left;\">ber<span class=\"_ _1\"></span>egnet tap</span><span style=\"display:inherit;clear:left;\">vur<span class=\"_ _1\"></span>dert<span class=\"_ _a2\"> </span><span class=\"ls140 ws1ee\">To<span class=\"_ _a\"></span>t<span class=\"_ _38\"></span>a<span class=\"_ _a\"></span>l</span></span><span style=\"display:inherit;clear:left;\">Br<span class=\"_ _8\"></span>utto ut<span class=\"_ _8\"></span>l\u00e5n v<span class=\"_ _8\"></span>urde<span class=\"_ _8\"></span>rt ti<span class=\"_ _8\"></span>l am<span class=\"_ _8\"></span>ort<span class=\"_ _8\"></span>ise<span class=\"_ _8\"></span>rt ko<span class=\"_ _8\"></span>st<span class=\"_ _116\"> </span><span class=\"ls125 ws1cf\">S<span class=\"_ _8\"></span>teg<span class=\"_ _8\"></span> 1<span class=\"_ _cc\"> </span>Steg<span class=\"_ _8\"></span> 2<span class=\"_ _a8\"> </span>S<span class=\"_ _8\"></span>teg<span class=\"_ _8\"></span> 3<span class=\"_ _1e5\"> </span>Steg<span class=\"_ _8\"></span> 3</span></span><span style=\"display:inherit;clear:left;\">Brutt<span class=\"_ _1\"></span>o utl\u00e5n inng\u00e5ende balanse<span class=\"_ _e8\"> </span><span class=\"ff1\">163 156<span class=\"_ _d4\"> </span>11 575<span class=\"_ _189\"> </span><span class=\"ls12a ws1d4\">78<span class=\"_ _8\"></span>0<span class=\"_ _74\"> </span></span>175 5<span class=\"_ _1\"></span>11<span class=\"_ _9d\"> </span><span class=\"ls82 ws14b\">656<span class=\"_ _108\"> </span></span>176 16<span class=\"_ _1\"></span>7</span></span><span style=\"display:inherit;clear:left;\">Overf<span class=\"_ _1\"></span>\u00f8rt til 12 mnd ECL (s<span class=\"_ _1\"></span>teg 1)<span class=\"_ _202\"> </span></span><span style=\"display:inherit;clear:left;\">2 4<span class=\"_ _8\"></span>52<span class=\"_ _d4\"> </span></span><span style=\"display:inherit;clear:left;\">-<span class=\"_ _8\"></span>2<span class=\"_ _8\"></span> 379<span class=\"_ _5d\"> </span></span><span style=\"display:inherit;clear:left;\">-23<span class=\"_ _20d\"> </span><span class=\"ls82 ws14b\">50<span class=\"_ _25\"> </span>-50<span class=\"_ _43\"> </span></span></span><span style=\"display:inherit;clear:left;\">0</span><span style=\"display:inherit;clear:left;\">Overf<span class=\"_ _1\"></span>\u00f8rt til lev<span class=\"_ _1\"></span>e<span class=\"_ _1\"></span>tid ECL \u2013 ikk<span class=\"_ _1\"></span>e objektiv<span class=\"_ _1\"></span>e bevis p\u00e5 </span><span style=\"display:inherit;clear:left;\">tap (st<span class=\"_ _1\"></span>eg 2)<span class=\"_ _211\"> </span><span class=\"ls82 ws14b\">-4 862<span class=\"_ _b7\"> </span></span>5 004<span class=\"_ _6b\"> </span><span class=\"ls6 ws6\">-1<span class=\"_ _8\"></span>4<span class=\"_ _8\"></span>2<span class=\"_ _c8\"> </span></span>0<span class=\"_ _21e\"> </span>0<span class=\"_ _43\"> </span>0</span><span style=\"display:inherit;clear:left;\">Overf<span class=\"_ _1\"></span>\u00f8rt til lev<span class=\"_ _1\"></span>e<span class=\"_ _1\"></span>tid ECL \u2013 objektiv<span class=\"_ _1\"></span>e be<span class=\"_ _1\"></span>vis p\u00e5 tap </span><span style=\"display:inherit;clear:left;\">(st<span class=\"_ _1\"></span>eg 3) \u2013 Modellberegne<span class=\"_ _1\"></span>t<span class=\"_ _222\"> </span></span><span style=\"display:inherit;clear:left;\">-7<span class=\"_ _8\"></span>5<span class=\"_ _6f\"> </span></span><span style=\"display:inherit;clear:left;\">-2<span class=\"_ _8\"></span>20<span class=\"_ _65\"> </span><span class=\"ls12c ws1d6\">305<span class=\"_ _a0\"> </span></span></span><span style=\"display:inherit;clear:left;\">10<span class=\"_ _13\"> </span><span class=\"ls6 ws6\">-1<span class=\"_ _8\"></span>0<span class=\"_ _c8\"> </span></span>0</span><span style=\"display:inherit;clear:left;\">Overf<span class=\"_ _1\"></span>\u00f8rt til lev<span class=\"_ _1\"></span>e<span class=\"_ _1\"></span>tid ECL \u2013 objektiv<span class=\"_ _1\"></span>e be<span class=\"_ _1\"></span>vis p\u00e5 tap </span><span style=\"display:inherit;clear:left;\">(st<span class=\"_ _1\"></span>eg 3) \u2013 Individuelt vurdert<span class=\"_ _11f\"> </span></span><span style=\"display:inherit;clear:left;\">-1<span class=\"_ _8\"></span>2<span class=\"_ _11\"> </span><span class=\"ls109 ws16b\">-28<span class=\"_ _1a\"> </span></span>-1<span class=\"_ _8\"></span>8<span class=\"_ _117\"> </span><span class=\"ls31 ws81\">-<span class=\"_ _8\"></span>57<span class=\"_ _116\"> </span>57<span class=\"_ _c8\"> </span></span></span><span style=\"display:inherit;clear:left;\">0</span><span style=\"display:inherit;clear:left;\">Nye ut<span class=\"_ _1\"></span>st<span class=\"_ _1\"></span>edte eller kj\u00f8p<span class=\"_ _1\"></span>te finansielle eiendeler<span class=\"_ _11\"> </span>71 866<span class=\"_ _87\"> </span>2 061<span class=\"_ _11\"> </span><span class=\"ls61 wsb5\">78<span class=\"_ _74\"> </span></span>7<span class=\"_ _2\"></span>4 006<span class=\"_ _25\"> </span><span class=\"ls125 ws1cf\">120<span class=\"_ _14\"> </span></span>7<span class=\"_ _2\"></span>4 125</span><span style=\"display:inherit;clear:left;\">Finansielle eiendeler som har blitt fr<span class=\"_ _1\"></span>ar<span class=\"_ _1\"></span>egnet  </span><span style=\"display:inherit;clear:left;\">\u2013 eksklusiv<span class=\"_ _1\"></span>e tapsnedskriving<span class=\"_ _11c\"> </span></span><span style=\"display:inherit;clear:left;\">-<span class=\"_ _8\"></span>5<span class=\"_ _8\"></span>1<span class=\"_ _a\"></span> 2<span class=\"_ _8\"></span>07<span class=\"_ _db\"> </span></span><span style=\"display:inherit;clear:left;\">-4 546<span class=\"_ _83\"> </span></span><span style=\"display:inherit;clear:left;\">-<span class=\"_ _8\"></span>382<span class=\"_ _108\"> </span><span class=\"ls120 ws1cb\">-56 134<span class=\"_ _68\"> </span></span></span><span style=\"display:inherit;clear:left;\">-<span class=\"_ _1\"></span>164<span class=\"_ _189\"> </span><span class=\"ls82 ws14b\">-56<span class=\"_ _8\"></span> 298</span></span><span style=\"display:inherit;clear:left;\">Net<span class=\"_ _1\"></span>to endring p\u00e5 ek<span class=\"_ _1\"></span>sist<span class=\"_ _1\"></span>erende l\u00e5n<span class=\"_ _16f\"> </span>5 565<span class=\"_ _1b\"> </span></span><span style=\"display:inherit;clear:left;\">4<span class=\"_ _8\"></span>81<span class=\"_ _1a\"> </span><span class=\"ls108 ws16a\">94<span class=\"_ _9a\"> </span></span></span><span style=\"display:inherit;clear:left;\">6 139<span class=\"_ _49\"> </span>14<span class=\"_ _e9\"> </span>6 153</span><span style=\"display:inherit;clear:left;\">Andre endring<span class=\"_ _1\"></span>er<span class=\"_ _70\"> </span></span><span style=\"display:inherit;clear:left;\">2<span class=\"_ _8\"></span> 241<span class=\"_ _10\"> </span><span class=\"ls10 ws10\">61<span class=\"_ _1a\"> </span></span></span><span style=\"display:inherit;clear:left;\">84<span class=\"_ _21a\"> </span><span class=\"ls139 ws1e6\">2<span class=\"_ _8\"></span> 386<span class=\"_ _43\"> </span></span>0<span class=\"_ _21a\"> </span><span class=\"ls139 ws1e6\">2<span class=\"_ _8\"></span> 386</span></span><span style=\"display:inherit;clear:left;\">Brutto utl\u00e5n pr<span class=\"_ _0\"></span>. 31/12<span class=\"_ _1\"></span>-2<span class=\"_ _1\"></span>022 vur<span class=\"_ _2\"></span>der<span class=\"_ _8\"></span>t til </span><span style=\"display:inherit;clear:left;\">amortisert kos<span class=\"_ _1\"></span>t<span class=\"_ _30\"> </span>189 12<span class=\"_ _1\"></span>4<span class=\"_ _131\"> </span>12 010<span class=\"_ _86\"> </span></span><span style=\"display:inherit;clear:left;\">7<span class=\"_ _8\"></span>76<span class=\"_ _189\"> </span></span><span style=\"display:inherit;clear:left;\">201 910<span class=\"_ _97\"> </span><span class=\"ls12c ws1d6\">623<span class=\"_ _cd\"> </span><span class=\"lsf6 ws158\">202<span class=\"_ _8\"></span> 534</span></span></span><span style=\"display:inherit;clear:left;\">T<span class=\"_ _0\"></span>apsnedskriving utl\u00e5n<span class=\"_ _17d\"> </span>-<span class=\"_ _2\"></span>163<span class=\"_ _108\"> </span></span><span style=\"display:inherit;clear:left;\">-279<span class=\"_ _9b\"> </span><span class=\"ls125 ws1cf\">-201<span class=\"_ _10\"> </span></span></span><span style=\"display:inherit;clear:left;\">-644<span class=\"_ _95\"> </span><span class=\"ls84 wsdf\">-236<span class=\"_ _96\"> </span></span>-880</span><span style=\"display:inherit;clear:left;\">Net<span class=\"_ _1\"></span>to utl\u00e5n pr<span class=\"_ _0\"></span>. 31/12<span class=\"_ _1\"></span>-2<span class=\"_ _1\"></span>022 vur<span class=\"_ _1\"></span>dert til amortisert </span><span style=\"display:inherit;clear:left;\">kost<span class=\"_ _22a\"> </span><span class=\"ls0 ws0\">188 961<span class=\"_ _8a\"> </span>11 73<span class=\"_ _1\"></span>1<span class=\"_ _6f\"> </span><span class=\"ls31 ws81\">575<span class=\"_ _86\"> </span><span class=\"ls125 ws1cf\">201<span class=\"_ _8\"></span> 267<span class=\"_ _118\"> </span><span class=\"ls132 ws1de\">387<span class=\"_ _9b\"> </span></span></span></span>201 654</span></span><span style=\"display:inherit;clear:left;\">Utl\u00e5n vur<span class=\"_ _1\"></span>dert til virkelig v<span class=\"_ _1\"></span>er<span class=\"_ _1\"></span>di<span class=\"_ _22b\"> </span><span class=\"ff4\">22 840</span></span><span style=\"display:inherit;clear:left;\">Balansef<span class=\"_ _1\"></span>\u00f8rt<span class=\"_ _1\"></span>e utl\u00e5n pr<span class=\"_ _0\"></span>. 31/12-<span class=\"_ _1\"></span>20<span class=\"_ _1\"></span>22<span class=\"_ _1f6\"> </span>22<span class=\"_ _1\"></span>4 4<span class=\"_ _1\"></span>9<span class=\"_ _1\"></span>4</span><span style=\"display:inherit;clear:left;\">Brutto utl\u00e5n vur<span class=\"_ _2\"></span>der<span class=\"_ _8\"></span>t til amortisert kos<span class=\"_ _1\"></span>t f<span class=\"_ _1\"></span>or<span class=\"_ _1\"></span>delt </span><span style=\"display:inherit;clear:left;\">p\u00e5 ulike s<span class=\"_ _1\"></span>t<span class=\"_ _1\"></span>eg pr<span class=\"_ _0\"></span>. 31/12-<span class=\"_ _1\"></span>20<span class=\"_ _1\"></span>22<span class=\"_ _a9\"> </span>189 12<span class=\"_ _1\"></span>4<span class=\"_ _131\"> </span>12 010<span class=\"_ _86\"> </span></span><span style=\"display:inherit;clear:left;\">7<span class=\"_ _8\"></span>76<span class=\"_ _189\"> </span></span><span style=\"display:inherit;clear:left;\">201 91<span class=\"_ _8\"></span>0<span class=\"_ _20e\"> </span><span class=\"ls12c ws1d6\">623<span class=\"_ _cd\"> </span><span class=\"lsf6 ws158\">202<span class=\"_ _8\"></span> 534</span></span></span><span style=\"display:inherit;clear:left;\">* Hera<span class=\"_ _2\"></span>v Bedriftsmark<span class=\"_ _1\"></span>ed<span class=\"_ _1fc\"> </span></span><span style=\"display:inherit;clear:left;\">44 888<span class=\"_ _90\"> </span>6 965<span class=\"_ _65\"> </span><span class=\"ls4a ws9d\">5<span class=\"_ _8\"></span>24<span class=\"_ _1a\"> </span></span>52 3<span class=\"_ _2\"></span>77<span class=\"_ _df\"> </span><span class=\"ls10 ws10\">610<span class=\"_ _1b\"> </span><span class=\"ls132 ws1de\">52<span class=\"_ _a\"></span> 9<span class=\"_ _8\"></span>87</span></span></span><span style=\"display:inherit;clear:left;\">* Hera<span class=\"_ _2\"></span>v Priva<span class=\"_ _2\"></span>tmarked \u2013 bolig<span class=\"_ _22c\"> </span><span class=\"ff4\">143 395<span class=\"_ _8a\"> </span><span class=\"ls82 ws14b\">4 981<span class=\"_ _189\"> </span><span class=\"ls4a ws9d\">24<span class=\"_ _8\"></span>0<span class=\"_ _108\"> </span></span></span>148 617<span class=\"_ _88\"> </span>10<span class=\"_ _8e\"> </span>148 627</span></span><span style=\"display:inherit;clear:left;\">* Hera<span class=\"_ _2\"></span>v Priva<span class=\"_ _2\"></span>tmarked \u2013 b<span class=\"_ _1\"></span>lanco/anne<span class=\"_ _1\"></span>t<span class=\"_ _50\"> </span><span class=\"ff4 ls131 ws1dd\">8<span class=\"_ _8\"></span>41<span class=\"_ _8d\"> </span></span><span class=\"ff4\">64<span class=\"_ _78\"> </span>12<span class=\"_ _e7\"> </span><span class=\"ls126 ws1d0\">917<span class=\"_ _21e\"> </span></span>4<span class=\"_ _97\"> </span><span class=\"ls125 ws1cf\">920</span></span></span><span style=\"display:inherit;clear:left;\">MORBANK</span><span style=\"display:inherit;clear:left;\"> Sum modell- </span><span style=\"display:inherit;clear:left;\">Individuelt </span><span style=\"display:inherit;clear:left;\">Modellber<span class=\"_ _1\"></span>egnet</span><span style=\"display:inherit;clear:left;\">ber<span class=\"_ _1\"></span>egnet tap</span><span style=\"display:inherit;clear:left;\">vur<span class=\"_ _1\"></span>dert<span class=\"_ _a2\"> </span><span class=\"ls140 ws1ee\">To<span class=\"_ _a\"></span>t<span class=\"_ _38\"></span>a<span class=\"_ _a\"></span>l</span></span><span style=\"display:inherit;clear:left;\">Br<span class=\"_ _8\"></span>utto ut<span class=\"_ _8\"></span>l\u00e5n v<span class=\"_ _8\"></span>urde<span class=\"_ _8\"></span>rt ti<span class=\"_ _8\"></span>l am<span class=\"_ _8\"></span>ort<span class=\"_ _8\"></span>ise<span class=\"_ _8\"></span>rt ko<span class=\"_ _8\"></span>st ell<span class=\"_ _8\"></span>er </span><span style=\"display:inherit;clear:left;\">virkelig v<span class=\"_ _1\"></span>erdi<span class=\"_ _1\"></span> ov<span class=\"_ _1\"></span>er OCI<span class=\"_ _20\"> </span><span class=\"ls125 ws1cf\">Ste<span class=\"_ _8\"></span>g 1<span class=\"_ _cc\"> </span>Ste<span class=\"_ _8\"></span>g 2<span class=\"_ _a3\"> </span>Ste<span class=\"_ _8\"></span>g 3<span class=\"_ _1e5\"> </span>Ste<span class=\"_ _8\"></span>g 3</span></span><span style=\"display:inherit;clear:left;\">Brutt<span class=\"_ _1\"></span>o utl\u00e5n inng\u00e5ende balanse<span class=\"_ _16b\"> </span></span><span style=\"display:inherit;clear:left;\">68 96<span class=\"_ _1\"></span>7<span class=\"_ _b7\"> </span></span><span style=\"display:inherit;clear:left;\">8<span class=\"_ _8\"></span> 542<span class=\"_ _9b\"> </span><span class=\"ls62 wsb6\">6<span class=\"_ _8\"></span>34<span class=\"_ _1b\"> </span></span></span><span style=\"display:inherit;clear:left;\">7<span class=\"_ _1\"></span>8 142</span><span style=\"display:inherit;clear:left;\"><span class=\"_ _a2\"> </span><span class=\"ls82 ws14b\">650<span class=\"_ _93\"> </span><span class=\"ls12a ws1d4\">78<span class=\"_ _8\"></span> 7<span class=\"_ _8\"></span>93</span></span></span><span style=\"display:inherit;clear:left;\">Overf<span class=\"_ _1\"></span>\u00f8rt til 12 mnd ECL (s<span class=\"_ _1\"></span>teg 1)<span class=\"_ _22d\"> </span><span class=\"ls126 ws1d0\">1 583<span class=\"_ _87\"> </span></span>-<span class=\"_ _1\"></span>1 516<span class=\"_ _1b\"> </span></span><span style=\"display:inherit;clear:left;\">-1<span class=\"_ _8\"></span>6<span class=\"_ _b6\"> </span><span class=\"ls82 ws14b\">50<span class=\"_ _25\"> </span>-50<span class=\"_ _43\"> </span></span></span><span style=\"display:inherit;clear:left;\">0</span><span style=\"display:inherit;clear:left;\">Overf<span class=\"_ _1\"></span>\u00f8rt til lev<span class=\"_ _1\"></span>e<span class=\"_ _1\"></span>tid ECL \u2013 ikk<span class=\"_ _1\"></span>e objektiv<span class=\"_ _1\"></span>e bevis p\u00e5 </span><span style=\"display:inherit;clear:left;\">tap (st<span class=\"_ _1\"></span>eg 2)<span class=\"_ _22e\"> </span><span class=\"ls84 wsdf\">-3 36<span class=\"_ _8\"></span>2<span class=\"_ _90\"> </span></span>3 480<span class=\"_ _6f\"> </span>-<span class=\"_ _2\"></span>119<span class=\"_ _43\"> </span>0<span class=\"_ _43\"> </span>0<span class=\"_ _21e\"> </span>0</span><span style=\"display:inherit;clear:left;\">Overf<span class=\"_ _1\"></span>\u00f8rt til lev<span class=\"_ _1\"></span>e<span class=\"_ _1\"></span>tid ECL \u2013 objektiv<span class=\"_ _1\"></span>e be<span class=\"_ _1\"></span>vis p\u00e5 tap </span><span style=\"display:inherit;clear:left;\">(st<span class=\"_ _1\"></span>eg 3) \u2013 Modellberegne<span class=\"_ _1\"></span>t<span class=\"_ _176\"> </span></span><span style=\"display:inherit;clear:left;\">-46<span class=\"_ _94\"> </span></span><span style=\"display:inherit;clear:left;\">-1<span class=\"_ _a\"></span>6<span class=\"_ _8\"></span>9<span class=\"_ _6f\"> </span><span class=\"ls83 wsdd\">225<span class=\"_ _88\"> </span></span></span><span style=\"display:inherit;clear:left;\">10<span class=\"_ _13\"> </span><span class=\"ls6 ws6\">-1<span class=\"_ _a\"></span>0<span class=\"_ _c8\"> </span></span>0</span><span style=\"display:inherit;clear:left;\">Overf<span class=\"_ _1\"></span>\u00f8rt til lev<span class=\"_ _1\"></span>e<span class=\"_ _1\"></span>tid ECL \u2013 objektiv<span class=\"_ _1\"></span>e be<span class=\"_ _1\"></span>vis p\u00e5 tap </span><span style=\"display:inherit;clear:left;\">(st<span class=\"_ _1\"></span>eg 3) \u2013 Individuelt vurdert<span class=\"_ _11f\"> </span></span><span style=\"display:inherit;clear:left;\">-1<span class=\"_ _8\"></span>2<span class=\"_ _11\"> </span><span class=\"ls109 ws16b\">-28<span class=\"_ _1a\"> </span></span>-1<span class=\"_ _8\"></span>8<span class=\"_ _117\"> </span><span class=\"ls31 ws81\">-<span class=\"_ _8\"></span>57<span class=\"_ _116\"> </span>57<span class=\"_ _c8\"> </span></span></span><span style=\"display:inherit;clear:left;\">0</span><span style=\"display:inherit;clear:left;\">Nye ut<span class=\"_ _1\"></span>st<span class=\"_ _1\"></span>edte eller kj\u00f8p<span class=\"_ _1\"></span>te finansielle eiendeler<span class=\"_ _72\"> </span>39 655<span class=\"_ _cd\"> </span>1 490<span class=\"_ _1a\"> </span>84<span class=\"_ _1a\"> </span>4<span class=\"_ _1\"></span>1 229<span class=\"_ _df\"> </span><span class=\"ls125 ws1cf\">120<span class=\"_ _72\"> </span></span>4<span class=\"_ _1\"></span>1 348</span><span style=\"display:inherit;clear:left;\">Finansielle eiendeler som har blitt fr<span class=\"_ _1\"></span>ar<span class=\"_ _1\"></span>egnet  </span><span style=\"display:inherit;clear:left;\">\u2013 eksklusiv<span class=\"_ _1\"></span>e tapsnedskriving<span class=\"_ _202\"> </span>-2<span class=\"_ _1\"></span>8 2<span class=\"_ _1\"></span>44<span class=\"_ _c9\"> </span></span><span style=\"display:inherit;clear:left;\">-3<span class=\"_ _8\"></span> 79<span class=\"_ _8\"></span>9<span class=\"_ _83\"> </span></span><span style=\"display:inherit;clear:left;\">-326<span class=\"_ _108\"> </span></span><span style=\"display:inherit;clear:left;\">-<span class=\"_ _8\"></span>32<span class=\"_ _a\"></span> 370<span class=\"_ _9d\"> </span><span class=\"ls6 ws6\">-1<span class=\"_ _a\"></span>5<span class=\"_ _8\"></span>8<span class=\"_ _6f\"> </span><span class=\"ls109 ws16b\">-<span class=\"_ _8\"></span>32 528</span></span></span><span style=\"display:inherit;clear:left;\">Net<span class=\"_ _1\"></span>to endring p\u00e5 ek<span class=\"_ _1\"></span>sist<span class=\"_ _1\"></span>erende l\u00e5n<span class=\"_ _e1\"> </span></span><span style=\"display:inherit;clear:left;\">2<span class=\"_ _8\"></span> 787<span class=\"_ _1b\"> </span></span><span style=\"display:inherit;clear:left;\">399<span class=\"_ _14\"> </span></span><span style=\"display:inherit;clear:left;\">89<span class=\"_ _91\"> </span><span class=\"ls13 ws13\">3<span class=\"_ _8\"></span> 275<span class=\"_ _88\"> </span></span></span><span style=\"display:inherit;clear:left;\">14<span class=\"_ _3e\"> </span><span class=\"ls109 ws16b\">3<span class=\"_ _8\"></span> 289</span></span><span style=\"display:inherit;clear:left;\">Andre endring<span class=\"_ _1\"></span>er<span class=\"_ _70\"> </span></span><span style=\"display:inherit;clear:left;\">2<span class=\"_ _8\"></span> 241<span class=\"_ _10\"> </span><span class=\"ls10 ws10\">61<span class=\"_ _1a\"> </span></span></span><span style=\"display:inherit;clear:left;\">84<span class=\"_ _21a\"> </span><span class=\"ls139 ws1e6\">2<span class=\"_ _8\"></span> 386<span class=\"_ _43\"> </span></span>0<span class=\"_ _21a\"> </span><span class=\"ls139 ws1e6\">2<span class=\"_ _8\"></span> 386</span></span><span style=\"display:inherit;clear:left;\">Brutto utl\u00e5n pr<span class=\"_ _0\"></span>. 31/12<span class=\"_ _1\"></span>-2<span class=\"_ _1\"></span>022 vur<span class=\"_ _2\"></span>der<span class=\"_ _8\"></span>t til </span><span style=\"display:inherit;clear:left;\">amortisert kos<span class=\"_ _1\"></span>t eller virk<span class=\"_ _1\"></span>elig ver<span class=\"_ _2\"></span>di ov<span class=\"_ _1\"></span>er OCI<span class=\"_ _98\"> </span></span><span style=\"display:inherit;clear:left;\">83<span class=\"_ _8\"></span> 568<span class=\"_ _cb\"> </span></span><span style=\"display:inherit;clear:left;\">8 460<span class=\"_ _65\"> </span><span class=\"ls135 ws1e2\">636<span class=\"_ _94\"> </span></span></span><span style=\"display:inherit;clear:left;\">92 665<span class=\"_ _20e\"> </span><span class=\"ls12c ws1d6\">623<span class=\"_ _74\"> </span></span>93 2<span class=\"_ _1\"></span>88</span><span style=\"display:inherit;clear:left;\">T<span class=\"_ _0\"></span>apsnedskriving utl\u00e5n<span class=\"_ _17d\"> </span></span><span style=\"display:inherit;clear:left;\">-15<span class=\"_ _a\"></span>5<span class=\"_ _86\"> </span><span class=\"ls4a ws9d\">-24<span class=\"_ _8\"></span>6<span class=\"_ _6e\"> </span></span>-1<span class=\"_ _8\"></span>9<span class=\"_ _8\"></span>1<span class=\"_ _4a\"> </span></span><span style=\"display:inherit;clear:left;\">-59<span class=\"_ _8\"></span>2<span class=\"_ _3d\"> </span><span class=\"ls84 wsdf\">-2<span class=\"_ _8\"></span>36<span class=\"_ _3d\"> </span><span class=\"ls109 ws16b\">-<span class=\"_ _8\"></span>828</span></span></span><span style=\"display:inherit;clear:left;\">Net<span class=\"_ _1\"></span>to utl\u00e5n pr<span class=\"_ _0\"></span>. 31/12<span class=\"_ _1\"></span>-2<span class=\"_ _1\"></span>022 vur<span class=\"_ _1\"></span>dert til amortisert </span><span style=\"display:inherit;clear:left;\">kos<span class=\"_ _1\"></span>t eller virkelig v<span class=\"_ _1\"></span>er<span class=\"_ _1\"></span>di o<span class=\"_ _1\"></span>v<span class=\"_ _1\"></span>er OCI<span class=\"_ _1d5\"> </span>83 4<span class=\"_ _2\"></span>14<span class=\"_ _83\"> </span>8 214<span class=\"_ _6b\"> </span></span><span style=\"display:inherit;clear:left;\">446<span class=\"_ _93\"> </span></span><span style=\"display:inherit;clear:left;\">9<span class=\"_ _38\"></span>2<span class=\"_ _a\"></span> 0<span class=\"_ _8\"></span>74<span class=\"_ _e7\"> </span><span class=\"ls132 ws1de\">387<span class=\"_ _94\"> </span><span class=\"lsf6 ws158\">92<span class=\"_ _8\"></span> 460</span></span></span><span style=\"display:inherit;clear:left;\">Utl\u00e5n vur<span class=\"_ _1\"></span>dert til virkelig v<span class=\"_ _1\"></span>er<span class=\"_ _1\"></span>di<span class=\"_ _22f\"> </span><span class=\"ff4 ls6 ws6\">4<span class=\"_ _8\"></span> 7<span class=\"_ _8\"></span>97</span></span><span style=\"display:inherit;clear:left;\">Balansef<span class=\"_ _1\"></span>\u00f8rt<span class=\"_ _1\"></span>e utl\u00e5n pr<span class=\"_ _0\"></span>. 31/12-<span class=\"_ _1\"></span>20<span class=\"_ _1\"></span>22<span class=\"_ _230\"> </span><span class=\"ls61 wsb5\">97<span class=\"_ _8\"></span> 2<span class=\"_ _8\"></span>5<span class=\"_ _8\"></span>8</span></span><span style=\"display:inherit;clear:left;\">No<span class=\"_ _1\"></span>te 13 N<span class=\"_ _1\"></span>edskr<span class=\"_ _8\"></span>ivn<span class=\"_ _8\"></span>ing p\u00e5 u<span class=\"_ _1\"></span>tl\u00e5n, garantie<span class=\"_ _1\"></span>r<span class=\"_ _2\"></span>, ubenyt<span class=\"_ _8\"></span>tede kreditter sam<span class=\"_ _1\"></span>t l\u00e5ne<span class=\"_ _1\"></span>tilsagn</span><span style=\"display:inherit;clear:left;\">T<span class=\"_ _0\"></span>abellen nedenf<span class=\"_ _1\"></span>or forklar<span class=\"_ _1\"></span>er endring i f<span class=\"_ _1\"></span>orv<span class=\"_ _1\"></span>ent<span class=\"_ _1\"></span>e<span class=\"_ _1\"></span>t tap (tapsa<span class=\"_ _1\"></span>vse<span class=\"_ _1\"></span>tning) fr<span class=\"_ _1\"></span>a inng\u00e5ende balanse til utg<span class=\"_ _1\"></span>\u00e5ende balanse. Prinsipper f<span class=\"_ _1\"></span>or </span><span style=\"display:inherit;clear:left;\">klassifikasjon innen s<span class=\"_ _1\"></span>teg og m\u00e5ling a<span class=\"_ _1\"></span>v f<span class=\"_ _1\"></span>orv<span class=\"_ _1\"></span>ent<span class=\"_ _1\"></span>e<span class=\"_ _1\"></span>t tap fr<span class=\"_ _1\"></span>emkommer a<span class=\"_ _1\"></span>v no<span class=\"_ _1\"></span>te 11. </span><span style=\"display:inherit;clear:left;\">Kons<span class=\"_ _1\"></span>ta<span class=\"_ _1\"></span>tering a<span class=\"_ _2\"></span>v tapsnedskrivning (bokf\u00f8ring mot k<span class=\"_ _1\"></span>undens engasjemen<span class=\"_ _1\"></span>t) skal f<span class=\"_ _1\"></span>or<span class=\"_ _1\"></span>etas n\u00e5r alle sikk<span class=\"_ _1\"></span>erhe<span class=\"_ _1\"></span>ter er r<span class=\"_ _1\"></span>ealisert og det er </span><span style=\"display:inherit;clear:left;\">utvilsomt a<span class=\"_ _2\"></span>t banken ikke f<span class=\"_ _1\"></span>\u00e5r \ufb02er<span class=\"_ _1\"></span>e innbetaling<span class=\"_ _1\"></span>er p\u00e5 engasjemen<span class=\"_ _1\"></span>te<span class=\"_ _1\"></span>t. Kr<span class=\"_ _1\"></span>a<span class=\"_ _1\"></span>v<span class=\"_ _1\"></span>et mo<span class=\"_ _1\"></span>t kunden bes<span class=\"_ _1\"></span>t\u00e5r og skal f<span class=\"_ _1\"></span>\u00f8lges opp<span class=\"_ _1\"></span>, med mindr<span class=\"_ _1\"></span>e de<span class=\"_ _1\"></span>t er </span><span style=\"display:inherit;clear:left;\">inng\u00e5<span class=\"_ _1\"></span>tt a<span class=\"_ _2\"></span>vtale om etter<span class=\"_ _1\"></span>giv<span class=\"_ _1\"></span>else med kunden.</span><span style=\"display:inherit;clear:left;\">Nedskrivning p\u00e5 gar<span class=\"_ _1\"></span>antier<span class=\"_ _0\"></span>, ubenyt<span class=\"_ _1\"></span>tede kr<span class=\"_ _1\"></span>edit<span class=\"_ _1\"></span>ter og l\u00e5ne<span class=\"_ _1\"></span>tilsagn om<span class=\"_ _1\"></span>fa<span class=\"_ _2\"></span>tter o<span class=\"_ _1\"></span>ff<span class=\"_ _1\"></span>-balance post<span class=\"_ _1\"></span>er og f<span class=\"_ _1\"></span>\u00f8r<span class=\"_ _1\"></span>es som gjeldsf<span class=\"_ _1\"></span>orplikt<span class=\"_ _1\"></span>else i </span><span style=\"display:inherit;clear:left;\">regnsk<span class=\"_ _1\"></span>apet.</span><span style=\"display:inherit;clear:left;\">K<span class=\"_ _1\"></span>ONSERN</span><span style=\"display:inherit;clear:left;\"> Sum modell- </span><span style=\"display:inherit;clear:left;\">Individuelt </span><span style=\"display:inherit;clear:left;\">Periodens be<span class=\"_ _1\"></span>v<span class=\"_ _1\"></span>eg<span class=\"_ _1\"></span>else p\u00e5 nedskrivning e<span class=\"_ _1\"></span>tter </span><span style=\"display:inherit;clear:left;\">Modellber<span class=\"_ _1\"></span>egnet</span><span style=\"display:inherit;clear:left;\">ber<span class=\"_ _1\"></span>egnet tap</span><span style=\"display:inherit;clear:left;\">vur<span class=\"_ _1\"></span>dert<span class=\"_ _a2\"> </span><span class=\"ls140 ws1ee\">To<span class=\"_ _a\"></span>t<span class=\"_ _38\"></span>a<span class=\"_ _a\"></span>l</span></span><span style=\"display:inherit;clear:left;\">IFRS 9 p\u00e5 utl\u00e5n, gar<span class=\"_ _1\"></span>antier<span class=\"_ _0\"></span>, ubenytt<span class=\"_ _1\"></span>ede kr<span class=\"_ _1\"></span>edit<span class=\"_ _1\"></span>-</span><span style=\"display:inherit;clear:left;\">ter og l\u00e5ne<span class=\"_ _1\"></span>tilsagn</span><span style=\"display:inherit;clear:left;\">Steg<span class=\"_ _8\"></span> 1<span class=\"_ _cc\"> </span>Ste<span class=\"_ _8\"></span>g 2<span class=\"_ _a3\"> </span>Ste<span class=\"_ _8\"></span>g 3<span class=\"_ _1e5\"> </span>Ste<span class=\"_ _8\"></span>g 3</span><span style=\"display:inherit;clear:left;\">T<span class=\"_ _0\"></span>apsavse<span class=\"_ _1\"></span>tning inng\u00e5<span class=\"_ _1\"></span>ende balanse<span class=\"_ _16a\"> </span></span><span style=\"display:inherit;clear:left;\">199<span class=\"_ _5d\"> </span></span><span style=\"display:inherit;clear:left;\">336<span class=\"_ _189\"> </span></span><span style=\"display:inherit;clear:left;\">20<span class=\"_ _8\"></span>5<span class=\"_ _15\"> </span></span><span style=\"display:inherit;clear:left;\">739<span class=\"_ _118\"> </span><span class=\"ls61 wsb5\">237<span class=\"_ _118\"> </span>976</span></span><span style=\"display:inherit;clear:left;\">Overf<span class=\"_ _1\"></span>\u00f8rt til 12 mnd ECL (s<span class=\"_ _1\"></span>teg 1)<span class=\"_ _194\"> </span></span><span style=\"display:inherit;clear:left;\">92<span class=\"_ _14\"> </span></span><span style=\"display:inherit;clear:left;\">-83<span class=\"_ _78\"> </span><span class=\"ls82 ws14b\">-9<span class=\"_ _43\"> </span></span></span><span style=\"display:inherit;clear:left;\">0<span class=\"_ _43\"> </span>0<span class=\"_ _21e\"> </span>0</span><span style=\"display:inherit;clear:left;\">Overf<span class=\"_ _1\"></span>\u00f8rt til lev<span class=\"_ _1\"></span>e<span class=\"_ _1\"></span>tid ECL \u2013 ikk<span class=\"_ _1\"></span>e objektiv<span class=\"_ _1\"></span>e bevis p\u00e5 </span><span style=\"display:inherit;clear:left;\">tap (st<span class=\"_ _1\"></span>eg 2)<span class=\"_ _231\"> </span></span><span style=\"display:inherit;clear:left;\">-21<span class=\"_ _8d\"> </span><span class=\"ls120 ws1cb\">34<span class=\"_ _78\"> </span></span></span><span style=\"display:inherit;clear:left;\">-6<span class=\"_ _10d\"> </span>7<span class=\"_ _110\"> </span><span class=\"ls134 ws1e1\">-7<span class=\"_ _10d\"> </span></span>0</span><span style=\"display:inherit;clear:left;\">Overf<span class=\"_ _1\"></span>\u00f8rt til lev<span class=\"_ _1\"></span>e<span class=\"_ _1\"></span>tid ECL \u2013 objektiv<span class=\"_ _1\"></span>e be<span class=\"_ _1\"></span>vis p\u00e5 tap </span><span style=\"display:inherit;clear:left;\">(st<span class=\"_ _1\"></span>eg 3) \u2013 Modellberegne<span class=\"_ _1\"></span>t<span class=\"_ _232\"> </span></span><span style=\"display:inherit;clear:left;\">-1<span class=\"_ _98\"> </span></span><span style=\"display:inherit;clear:left;\">-26<span class=\"_ _14\"> </span><span class=\"ls12c ws1d6\">30<span class=\"_ _c8\"> </span></span></span><span style=\"display:inherit;clear:left;\">3<span class=\"_ _6a\"> </span><span class=\"ls84 wsdf\">-3<span class=\"_ _21e\"> </span></span>0</span><span style=\"display:inherit;clear:left;\">Overf<span class=\"_ _1\"></span>\u00f8rt til lev<span class=\"_ _1\"></span>e<span class=\"_ _1\"></span>tid ECL \u2013 objektiv<span class=\"_ _1\"></span>e be<span class=\"_ _1\"></span>vis p\u00e5 tap </span><span style=\"display:inherit;clear:left;\">(st<span class=\"_ _1\"></span>eg 3) \u2013 Individuelt vurdert<span class=\"_ _233\"> </span>0<span class=\"_ _78\"> </span></span><span style=\"display:inherit;clear:left;\">-1<span class=\"_ _a\"></span>2<span class=\"_ _16\"> </span></span><span style=\"display:inherit;clear:left;\">-9<span class=\"_ _10c\"> </span><span class=\"ls84 wsdf\">-2<span class=\"_ _8\"></span>1<span class=\"_ _84\"> </span></span></span><span style=\"display:inherit;clear:left;\">21<span class=\"_ _43\"> </span>0</span><span style=\"display:inherit;clear:left;\">Net<span class=\"_ _1\"></span>to n<span class=\"_ _1\"></span>y m\u00e5ling a<span class=\"_ _1\"></span>v tap<span class=\"_ _14c\"> </span><span class=\"ls6 ws6\">-12<span class=\"_ _10\"> </span></span>19<span class=\"_ _98\"> </span></span><span style=\"display:inherit;clear:left;\">72<span class=\"_ _b6\"> </span></span><span style=\"display:inherit;clear:left;\">80<span class=\"_ _13\"> </span><span class=\"ls126 ws1d0\">191<span class=\"_ _9c\"> </span><span class=\"ls4a ws9d\">270</span></span></span><span style=\"display:inherit;clear:left;\">Nye ut<span class=\"_ _1\"></span>st<span class=\"_ _1\"></span>edte eller kj\u00f8p<span class=\"_ _1\"></span>te finansielle eiendeler<span class=\"_ _117\"> </span></span><span style=\"display:inherit;clear:left;\">1<span class=\"_ _8\"></span>58<span class=\"_ _21a\"> </span><span class=\"ls31 ws81\">59<span class=\"_ _8d\"> </span></span>31<span class=\"_ _20e\"> </span><span class=\"ls4a ws9d\">24<span class=\"_ _8\"></span>8<span class=\"_ _84\"> </span></span></span><span style=\"display:inherit;clear:left;\">19<span class=\"_ _15\"> </span><span class=\"ls125 ws1cf\">266</span></span><span style=\"display:inherit;clear:left;\">Finansielle eiendeler som har blitt fr<span class=\"_ _1\"></span>ar<span class=\"_ _1\"></span>egnet<span class=\"_ _b1\"> </span><span class=\"ls82 ws14b\">-96<span class=\"_ _18\"> </span><span class=\"ls134 ws1e1\">-7<span class=\"_ _8\"></span>9<span class=\"_ _5d\"> </span><span class=\"ls31 ws81\">-<span class=\"_ _8\"></span>59<span class=\"_ _96\"> </span><span class=\"ls84 wsdf\">-234<span class=\"_ _95\"> </span><span class=\"ls138 ws1e5\">-<span class=\"_ _8\"></span>252<span class=\"_ _66\"> </span></span></span></span></span>-486</span></span><span style=\"display:inherit;clear:left;\">V<span class=\"_ _2\"></span>aluta og andre bev<span class=\"_ _1\"></span>eg<span class=\"_ _1\"></span>elser<span class=\"_ _1ce\"> </span>0<span class=\"_ _4a\"> </span>0<span class=\"_ _8b\"> </span>0<span class=\"_ _43\"> </span>0<span class=\"_ _69\"> </span>1<span class=\"_ _67\"> </span>1</span><span style=\"display:inherit;clear:left;\">T<span class=\"_ _2\"></span>apsa<span class=\"_ _1\"></span>v<span class=\"_ _1\"></span>setning pr<span class=\"_ _0\"></span>. 31/12<span class=\"_ _1\"></span>-2<span class=\"_ _1\"></span>02<span class=\"_ _1\"></span>3<span class=\"_ _218\"> </span></span><span style=\"display:inherit;clear:left;\">319<span class=\"_ _93\"> </span></span><span style=\"display:inherit;clear:left;\">2<span class=\"_ _8\"></span>47<span class=\"_ _86\"> </span></span><span style=\"display:inherit;clear:left;\">255<span class=\"_ _df\"> </span></span><span style=\"display:inherit;clear:left;\">82<span class=\"_ _8\"></span>1<span class=\"_ _9d\"> </span><span class=\"lsf6 ws158\">206<span class=\"_ _91\"> </span>1 026</span></span><span style=\"display:inherit;clear:left;\">A<span class=\"_ _1\"></span>vse<span class=\"_ _1\"></span>tning p\u00e5 utl\u00e5n<span class=\"_ _f8\"> </span></span><span style=\"display:inherit;clear:left;\">244<span class=\"_ _93\"> </span><span class=\"ls125 ws1cf\">208<span class=\"_ _65\"> </span>2<span class=\"_ _8\"></span>20<span class=\"_ _118\"> </span><span class=\"ls137 ws1e4\">672<span class=\"_ _15\"> </span></span>205<span class=\"_ _118\"> </span><span class=\"ls132 ws1de\">87<span class=\"_ _8\"></span>8</span></span></span><span style=\"display:inherit;clear:left;\">A<span class=\"_ _1\"></span>vse<span class=\"_ _1\"></span>tning p\u00e5 gar<span class=\"_ _1\"></span>an<span class=\"_ _1\"></span>tier<span class=\"_ _0\"></span>, ubenytte<span class=\"_ _1\"></span>t kr<span class=\"_ _1\"></span>editt sam<span class=\"_ _1\"></span>t </span><span style=\"display:inherit;clear:left;\">l\u00e5netilsagn<span class=\"_ _136\"> </span></span><span style=\"display:inherit;clear:left;\">75<span class=\"_ _3e\"> </span></span><span style=\"display:inherit;clear:left;\">39<span class=\"_ _14\"> </span><span class=\"ls9 ws9\">35<span class=\"_ _df\"> </span></span></span><span style=\"display:inherit;clear:left;\">148<span class=\"_ _21e\"> </span>0<span class=\"_ _df\"> </span><span class=\"ls13d ws1eb\">1<span class=\"_ _8\"></span>49</span></span><span style=\"display:inherit;clear:left;\">Sum tapsa<span class=\"_ _1\"></span>v<span class=\"_ _1\"></span>setning<span class=\"_ _21c\"> </span></span><span style=\"display:inherit;clear:left;\">319<span class=\"_ _5d\"> </span></span><span style=\"display:inherit;clear:left;\">2<span class=\"_ _8\"></span>47<span class=\"_ _6f\"> </span></span><span style=\"display:inherit;clear:left;\">255<span class=\"_ _df\"> </span></span><span style=\"display:inherit;clear:left;\">82<span class=\"_ _8\"></span>1<span class=\"_ _226\"> </span><span class=\"lsf6 ws158\">20<span class=\"_ _8\"></span>6<span class=\"_ _75\"> </span>1<span class=\"_ _8\"></span> 026</span></span><span style=\"display:inherit;clear:left;\">Periodens tapsk<span class=\"_ _1\"></span>os<span class=\"_ _1\"></span>tnad:</span><span style=\"display:inherit;clear:left;\">Periodens endring<span class=\"_ _1\"></span>er individuelle nedskrivning<span class=\"_ _1\"></span>er<span class=\"_ _234\"> </span><span class=\"ls84 wsdf\">-31</span></span><span style=\"display:inherit;clear:left;\">V<span class=\"_ _2\"></span>aluta og andre bev<span class=\"_ _1\"></span>eg<span class=\"_ _1\"></span>elser<span class=\"_ _235\"> </span>1</span><span style=\"display:inherit;clear:left;\">Kons<span class=\"_ _1\"></span>ta<span class=\"_ _1\"></span>tert tap i perioden med tidlig<span class=\"_ _1\"></span>er<span class=\"_ _1\"></span>e individuell nedskrivning<span class=\"_ _1c9\"> </span>18</span><span style=\"display:inherit;clear:left;\">Kons<span class=\"_ _1\"></span>ta<span class=\"_ _1\"></span>tert tap i perioden ut<span class=\"_ _1\"></span>en tidliger<span class=\"_ _1\"></span>e individuell nedskrivning<span class=\"_ _1ba\"> </span><span class=\"ls12c ws1d6\">36</span></span><span style=\"display:inherit;clear:left;\">Inngang p\u00e5 tidliger<span class=\"_ _1\"></span>e k<span class=\"_ _1\"></span>onsta<span class=\"_ _2\"></span>terte nedskrivninger<span class=\"_ _236\"> </span><span class=\"ls6 ws6\">-1<span class=\"_ _8\"></span>1</span></span><span style=\"display:inherit;clear:left;\">Net<span class=\"_ _1\"></span>to r<span class=\"_ _1\"></span>esulta<span class=\"_ _1\"></span>t<span class=\"_ _1\"></span>ef<span class=\"_ _1\"></span>f<span class=\"_ _1\"></span>ekt individuelle nedskrivninger<span class=\"_ _237\"> </span>13</span><span style=\"display:inherit;clear:left;\">Periodens endring i modellber<span class=\"_ _1\"></span>egne<span class=\"_ _1\"></span>t tap (s<span class=\"_ _1\"></span>teg 1-<span class=\"_ _1\"></span>3)<span class=\"_ _238\"> </span><span class=\"ls138 ws1e5\">82</span></span><span style=\"display:inherit;clear:left;\">Periodens tapsk<span class=\"_ _1\"></span>os<span class=\"_ _1\"></span>tnad<span class=\"_ _239\"> </span><span class=\"ls108 ws16a\">95</span></span><span style=\"display:inherit;clear:left;\">Brutt<span class=\"_ _1\"></span>o utl\u00e5n vurdert til amortisert kos<span class=\"_ _1\"></span>t pr<span class=\"_ _0\"></span>. </span><span style=\"display:inherit;clear:left;\">31/12<span class=\"_ _1\"></span>-<span class=\"_ _1\"></span>20<span class=\"_ _1\"></span>23<span class=\"_ _20a\"> </span>22<span class=\"_ _1\"></span>0 50<span class=\"_ _1\"></span>3<span class=\"_ _db\"> </span>14 636<span class=\"_ _107\"> </span></span><span style=\"display:inherit;clear:left;\">940<span class=\"_ _107\"> </span></span><span style=\"display:inherit;clear:left;\">2<span class=\"_ _8\"></span>3<span class=\"_ _8\"></span>6<span class=\"_ _8\"></span> 07<span class=\"_ _8\"></span>9<span class=\"_ _9d\"> </span><span class=\"ls13d ws1eb\">494<span class=\"_ _9b\"> </span><span class=\"ls137 ws1e4\">2<span class=\"_ _8\"></span>3<span class=\"_ _8\"></span>6<span class=\"_ _8\"></span> 572</span></span></span><span style=\"display:inherit;clear:left;\">T<span class=\"_ _0\"></span>apsnedskriving<span class=\"_ _da\"> </span></span><span style=\"display:inherit;clear:left;\">-24<span class=\"_ _8\"></span>4<span class=\"_ _86\"> </span><span class=\"ls125 ws1cf\">-208<span class=\"_ _87\"> </span>-2<span class=\"_ _8\"></span>20<span class=\"_ _4a\"> </span><span class=\"ls137 ws1e4\">-<span class=\"_ _8\"></span>672<span class=\"_ _3d\"> </span></span>-205<span class=\"_ _a1\"> </span><span class=\"ls132 ws1de\">-<span class=\"_ _8\"></span>878</span></span></span><span style=\"display:inherit;clear:left;\">Net<span class=\"_ _1\"></span>to utl\u00e5n vur<span class=\"_ _1\"></span>dert til amortisert kos<span class=\"_ _1\"></span>t i </span><span style=\"display:inherit;clear:left;\">balansen<span class=\"_ _23a\"> </span>220 2<span class=\"_ _1\"></span>5<span class=\"_ _1\"></span>9<span class=\"_ _c7\"> </span>14 428<span class=\"_ _86\"> </span></span><span style=\"display:inherit;clear:left;\">720<span class=\"_ _85\"> </span></span><span style=\"display:inherit;clear:left;\">2<span class=\"_ _8\"></span>3<span class=\"_ _8\"></span>5<span class=\"_ _a\"></span> 4<span class=\"_ _8\"></span>07<span class=\"_ _9c\"> </span><span class=\"ls109 ws16b\">28<span class=\"_ _8\"></span>8<span class=\"_ _85\"> </span><span class=\"ls138 ws1e5\">23<span class=\"_ _8\"></span>5<span class=\"_ _8\"></span> 695</span></span></span><span style=\"display:inherit;clear:left;\">Utl\u00e5n vurdert til virk<span class=\"_ _1\"></span>elig v<span class=\"_ _1\"></span>erdi o<span class=\"_ _1\"></span>v<span class=\"_ _1\"></span>er r<span class=\"_ _1\"></span>esulta<span class=\"_ _1\"></span>t<span class=\"_ _237\"> </span><span class=\"ls6 ws6\">2<span class=\"_ _8\"></span>0<span class=\"_ _8\"></span> 072</span></span><span style=\"display:inherit;clear:left;\">Balansef<span class=\"_ _1\"></span>\u00f8rt<span class=\"_ _1\"></span>e utl\u00e5n pr<span class=\"_ _0\"></span>. 31/12-<span class=\"_ _1\"></span>20<span class=\"_ _1\"></span>23<span class=\"_ _186\"> </span><span class=\"ls4a ws9d\">25<span class=\"_ _8\"></span>5<span class=\"_ _8\"></span> 767</span></span><span style=\"display:inherit;clear:left;\">Sensitivite<span class=\"_ _1\"></span>t i modell-ber<span class=\"_ _1\"></span>egnede nedskriving<span class=\"_ _1\"></span>er:<span class=\"_ _142\"> </span>BM<span class=\"_ _117\"> </span>PM<span class=\"_ _78\"> </span>T<span class=\"_ _0\"></span>otalt</span><span style=\"display:inherit;clear:left;\">Endring i forv<span class=\"_ _1\"></span>en<span class=\"_ _1\"></span>te<span class=\"_ _1\"></span>t tap v<span class=\"_ _1\"></span>ed 100 % v<span class=\"_ _1\"></span>ekting a<span class=\"_ _1\"></span>v nega<span class=\"_ _1\"></span>tivt scenario<span class=\"_ _23b\"> </span>713<span class=\"_ _15\"> </span><span class=\"ls31 ws81\">3<span class=\"_ _8\"></span>57<span class=\"_ _3d\"> </span></span>1 0<span class=\"_ _1\"></span>71</span><span style=\"display:inherit;clear:left;\">Endring i forv<span class=\"_ _1\"></span>en<span class=\"_ _1\"></span>te<span class=\"_ _1\"></span>t tap v<span class=\"_ _1\"></span>ed 100 % v<span class=\"_ _1\"></span>ekting a<span class=\"_ _1\"></span>v positivt scenario<span class=\"_ _17d\"> </span></span><span style=\"display:inherit;clear:left;\">-356<span class=\"_ _226\"> </span><span class=\"ls6 ws6\">-1<span class=\"_ _8\"></span>24<span class=\"_ _66\"> </span><span class=\"ls82 ws14b\">-4<span class=\"_ _8\"></span>80</span></span></span><span style=\"display:inherit;clear:left;\">Endring i forv<span class=\"_ _1\"></span>en<span class=\"_ _1\"></span>te<span class=\"_ _1\"></span>t tap v<span class=\"_ _1\"></span>ed str<span class=\"_ _1\"></span>es<span class=\"_ _1\"></span>s (R\u00e5<span class=\"_ _1\"></span>-PD-er </span><span style=\"display:inherit;clear:left;\">\u00f8ker med 2<span class=\"_ _1\"></span>0 % og sikkerhe<span class=\"_ _1\"></span>t<span class=\"_ _1\"></span>er f<span class=\"_ _1\"></span>aller med 20 %)<span class=\"_ _153\"> </span><span class=\"ls140 ws1ee\">1<span class=\"_ _38\"></span>74<span class=\"_ _b6\"> </span></span>48<span class=\"_ _97\"> </span>222</span><span style=\"display:inherit;clear:left;\">Endring i forv<span class=\"_ _1\"></span>en<span class=\"_ _1\"></span>te<span class=\"_ _1\"></span>t tap dersom L<span class=\"_ _2\"></span>GD reduser<span class=\"_ _1\"></span>es med 10 %<span class=\"_ _148\"> </span></span><span style=\"display:inherit;clear:left;\">-85<span class=\"_ _e7\"> </span><span class=\"ls125 ws1cf\">-20<span class=\"_ _a2\"> </span><span class=\"ls6 ws6\">-1<span class=\"_ _8\"></span>0<span class=\"_ _8\"></span>5</span></span></span><span style=\"display:inherit;clear:left;\">Endring i forv<span class=\"_ _1\"></span>en<span class=\"_ _1\"></span>te<span class=\"_ _1\"></span>t tap dersom L<span class=\"_ _2\"></span>GD \u00f8ker med 10 %<span class=\"_ _143\"> </span></span><span style=\"display:inherit;clear:left;\">85<span class=\"_ _20d\"> </span><span class=\"ls125 ws1cf\">20<span class=\"_ _25\"> </span><span class=\"ls133 ws1e0\">105</span></span></span><span style=\"display:inherit;clear:left;\">Utl\u00e5n som er kons<span class=\"_ _1\"></span>ta<span class=\"_ _1\"></span>tert tap<span class=\"_ _1\"></span>t, men som fortsa<span class=\"_ _2\"></span>tt er gjenstand f<span class=\"_ _1\"></span>or oppf<span class=\"_ _1\"></span>\u00f8lging utgj\u00f8r to<span class=\"_ _1\"></span>talt  143 millioner kr<span class=\"_ _1\"></span>oner per 31. desember 2<span class=\"_ _1\"></span>0<span class=\"_ _1\"></span>23 </span><span style=\"display:inherit;clear:left;\">og  139 millioner kr<span class=\"_ _1\"></span>oner per 3<span class=\"_ _1\"></span>1. desember 20<span class=\"_ _1\"></span>22.</span><span style=\"display:inherit;clear:left;\">MORBANK</span><span style=\"display:inherit;clear:left;\"> Sum modell- </span><span style=\"display:inherit;clear:left;\">Individuelt </span><span style=\"display:inherit;clear:left;\">Periodens be<span class=\"_ _1\"></span>v<span class=\"_ _1\"></span>eg<span class=\"_ _1\"></span>else p\u00e5 nedskrivning e<span class=\"_ _1\"></span>tter </span><span style=\"display:inherit;clear:left;\">Modellber<span class=\"_ _1\"></span>egnet</span><span style=\"display:inherit;clear:left;\">ber<span class=\"_ _1\"></span>egnet tap</span><span style=\"display:inherit;clear:left;\">vur<span class=\"_ _1\"></span>dert<span class=\"_ _a2\"> </span><span class=\"ls140 ws1ee\">To<span class=\"_ _a\"></span>t<span class=\"_ _38\"></span>a<span class=\"_ _a\"></span>l</span></span><span style=\"display:inherit;clear:left;\">IFRS9 p\u00e5 utl\u00e5n, gar<span class=\"_ _1\"></span>an<span class=\"_ _1\"></span>tier<span class=\"_ _2\"></span>, uben<span class=\"_ _1\"></span>ytte<span class=\"_ _1\"></span>de kr<span class=\"_ _1\"></span>editt<span class=\"_ _1\"></span>er </span><span style=\"display:inherit;clear:left;\">og l\u00e5netilsagn</span><span style=\"display:inherit;clear:left;\">Steg<span class=\"_ _8\"></span> 1<span class=\"_ _cc\"> </span>Ste<span class=\"_ _8\"></span>g 2<span class=\"_ _a3\"> </span>Ste<span class=\"_ _8\"></span>g 3<span class=\"_ _1e5\"> </span>Ste<span class=\"_ _8\"></span>g 3</span><span style=\"display:inherit;clear:left;\">T<span class=\"_ _0\"></span>apsavse<span class=\"_ _1\"></span>tning inng\u00e5<span class=\"_ _1\"></span>ende balanse<span class=\"_ _129\"> </span></span><span style=\"display:inherit;clear:left;\">190<span class=\"_ _74\"> </span></span><span style=\"display:inherit;clear:left;\">303<span class=\"_ _93\"> </span></span><span style=\"display:inherit;clear:left;\">194<span class=\"_ _15\"> </span></span><span style=\"display:inherit;clear:left;\">6<span class=\"_ _8\"></span>87<span class=\"_ _9c\"> </span><span class=\"ls61 wsb5\">2<span class=\"_ _8\"></span>37<span class=\"_ _15\"> </span><span class=\"ls12c ws1d6\">923</span></span></span><span style=\"display:inherit;clear:left;\">Overf<span class=\"_ _1\"></span>\u00f8rt til 12 mnd ECL (s<span class=\"_ _1\"></span>teg 1)<span class=\"_ _23c\"> </span><span class=\"ls82 ws14b\">81<span class=\"_ _18\"> </span><span class=\"ls134 ws1e1\">-7<span class=\"_ _a\"></span>2<span class=\"_ _92\"> </span></span>-9<span class=\"_ _43\"> </span></span>0<span class=\"_ _21e\"> </span>0<span class=\"_ _43\"> </span>0</span><span style=\"display:inherit;clear:left;\">Overf<span class=\"_ _1\"></span>\u00f8rt til lev<span class=\"_ _1\"></span>e<span class=\"_ _1\"></span>tid ECL \u2013 ikk<span class=\"_ _1\"></span>e objektiv<span class=\"_ _1\"></span>e bevis p\u00e5 </span><span style=\"display:inherit;clear:left;\">tap (st<span class=\"_ _1\"></span>eg 2)<span class=\"_ _23d\"> </span></span><span style=\"display:inherit;clear:left;\">-20<span class=\"_ _75\"> </span>32<span class=\"_ _9a\"> </span><span class=\"ls120 ws1cb\">-5<span class=\"_ _10d\"> </span></span></span><span style=\"display:inherit;clear:left;\">7<span class=\"_ _110\"> </span><span class=\"ls134 ws1e1\">-7<span class=\"_ _10d\"> </span></span>0</span><span style=\"display:inherit;clear:left;\">Overf<span class=\"_ _1\"></span>\u00f8rt til lev<span class=\"_ _1\"></span>e<span class=\"_ _1\"></span>tid ECL \u2013 objektiv<span class=\"_ _1\"></span>e be<span class=\"_ _1\"></span>vis p\u00e5 tap </span><span style=\"display:inherit;clear:left;\">(st<span class=\"_ _1\"></span>eg 3) \u2013 Modellberegne<span class=\"_ _1\"></span>t<span class=\"_ _210\"> </span>0<span class=\"_ _14\"> </span></span><span style=\"display:inherit;clear:left;\">-25<span class=\"_ _21a\"> </span><span class=\"ls125 ws1cf\">29<span class=\"_ _10d\"> </span></span></span><span style=\"display:inherit;clear:left;\">3<span class=\"_ _6a\"> </span><span class=\"ls84 wsdf\">-3<span class=\"_ _21e\"> </span></span>0</span><span style=\"display:inherit;clear:left;\">Overf<span class=\"_ _1\"></span>\u00f8rt til lev<span class=\"_ _1\"></span>e<span class=\"_ _1\"></span>tid ECL \u2013 objektiv<span class=\"_ _1\"></span>e be<span class=\"_ _1\"></span>vis p\u00e5 tap </span><span style=\"display:inherit;clear:left;\">(st<span class=\"_ _1\"></span>eg 3) \u2013 Individuelt vurdert<span class=\"_ _127\"> </span>0<span class=\"_ _16\"> </span><span class=\"ls6 ws6\">-1<span class=\"_ _8\"></span>2<span class=\"_ _10\"> </span></span>-8<span class=\"_ _10c\"> </span><span class=\"ls84 wsdf\">-21<span class=\"_ _6a\"> </span></span>21<span class=\"_ _21e\"> </span>0</span><span style=\"display:inherit;clear:left;\">Net<span class=\"_ _1\"></span>to n<span class=\"_ _1\"></span>y m\u00e5ling a<span class=\"_ _1\"></span>v tap<span class=\"_ _23e\"> </span><span class=\"ls6 ws6\">-1<span class=\"_ _8\"></span>8<span class=\"_ _10\"> </span></span>-6<span class=\"_ _3e\"> </span></span><span style=\"display:inherit;clear:left;\">47<span class=\"_ _49\"> </span></span><span style=\"display:inherit;clear:left;\">23<span class=\"_ _13\"> </span><span class=\"ls126 ws1d0\">191<span class=\"_ _df\"> </span></span></span><span style=\"display:inherit;clear:left;\">214</span><span style=\"display:inherit;clear:left;\">Nye ut<span class=\"_ _1\"></span>st<span class=\"_ _1\"></span>edte eller kj\u00f8p<span class=\"_ _1\"></span>te finansielle eiendeler<span class=\"_ _20e\"> </span></span><span style=\"display:inherit;clear:left;\">1<span class=\"_ _8\"></span>49<span class=\"_ _75\"> </span></span><span style=\"display:inherit;clear:left;\">57<span class=\"_ _3e\"> </span></span><span style=\"display:inherit;clear:left;\">38<span class=\"_ _9d\"> </span><span class=\"ls4a ws9d\">24<span class=\"_ _8\"></span>4<span class=\"_ _23f\"> </span></span></span><span style=\"display:inherit;clear:left;\">19<span class=\"_ _15\"> </span><span class=\"ls125 ws1cf\">263</span></span><span style=\"display:inherit;clear:left;\">Finansielle eiendeler som har blitt fr<span class=\"_ _1\"></span>ar<span class=\"_ _1\"></span>egnet<span class=\"_ _b6\"> </span></span><span style=\"display:inherit;clear:left;\">-94<span class=\"_ _11\"> </span></span><span style=\"display:inherit;clear:left;\">-7<span class=\"_ _8\"></span>0<span class=\"_ _11\"> </span><span class=\"ls120 ws1cb\">-53<span class=\"_ _a2\"> </span></span></span><span style=\"display:inherit;clear:left;\">-218</span><span style=\"display:inherit;clear:left;\"><span class=\"_ _3d\"> </span><span class=\"ls138 ws1e5\">-<span class=\"_ _8\"></span>252<span class=\"_ _3d\"> </span><span class=\"ls13e ws1ec\">-<span class=\"_ _8\"></span>47<span class=\"_ _8\"></span>0</span></span></span><span style=\"display:inherit;clear:left;\">V<span class=\"_ _2\"></span>aluta og andre bev<span class=\"_ _1\"></span>eg<span class=\"_ _1\"></span>elser<span class=\"_ _176\"> </span>0<span class=\"_ _4a\"> </span>0<span class=\"_ _4a\"> </span>0<span class=\"_ _43\"> </span>0<span class=\"_ _69\"> </span>1<span class=\"_ _67\"> </span>1</span><span style=\"display:inherit;clear:left;\">T<span class=\"_ _2\"></span>apsa<span class=\"_ _1\"></span>v<span class=\"_ _1\"></span>setning pr<span class=\"_ _0\"></span>. 31/12<span class=\"_ _1\"></span>-2<span class=\"_ _1\"></span>02<span class=\"_ _1\"></span>3<span class=\"_ _240\"> </span></span><span style=\"display:inherit;clear:left;\">287<span class=\"_ _5d\"> </span><span class=\"lsf6 ws158\">205<span class=\"_ _5d\"> </span><span class=\"ls133 ws1e0\">233<span class=\"_ _15\"> </span><span class=\"ls14f ws200\">72<span class=\"_ _8\"></span>5<span class=\"_ _9d\"> </span></span></span>20<span class=\"_ _8\"></span>6<span class=\"_ _9d\"> </span><span class=\"ls135 ws1e2\">930</span></span></span><span style=\"display:inherit;clear:left;\">A<span class=\"_ _1\"></span>vse<span class=\"_ _1\"></span>tning p\u00e5 utl\u00e5n<span class=\"_ _195\"> </span>214<span class=\"_ _12\"> </span></span><span style=\"display:inherit;clear:left;\">1<span class=\"_ _8\"></span>67<span class=\"_ _12\"> </span></span><span style=\"display:inherit;clear:left;\">1<span class=\"_ _8\"></span>98<span class=\"_ _9c\"> </span></span><span style=\"display:inherit;clear:left;\">579<span class=\"_ _15\"> </span><span class=\"ls125 ws1cf\">205<span class=\"_ _15\"> </span><span class=\"ls61 wsb5\">78<span class=\"_ _8\"></span>4</span></span></span><span style=\"display:inherit;clear:left;\">A<span class=\"_ _1\"></span>vse<span class=\"_ _1\"></span>tning p\u00e5 gar<span class=\"_ _1\"></span>an<span class=\"_ _1\"></span>tier<span class=\"_ _0\"></span>, ubenytte<span class=\"_ _1\"></span>t kr<span class=\"_ _1\"></span>editt sam<span class=\"_ _1\"></span>t </span><span style=\"display:inherit;clear:left;\">l\u00e5netilsagn<span class=\"_ _33\"> </span></span><span style=\"display:inherit;clear:left;\">73<span class=\"_ _75\"> </span></span><span style=\"display:inherit;clear:left;\">38<span class=\"_ _3e\"> </span></span><span style=\"display:inherit;clear:left;\">35<span class=\"_ _118\"> </span><span class=\"ls133 ws1e0\">1<span class=\"_ _8\"></span>46<span class=\"_ _21e\"> </span></span></span><span style=\"display:inherit;clear:left;\">0<span class=\"_ _df\"> </span><span class=\"ls133 ws1e0\">146</span></span><span style=\"display:inherit;clear:left;\">Sum tapsa<span class=\"_ _1\"></span>v<span class=\"_ _1\"></span>setning<span class=\"_ _30\"> </span></span><span style=\"display:inherit;clear:left;\">287<span class=\"_ _74\"> </span><span class=\"lsf6 ws158\">20<span class=\"_ _8\"></span>5<span class=\"_ _5d\"> </span><span class=\"ls133 ws1e0\">233<span class=\"_ _15\"> </span><span class=\"ls14f ws200\">72<span class=\"_ _8\"></span>5<span class=\"_ _9d\"> </span></span></span>20<span class=\"_ _8\"></span>6<span class=\"_ _9d\"> </span><span class=\"ls135 ws1e2\">930</span></span></span><span style=\"display:inherit;clear:left;\">Periodens tapsk<span class=\"_ _1\"></span>os<span class=\"_ _1\"></span>tnad:</span><span style=\"display:inherit;clear:left;\">Periodens endring<span class=\"_ _1\"></span>er individuelle nedskrivning<span class=\"_ _1\"></span>er<span class=\"_ _234\"> </span><span class=\"ls84 wsdf\">-31</span></span><span style=\"display:inherit;clear:left;\">V<span class=\"_ _2\"></span>aluta og andre bev<span class=\"_ _1\"></span>eg<span class=\"_ _1\"></span>elser<span class=\"_ _235\"> </span>1</span><span style=\"display:inherit;clear:left;\">Kons<span class=\"_ _1\"></span>ta<span class=\"_ _1\"></span>tert tap i perioden med tidlig<span class=\"_ _1\"></span>er<span class=\"_ _1\"></span>e individuell nedskrivning<span class=\"_ _1c9\"> </span>18</span><span style=\"display:inherit;clear:left;\">Kons<span class=\"_ _1\"></span>ta<span class=\"_ _1\"></span>tert tap i perioden ut<span class=\"_ _1\"></span>en tidliger<span class=\"_ _1\"></span>e individuell nedskrivning<span class=\"_ _1ba\"> </span><span class=\"ls9 ws9\">33</span></span><span style=\"display:inherit;clear:left;\">Inngang p\u00e5 tidliger<span class=\"_ _1\"></span>e k<span class=\"_ _1\"></span>onsta<span class=\"_ _2\"></span>terte nedskrivninger<span class=\"_ _164\"> </span><span class=\"ls6 ws6\">-1<span class=\"_ _8\"></span>0</span></span><span style=\"display:inherit;clear:left;\">Net<span class=\"_ _1\"></span>to r<span class=\"_ _1\"></span>esulta<span class=\"_ _1\"></span>t<span class=\"_ _1\"></span>ef<span class=\"_ _1\"></span>f<span class=\"_ _1\"></span>ekt individuelle nedskrivninger<span class=\"_ _241\"> </span>11</span><span style=\"display:inherit;clear:left;\">Periodens endring i modellber<span class=\"_ _1\"></span>egne<span class=\"_ _1\"></span>t tap (s<span class=\"_ _1\"></span>teg 1-<span class=\"_ _1\"></span>3)<span class=\"_ _238\"> </span><span class=\"ls139 ws1e6\">38</span></span><span style=\"display:inherit;clear:left;\">Periodens tapsk<span class=\"_ _1\"></span>os<span class=\"_ _1\"></span>tnad<span class=\"_ _242\"> </span><span class=\"ls13 ws13\">49</span></span><span style=\"display:inherit;clear:left;\">Brutt<span class=\"_ _1\"></span>o utl\u00e5n vurdert til amortisert kos<span class=\"_ _1\"></span>t eller </span><span style=\"display:inherit;clear:left;\">virkelig v<span class=\"_ _1\"></span>er<span class=\"_ _1\"></span>di o<span class=\"_ _1\"></span>ver OCI pr<span class=\"_ _0\"></span>. 31/12<span class=\"_ _1\"></span>-2<span class=\"_ _1\"></span>0<span class=\"_ _1\"></span>23<span class=\"_ _243\"> </span><span class=\"ls82 ws14b\">98 094<span class=\"_ _cc\"> </span></span>11 009<span class=\"_ _86\"> </span><span class=\"ls138 ws1e5\">822<span class=\"_ _8e\"> </span></span>109 925<span class=\"_ _a2\"> </span><span class=\"ls13d ws1eb\">49<span class=\"_ _8\"></span>0<span class=\"_ _74\"> </span></span>110 4<span class=\"_ _1\"></span>15</span><span style=\"display:inherit;clear:left;\">T<span class=\"_ _0\"></span>apsnedskriving<span class=\"_ _7a\"> </span>-214<span class=\"_ _74\"> </span></span><span style=\"display:inherit;clear:left;\">-1<span class=\"_ _8\"></span>6<span class=\"_ _8\"></span>7<span class=\"_ _8e\"> </span>-1<span class=\"_ _8\"></span>9<span class=\"_ _8\"></span>8<span class=\"_ _a1\"> </span></span><span style=\"display:inherit;clear:left;\">-<span class=\"_ _8\"></span>579<span class=\"_ _3d\"> </span><span class=\"ls125 ws1cf\">-205<span class=\"_ _4a\"> </span><span class=\"ls134 ws1e1\">-7<span class=\"_ _8\"></span>8<span class=\"_ _a\"></span>4</span></span></span><span style=\"display:inherit;clear:left;\">Nett<span class=\"_ _8\"></span>o<span class=\"_ _244\"> </span><span class=\"ls0 ws0\">9<span class=\"_ _1\"></span>7 88<span class=\"_ _1\"></span>0<span class=\"_ _c7\"> </span>10 843<span class=\"_ _189\"> </span><span class=\"ls4a ws9d\">6<span class=\"_ _8\"></span>24<span class=\"_ _189\"> </span></span>109 34<span class=\"_ _2\"></span>7<span class=\"_ _15\"> </span><span class=\"ls109 ws16b\">285<span class=\"_ _6e\"> </span></span>109 631</span></span><span style=\"display:inherit;clear:left;\">Utl\u00e5n vurdert til virk<span class=\"_ _1\"></span>elig v<span class=\"_ _1\"></span>erdi o<span class=\"_ _1\"></span>v<span class=\"_ _1\"></span>er r<span class=\"_ _1\"></span>esulta<span class=\"_ _1\"></span>t<span class=\"_ _245\"> </span><span class=\"ls31 ws81\">4 59<span class=\"_ _8\"></span>1</span></span><span style=\"display:inherit;clear:left;\">Balansef<span class=\"_ _1\"></span>\u00f8rt<span class=\"_ _1\"></span>e utl\u00e5n pr<span class=\"_ _0\"></span>. 31/12-<span class=\"_ _1\"></span>20<span class=\"_ _1\"></span>23<span class=\"_ _229\"> </span>114 222</span><span style=\"display:inherit;clear:left;\">Utl\u00e5n som er kons<span class=\"_ _1\"></span>ta<span class=\"_ _1\"></span>tert tap<span class=\"_ _1\"></span>t, men som fortsa<span class=\"_ _2\"></span>tt er gjenstand f<span class=\"_ _1\"></span>or oppf<span class=\"_ _1\"></span>\u00f8lging utgj\u00f8r to<span class=\"_ _1\"></span>talt  111 millioner kr<span class=\"_ _1\"></span>oner per 31. desember 2<span class=\"_ _1\"></span>0<span class=\"_ _1\"></span>23 </span><span style=\"display:inherit;clear:left;\">og 108 millioner kr<span class=\"_ _1\"></span>oner per 31. desember 2<span class=\"_ _1\"></span>0<span class=\"_ _1\"></span>22.</span><span style=\"display:inherit;clear:left;\">K<span class=\"_ _1\"></span>ONSERN</span><span style=\"display:inherit;clear:left;\"> Sum modell- </span><span style=\"display:inherit;clear:left;\">Individuelt </span><span style=\"display:inherit;clear:left;\">Periodens be<span class=\"_ _1\"></span>v<span class=\"_ _1\"></span>eg<span class=\"_ _1\"></span>else p\u00e5 nedskrivning e<span class=\"_ _1\"></span>tter </span><span style=\"display:inherit;clear:left;\">Modellber<span class=\"_ _1\"></span>egnet</span><span style=\"display:inherit;clear:left;\">ber<span class=\"_ _1\"></span>egnet tap</span><span style=\"display:inherit;clear:left;\">vur<span class=\"_ _1\"></span>dert<span class=\"_ _a2\"> </span><span class=\"ls140 ws1ee\">To<span class=\"_ _a\"></span>t<span class=\"_ _38\"></span>a<span class=\"_ _a\"></span>l</span></span><span style=\"display:inherit;clear:left;\">IFRS 9 p\u00e5 utl\u00e5n, gar<span class=\"_ _1\"></span>antier<span class=\"_ _0\"></span>, ubenytt<span class=\"_ _1\"></span>ede kr<span class=\"_ _1\"></span>edit<span class=\"_ _1\"></span>-</span><span style=\"display:inherit;clear:left;\">ter og l\u00e5ne<span class=\"_ _1\"></span>tilsagn</span><span style=\"display:inherit;clear:left;\">Steg<span class=\"_ _8\"></span> 1<span class=\"_ _cc\"> </span>Ste<span class=\"_ _8\"></span>g 2<span class=\"_ _a3\"> </span>Ste<span class=\"_ _8\"></span>g 3<span class=\"_ _1e5\"> </span>Ste<span class=\"_ _8\"></span>g 3</span><span style=\"display:inherit;clear:left;\">T<span class=\"_ _0\"></span>apsavse<span class=\"_ _1\"></span>tning inng\u00e5<span class=\"_ _1\"></span>ende balanse <span class=\"_ _1d5\"> </span></span><span style=\"display:inherit;clear:left;\">169<span class=\"_ _ba\"> </span><span class=\"ls62 wsb6\">34<span class=\"_ _8\"></span>4<span class=\"_ _72\"> </span></span></span><span style=\"display:inherit;clear:left;\"><span class=\"ff1\">212<span class=\"_ _15\"> </span><span class=\"ls14f ws200\">72<span class=\"_ _8\"></span>5<span class=\"_ _df\"> </span></span>221<span class=\"_ _226\"> </span><span class=\"ls13b ws1e8\">946</span></span></span><span style=\"display:inherit;clear:left;\">Overf<span class=\"_ _1\"></span>\u00f8rt til 12 mnd ECL (s<span class=\"_ _1\"></span>teg 1)<span class=\"_ _16c\"> </span></span><span style=\"display:inherit;clear:left;\">80<span class=\"_ _14\"> </span></span><span style=\"display:inherit;clear:left;\">-59<span class=\"_ _8b\"> </span><span class=\"ls120 ws1cb\">-4<span class=\"_ _23f\"> </span></span></span><span style=\"display:inherit;clear:left;\">17<span class=\"_ _63\"> </span><span class=\"ls6 ws6\">-1<span class=\"_ _a\"></span>7<span class=\"_ _c8\"> </span></span>0</span><span style=\"display:inherit;clear:left;\">Overf<span class=\"_ _1\"></span>\u00f8rt til lev<span class=\"_ _1\"></span>e<span class=\"_ _1\"></span>tid ECL \u2013 ikk<span class=\"_ _1\"></span>e objektiv<span class=\"_ _1\"></span>e bevis p\u00e5 </span><span style=\"display:inherit;clear:left;\">tap (st<span class=\"_ _1\"></span>eg 2)<span class=\"_ _197\"> </span><span class=\"ls6 ws6\">-1<span class=\"_ _8\"></span>9<span class=\"_ _75\"> </span></span>63<span class=\"_ _1b\"> </span><span class=\"ls120 ws1cb\">-44<span class=\"_ _43\"> </span></span>0<span class=\"_ _21e\"> </span>0<span class=\"_ _43\"> </span>0</span><span style=\"display:inherit;clear:left;\">Overf<span class=\"_ _1\"></span>\u00f8rt til lev<span class=\"_ _1\"></span>e<span class=\"_ _1\"></span>tid ECL \u2013 objektiv<span class=\"_ _1\"></span>e be<span class=\"_ _1\"></span>vis p\u00e5 tap </span><span style=\"display:inherit;clear:left;\">(st<span class=\"_ _1\"></span>eg 3) \u2013 Modellberegne<span class=\"_ _1\"></span>t<span class=\"_ _21f\"> </span><span class=\"ls6 ws6\">-1<span class=\"_ _16\"> </span>-1<span class=\"_ _a\"></span>6<span class=\"_ _10\"> </span></span>21<span class=\"_ _21e\"> </span>4<span class=\"_ _88\"> </span><span class=\"ls120 ws1cb\">-4<span class=\"_ _21e\"> </span></span>0</span><span style=\"display:inherit;clear:left;\">Overf<span class=\"_ _1\"></span>\u00f8rt til lev<span class=\"_ _1\"></span>e<span class=\"_ _1\"></span>tid ECL \u2013 objektiv<span class=\"_ _1\"></span>e be<span class=\"_ _1\"></span>vis p\u00e5 tap </span><span style=\"display:inherit;clear:left;\">(st<span class=\"_ _1\"></span>eg 3) \u2013 Individuelt vurdert<span class=\"_ _127\"> </span>0<span class=\"_ _10\"> </span><span class=\"ls84 wsdf\">-3<span class=\"_ _10\"> </span>-3<span class=\"_ _84\"> </span></span>-6<span class=\"_ _c8\"> </span>6<span class=\"_ _21e\"> </span>0</span><span style=\"display:inherit;clear:left;\">Net<span class=\"_ _1\"></span>to n<span class=\"_ _1\"></span>y m\u00e5ling a<span class=\"_ _1\"></span>v tap<span class=\"_ _246\"> </span></span><span style=\"display:inherit;clear:left;\">-69<span class=\"_ _10\"> </span></span><span style=\"display:inherit;clear:left;\">81<span class=\"_ _21a\"> </span><span class=\"ls126 ws1d0\">58<span class=\"_ _23f\"> </span></span></span><span style=\"display:inherit;clear:left;\">71</span><span style=\"display:inherit;clear:left;\"><span class=\"_ _20d\"> </span><span class=\"ls120 ws1cb\">60<span class=\"_ _13\"> </span><span class=\"ls126 ws1d0\">1<span class=\"_ _8\"></span>31</span></span></span><span style=\"display:inherit;clear:left;\">Nye ut<span class=\"_ _1\"></span>st<span class=\"_ _1\"></span>edte eller kj\u00f8p<span class=\"_ _1\"></span>te finansielle eiendeler<span class=\"_ _e7\"> </span>117<span class=\"_ _8d\"> </span></span><span style=\"display:inherit;clear:left;\">55<span class=\"_ _3e\"> </span><span class=\"ls125 ws1cf\">26<span class=\"_ _99\"> </span><span class=\"ls6 ws6\">1<span class=\"_ _a\"></span>97<span class=\"_ _116\"> </span></span>26<span class=\"_ _15\"> </span><span class=\"ls21 ws175\">2<span class=\"_ _8\"></span>23</span></span></span><span style=\"display:inherit;clear:left;\">Finansielle eiendeler som har blitt fr<span class=\"_ _1\"></span>ar<span class=\"_ _1\"></span>egnet<span class=\"_ _110\"> </span></span><span style=\"display:inherit;clear:left;\">-81<span class=\"_ _94\"> </span></span><span style=\"display:inherit;clear:left;\">-1<span class=\"_ _8\"></span>2<span class=\"_ _8\"></span>9<span class=\"_ _98\"> </span></span><span style=\"display:inherit;clear:left;\">-62<span class=\"_ _4a\"> </span></span><span style=\"display:inherit;clear:left;\">-<span class=\"_ _8\"></span>272<span class=\"_ _25\"> </span><span class=\"ls120 ws1cb\">-<span class=\"_ _8\"></span>60<span class=\"_ _3d\"> </span><span class=\"ls9 ws9\">-333</span></span></span><span style=\"display:inherit;clear:left;\">V<span class=\"_ _2\"></span>aluta og andre bev<span class=\"_ _1\"></span>eg<span class=\"_ _1\"></span>elser<span class=\"_ _247\"> </span>4<span class=\"_ _4a\"> </span>0<span class=\"_ _4a\"> </span>0<span class=\"_ _21e\"> </span>4<span class=\"_ _c8\"> </span>6<span class=\"_ _43\"> </span>9</span><span style=\"display:inherit;clear:left;\">T<span class=\"_ _2\"></span>apsa<span class=\"_ _1\"></span>v<span class=\"_ _1\"></span>setning pr<span class=\"_ _0\"></span>. 31/12<span class=\"_ _1\"></span>-2<span class=\"_ _1\"></span>022<span class=\"_ _240\"> </span></span><span style=\"display:inherit;clear:left;\">1<span class=\"_ _8\"></span>99<span class=\"_ _74\"> </span></span><span style=\"display:inherit;clear:left;\">3<span class=\"_ _8\"></span>36<span class=\"_ _74\"> </span></span><span style=\"display:inherit;clear:left;\">205<span class=\"_ _9c\"> </span></span><span style=\"display:inherit;clear:left;\">739<span class=\"_ _9c\"> </span><span class=\"ls61 wsb5\">2<span class=\"_ _8\"></span>37<span class=\"_ _9c\"> </span>976</span></span><span style=\"display:inherit;clear:left;\">A<span class=\"_ _1\"></span>vse<span class=\"_ _1\"></span>tning p\u00e5 utl\u00e5n<span class=\"_ _32\"> </span>163<span class=\"_ _1b\"> </span></span><span style=\"display:inherit;clear:left;\">279<span class=\"_ _14\"> </span><span class=\"ls125 ws1cf\">201<span class=\"_ _a2\"> </span></span></span><span style=\"display:inherit;clear:left;\">644</span><span style=\"display:inherit;clear:left;\"><span class=\"_ _15\"> </span><span class=\"ls12c ws1d6\">236<span class=\"_ _9d\"> </span><span class=\"ls82 ws14b\">8<span class=\"_ _8\"></span>80</span></span></span><span style=\"display:inherit;clear:left;\">A<span class=\"_ _1\"></span>vse<span class=\"_ _1\"></span>tning p\u00e5 gar<span class=\"_ _1\"></span>an<span class=\"_ _1\"></span>tier<span class=\"_ _0\"></span>, ubenytte<span class=\"_ _1\"></span>t kr<span class=\"_ _1\"></span>editt sam<span class=\"_ _1\"></span>t </span><span style=\"display:inherit;clear:left;\">l\u00e5netilsagn<span class=\"_ _231\"> </span></span><span style=\"display:inherit;clear:left;\">35<span class=\"_ _8d\"> </span><span class=\"ls82 ws14b\">56<span class=\"_ _4a\"> </span></span></span><span style=\"display:inherit;clear:left;\">4<span class=\"_ _b6\"> </span><span class=\"ls133 ws1e0\">95<span class=\"_ _21e\"> </span></span>0<span class=\"_ _48\"> </span>96</span><span style=\"display:inherit;clear:left;\">Sum tapsa<span class=\"_ _1\"></span>v<span class=\"_ _1\"></span>setning<span class=\"_ _18e\"> </span></span><span style=\"display:inherit;clear:left;\">199<span class=\"_ _5d\"> </span></span><span style=\"display:inherit;clear:left;\">336<span class=\"_ _74\"> </span></span><span style=\"display:inherit;clear:left;\">205<span class=\"_ _9c\"> </span></span><span style=\"display:inherit;clear:left;\">739<span class=\"_ _9c\"> </span><span class=\"ls61 wsb5\">2<span class=\"_ _8\"></span>37<span class=\"_ _9c\"> </span>97<span class=\"_ _8\"></span>6</span></span><span style=\"display:inherit;clear:left;\">Periodens tapsk<span class=\"_ _1\"></span>os<span class=\"_ _1\"></span>tnad:</span><span style=\"display:inherit;clear:left;\">Periodens endring<span class=\"_ _1\"></span>er individuelle nedskrivning<span class=\"_ _1\"></span>er<span class=\"_ _248\"> </span>16</span><span style=\"display:inherit;clear:left;\">V<span class=\"_ _2\"></span>aluta og andre bev<span class=\"_ _1\"></span>eg<span class=\"_ _1\"></span>elser<span class=\"_ _249\"> </span>-6</span><span style=\"display:inherit;clear:left;\">Kons<span class=\"_ _1\"></span>ta<span class=\"_ _1\"></span>tert tap i perioden med tidlig<span class=\"_ _1\"></span>er<span class=\"_ _1\"></span>e individuell nedskrivning<span class=\"_ _1c9\"> </span>18</span><span style=\"display:inherit;clear:left;\">Kons<span class=\"_ _1\"></span>ta<span class=\"_ _1\"></span>tert tap i perioden ut<span class=\"_ _1\"></span>en tidliger<span class=\"_ _1\"></span>e individuell nedskrivning<span class=\"_ _139\"> </span><span class=\"ls120 ws1cb\">34</span></span><span style=\"display:inherit;clear:left;\">Inngang p\u00e5 tidliger<span class=\"_ _1\"></span>e k<span class=\"_ _1\"></span>onsta<span class=\"_ _2\"></span>terte nedskrivninger<span class=\"_ _24a\"> </span><span class=\"ls125 ws1cf\">-20</span></span><span style=\"display:inherit;clear:left;\">Net<span class=\"_ _1\"></span>to r<span class=\"_ _1\"></span>esulta<span class=\"_ _1\"></span>t<span class=\"_ _1\"></span>ef<span class=\"_ _1\"></span>f<span class=\"_ _1\"></span>ekt individuelle nedskrivninger<span class=\"_ _234\"> </span><span class=\"ls8 ws8\">42</span></span><span style=\"display:inherit;clear:left;\">Periodens endring i modellber<span class=\"_ _1\"></span>egne<span class=\"_ _1\"></span>t tap (s<span class=\"_ _1\"></span>teg 1-<span class=\"_ _1\"></span>3)<span class=\"_ _24b\"> </span>11</span><span style=\"display:inherit;clear:left;\">Periodens tapsk<span class=\"_ _1\"></span>os<span class=\"_ _1\"></span>tnad<span class=\"_ _24c\"> </span><span class=\"ls8 ws8\">52</span></span><span style=\"display:inherit;clear:left;\">Brutt<span class=\"_ _1\"></span>o utl\u00e5n vurdert til amortisert kos<span class=\"_ _1\"></span>t pr<span class=\"_ _0\"></span>. </span><span style=\"display:inherit;clear:left;\">31/12<span class=\"_ _1\"></span>-<span class=\"_ _1\"></span>20<span class=\"_ _1\"></span>22<span class=\"_ _148\"> </span>189 12<span class=\"_ _2\"></span>4<span class=\"_ _d4\"> </span>12 010<span class=\"_ _6f\"> </span><span class=\"ls4a ws9d\">7<span class=\"_ _8\"></span>76<span class=\"_ _108\"> </span><span class=\"ls126 ws1d0\">201 91<span class=\"_ _8\"></span>0<span class=\"_ _20e\"> </span></span>6<span class=\"_ _8\"></span>24<span class=\"_ _83\"> </span><span class=\"ls125 ws1cf\">202 5<span class=\"_ _8\"></span>34</span></span></span><span style=\"display:inherit;clear:left;\">T<span class=\"_ _0\"></span>apsnedskriving<span class=\"_ _71\"> </span>-<span class=\"_ _1\"></span>163<span class=\"_ _6f\"> </span></span><span style=\"display:inherit;clear:left;\">-279<span class=\"_ _9b\"> </span><span class=\"ls125 ws1cf\">-201<span class=\"_ _10\"> </span></span></span><span style=\"display:inherit;clear:left;\">-644<span class=\"_ _95\"> </span><span class=\"ls84 wsdf\">-236<span class=\"_ _96\"> </span></span>-880</span><span style=\"display:inherit;clear:left;\">Net<span class=\"_ _1\"></span>to utl\u00e5n vur<span class=\"_ _1\"></span>dert til amortisert kos<span class=\"_ _1\"></span>t i bal-</span><span style=\"display:inherit;clear:left;\">ansen<span class=\"_ _1c8\"> </span>188 961<span class=\"_ _87\"> </span>11 7<span class=\"_ _1\"></span>31<span class=\"_ _6f\"> </span></span><span style=\"display:inherit;clear:left;\">575<span class=\"_ _86\"> </span></span><span style=\"display:inherit;clear:left;\">201 267<span class=\"_ _118\"> </span><span class=\"ls132 ws1de\">3<span class=\"_ _8\"></span>87<span class=\"_ _9b\"> </span></span></span><span style=\"display:inherit;clear:left;\">201 65<span class=\"_ _1\"></span>4</span><span style=\"display:inherit;clear:left;\">Utl\u00e5n vurdert til virk<span class=\"_ _1\"></span>elig v<span class=\"_ _1\"></span>erdi o<span class=\"_ _1\"></span>v<span class=\"_ _1\"></span>er r<span class=\"_ _1\"></span>esulta<span class=\"_ _1\"></span>t<span class=\"_ _24d\"> </span>22 840</span><span style=\"display:inherit;clear:left;\">Balansef<span class=\"_ _1\"></span>\u00f8rt<span class=\"_ _1\"></span>e utl\u00e5n pr<span class=\"_ _0\"></span>. 31/12-<span class=\"_ _1\"></span>20<span class=\"_ _1\"></span>22<span class=\"_ _1f6\"> </span>22<span class=\"_ _1\"></span>4 4<span class=\"_ _1\"></span>9<span class=\"_ _1\"></span>4</span><span style=\"display:inherit;clear:left;\">Sensitivite<span class=\"_ _1\"></span>t i modell-beregnede ne<span class=\"_ _1\"></span>dskrivinger:<span class=\"_ _24e\"> </span><span class=\"ff1\">BM<span class=\"_ _117\"> </span>PM<span class=\"_ _78\"> </span>T<span class=\"_ _2\"></span>o<span class=\"_ _1\"></span>talt</span></span><span style=\"display:inherit;clear:left;\">Endring i forv<span class=\"_ _1\"></span>en<span class=\"_ _1\"></span>te<span class=\"_ _1\"></span>t tap v<span class=\"_ _1\"></span>ed 100 % v<span class=\"_ _1\"></span>ekting a<span class=\"_ _1\"></span>v nega<span class=\"_ _1\"></span>tivt scenario<span class=\"_ _23e\"> </span><span class=\"ls108 ws16a\">504<span class=\"_ _13\"> </span></span>117<span class=\"_ _25\"> </span><span class=\"lsf wsf\">62<span class=\"_ _8\"></span>1</span></span><span style=\"display:inherit;clear:left;\">Endring i forv<span class=\"_ _1\"></span>en<span class=\"_ _1\"></span>te<span class=\"_ _1\"></span>t tap v<span class=\"_ _1\"></span>ed 100 % v<span class=\"_ _1\"></span>ekting a<span class=\"_ _1\"></span>v positivt scenario<span class=\"_ _17d\"> </span></span><span style=\"display:inherit;clear:left;\">-302<span class=\"_ _117\"> </span><span class=\"ls134 ws1e1\">-7<span class=\"_ _8\"></span>0<span class=\"_ _a2\"> </span><span class=\"ls61 wsb5\">-<span class=\"_ _8\"></span>372</span></span></span><span style=\"display:inherit;clear:left;\">Endring i forv<span class=\"_ _1\"></span>en<span class=\"_ _1\"></span>te<span class=\"_ _1\"></span>t tap v<span class=\"_ _1\"></span>ed str<span class=\"_ _1\"></span>es<span class=\"_ _1\"></span>s (R\u00e5<span class=\"_ _1\"></span>-PD-er \u00f8ker med 2<span class=\"_ _1\"></span>0 % og sikkerhe<span class=\"_ _1\"></span>t<span class=\"_ _1\"></span>er  </span><span style=\"display:inherit;clear:left;\">f<span class=\"_ _1\"></span>aller med 20 %)<span class=\"_ _24f\"> </span></span><span style=\"display:inherit;clear:left;\">181<span class=\"_ _b6\"> </span><span class=\"ls125 ws1cf\">32<span class=\"_ _e7\"> </span></span></span><span style=\"display:inherit;clear:left;\">213</span><span style=\"display:inherit;clear:left;\">Endring i forv<span class=\"_ _1\"></span>en<span class=\"_ _1\"></span>te<span class=\"_ _1\"></span>t tap dersom L<span class=\"_ _2\"></span>GD reduser<span class=\"_ _1\"></span>es med 10 %<span class=\"_ _250\"> </span></span><span style=\"display:inherit;clear:left;\">-91<span class=\"_ _63\"> </span><span class=\"ls6 ws6\">-1<span class=\"_ _8\"></span>3<span class=\"_ _a2\"> </span>-1<span class=\"_ _8\"></span>0<span class=\"_ _8\"></span>4</span></span><span style=\"display:inherit;clear:left;\">Endring i forv<span class=\"_ _1\"></span>en<span class=\"_ _1\"></span>te<span class=\"_ _1\"></span>t tap dersom L<span class=\"_ _2\"></span>GD \u00f8ker med 10 %<span class=\"_ _251\"> </span><span class=\"ls126 ws1d0\">91<span class=\"_ _84\"> </span></span><span class=\"ls0\">13<span class=\"_ _9c\"> </span><span class=\"ls108 ws16a\">1<span class=\"_ _8\"></span>04</span></span></span><span style=\"display:inherit;clear:left;\">MORBANK</span><span style=\"display:inherit;clear:left;\"> Sum modell- </span><span style=\"display:inherit;clear:left;\">Individuelt </span><span style=\"display:inherit;clear:left;\">Periodens be<span class=\"_ _1\"></span>v<span class=\"_ _1\"></span>eg<span class=\"_ _1\"></span>else p\u00e5 nedskrivning  </span><span style=\"display:inherit;clear:left;\">Modellber<span class=\"_ _1\"></span>egnet</span><span style=\"display:inherit;clear:left;\">ber<span class=\"_ _1\"></span>egnet tap</span><span style=\"display:inherit;clear:left;\">vur<span class=\"_ _1\"></span>dert<span class=\"_ _a2\"> </span><span class=\"ls140 ws1ee\">To<span class=\"_ _a\"></span>t<span class=\"_ _38\"></span>a<span class=\"_ _a\"></span>l</span></span><span style=\"display:inherit;clear:left;\">et<span class=\"_ _1\"></span>ter IFRS9 p\u00e5 utl\u00e5n, g<span class=\"_ _1\"></span>ar<span class=\"_ _1\"></span>antier<span class=\"_ _0\"></span>, ubenytt<span class=\"_ _1\"></span>ede </span><span style=\"display:inherit;clear:left;\">kr<span class=\"_ _1\"></span>editt<span class=\"_ _1\"></span>er og l\u00e5ne<span class=\"_ _1\"></span>tilsagn</span><span style=\"display:inherit;clear:left;\">Steg<span class=\"_ _8\"></span> 1<span class=\"_ _cc\"> </span>Ste<span class=\"_ _8\"></span>g 2<span class=\"_ _a3\"> </span>Ste<span class=\"_ _8\"></span>g 3<span class=\"_ _1e5\"> </span>Ste<span class=\"_ _8\"></span>g 3</span><span style=\"display:inherit;clear:left;\">T<span class=\"_ _0\"></span>apsavse<span class=\"_ _1\"></span>tning inng\u00e5<span class=\"_ _1\"></span>ende balanse<span class=\"_ _227\"> </span><span class=\"ff1\">163<span class=\"_ _74\"> </span><span class=\"ls150 ws201\">320<span class=\"_ _72\"> </span><span class=\"lsf6 ws158\">201<span class=\"_ _20e\"> </span><span class=\"ls83 wsdd\">68<span class=\"_ _8\"></span>3<span class=\"_ _df\"> </span></span></span></span>221<span class=\"_ _a1\"> </span><span class=\"ls13b ws1e8\">9<span class=\"_ _8\"></span>04</span></span></span><span style=\"display:inherit;clear:left;\">Overf<span class=\"_ _1\"></span>\u00f8rt til 12 mnd ECL (s<span class=\"_ _1\"></span>teg 1)<span class=\"_ _252\"> </span></span><span style=\"display:inherit;clear:left;\">75<span class=\"_ _1a\"> </span></span><span style=\"display:inherit;clear:left;\">-54<span class=\"_ _10\"> </span><span class=\"ls84 wsdf\">-3<span class=\"_ _6a\"> </span></span></span><span style=\"display:inherit;clear:left;\">17<span class=\"_ _63\"> </span><span class=\"ls6 ws6\">-1<span class=\"_ _8\"></span>7<span class=\"_ _c8\"> </span></span>0</span><span style=\"display:inherit;clear:left;\">Overf<span class=\"_ _1\"></span>\u00f8rt til lev<span class=\"_ _1\"></span>e<span class=\"_ _1\"></span>tid ECL \u2013 ikk<span class=\"_ _1\"></span>e objektiv<span class=\"_ _1\"></span>e bevis p\u00e5 </span><span style=\"display:inherit;clear:left;\">tap (st<span class=\"_ _1\"></span>eg 2)<span class=\"_ _197\"> </span></span><span style=\"display:inherit;clear:left;\">-1<span class=\"_ _8\"></span>9<span class=\"_ _10\"> </span></span><span style=\"display:inherit;clear:left;\">61<span class=\"_ _12\"> </span><span class=\"ls8 ws8\">-42<span class=\"_ _43\"> </span></span></span><span style=\"display:inherit;clear:left;\">0<span class=\"_ _43\"> </span>0<span class=\"_ _43\"> </span>0</span><span style=\"display:inherit;clear:left;\">Overf<span class=\"_ _1\"></span>\u00f8rt til lev<span class=\"_ _1\"></span>e<span class=\"_ _1\"></span>tid ECL \u2013 objektiv<span class=\"_ _1\"></span>e be<span class=\"_ _1\"></span>vis p\u00e5 tap </span><span style=\"display:inherit;clear:left;\">(st<span class=\"_ _1\"></span>eg 3) \u2013 Modellberegne<span class=\"_ _1\"></span>t<span class=\"_ _21f\"> </span></span><span style=\"display:inherit;clear:left;\">-1<span class=\"_ _16\"> </span>-1<span class=\"_ _a\"></span>5<span class=\"_ _3e\"> </span><span class=\"ls125 ws1cf\">20<span class=\"_ _21e\"> </span></span></span><span style=\"display:inherit;clear:left;\">4<span class=\"_ _a0\"> </span><span class=\"ls120 ws1cb\">-4<span class=\"_ _21e\"> </span></span>0</span><span style=\"display:inherit;clear:left;\">Overf<span class=\"_ _1\"></span>\u00f8rt til lev<span class=\"_ _1\"></span>e<span class=\"_ _1\"></span>tid ECL \u2013 objektiv<span class=\"_ _1\"></span>e be<span class=\"_ _1\"></span>vis p\u00e5 tap </span><span style=\"display:inherit;clear:left;\">(st<span class=\"_ _1\"></span>eg 3) \u2013 Individuelt vurdert<span class=\"_ _127\"> </span>0<span class=\"_ _10\"> </span><span class=\"ls84 wsdf\">-3<span class=\"_ _10\"> </span>-3<span class=\"_ _84\"> </span></span>-6<span class=\"_ _c8\"> </span>6<span class=\"_ _21e\"> </span>0</span><span style=\"display:inherit;clear:left;\">Net<span class=\"_ _1\"></span>to n<span class=\"_ _1\"></span>y m\u00e5ling a<span class=\"_ _1\"></span>v tap<span class=\"_ _223\"> </span>-65<span class=\"_ _3e\"> </span></span><span style=\"display:inherit;clear:left;\">68<span class=\"_ _3e\"> </span></span><span style=\"display:inherit;clear:left;\">52<span class=\"_ _b6\"> </span></span><span style=\"display:inherit;clear:left;\">56<span class=\"_ _20d\"> </span><span class=\"ls120 ws1cb\">60<span class=\"_ _13\"> </span></span></span><span style=\"display:inherit;clear:left;\">116</span><span style=\"display:inherit;clear:left;\">Nye ut<span class=\"_ _1\"></span>st<span class=\"_ _1\"></span>edte eller kj\u00f8p<span class=\"_ _1\"></span>te finansielle eiendeler<span class=\"_ _e7\"> </span>113<span class=\"_ _16\"> </span></span><span style=\"display:inherit;clear:left;\">50<span class=\"_ _3e\"> </span><span class=\"ls125 ws1cf\">26<span class=\"_ _e7\"> </span><span class=\"ls135 ws1e2\">189<span class=\"_ _116\"> </span></span>26<span class=\"_ _25\"> </span></span></span><span style=\"display:inherit;clear:left;\">215</span><span style=\"display:inherit;clear:left;\">Finansielle eiendeler som har blitt fr<span class=\"_ _1\"></span>ar<span class=\"_ _1\"></span>egnet<span class=\"_ _b6\"> </span></span><span style=\"display:inherit;clear:left;\">-<span class=\"_ _8\"></span>80<span class=\"_ _94\"> </span><span class=\"ls6 ws6\">-1<span class=\"_ _8\"></span>24<span class=\"_ _14\"> </span></span>-56<span class=\"_ _96\"> </span><span class=\"ls125 ws1cf\">-26<span class=\"_ _8\"></span>0<span class=\"_ _25\"> </span><span class=\"ls120 ws1cb\">-60<span class=\"_ _3d\"> </span></span>-320</span></span><span style=\"display:inherit;clear:left;\">V<span class=\"_ _2\"></span>aluta og andre bev<span class=\"_ _1\"></span>eg<span class=\"_ _1\"></span>elser<span class=\"_ _247\"> </span>4<span class=\"_ _4a\"> </span>0<span class=\"_ _4a\"> </span>0<span class=\"_ _21e\"> </span>4<span class=\"_ _c8\"> </span>6<span class=\"_ _43\"> </span>9</span><span style=\"display:inherit;clear:left;\">T<span class=\"_ _2\"></span>apsa<span class=\"_ _1\"></span>v<span class=\"_ _1\"></span>setning pr<span class=\"_ _0\"></span>. 31/12<span class=\"_ _1\"></span>-2<span class=\"_ _1\"></span>022<span class=\"_ _24\"> </span>190<span class=\"_ _74\"> </span></span><span style=\"display:inherit;clear:left;\">303<span class=\"_ _1b\"> </span></span><span style=\"display:inherit;clear:left;\">194<span class=\"_ _15\"> </span></span><span style=\"display:inherit;clear:left;\">687<span class=\"_ _118\"> </span><span class=\"ls61 wsb5\">2<span class=\"_ _8\"></span>37<span class=\"_ _97\"> </span><span class=\"ls12c ws1d6\">923</span></span></span><span style=\"display:inherit;clear:left;\">A<span class=\"_ _1\"></span>vse<span class=\"_ _1\"></span>tning p\u00e5 utl\u00e5n<span class=\"_ _32\"> </span></span><span style=\"display:inherit;clear:left;\">155<span class=\"_ _74\"> </span></span><span style=\"display:inherit;clear:left;\">24<span class=\"_ _8\"></span>6<span class=\"_ _78\"> </span></span><span style=\"display:inherit;clear:left;\">191<span class=\"_ _15\"> </span></span><span style=\"display:inherit;clear:left;\">59<span class=\"_ _8\"></span>2<span class=\"_ _15\"> </span><span class=\"ls12c ws1d6\">236<span class=\"_ _9c\"> </span><span class=\"ls109 ws16b\">828</span></span></span><span style=\"display:inherit;clear:left;\">A<span class=\"_ _1\"></span>vse<span class=\"_ _1\"></span>tning p\u00e5 gar<span class=\"_ _1\"></span>an<span class=\"_ _1\"></span>tier<span class=\"_ _0\"></span>, ubenytte<span class=\"_ _1\"></span>t kr<span class=\"_ _1\"></span>editt sam<span class=\"_ _1\"></span>t </span><span style=\"display:inherit;clear:left;\">l\u00e5netilsagn<span class=\"_ _231\"> </span></span><span style=\"display:inherit;clear:left;\">35<span class=\"_ _8d\"> </span><span class=\"ls82 ws14b\">56<span class=\"_ _4a\"> </span></span></span><span style=\"display:inherit;clear:left;\">4<span class=\"_ _b6\"> </span><span class=\"ls133 ws1e0\">95<span class=\"_ _21e\"> </span></span>0<span class=\"_ _48\"> </span>96</span><span style=\"display:inherit;clear:left;\">Sum tapsa<span class=\"_ _1\"></span>v<span class=\"_ _1\"></span>setning<span class=\"_ _30\"> </span>190<span class=\"_ _74\"> </span></span><span style=\"display:inherit;clear:left;\">303<span class=\"_ _93\"> </span></span><span style=\"display:inherit;clear:left;\">1<span class=\"_ _8\"></span>94<span class=\"_ _15\"> </span></span><span style=\"display:inherit;clear:left;\">687<span class=\"_ _9c\"> </span><span class=\"ls61 wsb5\">2<span class=\"_ _8\"></span>37<span class=\"_ _15\"> </span><span class=\"ls12c ws1d6\">923</span></span></span><span style=\"display:inherit;clear:left;\">Periodens tapsk<span class=\"_ _1\"></span>os<span class=\"_ _1\"></span>tnad:</span><span style=\"display:inherit;clear:left;\">Periodens endring<span class=\"_ _1\"></span>er individuelle nedskrivning<span class=\"_ _1\"></span>er<span class=\"_ _248\"> </span>16</span><span style=\"display:inherit;clear:left;\">V<span class=\"_ _2\"></span>aluta og andre bev<span class=\"_ _1\"></span>eg<span class=\"_ _1\"></span>elser<span class=\"_ _249\"> </span>-6</span><span style=\"display:inherit;clear:left;\">Kons<span class=\"_ _1\"></span>ta<span class=\"_ _1\"></span>tert tap i perioden med tidlig<span class=\"_ _1\"></span>er<span class=\"_ _1\"></span>e individuell nedskrivning<span class=\"_ _1c9\"> </span>16</span><span style=\"display:inherit;clear:left;\">Kons<span class=\"_ _1\"></span>ta<span class=\"_ _1\"></span>tert tap i perioden ut<span class=\"_ _1\"></span>en tidliger<span class=\"_ _1\"></span>e individuell nedskrivning<span class=\"_ _1ba\"> </span><span class=\"ls125 ws1cf\">29</span></span><span style=\"display:inherit;clear:left;\">Inngang p\u00e5 tidliger<span class=\"_ _1\"></span>e k<span class=\"_ _1\"></span>onsta<span class=\"_ _2\"></span>terte nedskrivninger<span class=\"_ _253\"> </span><span class=\"ls6 ws6\">-1<span class=\"_ _8\"></span>9</span></span><span style=\"display:inherit;clear:left;\">Net<span class=\"_ _1\"></span>to r<span class=\"_ _1\"></span>esulta<span class=\"_ _1\"></span>t<span class=\"_ _1\"></span>ef<span class=\"_ _1\"></span>f<span class=\"_ _1\"></span>ekt individuelle nedskrivninger<span class=\"_ _254\"> </span><span class=\"ls12c ws1d6\">36</span></span><span style=\"display:inherit;clear:left;\">Periodens endring i modellber<span class=\"_ _1\"></span>egne<span class=\"_ _1\"></span>t tap (s<span class=\"_ _1\"></span>teg 1-<span class=\"_ _1\"></span>3)<span class=\"_ _234\"> </span>0</span><span style=\"display:inherit;clear:left;\">Periodens tapsk<span class=\"_ _1\"></span>os<span class=\"_ _1\"></span>tnad<span class=\"_ _239\"> </span><span class=\"ls135 ws1e2\">36</span></span><span style=\"display:inherit;clear:left;\">Brutt<span class=\"_ _1\"></span>o utl\u00e5n vurdert til amortisert kos<span class=\"_ _1\"></span>t eller </span><span style=\"display:inherit;clear:left;\">virkelig v<span class=\"_ _1\"></span>er<span class=\"_ _1\"></span>di o<span class=\"_ _1\"></span>ver OCI pr<span class=\"_ _0\"></span>. 31/12<span class=\"_ _1\"></span>-2<span class=\"_ _1\"></span>0<span class=\"_ _1\"></span>22<span class=\"_ _f9\"> </span></span><span style=\"display:inherit;clear:left;\">83 568<span class=\"_ _87\"> </span></span><span style=\"display:inherit;clear:left;\">8 46<span class=\"_ _8\"></span>1<span class=\"_ _65\"> </span><span class=\"ls12c ws1d6\">6<span class=\"_ _8\"></span>36<span class=\"_ _74\"> </span></span></span><span style=\"display:inherit;clear:left;\">92 665<span class=\"_ _97\"> </span><span class=\"ls21 ws175\">6<span class=\"_ _8\"></span>23<span class=\"_ _5d\"> </span></span>93 288</span><span style=\"display:inherit;clear:left;\">T<span class=\"_ _0\"></span>apsnedskriving<span class=\"_ _71\"> </span></span><span style=\"display:inherit;clear:left;\">-1<span class=\"_ _8\"></span>5<span class=\"_ _8\"></span>5<span class=\"_ _86\"> </span><span class=\"ls4a ws9d\">-<span class=\"_ _8\"></span>246<span class=\"_ _6e\"> </span></span>-1<span class=\"_ _a\"></span>9<span class=\"_ _8\"></span>1<span class=\"_ _95\"> </span></span><span style=\"display:inherit;clear:left;\">-<span class=\"_ _8\"></span>592<span class=\"_ _95\"> </span><span class=\"ls84 wsdf\">-236<span class=\"_ _95\"> </span><span class=\"ls109 ws16b\">-<span class=\"_ _8\"></span>828</span></span></span><span style=\"display:inherit;clear:left;\">Nett<span class=\"_ _8\"></span>o<span class=\"_ _255\"> </span></span><span style=\"display:inherit;clear:left;\">83 4<span class=\"_ _2\"></span>13<span class=\"_ _83\"> </span>8 214<span class=\"_ _6b\"> </span></span><span style=\"display:inherit;clear:left;\">445<span class=\"_ _1b\"> </span></span><span style=\"display:inherit;clear:left;\">9<span class=\"_ _8\"></span>2<span class=\"_ _8\"></span> 07<span class=\"_ _8\"></span>3<span class=\"_ _df\"> </span><span class=\"ls132 ws1de\">3<span class=\"_ _8\"></span>87<span class=\"_ _94\"> </span><span class=\"lsf6 ws158\">92<span class=\"_ _8\"></span> 460</span></span></span><span style=\"display:inherit;clear:left;\">Utl\u00e5n vurdert til virk<span class=\"_ _1\"></span>elig v<span class=\"_ _1\"></span>erdi o<span class=\"_ _1\"></span>v<span class=\"_ _1\"></span>er r<span class=\"_ _1\"></span>esulta<span class=\"_ _1\"></span>t<span class=\"_ _256\"> </span><span class=\"ls6 ws6\">4<span class=\"_ _8\"></span> 7<span class=\"_ _8\"></span>97</span></span><span style=\"display:inherit;clear:left;\">Balansef<span class=\"_ _1\"></span>\u00f8rt<span class=\"_ _1\"></span>e utl\u00e5n pr<span class=\"_ _0\"></span>. 31/12-<span class=\"_ _1\"></span>20<span class=\"_ _1\"></span>22<span class=\"_ _230\"> </span><span class=\"ls61 wsb5\">97<span class=\"_ _8\"></span> 2<span class=\"_ _8\"></span>5<span class=\"_ _8\"></span>8</span></span><span style=\"display:inherit;clear:left;\">No<span class=\"_ _1\"></span>te 1<span class=\"_ _1\"></span>4 Nedskriv<span class=\"_ _8\"></span>ing p\u00e5 u<span class=\"_ _1\"></span>tl\u00e5n, garantie<span class=\"_ _1\"></span>r<span class=\"_ _2\"></span>, ubenyt<span class=\"_ _8\"></span>ted<span class=\"_ _1\"></span>e k<span class=\"_ _8\"></span>reditte<span class=\"_ _1\"></span>r samt l<span class=\"_ _1\"></span>\u00e5netilsagn \u2013 segment</span><span style=\"display:inherit;clear:left;\">K<span class=\"_ _1\"></span>ONSERN</span><span style=\"display:inherit;clear:left;\"> Sum modell- </span><span style=\"display:inherit;clear:left;\">Individuelt </span><span style=\"display:inherit;clear:left;\">2023<span class=\"_ _1b7\"> </span><span class=\"ls0 ws0\">Modellber<span class=\"_ _1\"></span>egne<span class=\"_ _1\"></span>t</span></span><span style=\"display:inherit;clear:left;\">ber<span class=\"_ _1\"></span>egnet tap</span><span style=\"display:inherit;clear:left;\">vur<span class=\"_ _1\"></span>dert<span class=\"_ _a2\"> </span><span class=\"ls140 ws1ee\">To<span class=\"_ _a\"></span>t<span class=\"_ _38\"></span>a<span class=\"_ _a\"></span>l</span></span><span style=\"display:inherit;clear:left;\">BEDRIFTSMARKED<span class=\"_ _14c\"> </span><span class=\"ls125 ws1cf\">Ste<span class=\"_ _8\"></span>g 1<span class=\"_ _cc\"> </span>S<span class=\"_ _8\"></span>teg<span class=\"_ _8\"></span> 2<span class=\"_ _a8\"> </span>Ste<span class=\"_ _8\"></span>g 3<span class=\"_ _1e5\"> </span>Ste<span class=\"_ _8\"></span>g 3</span></span><span style=\"display:inherit;clear:left;\">T<span class=\"_ _0\"></span>apsavse<span class=\"_ _1\"></span>tning inng\u00e5<span class=\"_ _1\"></span>ende balanse<span class=\"_ _a6\"> </span></span><span style=\"display:inherit;clear:left;\">1<span class=\"_ _8\"></span>72<span class=\"_ _1b\"> </span><span class=\"ls12a ws1d4\">278<span class=\"_ _74\"> </span></span></span><span style=\"display:inherit;clear:left;\">177<span class=\"_ _9d\"> </span></span><span style=\"display:inherit;clear:left;\">628<span class=\"_ _15\"> </span><span class=\"ls8 ws8\">2<span class=\"_ _8\"></span>27<span class=\"_ _97\"> </span><span class=\"ls82 ws14b\">855</span></span></span><span style=\"display:inherit;clear:left;\">Overf<span class=\"_ _1\"></span>\u00f8rt til 12 mnd ECL (s<span class=\"_ _1\"></span>teg 1)<span class=\"_ _257\"> </span></span><span style=\"display:inherit;clear:left;\">73<span class=\"_ _14\"> </span><span class=\"ls120 ws1cb\">-66<span class=\"_ _78\"> </span></span></span><span style=\"display:inherit;clear:left;\">-8<span class=\"_ _21e\"> </span>0<span class=\"_ _43\"> </span>0<span class=\"_ _21e\"> </span>0</span><span style=\"display:inherit;clear:left;\">Overf<span class=\"_ _1\"></span>\u00f8rt til lev<span class=\"_ _1\"></span>e<span class=\"_ _1\"></span>tid ECL \u2013 ikk<span class=\"_ _1\"></span>e objektiv<span class=\"_ _1\"></span>e bevis p\u00e5 </span><span style=\"display:inherit;clear:left;\">tap (st<span class=\"_ _1\"></span>eg 2)<span class=\"_ _231\"> </span></span><span style=\"display:inherit;clear:left;\">-1<span class=\"_ _a\"></span>9<span class=\"_ _21a\"> </span></span><span style=\"display:inherit;clear:left;\">30<span class=\"_ _17\"> </span><span class=\"ls120 ws1cb\">-4<span class=\"_ _10d\"> </span></span></span><span style=\"display:inherit;clear:left;\">7<span class=\"_ _64\"> </span><span class=\"ls134 ws1e1\">-7<span class=\"_ _c8\"> </span></span>0</span><span style=\"display:inherit;clear:left;\">Overf<span class=\"_ _1\"></span>\u00f8rt til lev<span class=\"_ _1\"></span>e<span class=\"_ _1\"></span>tid ECL \u2013 objektiv<span class=\"_ _1\"></span>e be<span class=\"_ _1\"></span>vis p\u00e5 tap </span><span style=\"display:inherit;clear:left;\">(st<span class=\"_ _1\"></span>eg 3) \u2013 Modellberegne<span class=\"_ _1\"></span>t<span class=\"_ _223\"> </span>0<span class=\"_ _14\"> </span></span><span style=\"display:inherit;clear:left;\">-25<span class=\"_ _98\"> </span><span class=\"ls109 ws16b\">28<span class=\"_ _c8\"> </span></span></span><span style=\"display:inherit;clear:left;\">3<span class=\"_ _23f\"> </span><span class=\"ls84 wsdf\">-3<span class=\"_ _c8\"> </span></span>0</span><span style=\"display:inherit;clear:left;\">Overf<span class=\"_ _1\"></span>\u00f8rt til lev<span class=\"_ _1\"></span>e<span class=\"_ _1\"></span>tid ECL \u2013 objektiv<span class=\"_ _1\"></span>e be<span class=\"_ _1\"></span>vis p\u00e5 tap </span><span style=\"display:inherit;clear:left;\">(st<span class=\"_ _1\"></span>eg 3) \u2013 Individuelt vurdert<span class=\"_ _233\"> </span>0<span class=\"_ _78\"> </span><span class=\"ls6 ws6\">-1<span class=\"_ _a\"></span>2<span class=\"_ _16\"> </span></span>-8<span class=\"_ _10c\"> </span><span class=\"ls84 wsdf\">-2<span class=\"_ _8\"></span>1<span class=\"_ _84\"> </span></span>21<span class=\"_ _21e\"> </span>0</span><span style=\"display:inherit;clear:left;\">Net<span class=\"_ _1\"></span>to n<span class=\"_ _1\"></span>y m\u00e5ling a<span class=\"_ _1\"></span>v tap<span class=\"_ _23b\"> </span></span><span style=\"display:inherit;clear:left;\">-1<span class=\"_ _8\"></span>6<span class=\"_ _16\"> </span>-1<span class=\"_ _a\"></span>6<span class=\"_ _14\"> </span><span class=\"ls120 ws1cb\">34<span class=\"_ _c8\"> </span></span></span><span style=\"display:inherit;clear:left;\">2<span class=\"_ _118\"> </span>190<span class=\"_ _e7\"> </span><span class=\"lsf6 ws158\">192</span></span><span style=\"display:inherit;clear:left;\">Nye ut<span class=\"_ _1\"></span>st<span class=\"_ _1\"></span>edte eller kj\u00f8p<span class=\"_ _1\"></span>te finansielle eiendeler<span class=\"_ _48\"> </span></span><span style=\"display:inherit;clear:left;\">1<span class=\"_ _8\"></span>31<span class=\"_ _8d\"> </span></span><span style=\"display:inherit;clear:left;\">50<span class=\"_ _14\"> </span></span><span style=\"display:inherit;clear:left;\">28<span class=\"_ _97\"> </span><span class=\"ls125 ws1cf\">20<span class=\"_ _8\"></span>9<span class=\"_ _a0\"> </span></span></span><span style=\"display:inherit;clear:left;\">19<span class=\"_ _9c\"> </span><span class=\"ls13 ws13\">2<span class=\"_ _8\"></span>27</span></span><span style=\"display:inherit;clear:left;\">Finansielle eiendeler som har blitt fr<span class=\"_ _1\"></span>ar<span class=\"_ _1\"></span>egnet<span class=\"_ _c8\"> </span></span><span style=\"display:inherit;clear:left;\">-7<span class=\"_ _a\"></span>7<span class=\"_ _11\"> </span></span><span style=\"display:inherit;clear:left;\">-58<span class=\"_ _ba\"> </span></span><span style=\"display:inherit;clear:left;\">-46<span class=\"_ _118\"> </span></span><span style=\"display:inherit;clear:left;\">-1<span class=\"_ _8\"></span>8<span class=\"_ _8\"></span>1<span class=\"_ _95\"> </span><span class=\"ls4a ws9d\">-<span class=\"_ _8\"></span>249<span class=\"_ _66\"> </span><span class=\"ls12c ws1d6\">-430</span></span></span><span style=\"display:inherit;clear:left;\">V<span class=\"_ _2\"></span>aluta og andre bev<span class=\"_ _1\"></span>eg<span class=\"_ _1\"></span>elser<span class=\"_ _1ce\"> </span>0<span class=\"_ _4a\"> </span>0<span class=\"_ _8b\"> </span>0<span class=\"_ _43\"> </span>0<span class=\"_ _69\"> </span>1<span class=\"_ _67\"> </span>1</span><span style=\"display:inherit;clear:left;\">T<span class=\"_ _2\"></span>apsa<span class=\"_ _1\"></span>v<span class=\"_ _1\"></span>setning pr<span class=\"_ _0\"></span>. 31/12<span class=\"_ _1\"></span>-2<span class=\"_ _1\"></span>02<span class=\"_ _1\"></span>3<span class=\"_ _b5\"> </span></span><span style=\"display:inherit;clear:left;\">26<span class=\"_ _8\"></span>4<span class=\"_ _11\"> </span><span class=\"ls82 ws14b\">181<span class=\"_ _6e\"> </span></span>201<span class=\"_ _20e\"> </span></span><span style=\"display:inherit;clear:left;\">6<span class=\"_ _a\"></span>47<span class=\"_ _25\"> </span><span class=\"ls82 ws14b\">198<span class=\"_ _226\"> </span>8<span class=\"_ _8\"></span>45</span></span><span style=\"display:inherit;clear:left;\"> Sum modell- </span><span style=\"display:inherit;clear:left;\">Individuelt </span><span style=\"display:inherit;clear:left;\">Modellber<span class=\"_ _1\"></span>egnet</span><span style=\"display:inherit;clear:left;\">ber<span class=\"_ _1\"></span>egnet tap</span><span style=\"display:inherit;clear:left;\">vur<span class=\"_ _1\"></span>dert<span class=\"_ _a2\"> </span><span class=\"ls140 ws1ee\">To<span class=\"_ _a\"></span>t<span class=\"_ _38\"></span>a<span class=\"_ _a\"></span>l</span></span><span style=\"display:inherit;clear:left;\">PRIV<span class=\"_ _2\"></span>A<span class=\"_ _2\"></span>TMARKED<span class=\"_ _f5\"> </span><span class=\"ls125 ws1cf\">S<span class=\"_ _8\"></span>teg<span class=\"_ _8\"></span> 1<span class=\"_ _cc\"> </span>Steg<span class=\"_ _8\"></span> 2<span class=\"_ _a8\"> </span>S<span class=\"_ _8\"></span>teg<span class=\"_ _8\"></span> 3<span class=\"_ _1e5\"> </span>Steg<span class=\"_ _8\"></span> 3</span></span><span style=\"display:inherit;clear:left;\">T<span class=\"_ _0\"></span>apsavse<span class=\"_ _1\"></span>tning inng\u00e5<span class=\"_ _1\"></span>ende balanse <span class=\"_ _219\"> </span></span><span style=\"display:inherit;clear:left;\">26<span class=\"_ _75\"> </span></span><span style=\"display:inherit;clear:left;\">57<span class=\"_ _14\"> </span><span class=\"ls8 ws8\">27<span class=\"_ _99\"> </span></span></span><span style=\"display:inherit;clear:left;\"><span class=\"ff1\">110<span class=\"_ _49\"> </span>10<span class=\"_ _118\"> </span><span class=\"lsf6 ws158\">120</span></span></span><span style=\"display:inherit;clear:left;\">Overf<span class=\"_ _1\"></span>\u00f8rt til 12 mnd ECL (s<span class=\"_ _1\"></span>teg 1)<span class=\"_ _124\"> </span>19<span class=\"_ _16\"> </span></span><span style=\"display:inherit;clear:left;\">-1<span class=\"_ _a\"></span>7<span class=\"_ _8d\"> </span><span class=\"ls84 wsdf\">-2<span class=\"_ _43\"> </span></span></span><span style=\"display:inherit;clear:left;\">0<span class=\"_ _21e\"> </span>0<span class=\"_ _43\"> </span>0</span><span style=\"display:inherit;clear:left;\">Overf<span class=\"_ _1\"></span>\u00f8rt til lev<span class=\"_ _1\"></span>e<span class=\"_ _1\"></span>tid ECL \u2013 ikk<span class=\"_ _1\"></span>e objektiv<span class=\"_ _1\"></span>e bevis p\u00e5 </span><span style=\"display:inherit;clear:left;\">tap (st<span class=\"_ _1\"></span>eg 2)<span class=\"_ _136\"> </span><span class=\"ls84 wsdf\">-2<span class=\"_ _4a\"> </span></span>4<span class=\"_ _16\"> </span><span class=\"ls84 wsdf\">-2<span class=\"_ _43\"> </span></span>0<span class=\"_ _21e\"> </span>0<span class=\"_ _43\"> </span>0</span><span style=\"display:inherit;clear:left;\">Overf<span class=\"_ _1\"></span>\u00f8rt til lev<span class=\"_ _1\"></span>e<span class=\"_ _1\"></span>tid ECL \u2013 objektiv<span class=\"_ _1\"></span>e be<span class=\"_ _1\"></span>vis p\u00e5 tap </span><span style=\"display:inherit;clear:left;\">(st<span class=\"_ _1\"></span>eg 3) \u2013 Modellberegne<span class=\"_ _1\"></span>t<span class=\"_ _223\"> </span>0<span class=\"_ _10\"> </span><span class=\"ls84 wsdf\">-2<span class=\"_ _10\"> </span></span>2<span class=\"_ _21e\"> </span>0<span class=\"_ _43\"> </span>0<span class=\"_ _21e\"> </span>0</span><span style=\"display:inherit;clear:left;\">Overf<span class=\"_ _1\"></span>\u00f8rt til lev<span class=\"_ _1\"></span>e<span class=\"_ _1\"></span>tid ECL \u2013 objektiv<span class=\"_ _1\"></span>e be<span class=\"_ _1\"></span>vis p\u00e5 tap </span><span style=\"display:inherit;clear:left;\">(st<span class=\"_ _1\"></span>eg 3) \u2013 Individuelt vurdert<span class=\"_ _233\"> </span>0<span class=\"_ _4a\"> </span>0<span class=\"_ _8b\"> </span>0<span class=\"_ _43\"> </span>0<span class=\"_ _43\"> </span>0<span class=\"_ _21e\"> </span>0</span><span style=\"display:inherit;clear:left;\">Net<span class=\"_ _1\"></span>to n<span class=\"_ _1\"></span>y m\u00e5ling a<span class=\"_ _1\"></span>v tap<span class=\"_ _13e\"> </span>4<span class=\"_ _21a\"> </span></span><span style=\"display:inherit;clear:left;\">35<span class=\"_ _14\"> </span></span><span style=\"display:inherit;clear:left;\">38<span class=\"_ _49\"> </span><span class=\"ls61 wsb5\">78<span class=\"_ _69\"> </span></span></span><span style=\"display:inherit;clear:left;\">1<span class=\"_ _116\"> </span><span class=\"lsfc ws15e\">79</span></span><span style=\"display:inherit;clear:left;\">Nye ut<span class=\"_ _1\"></span>st<span class=\"_ _1\"></span>edte eller kj\u00f8p<span class=\"_ _1\"></span>te finansielle eiendeler<span class=\"_ _84\"> </span><span class=\"ls13 ws13\">27<span class=\"_ _68\"> </span></span>9<span class=\"_ _10\"> </span>3<span class=\"_ _b6\"> </span><span class=\"ls136 ws1e3\">39<span class=\"_ _43\"> </span></span>0<span class=\"_ _b6\"> </span><span class=\"ls136 ws1e3\">39</span></span><span style=\"display:inherit;clear:left;\">Finansielle eiendeler som har blitt fr<span class=\"_ _1\"></span>ar<span class=\"_ _1\"></span>egnet<span class=\"_ _209\"> </span></span><span style=\"display:inherit;clear:left;\">-1<span class=\"_ _a\"></span>9<span class=\"_ _16\"> </span><span class=\"ls84 wsdf\">-21<span class=\"_ _12\"> </span></span>-1<span class=\"_ _8\"></span>3<span class=\"_ _99\"> </span></span><span style=\"display:inherit;clear:left;\">-53<span class=\"_ _23f\"> </span><span class=\"ls84 wsdf\">-3<span class=\"_ _e7\"> </span><span class=\"ls82 ws14b\">-56</span></span></span><span style=\"display:inherit;clear:left;\">V<span class=\"_ _2\"></span>aluta og andre bev<span class=\"_ _1\"></span>eg<span class=\"_ _1\"></span>elser<span class=\"_ _1ce\"> </span>0<span class=\"_ _4a\"> </span>0<span class=\"_ _8b\"> </span>0<span class=\"_ _43\"> </span>0<span class=\"_ _43\"> </span>0<span class=\"_ _21e\"> </span>0</span><span style=\"display:inherit;clear:left;\">T<span class=\"_ _2\"></span>apsa<span class=\"_ _1\"></span>v<span class=\"_ _1\"></span>setning pr<span class=\"_ _0\"></span>. 31/12<span class=\"_ _1\"></span>-2<span class=\"_ _1\"></span>02<span class=\"_ _1\"></span>3<span class=\"_ _23\"> </span></span><span style=\"display:inherit;clear:left;\">55<span class=\"_ _16\"> </span></span><span style=\"display:inherit;clear:left;\">66<span class=\"_ _1a\"> </span></span><span style=\"display:inherit;clear:left;\">54<span class=\"_ _e7\"> </span><span class=\"lsb wsb\">175<span class=\"_ _c8\"> </span></span></span><span style=\"display:inherit;clear:left;\">8<span class=\"_ _99\"> </span><span class=\"ls82 ws14b\">1<span class=\"_ _8\"></span>81</span></span><span style=\"display:inherit;clear:left;\">Sum nedskriving p\u00e5 utl\u00e5n, gar<span class=\"_ _1\"></span>an<span class=\"_ _1\"></span>tier<span class=\"_ _2\"></span>, </span><span style=\"display:inherit;clear:left;\">ubenyt<span class=\"_ _1\"></span>tede kr<span class=\"_ _2\"></span>editter samt l\u00e5ne<span class=\"_ _1\"></span>tilsagn<span class=\"_ _ed\"> </span></span><span style=\"display:inherit;clear:left;\">319<span class=\"_ _5d\"> </span></span><span style=\"display:inherit;clear:left;\">2<span class=\"_ _8\"></span>47<span class=\"_ _6f\"> </span></span><span style=\"display:inherit;clear:left;\">255<span class=\"_ _df\"> </span></span><span style=\"display:inherit;clear:left;\">82<span class=\"_ _8\"></span>1<span class=\"_ _226\"> </span><span class=\"lsf6 ws158\">20<span class=\"_ _8\"></span>6<span class=\"_ _75\"> </span>1<span class=\"_ _8\"></span> 026</span></span><span style=\"display:inherit;clear:left;\">K<span class=\"_ _1\"></span>ONSERN</span><span style=\"display:inherit;clear:left;\"> Sum modell- </span><span style=\"display:inherit;clear:left;\">Individuelt </span><span style=\"display:inherit;clear:left;\">2022<span class=\"_ _1b7\"> </span><span class=\"ls0 ws0\">Modellber<span class=\"_ _2\"></span>egnet</span></span><span style=\"display:inherit;clear:left;\">ber<span class=\"_ _1\"></span>egnet tap</span><span style=\"display:inherit;clear:left;\">vur<span class=\"_ _1\"></span>dert<span class=\"_ _a2\"> </span><span class=\"ls140 ws1ee\">To<span class=\"_ _a\"></span>t<span class=\"_ _38\"></span>a<span class=\"_ _a\"></span>l</span></span><span style=\"display:inherit;clear:left;\">BEDRIFTSMARKED<span class=\"_ _14c\"> </span><span class=\"ls125 ws1cf\">Ste<span class=\"_ _8\"></span>g 1<span class=\"_ _cc\"> </span>S<span class=\"_ _8\"></span>teg<span class=\"_ _8\"></span> 2<span class=\"_ _a8\"> </span>Ste<span class=\"_ _8\"></span>g 3<span class=\"_ _1e5\"> </span>Ste<span class=\"_ _8\"></span>g 3</span></span><span style=\"display:inherit;clear:left;\">T<span class=\"_ _0\"></span>apsavse<span class=\"_ _1\"></span>tning inng\u00e5<span class=\"_ _1\"></span>ende balanse<span class=\"_ _a7\"> </span></span><span style=\"display:inherit;clear:left;\">1<span class=\"_ _8\"></span>53<span class=\"_ _94\"> </span></span><span style=\"display:inherit;clear:left;\">300<span class=\"_ _94\"> </span></span><span style=\"display:inherit;clear:left;\">176<span class=\"_ _25\"> </span></span><span style=\"display:inherit;clear:left;\">631<span class=\"_ _9d\"> </span><span class=\"lsf6 ws158\">20<span class=\"_ _8\"></span>6<span class=\"_ _20e\"> </span><span class=\"ls92 wsee\">835</span></span></span><span style=\"display:inherit;clear:left;\">Overf<span class=\"_ _1\"></span>\u00f8rt til 12 mnd ECL (s<span class=\"_ _1\"></span>teg 1)<span class=\"_ _257\"> </span></span><span style=\"display:inherit;clear:left;\">72<span class=\"_ _14\"> </span></span><span style=\"display:inherit;clear:left;\">-<span class=\"_ _8\"></span>52<span class=\"_ _16\"> </span><span class=\"ls84 wsdf\">-2<span class=\"_ _6a\"> </span></span></span><span style=\"display:inherit;clear:left;\">17<span class=\"_ _63\"> </span><span class=\"ls6 ws6\">-1<span class=\"_ _a\"></span>7<span class=\"_ _c8\"> </span></span>0</span><span style=\"display:inherit;clear:left;\">Overf<span class=\"_ _1\"></span>\u00f8rt til lev<span class=\"_ _1\"></span>e<span class=\"_ _1\"></span>tid ECL \u2013 ikk<span class=\"_ _1\"></span>e objektiv<span class=\"_ _1\"></span>e bevis p\u00e5 </span><span style=\"display:inherit;clear:left;\">tap (st<span class=\"_ _1\"></span>eg 2)<span class=\"_ _231\"> </span></span><span style=\"display:inherit;clear:left;\">-1<span class=\"_ _a\"></span>8<span class=\"_ _75\"> </span></span><span style=\"display:inherit;clear:left;\">58<span class=\"_ _108\"> </span><span class=\"ls133 ws1e0\">-40<span class=\"_ _43\"> </span></span></span><span style=\"display:inherit;clear:left;\">0<span class=\"_ _43\"> </span>0<span class=\"_ _21e\"> </span>0</span><span style=\"display:inherit;clear:left;\">Overf<span class=\"_ _1\"></span>\u00f8rt til lev<span class=\"_ _1\"></span>e<span class=\"_ _1\"></span>tid ECL \u2013 objektiv<span class=\"_ _1\"></span>e be<span class=\"_ _1\"></span>vis p\u00e5 tap </span><span style=\"display:inherit;clear:left;\">(st<span class=\"_ _1\"></span>eg 3) \u2013 Modellberegne<span class=\"_ _1\"></span>t<span class=\"_ _232\"> </span><span class=\"ls6 ws6\">-1<span class=\"_ _78\"> </span>-1<span class=\"_ _8\"></span>4<span class=\"_ _16\"> </span></span>19<span class=\"_ _21e\"> </span>4<span class=\"_ _88\"> </span><span class=\"ls120 ws1cb\">-4<span class=\"_ _43\"> </span></span>0</span><span style=\"display:inherit;clear:left;\">Overf<span class=\"_ _1\"></span>\u00f8rt til lev<span class=\"_ _1\"></span>e<span class=\"_ _1\"></span>tid ECL \u2013 objektiv<span class=\"_ _1\"></span>e be<span class=\"_ _1\"></span>vis p\u00e5 tap </span><span style=\"display:inherit;clear:left;\">(st<span class=\"_ _1\"></span>eg 3) \u2013 Individuelt vurdert<span class=\"_ _233\"> </span>0<span class=\"_ _9a\"> </span><span class=\"ls84 wsdf\">-3<span class=\"_ _8d\"> </span>-3<span class=\"_ _84\"> </span></span>-6<span class=\"_ _c8\"> </span>6<span class=\"_ _21e\"> </span>0</span><span style=\"display:inherit;clear:left;\">Net<span class=\"_ _1\"></span>to n<span class=\"_ _1\"></span>y m\u00e5ling a<span class=\"_ _1\"></span>v tap<span class=\"_ _23e\"> </span>-64<span class=\"_ _8b\"> </span></span><span style=\"display:inherit;clear:left;\">61<span class=\"_ _14\"> </span><span class=\"ls13e ws1ec\">47<span class=\"_ _20d\"> </span></span></span><span style=\"display:inherit;clear:left;\">44</span><span style=\"display:inherit;clear:left;\"><span class=\"_ _48\"> </span><span class=\"ls126 ws1d0\">58<span class=\"_ _25\"> </span><span class=\"lsf6 ws158\">1<span class=\"_ _8\"></span>02</span></span></span><span style=\"display:inherit;clear:left;\">Nye ut<span class=\"_ _1\"></span>st<span class=\"_ _1\"></span>edte eller kj\u00f8p<span class=\"_ _1\"></span>te finansielle eiendeler<span class=\"_ _99\"> </span>106<span class=\"_ _17\"> </span>44<span class=\"_ _12\"> </span></span><span style=\"display:inherit;clear:left;\">24<span class=\"_ _117\"> </span></span><span style=\"display:inherit;clear:left;\">1<span class=\"_ _a\"></span>74<span class=\"_ _49\"> </span><span class=\"ls125 ws1cf\">26<span class=\"_ _20e\"> </span>200</span></span><span style=\"display:inherit;clear:left;\">Finansielle eiendeler som har blitt fr<span class=\"_ _1\"></span>ar<span class=\"_ _1\"></span>egnet<span class=\"_ _c8\"> </span><span class=\"ls134 ws1e1\">-7<span class=\"_ _8\"></span>6<span class=\"_ _1a\"> </span></span>-<span class=\"_ _1\"></span>116<span class=\"_ _6f\"> </span></span><span style=\"display:inherit;clear:left;\">-44<span class=\"_ _3d\"> </span></span><span style=\"display:inherit;clear:left;\">-23<span class=\"_ _8\"></span>6<span class=\"_ _e7\"> </span><span class=\"ls138 ws1e5\">-52<span class=\"_ _95\"> </span><span class=\"ls109 ws16b\">-28<span class=\"_ _8\"></span>8</span></span></span><span style=\"display:inherit;clear:left;\">V<span class=\"_ _2\"></span>aluta og andre bev<span class=\"_ _1\"></span>eg<span class=\"_ _1\"></span>elser<span class=\"_ _1ce\"> </span>0<span class=\"_ _4a\"> </span>0<span class=\"_ _8b\"> </span>0<span class=\"_ _43\"> </span>0<span class=\"_ _21e\"> </span>4<span class=\"_ _21e\"> </span>4</span><span style=\"display:inherit;clear:left;\">T<span class=\"_ _2\"></span>apsa<span class=\"_ _1\"></span>v<span class=\"_ _1\"></span>setning pr<span class=\"_ _0\"></span>. 31/12<span class=\"_ _1\"></span>-2<span class=\"_ _1\"></span>022<span class=\"_ _258\"> </span></span><span style=\"display:inherit;clear:left;\">1<span class=\"_ _8\"></span>72<span class=\"_ _1b\"> </span><span class=\"ls12a ws1d4\">278<span class=\"_ _74\"> </span></span></span><span style=\"display:inherit;clear:left;\">177<span class=\"_ _9d\"> </span></span><span style=\"display:inherit;clear:left;\">628<span class=\"_ _15\"> </span><span class=\"ls8 ws8\">2<span class=\"_ _8\"></span>27<span class=\"_ _97\"> </span><span class=\"ls82 ws14b\">855</span></span></span><span style=\"display:inherit;clear:left;\"> Sum modell- </span><span style=\"display:inherit;clear:left;\">Individuelt </span><span style=\"display:inherit;clear:left;\">Modellber<span class=\"_ _1\"></span>egnet</span><span style=\"display:inherit;clear:left;\">ber<span class=\"_ _1\"></span>egnet tap</span><span style=\"display:inherit;clear:left;\">vur<span class=\"_ _1\"></span>dert<span class=\"_ _a2\"> </span><span class=\"ls140 ws1ee\">To<span class=\"_ _a\"></span>t<span class=\"_ _38\"></span>a<span class=\"_ _a\"></span>l</span></span><span style=\"display:inherit;clear:left;\">PRIV<span class=\"_ _2\"></span>A<span class=\"_ _2\"></span>TMARKED<span class=\"_ _f5\"> </span><span class=\"ls125 ws1cf\">S<span class=\"_ _8\"></span>teg<span class=\"_ _8\"></span> 1<span class=\"_ _cc\"> </span>Steg<span class=\"_ _8\"></span> 2<span class=\"_ _a8\"> </span>S<span class=\"_ _8\"></span>teg<span class=\"_ _8\"></span> 3<span class=\"_ _1e5\"> </span>Steg<span class=\"_ _8\"></span> 3</span></span><span style=\"display:inherit;clear:left;\">T<span class=\"_ _0\"></span>apsavse<span class=\"_ _1\"></span>tning inng\u00e5<span class=\"_ _1\"></span>ende balanse <span class=\"_ _22d\"> </span><span class=\"ff1\">16<span class=\"_ _78\"> </span>43<span class=\"_ _14\"> </span><span class=\"ls135 ws1e2\">36<span class=\"_ _20d\"> </span><span class=\"ls108 ws16a\">95<span class=\"_ _a0\"> </span></span></span>15<span class=\"_ _e7\"> </span>110</span></span><span style=\"display:inherit;clear:left;\">Overf<span class=\"_ _1\"></span>\u00f8rt til 12 mnd ECL (s<span class=\"_ _1\"></span>teg 1)<span class=\"_ _259\"> </span>8<span class=\"_ _66\"> </span></span><span style=\"display:inherit;clear:left;\">-7<span class=\"_ _9a\"> </span><span class=\"ls6 ws6\">-1<span class=\"_ _c8\"> </span></span></span><span style=\"display:inherit;clear:left;\">0<span class=\"_ _21e\"> </span>0<span class=\"_ _43\"> </span>0</span><span style=\"display:inherit;clear:left;\">Overf<span class=\"_ _1\"></span>\u00f8rt til lev<span class=\"_ _1\"></span>e<span class=\"_ _1\"></span>tid ECL \u2013 ikk<span class=\"_ _1\"></span>e objektiv<span class=\"_ _1\"></span>e bevis p\u00e5 </span><span style=\"display:inherit;clear:left;\">tap (st<span class=\"_ _1\"></span>eg 2)<span class=\"_ _17b\"> </span><span class=\"ls6 ws6\">-1<span class=\"_ _68\"> </span></span>5<span class=\"_ _17\"> </span><span class=\"ls120 ws1cb\">-4<span class=\"_ _43\"> </span></span>0<span class=\"_ _21e\"> </span>0<span class=\"_ _43\"> </span>0</span><span style=\"display:inherit;clear:left;\">Overf<span class=\"_ _1\"></span>\u00f8rt til lev<span class=\"_ _1\"></span>e<span class=\"_ _1\"></span>tid ECL \u2013 objektiv<span class=\"_ _1\"></span>e be<span class=\"_ _1\"></span>vis p\u00e5 tap </span><span style=\"display:inherit;clear:left;\">(st<span class=\"_ _1\"></span>eg 3) \u2013 Modellberegne<span class=\"_ _1\"></span>t<span class=\"_ _223\"> </span>0<span class=\"_ _10\"> </span><span class=\"ls84 wsdf\">-2<span class=\"_ _10\"> </span></span>2<span class=\"_ _21e\"> </span>0<span class=\"_ _43\"> </span>0<span class=\"_ _21e\"> </span>0</span><span style=\"display:inherit;clear:left;\">Overf<span class=\"_ _1\"></span>\u00f8rt til lev<span class=\"_ _1\"></span>e<span class=\"_ _1\"></span>tid ECL \u2013 objektiv<span class=\"_ _1\"></span>e be<span class=\"_ _1\"></span>vis p\u00e5 tap </span><span style=\"display:inherit;clear:left;\">(st<span class=\"_ _1\"></span>eg 3) \u2013 Individuelt vurdert<span class=\"_ _233\"> </span>0<span class=\"_ _4a\"> </span>0<span class=\"_ _8b\"> </span>0<span class=\"_ _43\"> </span>0<span class=\"_ _43\"> </span>0<span class=\"_ _21e\"> </span>0</span><span style=\"display:inherit;clear:left;\">Net<span class=\"_ _1\"></span>to n<span class=\"_ _1\"></span>y m\u00e5ling a<span class=\"_ _1\"></span>v tap<span class=\"_ _1cd\"> </span></span><span style=\"display:inherit;clear:left;\">-5<span class=\"_ _8d\"> </span><span class=\"ls125 ws1cf\">20<span class=\"_ _75\"> </span></span></span><span style=\"display:inherit;clear:left;\">11<span class=\"_ _b6\"> </span><span class=\"ls125 ws1cf\">26<span class=\"_ _10d\"> </span></span>2<span class=\"_ _b6\"> </span><span class=\"ls109 ws16b\">28</span></span><span style=\"display:inherit;clear:left;\">Nye ut<span class=\"_ _1\"></span>st<span class=\"_ _1\"></span>edte eller kj\u00f8p<span class=\"_ _1\"></span>te finansielle eiendeler<span class=\"_ _6a\"> </span>10<span class=\"_ _3d\"> </span>11<span class=\"_ _96\"> </span>1<span class=\"_ _b6\"> </span><span class=\"ls21 ws175\">23<span class=\"_ _43\"> </span></span>0<span class=\"_ _b6\"> </span><span class=\"ls21 ws175\">23</span></span><span style=\"display:inherit;clear:left;\">Finansielle eiendeler som har blitt fr<span class=\"_ _1\"></span>ar<span class=\"_ _1\"></span>egnet<span class=\"_ _25a\"> </span>-6<span class=\"_ _18\"> </span></span><span style=\"display:inherit;clear:left;\">-1<span class=\"_ _a\"></span>4<span class=\"_ _12\"> </span>-1<span class=\"_ _a\"></span>7<span class=\"_ _125\"> </span><span class=\"ls61 wsb5\">-<span class=\"_ _8\"></span>37<span class=\"_ _23f\"> </span></span></span><span style=\"display:inherit;clear:left;\">-8<span class=\"_ _df\"> </span><span class=\"ls82 ws14b\">-45</span></span><span style=\"display:inherit;clear:left;\">V<span class=\"_ _2\"></span>aluta og andre bev<span class=\"_ _1\"></span>eg<span class=\"_ _1\"></span>elser<span class=\"_ _1ea\"> </span>4<span class=\"_ _4a\"> </span>0<span class=\"_ _9a\"> </span>0<span class=\"_ _21e\"> </span>4<span class=\"_ _21e\"> </span>0<span class=\"_ _21e\"> </span>4</span><span style=\"display:inherit;clear:left;\">T<span class=\"_ _2\"></span>apsa<span class=\"_ _1\"></span>v<span class=\"_ _1\"></span>setning pr<span class=\"_ _0\"></span>. 31/12<span class=\"_ _1\"></span>-2<span class=\"_ _1\"></span>022<span class=\"_ _124\"> </span></span><span style=\"display:inherit;clear:left;\">26<span class=\"_ _3e\"> </span></span><span style=\"display:inherit;clear:left;\">57<span class=\"_ _98\"> </span><span class=\"ls8 ws8\">27<span class=\"_ _99\"> </span></span></span><span style=\"display:inherit;clear:left;\">110<span class=\"_ _49\"> </span>10<span class=\"_ _118\"> </span><span class=\"lsf6 ws158\">120</span></span><span style=\"display:inherit;clear:left;\">Sum nedskriving p\u00e5 utl\u00e5n, gar<span class=\"_ _1\"></span>an<span class=\"_ _1\"></span>tier<span class=\"_ _2\"></span>, </span><span style=\"display:inherit;clear:left;\">ubenyt<span class=\"_ _1\"></span>tede kr<span class=\"_ _2\"></span>editter samt l\u00e5ne<span class=\"_ _1\"></span>tilsagn<span class=\"_ _62\"> </span></span><span style=\"display:inherit;clear:left;\">1<span class=\"_ _8\"></span>99<span class=\"_ _74\"> </span></span><span style=\"display:inherit;clear:left;\">3<span class=\"_ _8\"></span>36<span class=\"_ _189\"> </span></span><span style=\"display:inherit;clear:left;\">205<span class=\"_ _9c\"> </span></span><span style=\"display:inherit;clear:left;\">739<span class=\"_ _9c\"> </span></span><span style=\"display:inherit;clear:left;\">2<span class=\"_ _8\"></span>37</span><span style=\"display:inherit;clear:left;\"><span class=\"_ _9c\"> </span></span><span style=\"display:inherit;clear:left;\">976</span><span style=\"display:inherit;clear:left;\">No<span class=\"_ _1\"></span>te 15 R<span class=\"_ _1\"></span>e<span class=\"_ _1\"></span>f<span class=\"_ _0\"></span>orh<span class=\"_ _1\"></span>andlede o<span class=\"_ _1\"></span>g mislighold<span class=\"_ _1\"></span>te l<span class=\"_ _1\"></span>\u00e5n</span><span style=\"display:inherit;clear:left;\">Reforhandlede<span class=\"_ _1\"></span> l\u00e5n (<span class=\"_ _1\"></span>forbear<span class=\"_ _1\"></span>ance/betalingslette<span class=\"_ _1\"></span>lser)</span><span style=\"display:inherit;clear:left;\">Ref<span class=\"_ _1\"></span>orhandlede l\u00e5n de<span class=\"_ _1\"></span>finer<span class=\"_ _1\"></span>es som utl\u00e5n hv<span class=\"_ _1\"></span>or de<span class=\"_ _1\"></span>t er gitt let<span class=\"_ _1\"></span>telser i vilk<span class=\"_ _1\"></span>\u00e5r i sammenheng med a<span class=\"_ _1\"></span>t kunden har f<span class=\"_ _1\"></span>\u00e5<span class=\"_ _1\"></span>t<span class=\"_ _1\"></span>t betalingspr<span class=\"_ _1\"></span>oblemer<span class=\"_ _0\"></span>, og </span><span style=\"display:inherit;clear:left;\">a<span class=\"_ _1\"></span>t man ikke ville gitt dis<span class=\"_ _1\"></span>se vilk\u00e5r v<span class=\"_ _1\"></span>ed en or<span class=\"_ _1\"></span>din\u00e6r l\u00e5neutst<span class=\"_ _1\"></span>edelse.</span><span style=\"display:inherit;clear:left;\">K<span class=\"_ _1\"></span>ONSERN</span><span style=\"display:inherit;clear:left;\">Pr<span class=\"_ _2\"></span>. 31/12<span class=\"_ _1\"></span>-<span class=\"_ _1\"></span>20<span class=\"_ _1\"></span>23<span class=\"_ _25b\"> </span><span class=\"ls125 ws1cf\">Steg<span class=\"_ _8\"></span> 2<span class=\"_ _98\"> </span>Ste<span class=\"_ _8\"></span>g 3<span class=\"_ _68\"> </span></span>Sum</span><span style=\"display:inherit;clear:left;\">Balanse betalingsle<span class=\"_ _1\"></span>tt<span class=\"_ _1\"></span>elser brutt<span class=\"_ _1\"></span>o \u2013 Bedriftsmark<span class=\"_ _1\"></span>ed<span class=\"_ _1bc\"> </span></span><span style=\"display:inherit;clear:left;\">1<span class=\"_ _8\"></span> 273<span class=\"_ _9c\"> </span><span class=\"ls138 ws1e5\">693<span class=\"_ _8b\"> </span></span></span><span style=\"display:inherit;clear:left;\">1 966</span><span style=\"display:inherit;clear:left;\">Nedskrivinger \u2013 Bedriftsmark<span class=\"_ _1\"></span>ed<span class=\"_ _1f7\"> </span></span><span style=\"display:inherit;clear:left;\">-2<span class=\"_ _8\"></span>3<span class=\"_ _96\"> </span><span class=\"ls4a ws9d\">-<span class=\"_ _8\"></span>245<span class=\"_ _95\"> </span><span class=\"ls125 ws1cf\">-<span class=\"_ _8\"></span>268</span></span></span><span style=\"display:inherit;clear:left;\">Balanse betalingsle<span class=\"_ _1\"></span>tt<span class=\"_ _1\"></span>elser brutt<span class=\"_ _1\"></span>o \u2013 P<span class=\"_ _1\"></span>ersonmark<span class=\"_ _1\"></span>ed<span class=\"_ _25c\"> </span><span class=\"ls31 ws81\">575<span class=\"_ _10c\"> </span></span>117<span class=\"_ _15\"> </span><span class=\"ls138 ws1e5\">692</span></span><span style=\"display:inherit;clear:left;\">Nedskrivinger \u2013 P<span class=\"_ _1\"></span>ersonmark<span class=\"_ _1\"></span>ed<span class=\"_ _1b9\"> </span></span><span style=\"display:inherit;clear:left;\">-5<span class=\"_ _63\"> </span><span class=\"ls6 ws6\">-1<span class=\"_ _8\"></span>5<span class=\"_ _99\"> </span><span class=\"ls125 ws1cf\">-20</span></span></span><span style=\"display:inherit;clear:left;\">Balanse betalingsle<span class=\"_ _1\"></span>tt<span class=\"_ _1\"></span>elser ne<span class=\"_ _1\"></span>tt<span class=\"_ _1\"></span>o pr<span class=\"_ _0\"></span>. 31/12-<span class=\"_ _1\"></span>20<span class=\"_ _1\"></span>23<span class=\"_ _175\"> </span>1 819<span class=\"_ _df\"> </span><span class=\"ls83 wsdd\">551<span class=\"_ _3e\"> </span><span class=\"ls61 wsb5\">2<span class=\"_ _8\"></span> 370</span></span></span><span style=\"display:inherit;clear:left;\">Pr<span class=\"_ _2\"></span>. 31/12<span class=\"_ _1\"></span>-<span class=\"_ _1\"></span>20<span class=\"_ _1\"></span>22<span class=\"_ _25b\"> </span><span class=\"ls125 ws1cf\">Steg<span class=\"_ _8\"></span> 2<span class=\"_ _98\"> </span>Ste<span class=\"_ _8\"></span>g 3<span class=\"_ _68\"> </span></span>Sum</span><span style=\"display:inherit;clear:left;\">Balanse betalingsle<span class=\"_ _1\"></span>tt<span class=\"_ _1\"></span>elser brutt<span class=\"_ _1\"></span>o \u2013 Bedriftsmark<span class=\"_ _1\"></span>ed<span class=\"_ _1e6\"> </span>1 15<span class=\"_ _1\"></span>9<span class=\"_ _df\"> </span><span class=\"ls131 ws1dd\">6<span class=\"_ _8\"></span>41<span class=\"_ _e9\"> </span></span>1 800</span><span style=\"display:inherit;clear:left;\">Nedskrivinger \u2013 Bedriftsmark<span class=\"_ _1\"></span>ed<span class=\"_ _1f7\"> </span></span><span style=\"display:inherit;clear:left;\">-68<span class=\"_ _3d\"> </span><span class=\"ls109 ws16b\">-2<span class=\"_ _8\"></span>28<span class=\"_ _a1\"> </span><span class=\"ls6 ws6\">-<span class=\"_ _8\"></span>297</span></span></span><span style=\"display:inherit;clear:left;\">Balanse betalingsle<span class=\"_ _1\"></span>tt<span class=\"_ _1\"></span>elser brutt<span class=\"_ _1\"></span>o \u2013 P<span class=\"_ _1\"></span>ersonmark<span class=\"_ _1\"></span>ed<span class=\"_ _175\"> </span></span><span style=\"display:inherit;clear:left;\">394<span class=\"_ _df\"> </span><span class=\"ls133 ws1e0\">105<span class=\"_ _20e\"> </span><span class=\"ls13d ws1eb\">49<span class=\"_ _8\"></span>8</span></span></span><span style=\"display:inherit;clear:left;\">Nedskrivinger \u2013 P<span class=\"_ _1\"></span>ersonmark<span class=\"_ _1\"></span>ed<span class=\"_ _1b9\"> </span>-6<span class=\"_ _63\"> </span><span class=\"ls6 ws6\">-1<span class=\"_ _8\"></span>2<span class=\"_ _20d\"> </span>-1<span class=\"_ _8\"></span>8</span></span><span style=\"display:inherit;clear:left;\">Balanse betalingsle<span class=\"_ _1\"></span>tt<span class=\"_ _1\"></span>elser ne<span class=\"_ _1\"></span>tt<span class=\"_ _1\"></span>o pr<span class=\"_ _0\"></span>. 31/12-<span class=\"_ _1\"></span>20<span class=\"_ _1\"></span>22<span class=\"_ _18f\"> </span></span><span style=\"display:inherit;clear:left;\">1<span class=\"_ _8\"></span> 47<span class=\"_ _8\"></span>9<span class=\"_ _97\"> </span><span class=\"ls108 ws16a\">505<span class=\"_ _91\"> </span><span class=\"ls82 ws14b\">1<span class=\"_ _8\"></span> 985</span></span></span><span style=\"display:inherit;clear:left;\">Misligholdte og<span class=\"_ _1\"></span> tapsutsa<span class=\"_ _1\"></span>tte u<span class=\"_ _1\"></span>tl\u00e5n<span class=\"ls0 ws0\"> </span></span><span style=\"display:inherit;clear:left;\">T<span class=\"_ _2\"></span>abellen viser bokf\u00f8rt bel\u00f8p p\u00e5 misligholdte og tapsutsa<span class=\"_ _1\"></span>tte utl\u00e5n,<span class=\"_ _1\"></span> hv<span class=\"_ _1\"></span>or to<span class=\"_ _1\"></span>talen r<span class=\"_ _1\"></span>apporteres basert p\u00e5 definisjoner<span class=\"_ _1\"></span> etter </span><span style=\"display:inherit;clear:left;\">Basel-r<span class=\"_ _1\"></span>egelverk<span class=\"_ _1\"></span>et.</span><span style=\"display:inherit;clear:left;\">MORBANK<span class=\"_ _12c\"> </span><span class=\"lsc wsc\">KONSERN</span></span><span style=\"display:inherit;clear:left;\">31/12-<span class=\"_ _1\"></span>2023<span class=\"_ _1bf\"> </span>31/12-<span class=\"_ _2\"></span>202<span class=\"_ _8\"></span>3</span><span style=\"display:inherit;clear:left;\">Pers<span class=\"_ _8\"></span>on-</span><span style=\"display:inherit;clear:left;\">Be<span class=\"_ _8\"></span>d<span class=\"_ _8\"></span>ri<span class=\"_ _8\"></span>ft<span class=\"_ _8\"></span>s-<span class=\"ls0 ws0\"> </span></span><span style=\"display:inherit;clear:left;\">Pers<span class=\"_ _8\"></span>on-</span><span style=\"display:inherit;clear:left;\">Be<span class=\"_ _8\"></span>d<span class=\"_ _8\"></span>ri<span class=\"_ _8\"></span>ft<span class=\"_ _8\"></span>s-<span class=\"ls0 ws0\"> </span></span><span style=\"display:inherit;clear:left;\">marked</span><span style=\"display:inherit;clear:left;\">marked<span class=\"_ _a3\"> </span><span class=\"ls142 ws1f1\">To<span class=\"_ _8\"></span>t<span class=\"_ _a\"></span>a<span class=\"_ _a\"></span>l<span class=\"_ _8\"></span>t</span></span><span style=\"display:inherit;clear:left;\">marked</span><span style=\"display:inherit;clear:left;\">marked<span class=\"_ _a3\"> </span><span class=\"ls142 ws1f1\">To<span class=\"_ _8\"></span>t<span class=\"_ _a\"></span>a<span class=\"_ _a\"></span>l<span class=\"_ _8\"></span>t</span></span><span style=\"display:inherit;clear:left;\">87<span class=\"_ _8e\"> </span></span><span style=\"display:inherit;clear:left;\">669<span class=\"_ _6f\"> </span></span><span style=\"display:inherit;clear:left;\">756<span class=\"_ _b8\"> </span></span><span style=\"display:inherit;clear:left;\">Utl\u00e5n med<span class=\"_ _1\"></span> betalingsmislighold ov<span class=\"_ _1\"></span>er 90<span class=\"_ _1\"></span> dager<span class=\"_ _22c\"> </span></span><span style=\"display:inherit;clear:left;\">116<span class=\"_ _6f\"> </span><span class=\"ls108 ws16a\">672<span class=\"_ _6f\"> </span><span class=\"ls61 wsb5\">78<span class=\"_ _8\"></span>8</span></span></span><span style=\"display:inherit;clear:left;\">115<span class=\"_ _9b\"> </span></span><span style=\"display:inherit;clear:left;\">463<span class=\"_ _6f\"> </span></span><span style=\"display:inherit;clear:left;\">5<span class=\"_ _8\"></span>78<span class=\"_ _b8\"> </span></span><span style=\"display:inherit;clear:left;\">\u00d8vrige<span class=\"_ _1\"></span> tapsutsatte u<span class=\"_ _1\"></span>tl\u00e5n <span class=\"_ _148\"> </span><span class=\"ls14 ws14\">206<span class=\"_ _8e\"> </span>467<span class=\"_ _6f\"> </span><span class=\"ls140 ws1ee\">6<span class=\"_ _a\"></span>74</span></span></span><span style=\"display:inherit;clear:left;\">202<span class=\"_ _dd\"> </span></span><span style=\"display:inherit;clear:left;\">1 132<span class=\"_ _cc\"> </span></span><span style=\"display:inherit;clear:left;\">1 334<span class=\"_ _11a\"> </span></span><span style=\"display:inherit;clear:left;\">Sum misligholdte og tapsu<span class=\"_ _1\"></span>tsatt<span class=\"_ _1\"></span>e ut<span class=\"_ _1\"></span>l\u00e5n<span class=\"_ _194\"> </span></span><span style=\"display:inherit;clear:left;\">322<span class=\"_ _dd\"> </span><span class=\"ls0 ws0\">1 139<span class=\"_ _cc\"> </span><span class=\"ls12c ws1d6\">1 4<span class=\"_ _8\"></span>62</span></span></span><span style=\"display:inherit;clear:left;\">-38<span class=\"_ _87\"> </span>-36<span class=\"_ _8\"></span>5<span class=\"_ _cd\"> </span></span><span style=\"display:inherit;clear:left;\">-403<span class=\"_ _11a\"> </span></span><span style=\"display:inherit;clear:left;\"> - T<span class=\"_ _2\"></span>otale nedskriving<span class=\"_ _1\"></span>er st<span class=\"_ _1\"></span>eg 3<span class=\"_ _76\"> </span></span><span style=\"display:inherit;clear:left;\">-60<span class=\"_ _87\"> </span><span class=\"ls84 wsdf\">-36<span class=\"_ _8\"></span>5<span class=\"_ _cd\"> </span><span class=\"ls8 ws8\">-<span class=\"_ _8\"></span>425</span></span></span><span style=\"display:inherit;clear:left;\">163<span class=\"_ _86\"> </span><span class=\"ls4a ws9d\">768<span class=\"_ _94\"> </span><span class=\"ls84 wsdf\">931<span class=\"_ _11a\"> </span></span></span>Net<span class=\"_ _1\"></span>to misligholdt<span class=\"_ _1\"></span>e og tapsutsa<span class=\"_ _2\"></span>tte utl\u00e5n<span class=\"_ _23c\"> </span></span><span style=\"display:inherit;clear:left;\">262<span class=\"_ _6f\"> </span><span class=\"ls147 ws1f7\">7<span class=\"_ _38\"></span>74<span class=\"_ _b7\"> </span><span class=\"ls135 ws1e2\">1 036</span></span></span><span style=\"display:inherit;clear:left;\">31/12-<span class=\"_ _1\"></span>2022<span class=\"_ _1bf\"> </span>31/12<span class=\"_ _1\"></span>-<span class=\"_ _1\"></span>2022</span><span style=\"display:inherit;clear:left;\">Pers<span class=\"_ _8\"></span>on-</span><span style=\"display:inherit;clear:left;\">Be<span class=\"_ _8\"></span>d<span class=\"_ _8\"></span>ri<span class=\"_ _8\"></span>ft<span class=\"_ _8\"></span>s-<span class=\"ls0 ws0\"> </span></span><span style=\"display:inherit;clear:left;\">Pers<span class=\"_ _8\"></span>on-</span><span style=\"display:inherit;clear:left;\">Be<span class=\"_ _8\"></span>d<span class=\"_ _8\"></span>ri<span class=\"_ _8\"></span>ft<span class=\"_ _8\"></span>s-<span class=\"ls0 ws0\"> </span></span><span style=\"display:inherit;clear:left;\">marked</span><span style=\"display:inherit;clear:left;\">marked<span class=\"_ _a3\"> </span><span class=\"ls142 ws1f1\">To<span class=\"_ _8\"></span>t<span class=\"_ _a\"></span>a<span class=\"_ _a\"></span>l<span class=\"_ _8\"></span>t</span></span><span style=\"display:inherit;clear:left;\">marked</span><span style=\"display:inherit;clear:left;\">marked<span class=\"_ _a3\"> </span><span class=\"ls142 ws1f1\">To<span class=\"_ _8\"></span>t<span class=\"_ _a\"></span>a<span class=\"_ _a\"></span>l<span class=\"_ _8\"></span>t</span></span><span style=\"display:inherit;clear:left;\">62<span class=\"_ _189\"> </span></span><span style=\"display:inherit;clear:left;\">355<span class=\"_ _ba\"> </span></span><span style=\"display:inherit;clear:left;\">41<span class=\"_ _8\"></span>8<span class=\"_ _b8\"> </span></span><span style=\"display:inherit;clear:left;\">Utl\u00e5n med betalingsmislighold ov<span class=\"_ _1\"></span>er 90<span class=\"_ _1\"></span> dager<span class=\"_ _25d\"> </span></span><span style=\"display:inherit;clear:left;\">112<span class=\"_ _8e\"> </span><span class=\"ls33 ws84\">360<span class=\"_ _6f\"> </span><span class=\"ls13e ws1ec\">472</span></span></span><span style=\"display:inherit;clear:left;\">76<span class=\"_ _94\"> </span></span><span style=\"display:inherit;clear:left;\">613<span class=\"_ _65\"> </span></span><span style=\"display:inherit;clear:left;\">689<span class=\"_ _11a\"> </span></span><span style=\"display:inherit;clear:left;\">\u00d8<span class=\"_ _8\"></span>vrige<span class=\"_ _1\"></span> tapsutsatte u<span class=\"_ _1\"></span>tl\u00e5n <span class=\"_ _25e\"> </span></span><span style=\"display:inherit;clear:left;\">160<span class=\"_ _6e\"> </span><span class=\"ls9a wsf7\">618<span class=\"_ _108\"> </span><span class=\"lsfc ws15e\">7<span class=\"_ _8\"></span>79</span></span></span><span style=\"display:inherit;clear:left;\">138<span class=\"_ _9b\"> </span></span><span style=\"display:inherit;clear:left;\">968<span class=\"_ _89\"> </span></span><span style=\"display:inherit;clear:left;\">1 10<span class=\"_ _1\"></span>7<span class=\"_ _b9\"> </span></span><span style=\"display:inherit;clear:left;\">Sum misligholdte<span class=\"_ _1\"></span> og tapsutsa<span class=\"_ _1\"></span>tte<span class=\"_ _1\"></span> utl\u00e5n<span class=\"_ _8c\"> </span></span><span style=\"display:inherit;clear:left;\">272<span class=\"_ _65\"> </span><span class=\"ls62 wsb6\">978<span class=\"_ _cc\"> </span><span class=\"ls133 ws1e0\">1<span class=\"_ _8\"></span> 250</span></span></span><span style=\"display:inherit;clear:left;\">-24<span class=\"_ _cd\"> </span></span><span style=\"display:inherit;clear:left;\">-<span class=\"_ _8\"></span>403<span class=\"_ _87\"> </span></span><span style=\"display:inherit;clear:left;\">-<span class=\"_ _8\"></span>427<span class=\"_ _b8\"> </span></span><span style=\"display:inherit;clear:left;\"> - T<span class=\"_ _0\"></span>otale nedskriving<span class=\"_ _1\"></span>er st<span class=\"_ _1\"></span>eg 3<span class=\"_ _76\"> </span></span><span style=\"display:inherit;clear:left;\">-3<span class=\"_ _8\"></span>4<span class=\"_ _90\"> </span><span class=\"ls108 ws16a\">-404<span class=\"_ _87\"> </span><span class=\"ls61 wsb5\">-<span class=\"_ _8\"></span>4<span class=\"_ _a\"></span>37</span></span></span><span style=\"display:inherit;clear:left;\">114<span class=\"_ _189\"> </span><span class=\"ls82 ws14b\">565<span class=\"_ _8e\"> </span><span class=\"ls83 wsdd\">680<span class=\"_ _11a\"> </span></span></span>Nett<span class=\"_ _1\"></span>o misligholdt<span class=\"_ _1\"></span>e og tapsutsa<span class=\"_ _1\"></span>tt<span class=\"_ _1\"></span>e utl\u00e5n<span class=\"_ _23c\"> </span></span><span style=\"display:inherit;clear:left;\">239<span class=\"_ _6f\"> </span><span class=\"ls109 ws16b\">575<span class=\"_ _ba\"> </span><span class=\"ls82 ws14b\">81<span class=\"_ _8\"></span>3</span></span></span><span style=\"display:inherit;clear:left;\">Aldersfordeling<span class=\"_ _1\"></span> a<span class=\"_ _1\"></span>v betalingsmislighold</span><span style=\"display:inherit;clear:left;\">T<span class=\"_ _2\"></span>abellen viser balansef\u00f8rt v<span class=\"_ _1\"></span>erdi<span class=\"_ _1\"></span> av<span class=\"_ _1\"></span> utl\u00e5n r<span class=\"_ _1\"></span>egistrert med betalingsmislighold, h<span class=\"_ _1\"></span>vor<span class=\"_ _1\"></span> misligholdet ov<span class=\"_ _1\"></span>erstiger<span class=\"_ _1\"></span> 1 000 kr<span class=\"_ _1\"></span>oner p\u00e5<span class=\"_ _1\"></span> en a<span class=\"_ _1\"></span>v </span><span style=\"display:inherit;clear:left;\">engasjementets<span class=\"_ _1\"></span> kon<span class=\"_ _1\"></span>ti og utg<span class=\"_ _8\"></span>j\u00f8r minst<span class=\"_ _1\"></span> 1 %<span class=\"_ _1\"></span> av<span class=\"_ _1\"></span> engasjemente<span class=\"_ _1\"></span>ts st\u00f8rr<span class=\"_ _1\"></span>else f<span class=\"_ _1\"></span>or Per<span class=\"_ _1\"></span>sonmarked. Til<span class=\"_ _1\"></span>svar<span class=\"_ _1\"></span>ende g<span class=\"_ _8\"></span>jelder f<span class=\"_ _1\"></span>or Bedriftsmarked, </span><span style=\"display:inherit;clear:left;\">men her er<span class=\"_ _1\"></span> bel\u00f8psgrensen<span class=\"_ _1\"></span> 2 000 kr<span class=\"_ _1\"></span>oner<span class=\"_ _0\"></span>. </span><span style=\"display:inherit;clear:left;\">MORBANK<span class=\"_ _12c\"> </span><span class=\"lsc wsc\">KONSERN</span></span><span style=\"display:inherit;clear:left;\">31/12-<span class=\"_ _1\"></span>2023<span class=\"_ _1bf\"> </span>31/12-<span class=\"_ _2\"></span>202<span class=\"_ _8\"></span>3</span><span style=\"display:inherit;clear:left;\">Pers<span class=\"_ _8\"></span>on-</span><span style=\"display:inherit;clear:left;\">Be<span class=\"_ _8\"></span>d<span class=\"_ _8\"></span>ri<span class=\"_ _8\"></span>ft<span class=\"_ _8\"></span>s-<span class=\"ls0 ws0\"> </span></span><span style=\"display:inherit;clear:left;\">Pers<span class=\"_ _8\"></span>on-</span><span style=\"display:inherit;clear:left;\">Be<span class=\"_ _8\"></span>d<span class=\"_ _8\"></span>ri<span class=\"_ _8\"></span>ft<span class=\"_ _8\"></span>s-<span class=\"ls0 ws0\"> </span></span><span style=\"display:inherit;clear:left;\">marked</span><span style=\"display:inherit;clear:left;\">marked<span class=\"_ _a3\"> </span><span class=\"ls142 ws1f1\">To<span class=\"_ _8\"></span>t<span class=\"_ _a\"></span>a<span class=\"_ _a\"></span>l<span class=\"_ _8\"></span>t</span></span><span style=\"display:inherit;clear:left;\">marked</span><span style=\"display:inherit;clear:left;\">marked<span class=\"_ _a3\"> </span><span class=\"ls142 ws1f1\">To<span class=\"_ _8\"></span>t<span class=\"_ _a\"></span>a<span class=\"_ _a\"></span>l<span class=\"_ _8\"></span>t</span></span><span style=\"display:inherit;clear:left;\">80<span class=\"_ _9b\"> </span></span><span style=\"display:inherit;clear:left;\">4<span class=\"_ _8\"></span>07<span class=\"_ _86\"> </span></span><span style=\"display:inherit;clear:left;\">4<span class=\"_ _8\"></span>87<span class=\"_ _b8\"> </span></span><span style=\"display:inherit;clear:left;\">Inntil<span class=\"_ _1\"></span> 30 dager<span class=\"_ _25f\"> </span></span><span style=\"display:inherit;clear:left;\">163<span class=\"_ _108\"> </span><span class=\"ls59 wsac\">41<span class=\"_ _8\"></span>0<span class=\"_ _6e\"> </span><span class=\"ls12f ws1d9\">573</span></span></span><span style=\"display:inherit;clear:left;\">26<span class=\"_ _94\"> </span><span class=\"ls6 ws6\">1<span class=\"_ _a\"></span>07<span class=\"_ _74\"> </span><span class=\"ls9 ws9\">133<span class=\"_ _b9\"> </span><span class=\"ls0 ws0\">31\u201390 dager<span class=\"_ _14f\"> </span><span class=\"ls31 ws81\">57<span class=\"_ _94\"> </span></span></span></span>1<span class=\"_ _a\"></span>07<span class=\"_ _ba\"> </span><span class=\"ls0 ws0\">164</span></span></span><span style=\"display:inherit;clear:left;\">87<span class=\"_ _86\"> </span></span><span style=\"display:inherit;clear:left;\">6<span class=\"_ _8\"></span>69<span class=\"_ _6f\"> </span></span><span style=\"display:inherit;clear:left;\">756<span class=\"_ _b8\"> </span></span><span style=\"display:inherit;clear:left;\">Mer enn 90 dager<span class=\"_ _179\"> </span>116<span class=\"_ _6f\"> </span><span class=\"ls137 ws1e4\">672<span class=\"_ _108\"> </span><span class=\"ls61 wsb5\">78<span class=\"_ _8\"></span>8</span></span></span><span style=\"display:inherit;clear:left;\">193<span class=\"_ _89\"> </span><span class=\"ls0 ws0\">1 182<span class=\"_ _b7\"> </span><span class=\"ls61 wsb5\">1<span class=\"_ _a\"></span> 376<span class=\"_ _b8\"> </span></span>Brutt<span class=\"_ _1\"></span>o utl\u00e5n med be<span class=\"_ _1\"></span>talingsmislighold<span class=\"_ _260\"> </span><span class=\"ls61 wsb5\">3<span class=\"_ _8\"></span>37<span class=\"_ _89\"> </span></span>1 188<span class=\"_ _cb\"> </span><span class=\"ls8 ws8\">1<span class=\"_ _8\"></span> 525</span></span></span><span style=\"display:inherit;clear:left;\">31/12-<span class=\"_ _1\"></span>2022<span class=\"_ _1bf\"> </span>31/12<span class=\"_ _1\"></span>-<span class=\"_ _1\"></span>2022</span><span style=\"display:inherit;clear:left;\">Pers<span class=\"_ _8\"></span>on-</span><span style=\"display:inherit;clear:left;\">Be<span class=\"_ _8\"></span>d<span class=\"_ _8\"></span>ri<span class=\"_ _8\"></span>ft<span class=\"_ _8\"></span>s-<span class=\"ls0 ws0\"> </span></span><span style=\"display:inherit;clear:left;\">Pers<span class=\"_ _8\"></span>on-</span><span style=\"display:inherit;clear:left;\">Be<span class=\"_ _8\"></span>d<span class=\"_ _8\"></span>ri<span class=\"_ _8\"></span>ft<span class=\"_ _8\"></span>s-<span class=\"ls0 ws0\"> </span></span><span style=\"display:inherit;clear:left;\">marked</span><span style=\"display:inherit;clear:left;\">marked<span class=\"_ _a3\"> </span><span class=\"ls142 ws1f1\">To<span class=\"_ _8\"></span>t<span class=\"_ _a\"></span>a<span class=\"_ _a\"></span>l<span class=\"_ _8\"></span>t</span></span><span style=\"display:inherit;clear:left;\">marked</span><span style=\"display:inherit;clear:left;\">marked<span class=\"_ _a3\"> </span><span class=\"ls142 ws1f1\">To<span class=\"_ _8\"></span>t<span class=\"_ _a\"></span>a<span class=\"_ _a\"></span>l<span class=\"_ _8\"></span>t</span></span><span style=\"display:inherit;clear:left;\">79<span class=\"_ _94\"> </span></span><span style=\"display:inherit;clear:left;\">1<span class=\"_ _8\"></span>74<span class=\"_ _86\"> </span></span><span style=\"display:inherit;clear:left;\">254<span class=\"_ _11a\"> </span></span><span style=\"display:inherit;clear:left;\">Inntil 30 dager<span class=\"_ _14e\"> </span></span><span style=\"display:inherit;clear:left;\">165<span class=\"_ _6e\"> </span><span class=\"ls9a wsf7\">180<span class=\"_ _8e\"> </span><span class=\"ls133 ws1e0\">346</span></span></span><span style=\"display:inherit;clear:left;\">30<span class=\"_ _74\"> </span><span class=\"ls31 ws81\">175<span class=\"_ _65\"> </span><span class=\"ls125 ws1cf\">20<span class=\"_ _8\"></span>5<span class=\"_ _11a\"> </span><span class=\"ls0 ws0\">31\u201360 dager<span class=\"_ _1fb\"> </span>64<span class=\"_ _94\"> </span></span></span>1<span class=\"_ _8\"></span>75<span class=\"_ _6f\"> </span><span class=\"ls136 ws1e3\">239</span></span></span><span style=\"display:inherit;clear:left;\">62<span class=\"_ _65\"> </span></span><span style=\"display:inherit;clear:left;\">355<span class=\"_ _ba\"> </span></span><span style=\"display:inherit;clear:left;\">41<span class=\"_ _a\"></span>8<span class=\"_ _b8\"> </span></span><span style=\"display:inherit;clear:left;\">Mer enn 90 dager<span class=\"_ _179\"> </span>112<span class=\"_ _189\"> </span><span class=\"ls12c ws1d6\">360<span class=\"_ _108\"> </span><span class=\"ls13e ws1ec\">47<span class=\"_ _8\"></span>2</span></span></span><span style=\"display:inherit;clear:left;\">171<span class=\"_ _65\"> </span><span class=\"ls4a ws9d\">705<span class=\"_ _108\"> </span>876<span class=\"_ _b8\"> </span></span>Brutt<span class=\"_ _1\"></span>o utl\u00e5n med be<span class=\"_ _1\"></span>talingsmislighold<span class=\"_ _ef\"> </span><span class=\"ls16 ws16\">3<span class=\"_ _8\"></span>41<span class=\"_ _ba\"> </span></span>716<span class=\"_ _cc\"> </span><span class=\"ls108 ws16a\">1<span class=\"_ _8\"></span> 056</span></span><span style=\"display:inherit;clear:left;\">No<span class=\"_ _1\"></span>te 18 Garantie<span class=\"_ _1\"></span>r og pan<span class=\"_ _1\"></span>tstillelse<span class=\"_ _1\"></span>r</span><span style=\"display:inherit;clear:left;\">MORBANK<span class=\"_ _12c\"> </span><span class=\"lsc wsc\">KONSERN</span></span><span style=\"display:inherit;clear:left;\">3<span class=\"_ _8\"></span>1/<span class=\"_ _a\"></span>1<span class=\"_ _8\"></span>2-2<span class=\"_ _8\"></span>2<span class=\"_ _57\"> </span>3<span class=\"_ _8\"></span>1<span class=\"_ _8\"></span>/<span class=\"_ _8\"></span>1<span class=\"_ _8\"></span>2-2<span class=\"_ _8\"></span>3<span class=\"_ _b8\"> </span></span><span style=\"display:inherit;clear:left;\">T<span class=\"_ _2\"></span>ypefordeling<span class=\"_ _1\"></span> av<span class=\"_ _1\"></span> garant<span class=\"_ _1\"></span>ier<span class=\"_ _f6\"> </span><span class=\"ls13 ws13\">3<span class=\"_ _8\"></span>1/<span class=\"_ _a\"></span>1<span class=\"_ _8\"></span>2-2<span class=\"_ _8\"></span>3<span class=\"_ _57\"> </span>3<span class=\"_ _8\"></span>1<span class=\"_ _8\"></span>/<span class=\"_ _8\"></span>1<span class=\"_ _8\"></span>2-2<span class=\"_ _8\"></span>2</span></span><span style=\"display:inherit;clear:left;\">1 866<span class=\"_ _90\"> </span></span><span style=\"display:inherit;clear:left;\">1 7<span class=\"_ _8\"></span>70<span class=\"_ _11a\"> </span></span><span style=\"display:inherit;clear:left;\">Betalingsgarantier<span class=\"_ _167\"> </span><span class=\"ls4a ws9d\">1<span class=\"_ _8\"></span> 76<span class=\"_ _8\"></span>7<span class=\"_ _cb\"> </span></span></span><span style=\"display:inherit;clear:left;\">1 864</span><span style=\"display:inherit;clear:left;\">912<span class=\"_ _86\"> </span></span><span style=\"display:inherit;clear:left;\">8<span class=\"_ _8\"></span>78<span class=\"_ _11a\"> </span></span><span style=\"display:inherit;clear:left;\">Kon<span class=\"_ _1\"></span>traktsgarantier<span class=\"_ _263\"> </span><span class=\"ls108 ws16a\">878<span class=\"_ _94\"> </span><span class=\"ls122 ws1cc\">912</span></span></span><span style=\"display:inherit;clear:left;\">85<span class=\"_ _17\"> </span></span><span style=\"display:inherit;clear:left;\">81<span class=\"_ _b9\"> </span></span><span style=\"display:inherit;clear:left;\">Garantier f<span class=\"_ _1\"></span>or ska<span class=\"_ _1\"></span>tter<span class=\"_ _264\"> </span><span class=\"ls33 ws84\">81<span class=\"_ _12\"> </span><span class=\"ls2 ws2\">85</span></span></span><span style=\"display:inherit;clear:left;\">259<span class=\"_ _ba\"> </span></span><span style=\"display:inherit;clear:left;\">315<span class=\"_ _11a\"> </span></span><span style=\"display:inherit;clear:left;\">Annet garan<span class=\"_ _1\"></span>tiansvar<span class=\"_ _7f\"> </span><span class=\"ls125 ws1cf\">270<span class=\"_ _6e\"> </span><span class=\"lsa wsa\">2<span class=\"_ _8\"></span>14</span></span></span><span style=\"display:inherit;clear:left;\">3 122<span class=\"_ _db\"> </span></span><span style=\"display:inherit;clear:left;\">3 04<span class=\"_ _8\"></span>3<span class=\"_ _b9\"> </span></span><span style=\"display:inherit;clear:left;\">Garantiansv<span class=\"_ _1\"></span>ar o<span class=\"_ _1\"></span>verfor ku<span class=\"_ _1\"></span>nder<span class=\"_ _265\"> </span><span class=\"ls0 ws0\">2 996<span class=\"_ _c9\"> </span><span class=\"ls21 ws175\">3 075</span></span></span><span style=\"display:inherit;clear:left;\">10<span class=\"_ _8\"></span>1 573<span class=\"_ _10a\"> </span><span class=\"lsd wsd\">11<span class=\"_ _1\"></span> 000<span class=\"_ _b9\"> </span><span class=\"lse wse\">Konsernintern likviditetsfasilite<span class=\"_ _1\"></span>t</span></span></span><span style=\"display:inherit;clear:left;\">104 695<span class=\"_ _19\"> </span></span><span style=\"display:inherit;clear:left;\">14 0<span class=\"_ _8\"></span>43<span class=\"_ _11a\"> </span></span><span style=\"display:inherit;clear:left;\">Sum garantians<span class=\"_ _1\"></span>var<span class=\"_ _15f\"> </span><span class=\"ls0 ws0\">2 996<span class=\"_ _dc\"> </span><span class=\"ls83 wsdd\">3 075</span></span></span><span style=\"display:inherit;clear:left;\">Pantstillelser</span><span style=\"display:inherit;clear:left;\">1 2<span class=\"_ _8\"></span>70<span class=\"_ _cb\"> </span></span><span style=\"display:inherit;clear:left;\">1 035<span class=\"_ _11a\"> </span></span><span style=\"display:inherit;clear:left;\">P\u00e5lydende v<span class=\"_ _1\"></span>erdi<span class=\"_ _1\"></span> p\u00e5 obligasjoner deponert hos Clearinghus<span class=\"_ _214\"> </span><span class=\"ls0 ws0\">1 0<span class=\"_ _8\"></span>35<span class=\"_ _b7\"> </span><span class=\"ls125 ws1cf\">1<span class=\"_ _8\"></span> 270</span></span></span><span style=\"display:inherit;clear:left;\">20 73<span class=\"_ _8\"></span>9<span class=\"_ _d8\"> </span></span><span style=\"display:inherit;clear:left;\">18<span class=\"_ _8\"></span> 52<span class=\"_ _8\"></span>1<span class=\"_ _11a\"> </span></span><span style=\"display:inherit;clear:left;\">P\u00e5ly<span class=\"_ _1\"></span>dende ver<span class=\"_ _1\"></span>di p\u00e5<span class=\"_ _1\"></span> obligasjoner deponert i Norges<span class=\"_ _1\"></span> Bank<span class=\"_ _20b\"> </span><span class=\"ls126 ws1d0\">18<span class=\"_ _8\"></span> 521<span class=\"_ _ea\"> </span><span class=\"ls120 ws1cb\">2<span class=\"_ _8\"></span>0 739</span></span></span><span style=\"display:inherit;clear:left;\">22 009<span class=\"_ _5b\"> </span>19 55<span class=\"_ _8\"></span>6<span class=\"_ _b9\"> </span><span class=\"lsd wsd\">Sum pantstillelser<span class=\"_ _266\"> </span></span>19 556<span class=\"_ _111\"> </span>22 009</span>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfCommitmentsAndContingentLiabilitiesExplanatory",
    "language": "no",
    "entity": "scheme:213800M7T3CYVZ3ZRT12",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "s10_notes__6__10-1": {
   "value": "<span style=\"display:inherit;clear:left;\">Note 1 G<span class=\"_ _8\"></span>enerel<span class=\"_ _8\"></span>le reg<span class=\"_ _8\"></span>nskap<span class=\"_ _8\"></span>spr<span class=\"_ _8\"></span>ins<span class=\"_ _8\"></span>ipper</span><span style=\"display:inherit;clear:left;\">GENEREL<span class=\"_ _0\"></span>T</span><span style=\"display:inherit;clear:left;\">I konsernr<span class=\"_ _1\"></span>egnskape<span class=\"_ _1\"></span>t f<span class=\"_ _1\"></span>or Spar<span class=\"_ _1\"></span>ebanken V<span class=\"_ _2\"></span>est inng\u00e5r morbank<span class=\"_ _1\"></span>en </span><span style=\"display:inherit;clear:left;\">Sparebank<span class=\"_ _1\"></span>en V<span class=\"_ _2\"></span>est samt de heleide da<span class=\"_ _2\"></span>tterselskapene </span><span style=\"display:inherit;clear:left;\">Sparebank<span class=\"_ _1\"></span>en V<span class=\"_ _2\"></span>est Boligkr<span class=\"_ _1\"></span>editt AS<span class=\"_ _1\"></span>, Eiendomsmegler V<span class=\"_ _2\"></span>est AS og </span><span style=\"display:inherit;clear:left;\">Jonsv<span class=\"_ _1\"></span>oll Utleie AS<span class=\"_ _1\"></span>. I tillegg inng\u00e5r F<span class=\"_ _2\"></span>rende Holding AS<span class=\"_ _1\"></span>, Norne </span><span style=\"display:inherit;clear:left;\">Securities AS, Br<span class=\"_ _1\"></span>ag<span class=\"_ _1\"></span>e Finans AS<span class=\"_ _1\"></span>, Balder Betaling A<span class=\"_ _1\"></span>S og F<span class=\"_ _2\"></span>olio AS </span><span style=\"display:inherit;clear:left;\">som tilknyt<span class=\"_ _1\"></span>tede selskaper<span class=\"_ _0\"></span>. Det hen<span class=\"_ _1\"></span>vises til not<span class=\"_ _1\"></span>e 20 f<span class=\"_ _1\"></span>or \u00f8<span class=\"_ _1\"></span>vrig<span class=\"_ _1\"></span>e </span><span style=\"display:inherit;clear:left;\">detaljer<span class=\"_ _0\"></span>.</span><span style=\"display:inherit;clear:left;\">Alle bel\u00f8p i regnsk<span class=\"_ _1\"></span>ap og not<span class=\"_ _1\"></span>er er oppgitt i millioner kr<span class=\"_ _1\"></span>oner </span><span style=\"display:inherit;clear:left;\">dersom ikke anne<span class=\"_ _1\"></span>t er angitt spesifikt. Konsernr<span class=\"_ _1\"></span>egnsk<span class=\"_ _1\"></span>apet er </span><span style=\"display:inherit;clear:left;\">a<span class=\"_ _1\"></span>vlagt under f<span class=\"_ _1\"></span>orutsetning om f<span class=\"_ _1\"></span>ortsa<span class=\"_ _1\"></span>t<span class=\"_ _1\"></span>t drift</span><span style=\"display:inherit;clear:left;\">Sparebank<span class=\"_ _1\"></span>en V<span class=\"_ _2\"></span>est har egenkapitalbe<span class=\"_ _1\"></span>vis no<span class=\"_ _1\"></span>tert p\u00e5 Oslo B\u00f8rs. </span><span style=\"display:inherit;clear:left;\">Banken er lokalisert i V<span class=\"_ _2\"></span>estland, Rogaland, og M\u00f8r<span class=\"_ _1\"></span>e og Romsdal </span><span style=\"display:inherit;clear:left;\">med hov<span class=\"_ _1\"></span>edk<span class=\"_ _1\"></span>on<span class=\"_ _1\"></span>tor i Ber<span class=\"_ _1\"></span>gen. Ho<span class=\"_ _1\"></span>v<span class=\"_ _1\"></span>edk<span class=\"_ _1\"></span>ont<span class=\"_ _1\"></span>or og d\u00f8<span class=\"_ _1\"></span>tre har a<span class=\"_ _1\"></span>dr<span class=\"_ _1\"></span>esse </span><span style=\"display:inherit;clear:left;\">Jonsv<span class=\"_ _1\"></span>ollsga<span class=\"_ _1\"></span>t<span class=\"_ _1\"></span>en 2, 5011 Ber<span class=\"_ _1\"></span>g<span class=\"_ _1\"></span>en.</span><span style=\"display:inherit;clear:left;\">\u00c5rsr<span class=\"_ _1\"></span>egnskap 2<span class=\"_ _1\"></span>02<span class=\"_ _1\"></span>3 f<span class=\"_ _1\"></span>or Sparebank<span class=\"_ _1\"></span>en V<span class=\"_ _2\"></span>est konsern er behandle<span class=\"_ _1\"></span>t </span><span style=\"display:inherit;clear:left;\">og vedt<span class=\"_ _1\"></span>a<span class=\"_ _1\"></span>tt i s<span class=\"_ _1\"></span>tyr<span class=\"_ _1\"></span>em\u00f8t<span class=\"_ _1\"></span>e den 21. f<span class=\"_ _1\"></span>ebruar 20<span class=\"_ _1\"></span>2<span class=\"_ _1\"></span>4.</span><span style=\"display:inherit;clear:left;\">Generalf<span class=\"_ _1\"></span>or<span class=\"_ _1\"></span>samlingen er bank<span class=\"_ _1\"></span>ens \u00f8v<span class=\"_ _1\"></span>er<span class=\"_ _1\"></span>st<span class=\"_ _1\"></span>e org<span class=\"_ _1\"></span>an.</span><span style=\"display:inherit;clear:left;\">GRUNNLAG F<span class=\"_ _1\"></span>OR UT<span class=\"_ _0\"></span>ARBEIDELSE A<span class=\"_ _1\"></span>V \u00c5RSRE<span class=\"_ _1\"></span>GNSKAPET</span><span style=\"display:inherit;clear:left;\">Konsernr<span class=\"_ _1\"></span>egnskape<span class=\"_ _1\"></span>t er utarbeide<span class=\"_ _1\"></span>t i samsv<span class=\"_ _1\"></span>ar med In<span class=\"_ _1\"></span>terna<span class=\"_ _2\"></span>tional </span><span style=\"display:inherit;clear:left;\">Financial Reporting Standar<span class=\"_ _1\"></span>ds (IFRS) som f<span class=\"_ _1\"></span>astsa<span class=\"_ _2\"></span>tt av EU<span class=\"_ _1\"></span>, </span><span style=\"display:inherit;clear:left;\">publisert av In<span class=\"_ _1\"></span>t<span class=\"_ _1\"></span>erna<span class=\"_ _1\"></span>tional Accoun<span class=\"_ _1\"></span>ting S<span class=\"_ _1\"></span>tandards Boar<span class=\"_ _1\"></span>d (IA<span class=\"_ _1\"></span>SB) og </span><span style=\"display:inherit;clear:left;\">som er pliktige per 3<span class=\"_ _1\"></span>1. desember 20<span class=\"_ _1\"></span>23<span class=\"_ _1\"></span>. </span><span style=\"display:inherit;clear:left;\">Konsernr<span class=\"_ _1\"></span>egnskape<span class=\"_ _1\"></span>t legger til grunn prinsippene i e<span class=\"_ _1\"></span>t his<span class=\"_ _1\"></span>torisk </span><span style=\"display:inherit;clear:left;\">kos<span class=\"_ _1\"></span>t r<span class=\"_ _1\"></span>egnskap med visse unn<span class=\"_ _1\"></span>tak. Finansielle eiendeler og gjeld </span><span style=\"display:inherit;clear:left;\">ver<span class=\"_ _1\"></span>dse<span class=\"_ _1\"></span>tt<span class=\"_ _1\"></span>es og klassifiser<span class=\"_ _1\"></span>es i sams<span class=\"_ _1\"></span>v<span class=\"_ _1\"></span>ar med IFRS 9<span class=\"_ _1\"></span>, og not<span class=\"_ _1\"></span>e-</span><span style=\"display:inherit;clear:left;\">opplysning<span class=\"_ _1\"></span>er er utarbeides i samsv<span class=\"_ _1\"></span>ar med IFRS 7 \u2013 Finansielle </span><span style=\"display:inherit;clear:left;\">instrumen<span class=\"_ _1\"></span>ter \u2013 opply<span class=\"_ _1\"></span>sninger<span class=\"_ _0\"></span>.</span><span style=\"display:inherit;clear:left;\">Konsernr<span class=\"_ _1\"></span>egnskape<span class=\"_ _1\"></span>t er utarbeide<span class=\"_ _1\"></span>t et<span class=\"_ _1\"></span>ter ensart<span class=\"_ _1\"></span>ede r<span class=\"_ _1\"></span>egnskaps-</span><span style=\"display:inherit;clear:left;\">prinsipper for lik<span class=\"_ _1\"></span>e tr<span class=\"_ _1\"></span>ansaksjoner og hendelser under eller<span class=\"_ _1\"></span>s like </span><span style=\"display:inherit;clear:left;\">forhold. </span><span style=\"display:inherit;clear:left;\">Selskapsr<span class=\"_ _1\"></span>egnskapet til Spar<span class=\"_ _1\"></span>ebank<span class=\"_ _1\"></span>en V<span class=\"_ _2\"></span>est er utarbeidet i sams<span class=\"_ _1\"></span>v<span class=\"_ _1\"></span>ar </span><span style=\"display:inherit;clear:left;\">med IFRS som f<span class=\"_ _1\"></span>astsa<span class=\"_ _1\"></span>t<span class=\"_ _1\"></span>t i f<span class=\"_ _1\"></span>orskrift om \u00e5rsr<span class=\"_ _1\"></span>egnskap f<span class=\"_ _1\"></span>or bank<span class=\"_ _1\"></span>er<span class=\"_ _0\"></span>, </span><span style=\"display:inherit;clear:left;\">kredit<span class=\"_ _1\"></span>tf<span class=\"_ _1\"></span>or<span class=\"_ _1\"></span>etak o<span class=\"_ _1\"></span>g finansieringsf<span class=\"_ _1\"></span>or<span class=\"_ _1\"></span>e<span class=\"_ _1\"></span>tak \u00a7 1-3<span class=\"_ _1\"></span>, 2. ledd. V<span class=\"_ _2\"></span>ed </span><span style=\"display:inherit;clear:left;\">anv<span class=\"_ _1\"></span>endelse a<span class=\"_ _1\"></span>v denne f<span class=\"_ _1\"></span>orskrift i selskapsr<span class=\"_ _1\"></span>egnskape<span class=\"_ _1\"></span>t legg<span class=\"_ _1\"></span>es de </span><span style=\"display:inherit;clear:left;\">samme prinsipper til grunn som for IFRS me<span class=\"_ _1\"></span>d unntak a<span class=\"_ _2\"></span>v </span><span style=\"display:inherit;clear:left;\">regnsk<span class=\"_ _1\"></span>aps <span class=\"_ _4\"></span>f\u00f8ring a<span class=\"_ _2\"></span>v utbytt<span class=\"_ _1\"></span>e, konsernbidr<span class=\"_ _1\"></span>ag og \u00f8<span class=\"_ _1\"></span>vrig<span class=\"_ _1\"></span>e utdeling<span class=\"_ _1\"></span>er </span><span style=\"display:inherit;clear:left;\">knyt<span class=\"_ _1\"></span>te<span class=\"_ _1\"></span>t til r<span class=\"_ _1\"></span>egnskaps\u00e5r<span class=\"_ _1\"></span>et<span class=\"_ _1\"></span>s resulta<span class=\"_ _2\"></span>t<span class=\"_ _8\"></span>. I selskapsr<span class=\"_ _1\"></span>egnskape<span class=\"_ _1\"></span>t er </span><span style=\"display:inherit;clear:left;\">for<span class=\"_ _1\"></span>esl\u00e5<span class=\"_ _2\"></span>tt utbyt<span class=\"_ _1\"></span>te og ga<span class=\"_ _2\"></span>ver til utdeling r<span class=\"_ _1\"></span>egnskaps<span class=\"_ _1\"></span>f<span class=\"_ _1\"></span>\u00f8rt det \u00e5r<span class=\"_ _1\"></span>e<span class=\"_ _1\"></span>t </span><span style=\"display:inherit;clear:left;\">som er grunnlage<span class=\"_ _1\"></span>t f<span class=\"_ _1\"></span>or utdeling<span class=\"_ _1\"></span>en.</span><span style=\"display:inherit;clear:left;\">Utarbeidelsen a<span class=\"_ _1\"></span>v \u00e5rsr<span class=\"_ _1\"></span>egnskape<span class=\"_ _1\"></span>t og bruk a<span class=\"_ _1\"></span>v IFRS kr<span class=\"_ _1\"></span>ev<span class=\"_ _1\"></span>er bruk a<span class=\"_ _1\"></span>v </span><span style=\"display:inherit;clear:left;\">estima<span class=\"_ _1\"></span>t<span class=\"_ _1\"></span>er<span class=\"_ _0\"></span>. Videre kre<span class=\"_ _1\"></span>v<span class=\"_ _1\"></span>er anv<span class=\"_ _1\"></span>endelse a<span class=\"_ _1\"></span>v de in<span class=\"_ _1\"></span>ternasjonale </span><span style=\"display:inherit;clear:left;\">standar<span class=\"_ _1\"></span>der a<span class=\"_ _1\"></span>t ledelsen m\u00e5 ut<span class=\"_ _1\"></span>\u00f8<span class=\"_ _1\"></span>ve skj\u00f8nn. Omr<span class=\"_ _1\"></span>\u00e5der som i s<span class=\"_ _1\"></span>t<span class=\"_ _1\"></span>or gra<span class=\"_ _1\"></span>d </span><span style=\"display:inherit;clear:left;\">inneholder slike skj\u00f8nnsmes<span class=\"_ _1\"></span>sige es<span class=\"_ _1\"></span>tima<span class=\"_ _1\"></span>ter<span class=\"_ _0\"></span>, h\u00f8y gr<span class=\"_ _1\"></span>ad a<span class=\"_ _2\"></span>v </span><span style=\"display:inherit;clear:left;\">kompleksit<span class=\"_ _1\"></span>e<span class=\"_ _1\"></span>t, eller omr\u00e5<span class=\"_ _1\"></span>der hv<span class=\"_ _1\"></span>or f<span class=\"_ _1\"></span>orutsetning<span class=\"_ _1\"></span>er og es<span class=\"_ _1\"></span>tima<span class=\"_ _1\"></span>ter er </span><span style=\"display:inherit;clear:left;\">vesen<span class=\"_ _1\"></span>tlig<span class=\"_ _1\"></span>e f<span class=\"_ _1\"></span>or morbank<span class=\"_ _1\"></span>- eller konsernr<span class=\"_ _1\"></span>egnskap er beskr<span class=\"_ _1\"></span>e<span class=\"_ _1\"></span>v<span class=\"_ _1\"></span>et i </span><span style=\"display:inherit;clear:left;\">not<span class=\"_ _1\"></span>e 2. </span><span style=\"display:inherit;clear:left;\">ENDRINGER I REGNSKAPSPRINSIPPER</span><span style=\"display:inherit;clear:left;\">Det er ing<span class=\"_ _1\"></span>en ny<span class=\"_ _1\"></span>e s<span class=\"_ _1\"></span>tandar<span class=\"_ _1\"></span>der som har tr<span class=\"_ _1\"></span>\u00e5dt i kr<span class=\"_ _1\"></span>a<span class=\"_ _1\"></span>ft med virkning </span><span style=\"display:inherit;clear:left;\">for r<span class=\"_ _1\"></span>egnsk<span class=\"_ _1\"></span>aps\u00e5re<span class=\"_ _1\"></span>t 2<span class=\"_ _1\"></span>02<span class=\"_ _1\"></span>3. De<span class=\"_ _1\"></span>t er gjort enkelt<span class=\"_ _1\"></span>e endringer i </span><span style=\"display:inherit;clear:left;\">gjeldende standar<span class=\"_ _1\"></span>der ut<span class=\"_ _1\"></span>en a<span class=\"_ _1\"></span>t det<span class=\"_ _1\"></span>te har ha<span class=\"_ _2\"></span>tt mat<span class=\"_ _1\"></span>eriell ef<span class=\"_ _1\"></span>f<span class=\"_ _1\"></span>ekt for </span><span style=\"display:inherit;clear:left;\">Sparebank<span class=\"_ _1\"></span>en V<span class=\"_ _2\"></span>est. IAS 1 \u2013 Pre<span class=\"_ _1\"></span>senta<span class=\"_ _2\"></span>tion of Financial Sta<span class=\"_ _1\"></span>t<span class=\"_ _1\"></span>ements </span><span style=\"display:inherit;clear:left;\">er noe endre<span class=\"_ _1\"></span>t. Endringen gjelder opply<span class=\"_ _1\"></span>sninger om an<span class=\"_ _1\"></span>v<span class=\"_ _1\"></span>endt </span><span style=\"display:inherit;clear:left;\">regnsk<span class=\"_ _1\"></span>apsprak<span class=\"_ _1\"></span>sis, og klar<span class=\"_ _1\"></span>gj\u00f8r a<span class=\"_ _1\"></span>t det sk<span class=\"_ _1\"></span>al gis opplysninger om </span><span style=\"display:inherit;clear:left;\">vesen<span class=\"_ _1\"></span>tlig<span class=\"_ _1\"></span>e (\u00abma<span class=\"_ _1\"></span>terial\u00bb) r<span class=\"_ _1\"></span>egnskapsprinsipper \u2013 endr<span class=\"_ _1\"></span>e<span class=\"_ _1\"></span>t fr<span class=\"_ _1\"></span>a viktige </span><span style=\"display:inherit;clear:left;\">(\u00absignificant\u00bb). Regnskapsprinsippene er gjennomg<span class=\"_ _1\"></span>\u00e5<span class=\"_ _1\"></span>tt og </span><span style=\"display:inherit;clear:left;\">omf<span class=\"_ _1\"></span>ang<span class=\"_ _1\"></span>et a<span class=\"_ _2\"></span>v beskrivelsene er noe re<span class=\"_ _1\"></span>dusert. I tillegg er en del </span><span style=\"display:inherit;clear:left;\">detaljert<span class=\"_ _1\"></span>e teks<span class=\"_ _1\"></span>tlige opply<span class=\"_ _1\"></span>sninger t<span class=\"_ _1\"></span>a<span class=\"_ _1\"></span>tt ut a<span class=\"_ _1\"></span>v denne no<span class=\"_ _1\"></span>te (prinsipp-</span><span style=\"display:inherit;clear:left;\">not<span class=\"_ _1\"></span>en) og innarbeidet i de r<span class=\"_ _1\"></span>espektiv<span class=\"_ _1\"></span>e tallopps<span class=\"_ _1\"></span>tillingene i </span><span style=\"display:inherit;clear:left;\">et<span class=\"_ _1\"></span>terf<span class=\"_ _1\"></span>\u00f8lgende no<span class=\"_ _1\"></span>t<span class=\"_ _1\"></span>er<span class=\"_ _2\"></span>. </span><span style=\"display:inherit;clear:left;\">K<span class=\"_ _1\"></span>ONSOLIDERINGSPRINSIPPER</span><span style=\"display:inherit;clear:left;\">Regnskapsprinsippene anv<span class=\"_ _1\"></span>endes k<span class=\"_ _1\"></span>onsist<span class=\"_ _1\"></span>ent v<span class=\"_ _1\"></span>ed innarbeiding a<span class=\"_ _1\"></span>v </span><span style=\"display:inherit;clear:left;\">eierint<span class=\"_ _1\"></span>er<span class=\"_ _1\"></span>esser i k<span class=\"_ _1\"></span>onsernselskaper og er basert p\u00e5 de samme </span><span style=\"display:inherit;clear:left;\">rapport<span class=\"_ _1\"></span>eringsperiodene som f<span class=\"_ _1\"></span>or morselskape<span class=\"_ _1\"></span>t. </span><span style=\"display:inherit;clear:left;\">Konsernin<span class=\"_ _1\"></span>terne tr<span class=\"_ _1\"></span>ansak<span class=\"_ _1\"></span>sjoner og konsernmellom<span class=\"_ _1\"></span>v<span class=\"_ _1\"></span>\u00e6r<span class=\"_ _1\"></span>ende, </span><span style=\"display:inherit;clear:left;\">inkludert int<span class=\"_ _1\"></span>ernf<span class=\"_ _1\"></span>ortjenes<span class=\"_ _1\"></span>te og ur<span class=\"_ _1\"></span>ealisert ge<span class=\"_ _1\"></span>vinst og tap<span class=\"_ _1\"></span>, </span><span style=\"display:inherit;clear:left;\"><span><span style=\"display:inherit;clear:left;\">elimineres v<span class=\"_ _1\"></span>ed utarbeidelse a<span class=\"_ _2\"></span>v konsernregnskape<span class=\"_ _1\"></span>t.</span></span> </span><span style=\"display:inherit;clear:left;\">V<span class=\"_ _2\"></span>ALUT<span class=\"_ _2\"></span>A</span><span style=\"display:inherit;clear:left;\">Konserne<span class=\"_ _1\"></span>ts pr<span class=\"_ _1\"></span>esen<span class=\"_ _1\"></span>tasjonsv<span class=\"_ _1\"></span>aluta er norsk<span class=\"_ _1\"></span>e kr<span class=\"_ _1\"></span>oner<span class=\"_ _0\"></span>. Dett<span class=\"_ _1\"></span>e er ogs\u00e5 </span><span style=\"display:inherit;clear:left;\">morselskape<span class=\"_ _1\"></span>t, da<span class=\"_ _1\"></span>tter<span class=\"_ _1\"></span>selskap og tilkn<span class=\"_ _1\"></span>ytt<span class=\"_ _1\"></span>ede selskap sin </span><span style=\"display:inherit;clear:left;\">funksjonelle v<span class=\"_ _1\"></span>aluta. </span><span style=\"display:inherit;clear:left;\">Bankens f<span class=\"_ _1\"></span>or<span class=\"_ _1\"></span>dringer og gjeld i ut<span class=\"_ _1\"></span>enlandsk v<span class=\"_ _1\"></span>aluta er i r<span class=\"_ _1\"></span>egnskape<span class=\"_ _1\"></span>t </span><span style=\"display:inherit;clear:left;\">omregne<span class=\"_ _1\"></span>t til kur<span class=\"_ _1\"></span>sen p\u00e5 balansedagen. V<span class=\"_ _2\"></span>alutapost<span class=\"_ _1\"></span>ene er </span><span style=\"display:inherit;clear:left;\">hov<span class=\"_ _1\"></span>edsak<span class=\"_ _1\"></span>elig sikr<span class=\"_ _1\"></span>et v<span class=\"_ _1\"></span>ed tils<span class=\"_ _1\"></span>v<span class=\"_ _1\"></span>ar<span class=\"_ _1\"></span>ende post<span class=\"_ _1\"></span>er p\u00e5 motsa<span class=\"_ _2\"></span>tt side av </span><span style=\"display:inherit;clear:left;\">balansen eller ved bruk a<span class=\"_ _2\"></span>v deriva<span class=\"_ _1\"></span>ter<span class=\"_ _0\"></span>.</span><span style=\"display:inherit;clear:left;\">Innt<span class=\"_ _1\"></span>ekter og k<span class=\"_ _1\"></span>ostna<span class=\"_ _1\"></span>der i v<span class=\"_ _1\"></span>aluta er omr<span class=\"_ _1\"></span>egnet til nor<span class=\"_ _1\"></span>ske kr<span class=\"_ _1\"></span>oner </span><span style=\"display:inherit;clear:left;\">et<span class=\"_ _1\"></span>ter k<span class=\"_ _1\"></span>ursen p\u00e5 tr<span class=\"_ _1\"></span>ansaksjonstidspunkt<span class=\"_ _1\"></span>e<span class=\"_ _1\"></span>t.</span><span style=\"display:inherit;clear:left;\">F<span class=\"_ _1\"></span>ORPLIKTELSER<span class=\"ff4\">/</span>A<span class=\"_ _2\"></span>VSETNINGER</span><span style=\"display:inherit;clear:left;\">A<span class=\"_ _1\"></span>vse<span class=\"_ _1\"></span>tning f<span class=\"_ _1\"></span>or f<span class=\"_ _1\"></span>orpliktelser er f<span class=\"_ _1\"></span>or<span class=\"_ _1\"></span>e<span class=\"_ _1\"></span>ta<span class=\"_ _1\"></span>tt i sams<span class=\"_ _1\"></span>v<span class=\"_ _1\"></span>ar med IAS 3<span class=\"_ _2\"></span>7<span class=\"_ _2\"></span>. Kra<span class=\"_ _1\"></span>v </span><span style=\"display:inherit;clear:left;\">til a<span class=\"_ _1\"></span>vse<span class=\"_ _1\"></span>tning er a<span class=\"_ _1\"></span>t de<span class=\"_ _1\"></span>t eksist<span class=\"_ _1\"></span>er<span class=\"_ _1\"></span>er en f<span class=\"_ _1\"></span>orpliktelse som f<span class=\"_ _1\"></span>\u00f8lg<span class=\"_ _1\"></span>e a<span class=\"_ _1\"></span>v </span><span style=\"display:inherit;clear:left;\">tidliger<span class=\"_ _1\"></span>e hendelser<span class=\"_ _0\"></span>, og at de<span class=\"_ _1\"></span>t er sannsynlighe<span class=\"_ _1\"></span>tso<span class=\"_ _1\"></span>v<span class=\"_ _1\"></span>ervekt f<span class=\"_ _1\"></span>or a<span class=\"_ _1\"></span>t </span><span style=\"display:inherit;clear:left;\">forplikt<span class=\"_ _1\"></span>elsen vil k<span class=\"_ _1\"></span>omme til oppgj\u00f8r<span class=\"_ _2\"></span>. A<span class=\"_ _1\"></span>vse<span class=\"_ _1\"></span>tning<span class=\"_ _1\"></span>en er ber<span class=\"_ _1\"></span>egnet som </span><span style=\"display:inherit;clear:left;\">n\u00e5<span class=\"_ _1\"></span>ver<span class=\"_ _1\"></span>dien a<span class=\"_ _2\"></span>v forven<span class=\"_ _1\"></span>tede utbe<span class=\"_ _1\"></span>taling<span class=\"_ _1\"></span>er f<span class=\"_ _1\"></span>or \u00e5 innfri f<span class=\"_ _1\"></span>orplikt<span class=\"_ _1\"></span>elsen.</span><span style=\"display:inherit;clear:left;\">HENDELSER ETTER BALANSEDA<span class=\"_ _1\"></span>GEN</span><span style=\"display:inherit;clear:left;\">Det opply<span class=\"_ _1\"></span>ses om hendelser et<span class=\"_ _1\"></span>ter balanse<span class=\"_ _1\"></span>dagen i samsv<span class=\"_ _2\"></span>ar med </span><span style=\"display:inherit;clear:left;\">IAS 10<span class=\"_ _1\"></span>. Opplysning<span class=\"_ _1\"></span>ene omf<span class=\"_ _1\"></span>a<span class=\"_ _2\"></span>tter hendelser som ikke innr<span class=\"_ _1\"></span>egnes i </span><span style=\"display:inherit;clear:left;\">konserne<span class=\"_ _1\"></span>ts finansr<span class=\"_ _1\"></span>egnskap<span class=\"_ _1\"></span>, men som er a<span class=\"_ _1\"></span>v en slik art at de er </span><span style=\"display:inherit;clear:left;\">vesen<span class=\"_ _1\"></span>tlig<span class=\"_ _1\"></span>e f<span class=\"_ _1\"></span>or vurdering a<span class=\"_ _2\"></span>v virksomheten.</span><span style=\"display:inherit;clear:left;\">K<span class=\"_ _1\"></span>OMMENDE ENDRINGER TIL ST<span class=\"_ _0\"></span>ANDARDER OG </span><span style=\"display:inherit;clear:left;\">F<span class=\"_ _1\"></span>ORTOLKNINGER</span><span style=\"display:inherit;clear:left;\">Per 3<span class=\"_ _1\"></span>1. desember 2<span class=\"_ _1\"></span>02<span class=\"_ _1\"></span>3 er det r<span class=\"_ _1\"></span>ela<span class=\"_ _1\"></span>tivt f<span class=\"_ _1\"></span>\u00e5 kjen<span class=\"_ _1\"></span>t<span class=\"_ _1\"></span>e frem<span class=\"_ _1\"></span>tidig<span class=\"_ _1\"></span>e </span><span style=\"display:inherit;clear:left;\">endringer i r<span class=\"_ _1\"></span>egnskapsprinsipper som f<span class=\"_ _1\"></span>\u00e5r k<span class=\"_ _1\"></span>onsekvenser f<span class=\"_ _1\"></span>or </span><span style=\"display:inherit;clear:left;\">regnsk<span class=\"_ _1\"></span>apet til Spar<span class=\"_ _1\"></span>ebank<span class=\"_ _1\"></span>en V<span class=\"_ _2\"></span>est.  </span><span style=\"display:inherit;clear:left;\">Det er an<span class=\"_ _1\"></span>ta<span class=\"_ _1\"></span>t<span class=\"_ _1\"></span>t a<span class=\"_ _1\"></span>t kjen<span class=\"_ _1\"></span>te endring<span class=\"_ _1\"></span>er ikke vil gi noen ma<span class=\"_ _1\"></span>teriell e<span class=\"_ _1\"></span>ff<span class=\"_ _1\"></span>ekt </span><span style=\"display:inherit;clear:left;\">for r<span class=\"_ _1\"></span>egnsk<span class=\"_ _1\"></span>apet til Spar<span class=\"_ _1\"></span>ebank<span class=\"_ _1\"></span>en V<span class=\"_ _2\"></span>est.</span><span style=\"display:inherit;clear:left;\">No<span class=\"_ _1\"></span>te 2 R<span class=\"_ _1\"></span>egnska<span class=\"_ _1\"></span>psestimat<span class=\"_ _1\"></span>er og s<span class=\"_ _1\"></span>kj\u00f8nnsmessi<span class=\"_ _1\"></span>ge vurderinger</span><span style=\"display:inherit;clear:left;\">V<span class=\"_ _2\"></span>ed utarbeidelse av \u00e5rsr<span class=\"_ _1\"></span>egnskape<span class=\"_ _1\"></span>t i henhold til IFRS har </span><span style=\"display:inherit;clear:left;\">konserne<span class=\"_ _1\"></span>ts ledelse ben<span class=\"_ _1\"></span>ytt<span class=\"_ _1\"></span>et es<span class=\"_ _1\"></span>tima<span class=\"_ _1\"></span>ter og f<span class=\"_ _1\"></span>orutse<span class=\"_ _1\"></span>tning<span class=\"_ _1\"></span>er<span class=\"_ _0\"></span>, som </span><span style=\"display:inherit;clear:left;\">p\u00e5<span class=\"_ _1\"></span>virker r<span class=\"_ _1\"></span>egnskaps<span class=\"_ _1\"></span>f<span class=\"_ _1\"></span>\u00f8rt bel\u00f8p for eiendeler<span class=\"_ _0\"></span>, forplikt<span class=\"_ _1\"></span>elser<span class=\"_ _0\"></span>, </span><span style=\"display:inherit;clear:left;\">egenkapital og r<span class=\"_ _1\"></span>esulta<span class=\"_ _2\"></span>t<span class=\"_ _8\"></span>. Benyt<span class=\"_ _1\"></span>tede es<span class=\"_ _1\"></span>tima<span class=\"_ _1\"></span>ter er basert p\u00e5 bes<span class=\"_ _1\"></span>te </span><span style=\"display:inherit;clear:left;\">skj\u00f8nn og forut<span class=\"_ _1\"></span>setning<span class=\"_ _1\"></span>er som er vur<span class=\"_ _1\"></span>dert \u00e5 v\u00e6r<span class=\"_ _1\"></span>e r<span class=\"_ _1\"></span>ealis<span class=\"_ _1\"></span>tiske p\u00e5 </span><span style=\"display:inherit;clear:left;\">balansetidspunkt<span class=\"_ _1\"></span>et. Ny in<span class=\"_ _1\"></span>f<span class=\"_ _1\"></span>ormasjon og fr<span class=\"_ _1\"></span>emtidig<span class=\"_ _1\"></span>e hendelser kan </span><span style=\"display:inherit;clear:left;\">medf<span class=\"_ _1\"></span>\u00f8re v<span class=\"_ _1\"></span>esen<span class=\"_ _1\"></span>tlig endr<span class=\"_ _1\"></span>ede estima<span class=\"_ _2\"></span>ter med tilh\u00f8rende endring i </span><span style=\"display:inherit;clear:left;\">regnsk<span class=\"_ _1\"></span>apsf<span class=\"_ _1\"></span>\u00f8rte s<span class=\"_ _1\"></span>t\u00f8rr<span class=\"_ _1\"></span>elser<span class=\"_ _0\"></span>. Konserne<span class=\"_ _1\"></span>ts viktigst<span class=\"_ _1\"></span>e estima<span class=\"_ _1\"></span>t<span class=\"_ _1\"></span>er og </span><span style=\"display:inherit;clear:left;\">forut<span class=\"_ _1\"></span>setning<span class=\"_ _1\"></span>er er dr<span class=\"_ _1\"></span>\u00f8ft<span class=\"_ _1\"></span>e<span class=\"_ _1\"></span>t nedenf<span class=\"_ _1\"></span>or<span class=\"_ _0\"></span>. </span><span style=\"display:inherit;clear:left;\">T<span class=\"_ _2\"></span>ap p\u00e5 utl\u00e5n, uben<span class=\"_ _1\"></span>ytte<span class=\"_ _1\"></span>t kr<span class=\"_ _1\"></span>edit<span class=\"_ _1\"></span>t og gar<span class=\"_ _1\"></span>an<span class=\"_ _1\"></span>tier</span><span style=\"display:inherit;clear:left;\">Praktisering a<span class=\"_ _2\"></span>v bankens tapsmodell kre<span class=\"_ _1\"></span>v<span class=\"_ _1\"></span>er bruk a<span class=\"_ _1\"></span>v skj\u00f8nn p\u00e5 </span><span style=\"display:inherit;clear:left;\">flere niv<span class=\"_ _2\"></span>\u00e5<span class=\"_ _8\"></span>. F<span class=\"_ _2\"></span>or n\u00e6rmere beskrivelse a<span class=\"_ _2\"></span>v tapsmodellen og </span><span style=\"display:inherit;clear:left;\">estimeringsusikk<span class=\"_ _1\"></span>erhet vises til no<span class=\"_ _1\"></span>t<span class=\"_ _1\"></span>e 11 og 13. </span><span style=\"display:inherit;clear:left;\">De vesen<span class=\"_ _1\"></span>tligs<span class=\"_ _1\"></span>te elemen<span class=\"_ _1\"></span>tene som er underlagt s<span class=\"_ _1\"></span>t<span class=\"_ _1\"></span>or gra<span class=\"_ _1\"></span>d a<span class=\"_ _1\"></span>v </span><span style=\"display:inherit;clear:left;\">skj\u00f8nnsmessig vur<span class=\"_ _1\"></span>dering vil bli om<span class=\"_ _1\"></span>talt nedenf<span class=\"_ _1\"></span>or:</span><span style=\"display:inherit;clear:left;\">\u2022  <span class=\"_ _4\"></span>F<span class=\"_ _1\"></span>r<span class=\"_ _1\"></span>amtidsr<span class=\"_ _1\"></span>e<span class=\"_ _1\"></span>tt<span class=\"_ _1\"></span>e<span class=\"_ _1\"></span>t makroin<span class=\"_ _1\"></span>f<span class=\"_ _1\"></span>ormasjon i ulik<span class=\"_ _1\"></span>e scenarier kr<span class=\"_ _1\"></span>ev<span class=\"_ _1\"></span>er bruk </span><span style=\"display:inherit;clear:left;\">a<span class=\"_ _1\"></span>v skj\u00f8nn. Det legg<span class=\"_ _1\"></span>es imidlertid til grunn a<span class=\"_ _1\"></span>t denne skj\u00f8nns-</span><span style=\"display:inherit;clear:left;\">anv<span class=\"_ _1\"></span>endelsen skal v<span class=\"_ _1\"></span>\u00e6r<span class=\"_ _1\"></span>e konsis<span class=\"_ _1\"></span>t<span class=\"_ _1\"></span>ent med bank<span class=\"_ _1\"></span>ens \u00f8<span class=\"_ _1\"></span>vrige ag<span class=\"_ _1\"></span>ering i </span><span style=\"display:inherit;clear:left;\">forhold til makr<span class=\"_ _1\"></span>os<span class=\"_ _1\"></span>yn. F<span class=\"_ _2\"></span>or vurdering a<span class=\"_ _1\"></span>v makr<span class=\"_ _1\"></span>outsikt<span class=\"_ _1\"></span>er har banken </span><span style=\"display:inherit;clear:left;\">ta<span class=\"_ _1\"></span>tt utgangspunkt i P<span class=\"_ _1\"></span>eng<span class=\"_ _1\"></span>epolitisk r<span class=\"_ _1\"></span>apport fra Nor<span class=\"_ _1\"></span>g<span class=\"_ _1\"></span>es Bank. </span><span style=\"display:inherit;clear:left;\">\u2022  <span class=\"_ _4\"></span>Videre kr<span class=\"_ _1\"></span>ev<span class=\"_ _1\"></span>er de<span class=\"_ _1\"></span>t utstr<span class=\"_ _1\"></span>akt bruk a<span class=\"_ _1\"></span>v skj\u00f8nn f<span class=\"_ _1\"></span>or \u00e5 tr<span class=\"_ _1\"></span>ans<span class=\"_ _1\"></span>former<span class=\"_ _1\"></span>e e<span class=\"_ _1\"></span>t </span><span style=\"display:inherit;clear:left;\">makros<span class=\"_ _1\"></span>yn til br<span class=\"_ _1\"></span>ansjenes PD-baner og pan<span class=\"_ _1\"></span>te<span class=\"_ _1\"></span>ver<span class=\"_ _1\"></span>dier<span class=\"_ _0\"></span>.</span><span style=\"display:inherit;clear:left;\">\u2022  <span class=\"_ _4\"></span>Identifikasjon a<span class=\"_ _1\"></span>v engasjemen<span class=\"_ _1\"></span>t til w<span class=\"_ _1\"></span>a<span class=\"_ _1\"></span>tchlis<span class=\"_ _1\"></span>t med p\u00e5<span class=\"_ _1\"></span>f<span class=\"_ _1\"></span>\u00f8lgende </span><span style=\"display:inherit;clear:left;\">ov<span class=\"_ _1\"></span>ers<span class=\"_ _1\"></span>tyring a<span class=\"_ _1\"></span>v aut<span class=\"_ _1\"></span>oma<span class=\"_ _1\"></span>tiske modellber<span class=\"_ _1\"></span>egning<span class=\"_ _1\"></span>er er ogs\u00e5 en </span><span style=\"display:inherit;clear:left;\">skj\u00f8nnsbasert proses<span class=\"_ _1\"></span>s. </span><span style=\"display:inherit;clear:left;\">\u2022  <span class=\"_ _4\"></span>Individuelle tapsvurdering<span class=\"_ _1\"></span>er blir gjort for eng<span class=\"_ _1\"></span>asjement h<span class=\"_ _1\"></span>v<span class=\"_ _1\"></span>or det </span><span style=\"display:inherit;clear:left;\">for<span class=\"_ _1\"></span>eligg<span class=\"_ _1\"></span>er objektiv<span class=\"_ _1\"></span>e indikasjoner p\u00e5 a<span class=\"_ _1\"></span>t de<span class=\"_ _1\"></span>t har inntruf<span class=\"_ _1\"></span>fe<span class=\"_ _1\"></span>t en eller </span><span style=\"display:inherit;clear:left;\">flere hendelser siden f<span class=\"_ _1\"></span>\u00f8r<span class=\"_ _1\"></span>st<span class=\"_ _1\"></span>egangsinnr<span class=\"_ _1\"></span>egning a<span class=\"_ _1\"></span>v eiendelen, og </span><span style=\"display:inherit;clear:left;\">som forv<span class=\"_ _1\"></span>en<span class=\"_ _1\"></span>tes \u00e5 inneb\u00e6r<span class=\"_ _1\"></span>e en risik<span class=\"_ _1\"></span>o f<span class=\"_ _1\"></span>or re<span class=\"_ _1\"></span>dusert betjeningsevne. </span><span style=\"display:inherit;clear:left;\">I disse tilf<span class=\"_ _1\"></span>ellene vil de<span class=\"_ _1\"></span>t bli anv<span class=\"_ _1\"></span>endt skj\u00f8nn b\u00e5de i vur<span class=\"_ _1\"></span>dering a<span class=\"_ _1\"></span>v </span><span style=\"display:inherit;clear:left;\">objektive hendelser<span class=\"_ _1\"></span>s p\u00e5<span class=\"_ _1\"></span>virkning a<span class=\"_ _1\"></span>v betjeningse<span class=\"_ _1\"></span>vne og </span><span style=\"display:inherit;clear:left;\">estimering a<span class=\"_ _1\"></span>v po<span class=\"_ _1\"></span>tensiell taps<span class=\"_ _1\"></span>st<span class=\"_ _1\"></span>\u00f8rr<span class=\"_ _1\"></span>else.</span><span style=\"display:inherit;clear:left;\">Nedskrivningsbel\u00f8p f<span class=\"_ _1\"></span>astse<span class=\"_ _1\"></span>tt<span class=\"_ _1\"></span>es ut fr<span class=\"_ _1\"></span>a en vur<span class=\"_ _1\"></span>dering a<span class=\"_ _1\"></span>v f<span class=\"_ _1\"></span>orskjellen </span><span style=\"display:inherit;clear:left;\">mellom balansef<span class=\"_ _1\"></span>\u00f8rt v<span class=\"_ _1\"></span>er<span class=\"_ _1\"></span>di (hov<span class=\"_ _1\"></span>eds<span class=\"_ _1\"></span>tol + p\u00e5l\u00f8p<span class=\"_ _1\"></span>te r<span class=\"_ _1\"></span>en<span class=\"_ _1\"></span>t<span class=\"_ _1\"></span>er p\u00e5 </span><span style=\"display:inherit;clear:left;\">vurderings<span class=\"_ _1\"></span>tidspunkte<span class=\"_ _1\"></span>t) og n\u00e5<span class=\"_ _1\"></span>v<span class=\"_ _1\"></span>er<span class=\"_ _1\"></span>dien a<span class=\"_ _1\"></span>v fr<span class=\"_ _1\"></span>em<span class=\"_ _1\"></span>tidige k<span class=\"_ _1\"></span>ont<span class=\"_ _1\"></span>ant<span class=\"_ _1\"></span>-</span><span style=\"display:inherit;clear:left;\">str<span class=\"_ _1\"></span>\u00f8mmer<span class=\"_ _0\"></span>, neddiskont<span class=\"_ _1\"></span>ert med ef<span class=\"_ _1\"></span>fektiv r<span class=\"_ _1\"></span>en<span class=\"_ _1\"></span>t<span class=\"_ _1\"></span>e ov<span class=\"_ _1\"></span>er l\u00e5ne<span class=\"_ _1\"></span>ts </span><span style=\"display:inherit;clear:left;\">forv<span class=\"_ _1\"></span>en<span class=\"_ _1\"></span>tede le<span class=\"_ _1\"></span>v<span class=\"_ _1\"></span>etid.</span><span style=\"display:inherit;clear:left;\">V<span class=\"_ _2\"></span>ed estimering av nedskriving p\u00e5 enk<span class=\"_ _1\"></span>eltkunder vur<span class=\"_ _1\"></span>der<span class=\"_ _1\"></span>es b\u00e5de </span><span style=\"display:inherit;clear:left;\">aktuell og forv<span class=\"_ _1\"></span>en<span class=\"_ _1\"></span>te<span class=\"_ _1\"></span>t fr<span class=\"_ _1\"></span>em<span class=\"_ _1\"></span>tidig finansiell stilling. F<span class=\"_ _2\"></span>or engasjement </span><span style=\"display:inherit;clear:left;\">i bedriftsmarkede<span class=\"_ _1\"></span>t vur<span class=\"_ _1\"></span>der<span class=\"_ _1\"></span>es ogs\u00e5 markeds<span class=\"_ _1\"></span>situasjonen f<span class=\"_ _1\"></span>or </span><span style=\"display:inherit;clear:left;\">kunden, markeds<span class=\"_ _1\"></span>f<span class=\"_ _1\"></span>orholdene innen<span class=\"_ _1\"></span>f<span class=\"_ _1\"></span>or aktuell bransje og g<span class=\"_ _1\"></span>ener<span class=\"_ _1\"></span>elle </span><span style=\"display:inherit;clear:left;\">markeds<span class=\"_ _1\"></span>f<span class=\"_ _1\"></span>orhold a<span class=\"_ _1\"></span>v bety<span class=\"_ _1\"></span>dning f<span class=\"_ _1\"></span>or engasjemen<span class=\"_ _1\"></span>t<span class=\"_ _1\"></span>et. Vider<span class=\"_ _1\"></span>e </span><span style=\"display:inherit;clear:left;\">vurder<span class=\"_ _1\"></span>es mulighe<span class=\"_ _1\"></span>t<span class=\"_ _1\"></span>ene for r<span class=\"_ _1\"></span>es<span class=\"_ _1\"></span>truktur<span class=\"_ _1\"></span>ering, re<span class=\"_ _1\"></span>finansiering og </span><span style=\"display:inherit;clear:left;\">rek<span class=\"_ _1\"></span>apitalisering. </span><span style=\"display:inherit;clear:left;\">Samlet vur<span class=\"_ _1\"></span>dering a<span class=\"_ _1\"></span>v dis<span class=\"_ _1\"></span>se forholdene legg<span class=\"_ _1\"></span>es til grunn f<span class=\"_ _1\"></span>or </span><span style=\"display:inherit;clear:left;\">estimering a<span class=\"_ _1\"></span>v fr<span class=\"_ _1\"></span>em<span class=\"_ _1\"></span>tidig kon<span class=\"_ _1\"></span>tan<span class=\"_ _1\"></span>ts<span class=\"_ _1\"></span>tr\u00f8m. Ne<span class=\"_ _1\"></span>ddiskon<span class=\"_ _1\"></span>terings<span class=\"_ _1\"></span>-</span><span style=\"display:inherit;clear:left;\">perioden estimer<span class=\"_ _1\"></span>es individuelt eller basert p\u00e5 erf<span class=\"_ _1\"></span>aringsda<span class=\"_ _1\"></span>ta om </span><span style=\"display:inherit;clear:left;\">perioden fram til en l\u00f8sning p\u00e5 de f<span class=\"_ _1\"></span>orhold som har f<span class=\"_ _1\"></span>or<span class=\"_ _1\"></span>\u00e5rsak<span class=\"_ _1\"></span>e<span class=\"_ _1\"></span>t a<span class=\"_ _1\"></span>t </span><span style=\"display:inherit;clear:left;\">engasjemen<span class=\"_ _1\"></span>te<span class=\"_ _1\"></span>t er utsa<span class=\"_ _1\"></span>tt f<span class=\"_ _1\"></span>or v<span class=\"_ _1\"></span>er<span class=\"_ _1\"></span>dif<span class=\"_ _1\"></span>all.</span><span style=\"display:inherit;clear:left;\">Estimering a<span class=\"_ _1\"></span>v fr<span class=\"_ _1\"></span>em<span class=\"_ _1\"></span>tidige k<span class=\"_ _1\"></span>on<span class=\"_ _1\"></span>tant<span class=\"_ _1\"></span>str<span class=\"_ _1\"></span>\u00f8mmer baser<span class=\"_ _1\"></span>es p\u00e5 erf<span class=\"_ _1\"></span>arings-</span><span style=\"display:inherit;clear:left;\">ma<span class=\"_ _1\"></span>teriale, t<span class=\"_ _1\"></span>olkning a<span class=\"_ _1\"></span>v tilgjengelig in<span class=\"_ _1\"></span>f<span class=\"_ _1\"></span>ormasjon sam<span class=\"_ _1\"></span>t utstr<span class=\"_ _1\"></span>akt bruk </span><span style=\"display:inherit;clear:left;\">a<span class=\"_ _1\"></span>v skj\u00f8nn, bla. i fram<span class=\"_ _1\"></span>tidsr<span class=\"_ _1\"></span>et<span class=\"_ _1\"></span>te<span class=\"_ _1\"></span>t makr<span class=\"_ _1\"></span>oin<span class=\"_ _1\"></span>f<span class=\"_ _1\"></span>ormasjon i ulike </span><span style=\"display:inherit;clear:left;\">scenarier<span class=\"_ _0\"></span>, \u00abover<span class=\"_ _1\"></span>set<span class=\"_ _1\"></span>ting\u00bb a<span class=\"_ _1\"></span>v makr<span class=\"_ _1\"></span>osyn til br<span class=\"_ _1\"></span>ansjenes PD-baner og </span><span style=\"display:inherit;clear:left;\">pant<span class=\"_ _1\"></span>ev<span class=\"_ _1\"></span>er<span class=\"_ _1\"></span>dier sam<span class=\"_ _1\"></span>t de mer skj\u00f8nnsmessig<span class=\"_ _1\"></span>e vurdering<span class=\"_ _1\"></span>ene som </span><span style=\"display:inherit;clear:left;\">ligger bak s<span class=\"_ _1\"></span>tegklassifisering<span class=\"_ _1\"></span>ene. Tilsv<span class=\"_ _2\"></span>arende blir det v<span class=\"_ _1\"></span>ed </span><span style=\"display:inherit;clear:left;\">individuelle vurdering<span class=\"_ _1\"></span>er anv<span class=\"_ _1\"></span>endt skj\u00f8nn b\u00e5<span class=\"_ _1\"></span>de i vurdering a<span class=\"_ _2\"></span>v </span><span style=\"display:inherit;clear:left;\">betjeningse<span class=\"_ _1\"></span>vne og estimering a<span class=\"_ _2\"></span>v potensiell tapss<span class=\"_ _1\"></span>t\u00f8rr<span class=\"_ _1\"></span>else. </span><span style=\"display:inherit;clear:left;\">Ovenne<span class=\"_ _1\"></span>vn<span class=\"_ _1\"></span>te skj\u00f8nnsut<span class=\"_ _1\"></span>\u00f8v<span class=\"_ _1\"></span>else har v<span class=\"_ _1\"></span>\u00e6rt spesielt utf<span class=\"_ _1\"></span>or<span class=\"_ _1\"></span>dr<span class=\"_ _1\"></span>ende i en </span><span style=\"display:inherit;clear:left;\">situasjon hv<span class=\"_ _1\"></span>or de \u00f8konomisk<span class=\"_ _1\"></span>e r<span class=\"_ _1\"></span>ammebe<span class=\"_ _1\"></span>tingelser er usikr<span class=\"_ _1\"></span>e, </span><span style=\"display:inherit;clear:left;\">herunder eff<span class=\"_ _1\"></span>ekt a<span class=\"_ _1\"></span>v r<span class=\"_ _1\"></span>en<span class=\"_ _1\"></span>t<span class=\"_ _1\"></span>e\u00f8kninger<span class=\"_ _0\"></span>, h\u00f8y priss<span class=\"_ _1\"></span>tigning og </span><span style=\"display:inherit;clear:left;\">energi priser<span class=\"_ _0\"></span>. </span><span style=\"display:inherit;clear:left;\">Gjennomf<span class=\"_ _1\"></span>\u00f8ring a<span class=\"_ _1\"></span>v bank<span class=\"_ _1\"></span>ens tapsvur<span class=\"_ _1\"></span>dering<span class=\"_ _1\"></span>er vil v<span class=\"_ _1\"></span>\u00e6r<span class=\"_ _1\"></span>e et r<span class=\"_ _1\"></span>esulta<span class=\"_ _1\"></span>t </span><span style=\"display:inherit;clear:left;\">a<span class=\"_ _1\"></span>v en pr<span class=\"_ _1\"></span>osess som inv<span class=\"_ _1\"></span>olv<span class=\"_ _1\"></span>er<span class=\"_ _1\"></span>er f<span class=\"_ _1\"></span>orr<span class=\"_ _1\"></span>etningsomr<span class=\"_ _1\"></span>\u00e5dene, sen<span class=\"_ _1\"></span>tr<span class=\"_ _1\"></span>ale </span><span style=\"display:inherit;clear:left;\">kredit<span class=\"_ _1\"></span>tmilj\u00f8er og andr<span class=\"_ _1\"></span>e f<span class=\"_ _1\"></span>agmilj\u00f8er<span class=\"_ _0\"></span>. </span><span style=\"display:inherit;clear:left;\">I banken er de<span class=\"_ _1\"></span>t hyppig gjennomg<span class=\"_ _1\"></span>ang a<span class=\"_ _1\"></span>v risikoutsa<span class=\"_ _2\"></span>tte engasje-</span><span style=\"display:inherit;clear:left;\">ment (\u00abw<span class=\"_ _1\"></span>a<span class=\"_ _1\"></span>t<span class=\"_ _1\"></span>chlist\u00bb), minimum kv<span class=\"_ _1\"></span>artalsvis. Gjennomg<span class=\"_ _1\"></span>angen har </span><span style=\"display:inherit;clear:left;\">s\u00e6rskilt f<span class=\"_ _1\"></span>okus p\u00e5 utsa<span class=\"_ _1\"></span>t<span class=\"_ _1\"></span>te br<span class=\"_ _1\"></span>ansjer<span class=\"_ _0\"></span>. Gjennomgangen inneb\u00e6r<span class=\"_ _1\"></span>er </span><span style=\"display:inherit;clear:left;\">aktiv oppf<span class=\"_ _1\"></span>\u00f8lging a<span class=\"_ _1\"></span>v kunden f<span class=\"_ _1\"></span>or \u00e5 kartlegge likvidit<span class=\"_ _1\"></span>e<span class=\"_ _1\"></span>t, ordr<span class=\"_ _1\"></span>e-</span><span style=\"display:inherit;clear:left;\">situasjon og betjeningse<span class=\"_ _1\"></span>vne. </span><span style=\"display:inherit;clear:left;\">Klimarisik<span class=\"_ _1\"></span>o</span><span style=\"display:inherit;clear:left;\">Klimarisiko gjelder usikk<span class=\"_ _1\"></span>erhet<span class=\"_ _1\"></span>en v<span class=\"_ _1\"></span>ed fysiske endring<span class=\"_ _1\"></span>er i klimae<span class=\"_ _1\"></span>t </span><span style=\"display:inherit;clear:left;\">(fysisk risiko) og endring<span class=\"_ _1\"></span>ene som f<span class=\"_ _1\"></span>\u00f8lger a<span class=\"_ _1\"></span>v tiltak og t<span class=\"_ _1\"></span>eknologi-</span><span style=\"display:inherit;clear:left;\">utvikling for \u00e5 begr<span class=\"_ _1\"></span>ense klima<span class=\"_ _1\"></span>endringene (o<span class=\"_ _1\"></span>v<span class=\"_ _1\"></span>er<span class=\"_ _1\"></span>gangsrisiko).</span><span style=\"display:inherit;clear:left;\">Str<span class=\"_ _1\"></span>andede eiendeler de<span class=\"_ _1\"></span>finer<span class=\"_ _1\"></span>es som eiendeler som har v<span class=\"_ _1\"></span>\u00e6rt </span><span style=\"display:inherit;clear:left;\">utsa<span class=\"_ _1\"></span>tt f<span class=\"_ _1\"></span>or uf<span class=\"_ _1\"></span>orutse<span class=\"_ _1\"></span>tt<span class=\"_ _1\"></span>e eller f<span class=\"_ _1\"></span>or tidlige r<span class=\"_ _1\"></span>eduksjoner i v<span class=\"_ _1\"></span>er<span class=\"_ _1\"></span>di. </span><span style=\"display:inherit;clear:left;\">V<span class=\"_ _2\"></span>erdifalle<span class=\"_ _1\"></span>t skyldes endring<span class=\"_ _1\"></span>er i eks<span class=\"_ _1\"></span>terne r<span class=\"_ _1\"></span>ammebe<span class=\"_ _1\"></span>tingelser<span class=\"_ _0\"></span>, som </span><span style=\"display:inherit;clear:left;\">endringer i t<span class=\"_ _1\"></span>eknologi, reg<span class=\"_ _1\"></span>elverk, a<span class=\"_ _1\"></span>tf<span class=\"_ _1\"></span>er<span class=\"_ _1\"></span>d eller markeder<span class=\"_ _0\"></span>. V<span class=\"_ _1\"></span>ed \u00f8kt </span><span style=\"display:inherit;clear:left;\">eksponering mo<span class=\"_ _1\"></span>t klimarisiko \u00f8k<span class=\"_ _1\"></span>er ogs\u00e5 risiko f<span class=\"_ _1\"></span>or s<span class=\"_ _1\"></span>tr<span class=\"_ _1\"></span>andede </span><span style=\"display:inherit;clear:left;\">eiendeler<span class=\"_ _2\"></span>.</span><span style=\"display:inherit;clear:left;\">Banken har vur<span class=\"_ _1\"></span>dert str<span class=\"_ _1\"></span>andede eiendeler innen br<span class=\"_ _1\"></span>ansjer som </span><span style=\"display:inherit;clear:left;\">kv<span class=\"_ _1\"></span>alifiserer f<span class=\"_ _1\"></span>or EUs tak<span class=\"_ _1\"></span>sonomi og kartlagt hvilk<span class=\"_ _1\"></span>e engasjemen<span class=\"_ _1\"></span>t </span><span style=\"display:inherit;clear:left;\">innenf<span class=\"_ _1\"></span>or dis<span class=\"_ _1\"></span>se bransjene som diskv<span class=\"_ _2\"></span>alifiserer i henhold til teknisk<span class=\"_ _1\"></span>e </span><span style=\"display:inherit;clear:left;\">screeningkrit<span class=\"_ _1\"></span>erier kn<span class=\"_ _1\"></span>ytt<span class=\"_ _1\"></span>et til milj\u00f8m\u00e5l og ikk<span class=\"_ _1\"></span>e-utgj\u00f8r<span class=\"_ _1\"></span>-v<span class=\"_ _1\"></span>esen<span class=\"_ _1\"></span>tlig<span class=\"_ _1\"></span>-</span><span style=\"display:inherit;clear:left;\">skade-aspekt<span class=\"_ _1\"></span>ene. Denne kartleggingen viser a<span class=\"_ _1\"></span>t banken har </span><span style=\"display:inherit;clear:left;\">enkelt<span class=\"_ _1\"></span>e engasjemen<span class=\"_ _1\"></span>t innen shipping som er knyt<span class=\"_ _1\"></span>te<span class=\"_ _1\"></span>t til fr<span class=\"_ _1\"></span>akt a<span class=\"_ _1\"></span>v </span><span style=\"display:inherit;clear:left;\">fos<span class=\"_ _1\"></span>sile drivs<span class=\"_ _1\"></span>to<span class=\"_ _1\"></span>ff og som derf<span class=\"_ _1\"></span>or diskv<span class=\"_ _1\"></span>alifiser<span class=\"_ _1\"></span>er i henhold til EUs </span><span style=\"display:inherit;clear:left;\">taksonomi. Banken f<span class=\"_ _2\"></span>\u00f8lger tet<span class=\"_ _1\"></span>t utviklingen p\u00e5 denne delen a<span class=\"_ _2\"></span>v </span><span style=\"display:inherit;clear:left;\">portef<span class=\"_ _1\"></span>\u00f8ljen, s\u00e6rlig eng<span class=\"_ _1\"></span>asjement ut<span class=\"_ _1\"></span>en alterna<span class=\"_ _2\"></span>tiv anvendelse, da </span><span style=\"display:inherit;clear:left;\">banken anser risik<span class=\"_ _1\"></span>o f<span class=\"_ _1\"></span>or str<span class=\"_ _1\"></span>andede eiendeler \u00f8k<span class=\"_ _1\"></span>ende fr<span class=\"_ _1\"></span>emov<span class=\"_ _1\"></span>er<span class=\"_ _0\"></span>. </span><span style=\"display:inherit;clear:left;\">Banken har vur<span class=\"_ _1\"></span>dert a<span class=\"_ _1\"></span>t pan<span class=\"_ _1\"></span>teobjekt<span class=\"_ _1\"></span>enes v<span class=\"_ _1\"></span>erdier kn<span class=\"_ _1\"></span>ytt<span class=\"_ _1\"></span>e<span class=\"_ _1\"></span>t til disse </span><span style=\"display:inherit;clear:left;\">engasjemen<span class=\"_ _1\"></span>t har en st<span class=\"_ _1\"></span>\u00f8rre risik<span class=\"_ _1\"></span>o f<span class=\"_ _1\"></span>or \u00e5 r<span class=\"_ _1\"></span>eduser<span class=\"_ _1\"></span>es, men banken har</span><span style=\"display:inherit;clear:left;\">videre vur<span class=\"_ _1\"></span>dert a<span class=\"_ _1\"></span>t v<span class=\"_ _1\"></span>er<span class=\"_ _1\"></span>diene ikke vil r<span class=\"_ _1\"></span>eduser<span class=\"_ _1\"></span>es f<span class=\"_ _1\"></span>\u00f8r opprinnelig pr<span class=\"_ _1\"></span>o<span class=\"_ _1\"></span>fil </span><span style=\"display:inherit;clear:left;\">er endt. Det er inn<span class=\"_ _1\"></span>f<span class=\"_ _1\"></span>\u00f8rt policy<span class=\"_ _1\"></span>-kr<span class=\"_ _1\"></span>a<span class=\"_ _1\"></span>v som skal sikr<span class=\"_ _1\"></span>e en str<span class=\"_ _1\"></span>ammer<span class=\"_ _1\"></span>e </span><span style=\"display:inherit;clear:left;\">nedbetalingsplan f<span class=\"_ _1\"></span>or denne type eng<span class=\"_ _1\"></span>asjement. Vider<span class=\"_ _1\"></span>e f<span class=\"_ _1\"></span>\u00f8lges </span><span style=\"display:inherit;clear:left;\">denne andelen opp og rapport<span class=\"_ _1\"></span>er<span class=\"_ _1\"></span>es til Styr<span class=\"_ _1\"></span>e<span class=\"_ _1\"></span>t minst halv<span class=\"_ _1\"></span>\u00e5rlig. P<span class=\"_ _1\"></span>er </span><span style=\"display:inherit;clear:left;\">desember 20<span class=\"_ _1\"></span>23 utgj\u00f8r denne andelen 10 % a<span class=\"_ _2\"></span>v shipping-</span><span style=\"display:inherit;clear:left;\">portef<span class=\"_ _1\"></span>\u00f8ljen, eller under 1,3 % a<span class=\"_ _2\"></span>v totalt v<span class=\"_ _1\"></span>olum p\u00e5 bedriftsmarke<span class=\"_ _1\"></span>d. </span><span style=\"display:inherit;clear:left;\">Banken har ogs\u00e5 ty<span class=\"_ _1\"></span>delig<span class=\"_ _1\"></span>e styringsm\u00e5l p\u00e5 andel a<span class=\"_ _1\"></span>v denne type </span><span style=\"display:inherit;clear:left;\">eksponering fr<span class=\"_ _1\"></span>em mot 2<span class=\"_ _1\"></span>0<span class=\"_ _1\"></span>30 og 2<span class=\"_ _1\"></span>035<span class=\"_ _1\"></span>. De<span class=\"_ _1\"></span>tt<span class=\"_ _1\"></span>e er vur<span class=\"_ _1\"></span>dert \u00e5 </span><span style=\"display:inherit;clear:left;\">reduser<span class=\"_ _1\"></span>e risik<span class=\"_ _1\"></span>o i porte<span class=\"_ _1\"></span>f<span class=\"_ _1\"></span>\u00f8ljen betr<span class=\"_ _1\"></span>akt<span class=\"_ _1\"></span>elig. </span><span style=\"display:inherit;clear:left;\">Det er ogs\u00e5 vur<span class=\"_ _1\"></span>dert po<span class=\"_ _1\"></span>tensielle s<span class=\"_ _1\"></span>tr<span class=\"_ _1\"></span>andede eiendeler i boligl\u00e5ns-</span><span style=\"display:inherit;clear:left;\">portef<span class=\"_ _1\"></span>\u00f8ljen h<span class=\"_ _1\"></span>v<span class=\"_ _1\"></span>or banken har vur<span class=\"_ _1\"></span>dert o<span class=\"_ _1\"></span>ver<span class=\"_ _1\"></span>gangsrisik<span class=\"_ _1\"></span>o og fysisk </span><span style=\"display:inherit;clear:left;\">risiko f<span class=\"_ _1\"></span>or den fysisk<span class=\"_ _1\"></span>e plassering<span class=\"_ _1\"></span>en a<span class=\"_ _1\"></span>v pant<span class=\"_ _1\"></span>eobjektene, herunder </span><span style=\"display:inherit;clear:left;\">flom, skred o<span class=\"_ _1\"></span>g sn\u00f8skred. K<span class=\"_ _1\"></span>onklusjonen er a<span class=\"_ _1\"></span>t selv om en del a<span class=\"_ _1\"></span>v </span><span style=\"display:inherit;clear:left;\">portef<span class=\"_ _1\"></span>\u00f8ljen er utsa<span class=\"_ _2\"></span>tt for fysisk klimarisik<span class=\"_ _1\"></span>o, er de<span class=\"_ _1\"></span>t<span class=\"_ _1\"></span>te f<span class=\"_ _1\"></span>\u00f8rs<span class=\"_ _1\"></span>t og </span><span style=\"display:inherit;clear:left;\">frems<span class=\"_ _1\"></span>t r<span class=\"_ _1\"></span>ela<span class=\"_ _1\"></span>tert til f<span class=\"_ _1\"></span>orsikringsrisik<span class=\"_ _1\"></span>o<span class=\"_ _1\"></span>, da boligene er f<span class=\"_ _1\"></span>orsikr<span class=\"_ _1\"></span>e<span class=\"_ _1\"></span>t og </span><span style=\"display:inherit;clear:left;\">inng\u00e5r i f<span class=\"_ _1\"></span>orsikringsselsk<span class=\"_ _1\"></span>apenes na<span class=\"_ _1\"></span>turskadepool. Bank<span class=\"_ _1\"></span>en f<span class=\"_ _1\"></span>\u00f8lger </span><span style=\"display:inherit;clear:left;\">opp ov<span class=\"_ _1\"></span>er<span class=\"_ _1\"></span>gangsrisik<span class=\"_ _1\"></span>o i boligl\u00e5nsporte<span class=\"_ _1\"></span>f<span class=\"_ _1\"></span>\u00f8ljen og rapport<span class=\"_ _1\"></span>er<span class=\"_ _1\"></span>er til </span><span style=\"display:inherit;clear:left;\">ledelsen p\u00e5 det<span class=\"_ _1\"></span>te h<span class=\"_ _1\"></span>v<span class=\"_ _1\"></span>er m\u00e5ned, samt til S<span class=\"_ _1\"></span>tyr<span class=\"_ _1\"></span>et kv<span class=\"_ _2\"></span>ar<span class=\"_ _8\"></span>talsvis. Bank<span class=\"_ _1\"></span>en </span><span style=\"display:inherit;clear:left;\">har iverk<span class=\"_ _1\"></span>sa<span class=\"_ _1\"></span>tt tiltak f<span class=\"_ _1\"></span>or \u00e5 r<span class=\"_ _1\"></span>eduser<span class=\"_ _1\"></span>e o<span class=\"_ _1\"></span>v<span class=\"_ _1\"></span>erg<span class=\"_ _1\"></span>angsrisiko i porte<span class=\"_ _1\"></span>f<span class=\"_ _1\"></span>\u00f8ljen, </span><span style=\"display:inherit;clear:left;\">ved hjelp a<span class=\"_ _2\"></span>v gr\u00f8nne oppgr<span class=\"_ _1\"></span>aderingsl\u00e5n og ener<span class=\"_ _1\"></span>gil\u00e5n. Tilsv<span class=\"_ _1\"></span>arende </span><span style=\"display:inherit;clear:left;\">er gjort i bedriftsmarkedsporte<span class=\"_ _1\"></span>f<span class=\"_ _1\"></span>\u00f8ljen, v<span class=\"_ _1\"></span>ed bruk a<span class=\"_ _1\"></span>v b\u00e6r<span class=\"_ _1\"></span>ekr<span class=\"_ _1\"></span>a<span class=\"_ _1\"></span>fts-</span><span style=\"display:inherit;clear:left;\">linkede l\u00e5n.</span><span style=\"display:inherit;clear:left;\">Banken har<span class=\"_ _0\"></span>, som f\u00f8lg<span class=\"_ _1\"></span>e a<span class=\"_ _1\"></span>v ov<span class=\"_ _1\"></span>ens<span class=\"_ _1\"></span>t\u00e5ende, vur<span class=\"_ _1\"></span>dert a<span class=\"_ _1\"></span>t de<span class=\"_ _1\"></span>t ikke er </span><span style=\"display:inherit;clear:left;\">behov f<span class=\"_ _1\"></span>or ek<span class=\"_ _1\"></span>str<span class=\"_ _1\"></span>a nedskriving<span class=\"_ _1\"></span>er i denne sammenheng. Banken </span><span style=\"display:inherit;clear:left;\">jobber aktivt med behandling a<span class=\"_ _1\"></span>v eiendeler som kan bli klima<span class=\"_ _1\"></span>-</span><span style=\"display:inherit;clear:left;\">str<span class=\"_ _1\"></span>andede i fr<span class=\"_ _1\"></span>em<span class=\"_ _1\"></span>tiden og har oppda<span class=\"_ _1\"></span>tert in<span class=\"_ _1\"></span>terne rutiner<span class=\"_ _0\"></span>.</span><span style=\"display:inherit;clear:left;\">Virkelig v<span class=\"_ _1\"></span>er<span class=\"_ _1\"></span>di p\u00e5 finansielle ins<span class=\"_ _1\"></span>trumen<span class=\"_ _1\"></span>ter</span><span style=\"display:inherit;clear:left;\">Virkelig v<span class=\"_ _1\"></span>er<span class=\"_ _1\"></span>di p\u00e5 finansielle instrumen<span class=\"_ _1\"></span>t<span class=\"_ _1\"></span>er som ikke handles i e<span class=\"_ _1\"></span>t </span><span style=\"display:inherit;clear:left;\">aktivt marked, f<span class=\"_ _1\"></span>as<span class=\"_ _1\"></span>tset<span class=\"_ _1\"></span>tes v<span class=\"_ _1\"></span>ed \u00e5 ben<span class=\"_ _1\"></span>ytt<span class=\"_ _1\"></span>e ulik<span class=\"_ _1\"></span>e ver<span class=\"_ _1\"></span>dse<span class=\"_ _1\"></span>tt<span class=\"_ _1\"></span>elses-</span><span style=\"display:inherit;clear:left;\">teknikk<span class=\"_ _1\"></span>er<span class=\"_ _0\"></span>. Dette gj\u00f8r<span class=\"_ _1\"></span>es basert p\u00e5 an<span class=\"_ _1\"></span>tagelser om h<span class=\"_ _1\"></span>v<span class=\"_ _1\"></span>a markede<span class=\"_ _1\"></span>t vil </span><span style=\"display:inherit;clear:left;\">legge til grunn f<span class=\"_ _1\"></span>or v<span class=\"_ _1\"></span>er<span class=\"_ _1\"></span>dset<span class=\"_ _1\"></span>telse a<span class=\"_ _2\"></span>v tilsvar<span class=\"_ _1\"></span>ende finansielle instru-</span><span style=\"display:inherit;clear:left;\">ment<span class=\"_ _1\"></span>er og tilgjengelig in<span class=\"_ _1\"></span>f<span class=\"_ _1\"></span>ormasjon p\u00e5 balansedag<span class=\"_ _1\"></span>en. Det vises til </span><span style=\"display:inherit;clear:left;\">not<span class=\"_ _1\"></span>er f<span class=\"_ _1\"></span>or finansielle instrumen<span class=\"_ _1\"></span>ter<span class=\"_ _0\"></span>, samt r<span class=\"_ _1\"></span>egnskaps <span class=\"_ _4\"></span>prinsipper f<span class=\"_ _1\"></span>or </span><span style=\"display:inherit;clear:left;\">beskrivelse a<span class=\"_ _2\"></span>v de teknikker som er benyt<span class=\"_ _1\"></span>te<span class=\"_ _1\"></span>t. I v<span class=\"_ _1\"></span>erdse<span class=\"_ _1\"></span>t<span class=\"_ _1\"></span>telsene a<span class=\"_ _1\"></span>v </span><span style=\"display:inherit;clear:left;\">finansielle instrumen<span class=\"_ _1\"></span>ter som ikk<span class=\"_ _1\"></span>e handles i e<span class=\"_ _1\"></span>t aktivt marked </span><span style=\"display:inherit;clear:left;\">kre<span class=\"_ _1\"></span>v<span class=\"_ _1\"></span>es det ut<span class=\"_ _1\"></span>str<span class=\"_ _1\"></span>akt bruk a<span class=\"_ _1\"></span>v skj\u00f8nn.</span><span style=\"display:inherit;clear:left;\">F<span class=\"_ _2\"></span>astren<span class=\"_ _1\"></span>t<span class=\"_ _1\"></span>eutl\u00e5n</span><span style=\"display:inherit;clear:left;\">I henhold til IFRS skal v<span class=\"_ _1\"></span>erdse<span class=\"_ _1\"></span>t<span class=\"_ _1\"></span>telsen v<span class=\"_ _1\"></span>\u00e6r<span class=\"_ _1\"></span>e basert p\u00e5 en vur<span class=\"_ _1\"></span>dering </span><span style=\"display:inherit;clear:left;\">a<span class=\"_ _1\"></span>v hv<span class=\"_ _1\"></span>a en eks<span class=\"_ _1\"></span>tern in<span class=\"_ _1\"></span>v<span class=\"_ _1\"></span>est<span class=\"_ _1\"></span>or ville lagt til grunn v<span class=\"_ _1\"></span>ed inv<span class=\"_ _1\"></span>est<span class=\"_ _1\"></span>ering i </span><span style=\"display:inherit;clear:left;\">tilsv<span class=\"_ _1\"></span>ar<span class=\"_ _1\"></span>ende utl\u00e5n. De<span class=\"_ _1\"></span>t eksist<span class=\"_ _1\"></span>er<span class=\"_ _1\"></span>er ikke e<span class=\"_ _1\"></span>t v<span class=\"_ _1\"></span>elfunger<span class=\"_ _1\"></span>ende mark<span class=\"_ _1\"></span>ed </span><span style=\"display:inherit;clear:left;\">for kj\u00f8p og salg a<span class=\"_ _2\"></span>v fastr<span class=\"_ _1\"></span>en<span class=\"_ _1\"></span>tel\u00e5n mellom mark<span class=\"_ _1\"></span>edsakt<span class=\"_ _1\"></span>\u00f8rer<span class=\"_ _0\"></span>. V<span class=\"_ _1\"></span>er<span class=\"_ _1\"></span>dien </span><span style=\"display:inherit;clear:left;\">a<span class=\"_ _1\"></span>v f<span class=\"_ _1\"></span>astr<span class=\"_ _1\"></span>en<span class=\"_ _1\"></span>teutl\u00e5nene es<span class=\"_ _1\"></span>timer<span class=\"_ _1\"></span>es v<span class=\"_ _1\"></span>ed \u00e5 diskon<span class=\"_ _1\"></span>ter<span class=\"_ _1\"></span>e k<span class=\"_ _1\"></span>on<span class=\"_ _1\"></span>tant<span class=\"_ _1\"></span>-</span><span style=\"display:inherit;clear:left;\">str<span class=\"_ _1\"></span>\u00f8mmene med en risik<span class=\"_ _1\"></span>ojust<span class=\"_ _1\"></span>ert diskon<span class=\"_ _1\"></span>terings<span class=\"_ _1\"></span>f<span class=\"_ _1\"></span>aktor som skal </span><span style=\"display:inherit;clear:left;\">hensyn<span class=\"_ _1\"></span>ta mark<span class=\"_ _1\"></span>edsakt\u00f8r<span class=\"_ _1\"></span>enes pr<span class=\"_ _1\"></span>ef<span class=\"_ _1\"></span>er<span class=\"_ _1\"></span>anser<span class=\"_ _0\"></span>. Diskon<span class=\"_ _1\"></span>terings<span class=\"_ _1\"></span>f<span class=\"_ _1\"></span>aktor<span class=\"_ _1\"></span>en </span><span style=\"display:inherit;clear:left;\">beregnes basert p\u00e5 en observ<span class=\"_ _1\"></span>erbar sw<span class=\"_ _1\"></span>apren<span class=\"_ _1\"></span>t<span class=\"_ _1\"></span>e tillagt et </span><span style=\"display:inherit;clear:left;\">marginkr<span class=\"_ _1\"></span>a<span class=\"_ _1\"></span>v<span class=\"_ _2\"></span>.</span><span style=\"display:inherit;clear:left;\">V<span class=\"_ _2\"></span>ed estimering av mar<span class=\"_ _1\"></span>ginkr<span class=\"_ _1\"></span>a<span class=\"_ _1\"></span>ve<span class=\"_ _1\"></span>t ser bank<span class=\"_ _1\"></span>en hen til de observer<span class=\"_ _1\"></span>-</span><span style=\"display:inherit;clear:left;\">bare mark<span class=\"_ _1\"></span>edsr<span class=\"_ _1\"></span>en<span class=\"_ _1\"></span>tene p\u00e5 tils<span class=\"_ _1\"></span>v<span class=\"_ _1\"></span>arende utl\u00e5n. S<span class=\"_ _1\"></span>wapr<span class=\"_ _1\"></span>en<span class=\"_ _1\"></span>te-elemen<span class=\"_ _1\"></span>t<span class=\"_ _1\"></span>et </span><span style=\"display:inherit;clear:left;\">i diskon<span class=\"_ _1\"></span>terings<span class=\"_ _1\"></span>f<span class=\"_ _1\"></span>aktor<span class=\"_ _1\"></span>en s<span class=\"_ _1\"></span>vinger k<span class=\"_ _1\"></span>on<span class=\"_ _1\"></span>tinuerlig, mens de observer<span class=\"_ _1\"></span>-</span><span style=\"display:inherit;clear:left;\">bare mark<span class=\"_ _1\"></span>edsr<span class=\"_ _1\"></span>en<span class=\"_ _1\"></span>tene f<span class=\"_ _1\"></span>or tils<span class=\"_ _1\"></span>v<span class=\"_ _1\"></span>arende utl\u00e5n ikk<span class=\"_ _1\"></span>e endr<span class=\"_ _1\"></span>es like </span><span style=\"display:inherit;clear:left;\">hyppig. Marginkr<span class=\"_ _1\"></span>a<span class=\"_ _1\"></span>v<span class=\"_ _1\"></span>et til mark<span class=\"_ _1\"></span>edsakt<span class=\"_ _1\"></span>\u00f8rene er derme<span class=\"_ _1\"></span>d ikke dir<span class=\"_ _1\"></span>ekt<span class=\"_ _1\"></span>e </span><span style=\"display:inherit;clear:left;\">observerbart og estimer<span class=\"_ _1\"></span>es basert p\u00e5 diff<span class=\"_ _1\"></span>er<span class=\"_ _1\"></span>ansen mellom de </span><span style=\"display:inherit;clear:left;\">observerbar<span class=\"_ _1\"></span>e mark<span class=\"_ _1\"></span>edsren<span class=\"_ _1\"></span>t<span class=\"_ _1\"></span>ene og sw<span class=\"_ _1\"></span>apren<span class=\"_ _1\"></span>t<span class=\"_ _1\"></span>en o<span class=\"_ _1\"></span>ver en tids<span class=\"_ _1\"></span>-</span><span style=\"display:inherit;clear:left;\">periode. Et<span class=\"_ _1\"></span>ter<span class=\"_ _1\"></span>som marginkr<span class=\"_ _1\"></span>a<span class=\"_ _1\"></span>v<span class=\"_ _1\"></span>et ikk<span class=\"_ _1\"></span>e er dir<span class=\"_ _1\"></span>ekte observ<span class=\"_ _1\"></span>erbart, er </span><span style=\"display:inherit;clear:left;\">det kn<span class=\"_ _1\"></span>ytt<span class=\"_ _1\"></span>e<span class=\"_ _1\"></span>t usikkerhe<span class=\"_ _1\"></span>t til ber<span class=\"_ _1\"></span>egning a<span class=\"_ _1\"></span>v virkelig v<span class=\"_ _1\"></span>er<span class=\"_ _1\"></span>di f<span class=\"_ _1\"></span>or </span><span style=\"display:inherit;clear:left;\">f<span class=\"_ _1\"></span>astr<span class=\"_ _1\"></span>en<span class=\"_ _1\"></span>teutl\u00e5n.</span><span style=\"display:inherit;clear:left;\">Basiss<span class=\"_ _1\"></span>wapper</span><span style=\"display:inherit;clear:left;\">Konserne<span class=\"_ _1\"></span>t benyt<span class=\"_ _1\"></span>ter basis<span class=\"_ _1\"></span>sw<span class=\"_ _1\"></span>apper som sikringsinstrumen<span class=\"_ _1\"></span>t f<span class=\"_ _1\"></span>or \u00e5 </span><span style=\"display:inherit;clear:left;\">kon<span class=\"_ _1\"></span>vert<span class=\"_ _1\"></span>er<span class=\"_ _1\"></span>e betalings<span class=\"_ _1\"></span>f<span class=\"_ _1\"></span>orpliktelser p\u00e5 innl\u00e5n i fr<span class=\"_ _1\"></span>emmed v<span class=\"_ _1\"></span>aluta til </span><span style=\"display:inherit;clear:left;\">norske kr<span class=\"_ _1\"></span>oner<span class=\"_ _0\"></span>. Prisen for \u00e5 inng\u00e5 basis<span class=\"_ _1\"></span>sw<span class=\"_ _1\"></span>apper sving<span class=\"_ _1\"></span>er<span class=\"_ _2\"></span>, noe som </span><span style=\"display:inherit;clear:left;\">gj\u00f8r a<span class=\"_ _1\"></span>t sikringen ikk<span class=\"_ _1\"></span>e utgj\u00f8r en perfekt hedg<span class=\"_ _1\"></span>e. De<span class=\"_ _1\"></span>tt<span class=\"_ _1\"></span>e p\u00e5<span class=\"_ _1\"></span>virker </span><span style=\"display:inherit;clear:left;\">virkelig v<span class=\"_ _1\"></span>er<span class=\"_ _1\"></span>di a<span class=\"_ _1\"></span>v deriv<span class=\"_ _1\"></span>a<span class=\"_ _1\"></span>t<span class=\"_ _1\"></span>et. De<span class=\"_ _1\"></span>t er i tillegg inng\u00e5<span class=\"_ _1\"></span>tt CS<span class=\"_ _1\"></span>A<span class=\"_ _1\"></span>-a<span class=\"_ _1\"></span>vtaler om </span><span style=\"display:inherit;clear:left;\">sikkerhe<span class=\"_ _1\"></span>tss<span class=\"_ _1\"></span>tillelse som er skr<span class=\"_ _1\"></span>ev<span class=\"_ _1\"></span>e<span class=\"_ _1\"></span>t i st<span class=\"_ _1\"></span>erk f<span class=\"_ _1\"></span>a<span class=\"_ _1\"></span>v<span class=\"_ _1\"></span>\u00f8r a<span class=\"_ _1\"></span>v obligasjons-</span><span style=\"display:inherit;clear:left;\">eierne for basis<span class=\"_ _1\"></span>sw<span class=\"_ _1\"></span>apper i da<span class=\"_ _1\"></span>tt<span class=\"_ _1\"></span>erselskape<span class=\"_ _1\"></span>t Spar<span class=\"_ _1\"></span>ebanken V<span class=\"_ _2\"></span>est </span><span style=\"display:inherit;clear:left;\">Boligkredit<span class=\"_ _1\"></span>t AS<span class=\"_ _1\"></span>. Det<span class=\"_ _1\"></span>te har en pris da mo<span class=\"_ _1\"></span>tpartene har s<span class=\"_ _1\"></span>tor<span class=\"_ _1\"></span>e </span><span style=\"display:inherit;clear:left;\">pot<span class=\"_ _1\"></span>ensielle f<span class=\"_ _1\"></span>orpliktelser dersom de ek<span class=\"_ _1\"></span>sempelvis skulle bli </span><span style=\"display:inherit;clear:left;\">nedgra<span class=\"_ _1\"></span>dert. Denne prisen kalles \u00abcredit char<span class=\"_ _1\"></span>g<span class=\"_ _1\"></span>e\u00bb og kan ogs\u00e5 </span><span style=\"display:inherit;clear:left;\">svinge o<span class=\"_ _1\"></span>v<span class=\"_ _1\"></span>er tid. De<span class=\"_ _1\"></span>t er usikkerhe<span class=\"_ _1\"></span>t kn<span class=\"_ _1\"></span>ytt<span class=\"_ _1\"></span>et til ber<span class=\"_ _1\"></span>egning<span class=\"_ _1\"></span>en a<span class=\"_ _1\"></span>v </span><span style=\"display:inherit;clear:left;\">virkelig v<span class=\"_ _1\"></span>er<span class=\"_ _1\"></span>di f<span class=\"_ _1\"></span>or slike finansielle ins<span class=\"_ _1\"></span>trumen<span class=\"_ _1\"></span>ter<span class=\"_ _0\"></span>.</span><span style=\"display:inherit;clear:left;\">F<span class=\"_ _2\"></span>or volum a<span class=\"_ _1\"></span>v finansielle instrumen<span class=\"_ _1\"></span>ter klas<span class=\"_ _1\"></span>sifisert p\u00e5 niv<span class=\"_ _1\"></span>\u00e5 3 </span><span style=\"display:inherit;clear:left;\">(innslag a<span class=\"_ _1\"></span>v subjektive elemen<span class=\"_ _1\"></span>t<span class=\"_ _1\"></span>er i v<span class=\"_ _1\"></span>erdse<span class=\"_ _1\"></span>t<span class=\"_ _1\"></span>telsen), vises til no<span class=\"_ _1\"></span>te 6<span class=\"_ _1\"></span>. </span><span style=\"display:inherit;clear:left;\">Her fremk<span class=\"_ _1\"></span>ommer ogs\u00e5 sensitivit<span class=\"_ _1\"></span>et kn<span class=\"_ _1\"></span>ytt<span class=\"_ _1\"></span>e<span class=\"_ _1\"></span>t til parame<span class=\"_ _1\"></span>t<span class=\"_ _1\"></span>erne i </span><span style=\"display:inherit;clear:left;\">beregning<span class=\"_ _1\"></span>ene.</span>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfSummaryOfSignificantAccountingPoliciesExplanatory",
    "language": "no",
    "entity": "scheme:213800M7T3CYVZ3ZRT12",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "s10_notes__6__9": {
   "value": "<span style=\"display:inherit;clear:left;\">Note 1 G<span class=\"_ _8\"></span>enerel<span class=\"_ _8\"></span>le reg<span class=\"_ _8\"></span>nskap<span class=\"_ _8\"></span>spr<span class=\"_ _8\"></span>ins<span class=\"_ _8\"></span>ipper</span><span style=\"display:inherit;clear:left;\">GENEREL<span class=\"_ _0\"></span>T</span><span style=\"display:inherit;clear:left;\">I konsernr<span class=\"_ _1\"></span>egnskape<span class=\"_ _1\"></span>t f<span class=\"_ _1\"></span>or Spar<span class=\"_ _1\"></span>ebanken V<span class=\"_ _2\"></span>est inng\u00e5r morbank<span class=\"_ _1\"></span>en </span><span style=\"display:inherit;clear:left;\">Sparebank<span class=\"_ _1\"></span>en V<span class=\"_ _2\"></span>est samt de heleide da<span class=\"_ _2\"></span>tterselskapene </span><span style=\"display:inherit;clear:left;\">Sparebank<span class=\"_ _1\"></span>en V<span class=\"_ _2\"></span>est Boligkr<span class=\"_ _1\"></span>editt AS<span class=\"_ _1\"></span>, Eiendomsmegler V<span class=\"_ _2\"></span>est AS og </span><span style=\"display:inherit;clear:left;\">Jonsv<span class=\"_ _1\"></span>oll Utleie AS<span class=\"_ _1\"></span>. I tillegg inng\u00e5r F<span class=\"_ _2\"></span>rende Holding AS<span class=\"_ _1\"></span>, Norne </span><span style=\"display:inherit;clear:left;\">Securities AS, Br<span class=\"_ _1\"></span>ag<span class=\"_ _1\"></span>e Finans AS<span class=\"_ _1\"></span>, Balder Betaling A<span class=\"_ _1\"></span>S og F<span class=\"_ _2\"></span>olio AS </span><span style=\"display:inherit;clear:left;\">som tilknyt<span class=\"_ _1\"></span>tede selskaper<span class=\"_ _0\"></span>. Det hen<span class=\"_ _1\"></span>vises til not<span class=\"_ _1\"></span>e 20 f<span class=\"_ _1\"></span>or \u00f8<span class=\"_ _1\"></span>vrig<span class=\"_ _1\"></span>e </span><span style=\"display:inherit;clear:left;\">detaljer<span class=\"_ _0\"></span>.</span><span style=\"display:inherit;clear:left;\">Alle bel\u00f8p i regnsk<span class=\"_ _1\"></span>ap og not<span class=\"_ _1\"></span>er er oppgitt i millioner kr<span class=\"_ _1\"></span>oner </span><span style=\"display:inherit;clear:left;\">dersom ikke anne<span class=\"_ _1\"></span>t er angitt spesifikt. Konsernr<span class=\"_ _1\"></span>egnsk<span class=\"_ _1\"></span>apet er </span><span style=\"display:inherit;clear:left;\">a<span class=\"_ _1\"></span>vlagt under f<span class=\"_ _1\"></span>orutsetning om f<span class=\"_ _1\"></span>ortsa<span class=\"_ _1\"></span>t<span class=\"_ _1\"></span>t drift</span><span style=\"display:inherit;clear:left;\">Sparebank<span class=\"_ _1\"></span>en V<span class=\"_ _2\"></span>est har egenkapitalbe<span class=\"_ _1\"></span>vis no<span class=\"_ _1\"></span>tert p\u00e5 Oslo B\u00f8rs. </span><span style=\"display:inherit;clear:left;\">Banken er lokalisert i V<span class=\"_ _2\"></span>estland, Rogaland, og M\u00f8r<span class=\"_ _1\"></span>e og Romsdal </span><span style=\"display:inherit;clear:left;\">med hov<span class=\"_ _1\"></span>edk<span class=\"_ _1\"></span>on<span class=\"_ _1\"></span>tor i Ber<span class=\"_ _1\"></span>gen. Ho<span class=\"_ _1\"></span>v<span class=\"_ _1\"></span>edk<span class=\"_ _1\"></span>ont<span class=\"_ _1\"></span>or og d\u00f8<span class=\"_ _1\"></span>tre har a<span class=\"_ _1\"></span>dr<span class=\"_ _1\"></span>esse </span><span style=\"display:inherit;clear:left;\">Jonsv<span class=\"_ _1\"></span>ollsga<span class=\"_ _1\"></span>t<span class=\"_ _1\"></span>en 2, 5011 Ber<span class=\"_ _1\"></span>g<span class=\"_ _1\"></span>en.</span><span style=\"display:inherit;clear:left;\">\u00c5rsr<span class=\"_ _1\"></span>egnskap 2<span class=\"_ _1\"></span>02<span class=\"_ _1\"></span>3 f<span class=\"_ _1\"></span>or Sparebank<span class=\"_ _1\"></span>en V<span class=\"_ _2\"></span>est konsern er behandle<span class=\"_ _1\"></span>t </span><span style=\"display:inherit;clear:left;\">og vedt<span class=\"_ _1\"></span>a<span class=\"_ _1\"></span>tt i s<span class=\"_ _1\"></span>tyr<span class=\"_ _1\"></span>em\u00f8t<span class=\"_ _1\"></span>e den 21. f<span class=\"_ _1\"></span>ebruar 20<span class=\"_ _1\"></span>2<span class=\"_ _1\"></span>4.</span><span style=\"display:inherit;clear:left;\">Generalf<span class=\"_ _1\"></span>or<span class=\"_ _1\"></span>samlingen er bank<span class=\"_ _1\"></span>ens \u00f8v<span class=\"_ _1\"></span>er<span class=\"_ _1\"></span>st<span class=\"_ _1\"></span>e org<span class=\"_ _1\"></span>an.</span><span style=\"display:inherit;clear:left;\">GRUNNLAG F<span class=\"_ _1\"></span>OR UT<span class=\"_ _0\"></span>ARBEIDELSE A<span class=\"_ _1\"></span>V \u00c5RSRE<span class=\"_ _1\"></span>GNSKAPET</span><span style=\"display:inherit;clear:left;\">Konsernr<span class=\"_ _1\"></span>egnskape<span class=\"_ _1\"></span>t er utarbeide<span class=\"_ _1\"></span>t i samsv<span class=\"_ _1\"></span>ar med In<span class=\"_ _1\"></span>terna<span class=\"_ _2\"></span>tional </span><span style=\"display:inherit;clear:left;\">Financial Reporting Standar<span class=\"_ _1\"></span>ds (IFRS) som f<span class=\"_ _1\"></span>astsa<span class=\"_ _2\"></span>tt av EU<span class=\"_ _1\"></span>, </span><span style=\"display:inherit;clear:left;\">publisert av In<span class=\"_ _1\"></span>t<span class=\"_ _1\"></span>erna<span class=\"_ _1\"></span>tional Accoun<span class=\"_ _1\"></span>ting S<span class=\"_ _1\"></span>tandards Boar<span class=\"_ _1\"></span>d (IA<span class=\"_ _1\"></span>SB) og </span><span style=\"display:inherit;clear:left;\">som er pliktige per 3<span class=\"_ _1\"></span>1. desember 20<span class=\"_ _1\"></span>23<span class=\"_ _1\"></span>. </span><span style=\"display:inherit;clear:left;\">Konsernr<span class=\"_ _1\"></span>egnskape<span class=\"_ _1\"></span>t legger til grunn prinsippene i e<span class=\"_ _1\"></span>t his<span class=\"_ _1\"></span>torisk </span><span style=\"display:inherit;clear:left;\">kos<span class=\"_ _1\"></span>t r<span class=\"_ _1\"></span>egnskap med visse unn<span class=\"_ _1\"></span>tak. Finansielle eiendeler og gjeld </span><span style=\"display:inherit;clear:left;\">ver<span class=\"_ _1\"></span>dse<span class=\"_ _1\"></span>tt<span class=\"_ _1\"></span>es og klassifiser<span class=\"_ _1\"></span>es i sams<span class=\"_ _1\"></span>v<span class=\"_ _1\"></span>ar med IFRS 9<span class=\"_ _1\"></span>, og not<span class=\"_ _1\"></span>e-</span><span style=\"display:inherit;clear:left;\">opplysning<span class=\"_ _1\"></span>er er utarbeides i samsv<span class=\"_ _1\"></span>ar med IFRS 7 \u2013 Finansielle </span><span style=\"display:inherit;clear:left;\">instrumen<span class=\"_ _1\"></span>ter \u2013 opply<span class=\"_ _1\"></span>sninger<span class=\"_ _0\"></span>.</span><span style=\"display:inherit;clear:left;\">Konsernr<span class=\"_ _1\"></span>egnskape<span class=\"_ _1\"></span>t er utarbeide<span class=\"_ _1\"></span>t et<span class=\"_ _1\"></span>ter ensart<span class=\"_ _1\"></span>ede r<span class=\"_ _1\"></span>egnskaps-</span><span style=\"display:inherit;clear:left;\">prinsipper for lik<span class=\"_ _1\"></span>e tr<span class=\"_ _1\"></span>ansaksjoner og hendelser under eller<span class=\"_ _1\"></span>s like </span><span style=\"display:inherit;clear:left;\">forhold. </span><span style=\"display:inherit;clear:left;\">Selskapsr<span class=\"_ _1\"></span>egnskapet til Spar<span class=\"_ _1\"></span>ebank<span class=\"_ _1\"></span>en V<span class=\"_ _2\"></span>est er utarbeidet i sams<span class=\"_ _1\"></span>v<span class=\"_ _1\"></span>ar </span><span style=\"display:inherit;clear:left;\">med IFRS som f<span class=\"_ _1\"></span>astsa<span class=\"_ _1\"></span>t<span class=\"_ _1\"></span>t i f<span class=\"_ _1\"></span>orskrift om \u00e5rsr<span class=\"_ _1\"></span>egnskap f<span class=\"_ _1\"></span>or bank<span class=\"_ _1\"></span>er<span class=\"_ _0\"></span>, </span><span style=\"display:inherit;clear:left;\">kredit<span class=\"_ _1\"></span>tf<span class=\"_ _1\"></span>or<span class=\"_ _1\"></span>etak o<span class=\"_ _1\"></span>g finansieringsf<span class=\"_ _1\"></span>or<span class=\"_ _1\"></span>e<span class=\"_ _1\"></span>tak \u00a7 1-3<span class=\"_ _1\"></span>, 2. ledd. V<span class=\"_ _2\"></span>ed </span><span style=\"display:inherit;clear:left;\">anv<span class=\"_ _1\"></span>endelse a<span class=\"_ _1\"></span>v denne f<span class=\"_ _1\"></span>orskrift i selskapsr<span class=\"_ _1\"></span>egnskape<span class=\"_ _1\"></span>t legg<span class=\"_ _1\"></span>es de </span><span style=\"display:inherit;clear:left;\">samme prinsipper til grunn som for IFRS me<span class=\"_ _1\"></span>d unntak a<span class=\"_ _2\"></span>v </span><span style=\"display:inherit;clear:left;\">regnsk<span class=\"_ _1\"></span>aps <span class=\"_ _4\"></span>f\u00f8ring a<span class=\"_ _2\"></span>v utbytt<span class=\"_ _1\"></span>e, konsernbidr<span class=\"_ _1\"></span>ag og \u00f8<span class=\"_ _1\"></span>vrig<span class=\"_ _1\"></span>e utdeling<span class=\"_ _1\"></span>er </span><span style=\"display:inherit;clear:left;\">knyt<span class=\"_ _1\"></span>te<span class=\"_ _1\"></span>t til r<span class=\"_ _1\"></span>egnskaps\u00e5r<span class=\"_ _1\"></span>et<span class=\"_ _1\"></span>s resulta<span class=\"_ _2\"></span>t<span class=\"_ _8\"></span>. I selskapsr<span class=\"_ _1\"></span>egnskape<span class=\"_ _1\"></span>t er </span><span style=\"display:inherit;clear:left;\">for<span class=\"_ _1\"></span>esl\u00e5<span class=\"_ _2\"></span>tt utbyt<span class=\"_ _1\"></span>te og ga<span class=\"_ _2\"></span>ver til utdeling r<span class=\"_ _1\"></span>egnskaps<span class=\"_ _1\"></span>f<span class=\"_ _1\"></span>\u00f8rt det \u00e5r<span class=\"_ _1\"></span>e<span class=\"_ _1\"></span>t </span><span style=\"display:inherit;clear:left;\">som er grunnlage<span class=\"_ _1\"></span>t f<span class=\"_ _1\"></span>or utdeling<span class=\"_ _1\"></span>en.</span><span style=\"display:inherit;clear:left;\">Utarbeidelsen a<span class=\"_ _1\"></span>v \u00e5rsr<span class=\"_ _1\"></span>egnskape<span class=\"_ _1\"></span>t og bruk a<span class=\"_ _1\"></span>v IFRS kr<span class=\"_ _1\"></span>ev<span class=\"_ _1\"></span>er bruk a<span class=\"_ _1\"></span>v </span><span style=\"display:inherit;clear:left;\">estima<span class=\"_ _1\"></span>t<span class=\"_ _1\"></span>er<span class=\"_ _0\"></span>. Videre kre<span class=\"_ _1\"></span>v<span class=\"_ _1\"></span>er anv<span class=\"_ _1\"></span>endelse a<span class=\"_ _1\"></span>v de in<span class=\"_ _1\"></span>ternasjonale </span><span style=\"display:inherit;clear:left;\">standar<span class=\"_ _1\"></span>der a<span class=\"_ _1\"></span>t ledelsen m\u00e5 ut<span class=\"_ _1\"></span>\u00f8<span class=\"_ _1\"></span>ve skj\u00f8nn. Omr<span class=\"_ _1\"></span>\u00e5der som i s<span class=\"_ _1\"></span>t<span class=\"_ _1\"></span>or gra<span class=\"_ _1\"></span>d </span><span style=\"display:inherit;clear:left;\">inneholder slike skj\u00f8nnsmes<span class=\"_ _1\"></span>sige es<span class=\"_ _1\"></span>tima<span class=\"_ _1\"></span>ter<span class=\"_ _0\"></span>, h\u00f8y gr<span class=\"_ _1\"></span>ad a<span class=\"_ _2\"></span>v </span><span style=\"display:inherit;clear:left;\">kompleksit<span class=\"_ _1\"></span>e<span class=\"_ _1\"></span>t, eller omr\u00e5<span class=\"_ _1\"></span>der hv<span class=\"_ _1\"></span>or f<span class=\"_ _1\"></span>orutsetning<span class=\"_ _1\"></span>er og es<span class=\"_ _1\"></span>tima<span class=\"_ _1\"></span>ter er </span><span style=\"display:inherit;clear:left;\">vesen<span class=\"_ _1\"></span>tlig<span class=\"_ _1\"></span>e f<span class=\"_ _1\"></span>or morbank<span class=\"_ _1\"></span>- eller konsernr<span class=\"_ _1\"></span>egnskap er beskr<span class=\"_ _1\"></span>e<span class=\"_ _1\"></span>v<span class=\"_ _1\"></span>et i </span><span style=\"display:inherit;clear:left;\">not<span class=\"_ _1\"></span>e 2. </span><span style=\"display:inherit;clear:left;\">ENDRINGER I REGNSKAPSPRINSIPPER</span><span style=\"display:inherit;clear:left;\">Det er ing<span class=\"_ _1\"></span>en ny<span class=\"_ _1\"></span>e s<span class=\"_ _1\"></span>tandar<span class=\"_ _1\"></span>der som har tr<span class=\"_ _1\"></span>\u00e5dt i kr<span class=\"_ _1\"></span>a<span class=\"_ _1\"></span>ft med virkning </span><span style=\"display:inherit;clear:left;\">for r<span class=\"_ _1\"></span>egnsk<span class=\"_ _1\"></span>aps\u00e5re<span class=\"_ _1\"></span>t 2<span class=\"_ _1\"></span>02<span class=\"_ _1\"></span>3. De<span class=\"_ _1\"></span>t er gjort enkelt<span class=\"_ _1\"></span>e endringer i </span><span style=\"display:inherit;clear:left;\">gjeldende standar<span class=\"_ _1\"></span>der ut<span class=\"_ _1\"></span>en a<span class=\"_ _1\"></span>t det<span class=\"_ _1\"></span>te har ha<span class=\"_ _2\"></span>tt mat<span class=\"_ _1\"></span>eriell ef<span class=\"_ _1\"></span>f<span class=\"_ _1\"></span>ekt for </span><span style=\"display:inherit;clear:left;\">Sparebank<span class=\"_ _1\"></span>en V<span class=\"_ _2\"></span>est. IAS 1 \u2013 Pre<span class=\"_ _1\"></span>senta<span class=\"_ _2\"></span>tion of Financial Sta<span class=\"_ _1\"></span>t<span class=\"_ _1\"></span>ements </span><span style=\"display:inherit;clear:left;\">er noe endre<span class=\"_ _1\"></span>t. Endringen gjelder opply<span class=\"_ _1\"></span>sninger om an<span class=\"_ _1\"></span>v<span class=\"_ _1\"></span>endt </span><span style=\"display:inherit;clear:left;\">regnsk<span class=\"_ _1\"></span>apsprak<span class=\"_ _1\"></span>sis, og klar<span class=\"_ _1\"></span>gj\u00f8r a<span class=\"_ _1\"></span>t det sk<span class=\"_ _1\"></span>al gis opplysninger om </span><span style=\"display:inherit;clear:left;\">vesen<span class=\"_ _1\"></span>tlig<span class=\"_ _1\"></span>e (\u00abma<span class=\"_ _1\"></span>terial\u00bb) r<span class=\"_ _1\"></span>egnskapsprinsipper \u2013 endr<span class=\"_ _1\"></span>e<span class=\"_ _1\"></span>t fr<span class=\"_ _1\"></span>a viktige </span><span style=\"display:inherit;clear:left;\">(\u00absignificant\u00bb). Regnskapsprinsippene er gjennomg<span class=\"_ _1\"></span>\u00e5<span class=\"_ _1\"></span>tt og </span><span style=\"display:inherit;clear:left;\">omf<span class=\"_ _1\"></span>ang<span class=\"_ _1\"></span>et a<span class=\"_ _2\"></span>v beskrivelsene er noe re<span class=\"_ _1\"></span>dusert. I tillegg er en del </span><span style=\"display:inherit;clear:left;\">detaljert<span class=\"_ _1\"></span>e teks<span class=\"_ _1\"></span>tlige opply<span class=\"_ _1\"></span>sninger t<span class=\"_ _1\"></span>a<span class=\"_ _1\"></span>tt ut a<span class=\"_ _1\"></span>v denne no<span class=\"_ _1\"></span>te (prinsipp-</span><span style=\"display:inherit;clear:left;\">not<span class=\"_ _1\"></span>en) og innarbeidet i de r<span class=\"_ _1\"></span>espektiv<span class=\"_ _1\"></span>e tallopps<span class=\"_ _1\"></span>tillingene i </span><span style=\"display:inherit;clear:left;\">et<span class=\"_ _1\"></span>terf<span class=\"_ _1\"></span>\u00f8lgende no<span class=\"_ _1\"></span>t<span class=\"_ _1\"></span>er<span class=\"_ _2\"></span>. </span><span style=\"display:inherit;clear:left;\">K<span class=\"_ _1\"></span>ONSOLIDERINGSPRINSIPPER</span><span style=\"display:inherit;clear:left;\">Regnskapsprinsippene anv<span class=\"_ _1\"></span>endes k<span class=\"_ _1\"></span>onsist<span class=\"_ _1\"></span>ent v<span class=\"_ _1\"></span>ed innarbeiding a<span class=\"_ _1\"></span>v </span><span style=\"display:inherit;clear:left;\">eierint<span class=\"_ _1\"></span>er<span class=\"_ _1\"></span>esser i k<span class=\"_ _1\"></span>onsernselskaper og er basert p\u00e5 de samme </span><span style=\"display:inherit;clear:left;\">rapport<span class=\"_ _1\"></span>eringsperiodene som f<span class=\"_ _1\"></span>or morselskape<span class=\"_ _1\"></span>t. </span><span style=\"display:inherit;clear:left;\">Konsernin<span class=\"_ _1\"></span>terne tr<span class=\"_ _1\"></span>ansak<span class=\"_ _1\"></span>sjoner og konsernmellom<span class=\"_ _1\"></span>v<span class=\"_ _1\"></span>\u00e6r<span class=\"_ _1\"></span>ende, </span><span style=\"display:inherit;clear:left;\">inkludert int<span class=\"_ _1\"></span>ernf<span class=\"_ _1\"></span>ortjenes<span class=\"_ _1\"></span>te og ur<span class=\"_ _1\"></span>ealisert ge<span class=\"_ _1\"></span>vinst og tap<span class=\"_ _1\"></span>, </span><span style=\"display:inherit;clear:left;\"><span><span style=\"display:inherit;clear:left;\">elimineres v<span class=\"_ _1\"></span>ed utarbeidelse a<span class=\"_ _2\"></span>v konsernregnskape<span class=\"_ _1\"></span>t.</span></span> </span><span style=\"display:inherit;clear:left;\">V<span class=\"_ _2\"></span>ALUT<span class=\"_ _2\"></span>A</span><span style=\"display:inherit;clear:left;\">Konserne<span class=\"_ _1\"></span>ts pr<span class=\"_ _1\"></span>esen<span class=\"_ _1\"></span>tasjonsv<span class=\"_ _1\"></span>aluta er norsk<span class=\"_ _1\"></span>e kr<span class=\"_ _1\"></span>oner<span class=\"_ _0\"></span>. Dett<span class=\"_ _1\"></span>e er ogs\u00e5 </span><span style=\"display:inherit;clear:left;\">morselskape<span class=\"_ _1\"></span>t, da<span class=\"_ _1\"></span>tter<span class=\"_ _1\"></span>selskap og tilkn<span class=\"_ _1\"></span>ytt<span class=\"_ _1\"></span>ede selskap sin </span><span style=\"display:inherit;clear:left;\">funksjonelle v<span class=\"_ _1\"></span>aluta. </span><span style=\"display:inherit;clear:left;\">Bankens f<span class=\"_ _1\"></span>or<span class=\"_ _1\"></span>dringer og gjeld i ut<span class=\"_ _1\"></span>enlandsk v<span class=\"_ _1\"></span>aluta er i r<span class=\"_ _1\"></span>egnskape<span class=\"_ _1\"></span>t </span><span style=\"display:inherit;clear:left;\">omregne<span class=\"_ _1\"></span>t til kur<span class=\"_ _1\"></span>sen p\u00e5 balansedagen. V<span class=\"_ _2\"></span>alutapost<span class=\"_ _1\"></span>ene er </span><span style=\"display:inherit;clear:left;\">hov<span class=\"_ _1\"></span>edsak<span class=\"_ _1\"></span>elig sikr<span class=\"_ _1\"></span>et v<span class=\"_ _1\"></span>ed tils<span class=\"_ _1\"></span>v<span class=\"_ _1\"></span>ar<span class=\"_ _1\"></span>ende post<span class=\"_ _1\"></span>er p\u00e5 motsa<span class=\"_ _2\"></span>tt side av </span><span style=\"display:inherit;clear:left;\">balansen eller ved bruk a<span class=\"_ _2\"></span>v deriva<span class=\"_ _1\"></span>ter<span class=\"_ _0\"></span>.</span><span style=\"display:inherit;clear:left;\">Innt<span class=\"_ _1\"></span>ekter og k<span class=\"_ _1\"></span>ostna<span class=\"_ _1\"></span>der i v<span class=\"_ _1\"></span>aluta er omr<span class=\"_ _1\"></span>egnet til nor<span class=\"_ _1\"></span>ske kr<span class=\"_ _1\"></span>oner </span><span style=\"display:inherit;clear:left;\">et<span class=\"_ _1\"></span>ter k<span class=\"_ _1\"></span>ursen p\u00e5 tr<span class=\"_ _1\"></span>ansaksjonstidspunkt<span class=\"_ _1\"></span>e<span class=\"_ _1\"></span>t.</span><span style=\"display:inherit;clear:left;\">F<span class=\"_ _1\"></span>ORPLIKTELSER<span class=\"ff4\">/</span>A<span class=\"_ _2\"></span>VSETNINGER</span><span style=\"display:inherit;clear:left;\">A<span class=\"_ _1\"></span>vse<span class=\"_ _1\"></span>tning f<span class=\"_ _1\"></span>or f<span class=\"_ _1\"></span>orpliktelser er f<span class=\"_ _1\"></span>or<span class=\"_ _1\"></span>e<span class=\"_ _1\"></span>ta<span class=\"_ _1\"></span>tt i sams<span class=\"_ _1\"></span>v<span class=\"_ _1\"></span>ar med IAS 3<span class=\"_ _2\"></span>7<span class=\"_ _2\"></span>. Kra<span class=\"_ _1\"></span>v </span><span style=\"display:inherit;clear:left;\">til a<span class=\"_ _1\"></span>vse<span class=\"_ _1\"></span>tning er a<span class=\"_ _1\"></span>t de<span class=\"_ _1\"></span>t eksist<span class=\"_ _1\"></span>er<span class=\"_ _1\"></span>er en f<span class=\"_ _1\"></span>orpliktelse som f<span class=\"_ _1\"></span>\u00f8lg<span class=\"_ _1\"></span>e a<span class=\"_ _1\"></span>v </span><span style=\"display:inherit;clear:left;\">tidliger<span class=\"_ _1\"></span>e hendelser<span class=\"_ _0\"></span>, og at de<span class=\"_ _1\"></span>t er sannsynlighe<span class=\"_ _1\"></span>tso<span class=\"_ _1\"></span>v<span class=\"_ _1\"></span>ervekt f<span class=\"_ _1\"></span>or a<span class=\"_ _1\"></span>t </span><span style=\"display:inherit;clear:left;\">forplikt<span class=\"_ _1\"></span>elsen vil k<span class=\"_ _1\"></span>omme til oppgj\u00f8r<span class=\"_ _2\"></span>. A<span class=\"_ _1\"></span>vse<span class=\"_ _1\"></span>tning<span class=\"_ _1\"></span>en er ber<span class=\"_ _1\"></span>egnet som </span><span style=\"display:inherit;clear:left;\">n\u00e5<span class=\"_ _1\"></span>ver<span class=\"_ _1\"></span>dien a<span class=\"_ _2\"></span>v forven<span class=\"_ _1\"></span>tede utbe<span class=\"_ _1\"></span>taling<span class=\"_ _1\"></span>er f<span class=\"_ _1\"></span>or \u00e5 innfri f<span class=\"_ _1\"></span>orplikt<span class=\"_ _1\"></span>elsen.</span><span style=\"display:inherit;clear:left;\">HENDELSER ETTER BALANSEDA<span class=\"_ _1\"></span>GEN</span><span style=\"display:inherit;clear:left;\">Det opply<span class=\"_ _1\"></span>ses om hendelser et<span class=\"_ _1\"></span>ter balanse<span class=\"_ _1\"></span>dagen i samsv<span class=\"_ _2\"></span>ar med </span><span style=\"display:inherit;clear:left;\">IAS 10<span class=\"_ _1\"></span>. Opplysning<span class=\"_ _1\"></span>ene omf<span class=\"_ _1\"></span>a<span class=\"_ _2\"></span>tter hendelser som ikke innr<span class=\"_ _1\"></span>egnes i </span><span style=\"display:inherit;clear:left;\">konserne<span class=\"_ _1\"></span>ts finansr<span class=\"_ _1\"></span>egnskap<span class=\"_ _1\"></span>, men som er a<span class=\"_ _1\"></span>v en slik art at de er </span><span style=\"display:inherit;clear:left;\">vesen<span class=\"_ _1\"></span>tlig<span class=\"_ _1\"></span>e f<span class=\"_ _1\"></span>or vurdering a<span class=\"_ _2\"></span>v virksomheten.</span><span style=\"display:inherit;clear:left;\">K<span class=\"_ _1\"></span>OMMENDE ENDRINGER TIL ST<span class=\"_ _0\"></span>ANDARDER OG </span><span style=\"display:inherit;clear:left;\">F<span class=\"_ _1\"></span>ORTOLKNINGER</span><span style=\"display:inherit;clear:left;\">Per 3<span class=\"_ _1\"></span>1. desember 2<span class=\"_ _1\"></span>02<span class=\"_ _1\"></span>3 er det r<span class=\"_ _1\"></span>ela<span class=\"_ _1\"></span>tivt f<span class=\"_ _1\"></span>\u00e5 kjen<span class=\"_ _1\"></span>t<span class=\"_ _1\"></span>e frem<span class=\"_ _1\"></span>tidig<span class=\"_ _1\"></span>e </span><span style=\"display:inherit;clear:left;\">endringer i r<span class=\"_ _1\"></span>egnskapsprinsipper som f<span class=\"_ _1\"></span>\u00e5r k<span class=\"_ _1\"></span>onsekvenser f<span class=\"_ _1\"></span>or </span><span style=\"display:inherit;clear:left;\">regnsk<span class=\"_ _1\"></span>apet til Spar<span class=\"_ _1\"></span>ebank<span class=\"_ _1\"></span>en V<span class=\"_ _2\"></span>est.  </span><span style=\"display:inherit;clear:left;\">Det er an<span class=\"_ _1\"></span>ta<span class=\"_ _1\"></span>t<span class=\"_ _1\"></span>t a<span class=\"_ _1\"></span>t kjen<span class=\"_ _1\"></span>te endring<span class=\"_ _1\"></span>er ikke vil gi noen ma<span class=\"_ _1\"></span>teriell e<span class=\"_ _1\"></span>ff<span class=\"_ _1\"></span>ekt </span><span style=\"display:inherit;clear:left;\"><span><span style=\"display:inherit;clear:left;\">for r<span class=\"_ _1\"></span>egnsk<span class=\"_ _1\"></span>apet til Spar<span class=\"_ _1\"></span>ebank<span class=\"_ _1\"></span>en V<span class=\"_ _2\"></span>est.</span></span> </span><span style=\"display:inherit;clear:left;\">No<span class=\"_ _1\"></span>te 2 R<span class=\"_ _1\"></span>egnska<span class=\"_ _1\"></span>psestimat<span class=\"_ _1\"></span>er og s<span class=\"_ _1\"></span>kj\u00f8nnsmessi<span class=\"_ _1\"></span>ge vurderinger</span><span style=\"display:inherit;clear:left;\">V<span class=\"_ _2\"></span>ed utarbeidelse av \u00e5rsr<span class=\"_ _1\"></span>egnskape<span class=\"_ _1\"></span>t i henhold til IFRS har </span><span style=\"display:inherit;clear:left;\">konserne<span class=\"_ _1\"></span>ts ledelse ben<span class=\"_ _1\"></span>ytt<span class=\"_ _1\"></span>et es<span class=\"_ _1\"></span>tima<span class=\"_ _1\"></span>ter og f<span class=\"_ _1\"></span>orutse<span class=\"_ _1\"></span>tning<span class=\"_ _1\"></span>er<span class=\"_ _0\"></span>, som </span><span style=\"display:inherit;clear:left;\">p\u00e5<span class=\"_ _1\"></span>virker r<span class=\"_ _1\"></span>egnskaps<span class=\"_ _1\"></span>f<span class=\"_ _1\"></span>\u00f8rt bel\u00f8p for eiendeler<span class=\"_ _0\"></span>, forplikt<span class=\"_ _1\"></span>elser<span class=\"_ _0\"></span>, </span><span style=\"display:inherit;clear:left;\">egenkapital og r<span class=\"_ _1\"></span>esulta<span class=\"_ _2\"></span>t<span class=\"_ _8\"></span>. Benyt<span class=\"_ _1\"></span>tede es<span class=\"_ _1\"></span>tima<span class=\"_ _1\"></span>ter er basert p\u00e5 bes<span class=\"_ _1\"></span>te </span><span style=\"display:inherit;clear:left;\">skj\u00f8nn og forut<span class=\"_ _1\"></span>setning<span class=\"_ _1\"></span>er som er vur<span class=\"_ _1\"></span>dert \u00e5 v\u00e6r<span class=\"_ _1\"></span>e r<span class=\"_ _1\"></span>ealis<span class=\"_ _1\"></span>tiske p\u00e5 </span><span style=\"display:inherit;clear:left;\">balansetidspunkt<span class=\"_ _1\"></span>et. Ny in<span class=\"_ _1\"></span>f<span class=\"_ _1\"></span>ormasjon og fr<span class=\"_ _1\"></span>emtidig<span class=\"_ _1\"></span>e hendelser kan </span><span style=\"display:inherit;clear:left;\">medf<span class=\"_ _1\"></span>\u00f8re v<span class=\"_ _1\"></span>esen<span class=\"_ _1\"></span>tlig endr<span class=\"_ _1\"></span>ede estima<span class=\"_ _2\"></span>ter med tilh\u00f8rende endring i </span><span style=\"display:inherit;clear:left;\">regnsk<span class=\"_ _1\"></span>apsf<span class=\"_ _1\"></span>\u00f8rte s<span class=\"_ _1\"></span>t\u00f8rr<span class=\"_ _1\"></span>elser<span class=\"_ _0\"></span>. Konserne<span class=\"_ _1\"></span>ts viktigst<span class=\"_ _1\"></span>e estima<span class=\"_ _1\"></span>t<span class=\"_ _1\"></span>er og </span><span style=\"display:inherit;clear:left;\">forut<span class=\"_ _1\"></span>setning<span class=\"_ _1\"></span>er er dr<span class=\"_ _1\"></span>\u00f8ft<span class=\"_ _1\"></span>e<span class=\"_ _1\"></span>t nedenf<span class=\"_ _1\"></span>or<span class=\"_ _0\"></span>. </span><span style=\"display:inherit;clear:left;\">T<span class=\"_ _2\"></span>ap p\u00e5 utl\u00e5n, uben<span class=\"_ _1\"></span>ytte<span class=\"_ _1\"></span>t kr<span class=\"_ _1\"></span>edit<span class=\"_ _1\"></span>t og gar<span class=\"_ _1\"></span>an<span class=\"_ _1\"></span>tier</span><span style=\"display:inherit;clear:left;\">Praktisering a<span class=\"_ _2\"></span>v bankens tapsmodell kre<span class=\"_ _1\"></span>v<span class=\"_ _1\"></span>er bruk a<span class=\"_ _1\"></span>v skj\u00f8nn p\u00e5 </span><span style=\"display:inherit;clear:left;\">flere niv<span class=\"_ _2\"></span>\u00e5<span class=\"_ _8\"></span>. F<span class=\"_ _2\"></span>or n\u00e6rmere beskrivelse a<span class=\"_ _2\"></span>v tapsmodellen og </span><span style=\"display:inherit;clear:left;\">estimeringsusikk<span class=\"_ _1\"></span>erhet vises til no<span class=\"_ _1\"></span>t<span class=\"_ _1\"></span>e 11 og 13. </span><span style=\"display:inherit;clear:left;\">De vesen<span class=\"_ _1\"></span>tligs<span class=\"_ _1\"></span>te elemen<span class=\"_ _1\"></span>tene som er underlagt s<span class=\"_ _1\"></span>t<span class=\"_ _1\"></span>or gra<span class=\"_ _1\"></span>d a<span class=\"_ _1\"></span>v </span><span style=\"display:inherit;clear:left;\">skj\u00f8nnsmessig vur<span class=\"_ _1\"></span>dering vil bli om<span class=\"_ _1\"></span>talt nedenf<span class=\"_ _1\"></span>or:</span><span style=\"display:inherit;clear:left;\">\u2022  <span class=\"_ _4\"></span>F<span class=\"_ _1\"></span>r<span class=\"_ _1\"></span>amtidsr<span class=\"_ _1\"></span>e<span class=\"_ _1\"></span>tt<span class=\"_ _1\"></span>e<span class=\"_ _1\"></span>t makroin<span class=\"_ _1\"></span>f<span class=\"_ _1\"></span>ormasjon i ulik<span class=\"_ _1\"></span>e scenarier kr<span class=\"_ _1\"></span>ev<span class=\"_ _1\"></span>er bruk </span><span style=\"display:inherit;clear:left;\">a<span class=\"_ _1\"></span>v skj\u00f8nn. Det legg<span class=\"_ _1\"></span>es imidlertid til grunn a<span class=\"_ _1\"></span>t denne skj\u00f8nns-</span><span style=\"display:inherit;clear:left;\">anv<span class=\"_ _1\"></span>endelsen skal v<span class=\"_ _1\"></span>\u00e6r<span class=\"_ _1\"></span>e konsis<span class=\"_ _1\"></span>t<span class=\"_ _1\"></span>ent med bank<span class=\"_ _1\"></span>ens \u00f8<span class=\"_ _1\"></span>vrige ag<span class=\"_ _1\"></span>ering i </span><span style=\"display:inherit;clear:left;\">forhold til makr<span class=\"_ _1\"></span>os<span class=\"_ _1\"></span>yn. F<span class=\"_ _2\"></span>or vurdering a<span class=\"_ _1\"></span>v makr<span class=\"_ _1\"></span>outsikt<span class=\"_ _1\"></span>er har banken </span><span style=\"display:inherit;clear:left;\">ta<span class=\"_ _1\"></span>tt utgangspunkt i P<span class=\"_ _1\"></span>eng<span class=\"_ _1\"></span>epolitisk r<span class=\"_ _1\"></span>apport fra Nor<span class=\"_ _1\"></span>g<span class=\"_ _1\"></span>es Bank. </span><span style=\"display:inherit;clear:left;\">\u2022  <span class=\"_ _4\"></span>Videre kr<span class=\"_ _1\"></span>ev<span class=\"_ _1\"></span>er de<span class=\"_ _1\"></span>t utstr<span class=\"_ _1\"></span>akt bruk a<span class=\"_ _1\"></span>v skj\u00f8nn f<span class=\"_ _1\"></span>or \u00e5 tr<span class=\"_ _1\"></span>ans<span class=\"_ _1\"></span>former<span class=\"_ _1\"></span>e e<span class=\"_ _1\"></span>t </span><span style=\"display:inherit;clear:left;\">makros<span class=\"_ _1\"></span>yn til br<span class=\"_ _1\"></span>ansjenes PD-baner og pan<span class=\"_ _1\"></span>te<span class=\"_ _1\"></span>ver<span class=\"_ _1\"></span>dier<span class=\"_ _0\"></span>.</span><span style=\"display:inherit;clear:left;\">\u2022  <span class=\"_ _4\"></span>Identifikasjon a<span class=\"_ _1\"></span>v engasjemen<span class=\"_ _1\"></span>t til w<span class=\"_ _1\"></span>a<span class=\"_ _1\"></span>tchlis<span class=\"_ _1\"></span>t med p\u00e5<span class=\"_ _1\"></span>f<span class=\"_ _1\"></span>\u00f8lgende </span><span style=\"display:inherit;clear:left;\">ov<span class=\"_ _1\"></span>ers<span class=\"_ _1\"></span>tyring a<span class=\"_ _1\"></span>v aut<span class=\"_ _1\"></span>oma<span class=\"_ _1\"></span>tiske modellber<span class=\"_ _1\"></span>egning<span class=\"_ _1\"></span>er er ogs\u00e5 en </span><span style=\"display:inherit;clear:left;\">skj\u00f8nnsbasert proses<span class=\"_ _1\"></span>s. </span><span style=\"display:inherit;clear:left;\">\u2022  <span class=\"_ _4\"></span>Individuelle tapsvurdering<span class=\"_ _1\"></span>er blir gjort for eng<span class=\"_ _1\"></span>asjement h<span class=\"_ _1\"></span>v<span class=\"_ _1\"></span>or det </span><span style=\"display:inherit;clear:left;\">for<span class=\"_ _1\"></span>eligg<span class=\"_ _1\"></span>er objektiv<span class=\"_ _1\"></span>e indikasjoner p\u00e5 a<span class=\"_ _1\"></span>t de<span class=\"_ _1\"></span>t har inntruf<span class=\"_ _1\"></span>fe<span class=\"_ _1\"></span>t en eller </span><span style=\"display:inherit;clear:left;\">flere hendelser siden f<span class=\"_ _1\"></span>\u00f8r<span class=\"_ _1\"></span>st<span class=\"_ _1\"></span>egangsinnr<span class=\"_ _1\"></span>egning a<span class=\"_ _1\"></span>v eiendelen, og </span><span style=\"display:inherit;clear:left;\">som forv<span class=\"_ _1\"></span>en<span class=\"_ _1\"></span>tes \u00e5 inneb\u00e6r<span class=\"_ _1\"></span>e en risik<span class=\"_ _1\"></span>o f<span class=\"_ _1\"></span>or re<span class=\"_ _1\"></span>dusert betjeningsevne. </span><span style=\"display:inherit;clear:left;\">I disse tilf<span class=\"_ _1\"></span>ellene vil de<span class=\"_ _1\"></span>t bli anv<span class=\"_ _1\"></span>endt skj\u00f8nn b\u00e5de i vur<span class=\"_ _1\"></span>dering a<span class=\"_ _1\"></span>v </span><span style=\"display:inherit;clear:left;\">objektive hendelser<span class=\"_ _1\"></span>s p\u00e5<span class=\"_ _1\"></span>virkning a<span class=\"_ _1\"></span>v betjeningse<span class=\"_ _1\"></span>vne og </span><span style=\"display:inherit;clear:left;\">estimering a<span class=\"_ _1\"></span>v po<span class=\"_ _1\"></span>tensiell taps<span class=\"_ _1\"></span>st<span class=\"_ _1\"></span>\u00f8rr<span class=\"_ _1\"></span>else.</span><span style=\"display:inherit;clear:left;\">Nedskrivningsbel\u00f8p f<span class=\"_ _1\"></span>astse<span class=\"_ _1\"></span>tt<span class=\"_ _1\"></span>es ut fr<span class=\"_ _1\"></span>a en vur<span class=\"_ _1\"></span>dering a<span class=\"_ _1\"></span>v f<span class=\"_ _1\"></span>orskjellen </span><span style=\"display:inherit;clear:left;\">mellom balansef<span class=\"_ _1\"></span>\u00f8rt v<span class=\"_ _1\"></span>er<span class=\"_ _1\"></span>di (hov<span class=\"_ _1\"></span>eds<span class=\"_ _1\"></span>tol + p\u00e5l\u00f8p<span class=\"_ _1\"></span>te r<span class=\"_ _1\"></span>en<span class=\"_ _1\"></span>t<span class=\"_ _1\"></span>er p\u00e5 </span><span style=\"display:inherit;clear:left;\">vurderings<span class=\"_ _1\"></span>tidspunkte<span class=\"_ _1\"></span>t) og n\u00e5<span class=\"_ _1\"></span>v<span class=\"_ _1\"></span>er<span class=\"_ _1\"></span>dien a<span class=\"_ _1\"></span>v fr<span class=\"_ _1\"></span>em<span class=\"_ _1\"></span>tidige k<span class=\"_ _1\"></span>ont<span class=\"_ _1\"></span>ant<span class=\"_ _1\"></span>-</span><span style=\"display:inherit;clear:left;\">str<span class=\"_ _1\"></span>\u00f8mmer<span class=\"_ _0\"></span>, neddiskont<span class=\"_ _1\"></span>ert med ef<span class=\"_ _1\"></span>fektiv r<span class=\"_ _1\"></span>en<span class=\"_ _1\"></span>t<span class=\"_ _1\"></span>e ov<span class=\"_ _1\"></span>er l\u00e5ne<span class=\"_ _1\"></span>ts </span><span style=\"display:inherit;clear:left;\">forv<span class=\"_ _1\"></span>en<span class=\"_ _1\"></span>tede le<span class=\"_ _1\"></span>v<span class=\"_ _1\"></span>etid.</span><span style=\"display:inherit;clear:left;\">V<span class=\"_ _2\"></span>ed estimering av nedskriving p\u00e5 enk<span class=\"_ _1\"></span>eltkunder vur<span class=\"_ _1\"></span>der<span class=\"_ _1\"></span>es b\u00e5de </span><span style=\"display:inherit;clear:left;\">aktuell og forv<span class=\"_ _1\"></span>en<span class=\"_ _1\"></span>te<span class=\"_ _1\"></span>t fr<span class=\"_ _1\"></span>em<span class=\"_ _1\"></span>tidig finansiell stilling. F<span class=\"_ _2\"></span>or engasjement </span><span style=\"display:inherit;clear:left;\">i bedriftsmarkede<span class=\"_ _1\"></span>t vur<span class=\"_ _1\"></span>der<span class=\"_ _1\"></span>es ogs\u00e5 markeds<span class=\"_ _1\"></span>situasjonen f<span class=\"_ _1\"></span>or </span><span style=\"display:inherit;clear:left;\">kunden, markeds<span class=\"_ _1\"></span>f<span class=\"_ _1\"></span>orholdene innen<span class=\"_ _1\"></span>f<span class=\"_ _1\"></span>or aktuell bransje og g<span class=\"_ _1\"></span>ener<span class=\"_ _1\"></span>elle </span><span style=\"display:inherit;clear:left;\">markeds<span class=\"_ _1\"></span>f<span class=\"_ _1\"></span>orhold a<span class=\"_ _1\"></span>v bety<span class=\"_ _1\"></span>dning f<span class=\"_ _1\"></span>or engasjemen<span class=\"_ _1\"></span>t<span class=\"_ _1\"></span>et. Vider<span class=\"_ _1\"></span>e </span><span style=\"display:inherit;clear:left;\">vurder<span class=\"_ _1\"></span>es mulighe<span class=\"_ _1\"></span>t<span class=\"_ _1\"></span>ene for r<span class=\"_ _1\"></span>es<span class=\"_ _1\"></span>truktur<span class=\"_ _1\"></span>ering, re<span class=\"_ _1\"></span>finansiering og </span><span style=\"display:inherit;clear:left;\">rek<span class=\"_ _1\"></span>apitalisering. </span><span style=\"display:inherit;clear:left;\">Samlet vur<span class=\"_ _1\"></span>dering a<span class=\"_ _1\"></span>v dis<span class=\"_ _1\"></span>se forholdene legg<span class=\"_ _1\"></span>es til grunn f<span class=\"_ _1\"></span>or </span><span style=\"display:inherit;clear:left;\">estimering a<span class=\"_ _1\"></span>v fr<span class=\"_ _1\"></span>em<span class=\"_ _1\"></span>tidig kon<span class=\"_ _1\"></span>tan<span class=\"_ _1\"></span>ts<span class=\"_ _1\"></span>tr\u00f8m. Ne<span class=\"_ _1\"></span>ddiskon<span class=\"_ _1\"></span>terings<span class=\"_ _1\"></span>-</span><span style=\"display:inherit;clear:left;\">perioden estimer<span class=\"_ _1\"></span>es individuelt eller basert p\u00e5 erf<span class=\"_ _1\"></span>aringsda<span class=\"_ _1\"></span>ta om </span><span style=\"display:inherit;clear:left;\">perioden fram til en l\u00f8sning p\u00e5 de f<span class=\"_ _1\"></span>orhold som har f<span class=\"_ _1\"></span>or<span class=\"_ _1\"></span>\u00e5rsak<span class=\"_ _1\"></span>e<span class=\"_ _1\"></span>t a<span class=\"_ _1\"></span>t </span><span style=\"display:inherit;clear:left;\">engasjemen<span class=\"_ _1\"></span>te<span class=\"_ _1\"></span>t er utsa<span class=\"_ _1\"></span>tt f<span class=\"_ _1\"></span>or v<span class=\"_ _1\"></span>er<span class=\"_ _1\"></span>dif<span class=\"_ _1\"></span>all.</span><span style=\"display:inherit;clear:left;\">Estimering a<span class=\"_ _1\"></span>v fr<span class=\"_ _1\"></span>em<span class=\"_ _1\"></span>tidige k<span class=\"_ _1\"></span>on<span class=\"_ _1\"></span>tant<span class=\"_ _1\"></span>str<span class=\"_ _1\"></span>\u00f8mmer baser<span class=\"_ _1\"></span>es p\u00e5 erf<span class=\"_ _1\"></span>arings-</span><span style=\"display:inherit;clear:left;\">ma<span class=\"_ _1\"></span>teriale, t<span class=\"_ _1\"></span>olkning a<span class=\"_ _1\"></span>v tilgjengelig in<span class=\"_ _1\"></span>f<span class=\"_ _1\"></span>ormasjon sam<span class=\"_ _1\"></span>t utstr<span class=\"_ _1\"></span>akt bruk </span><span style=\"display:inherit;clear:left;\">a<span class=\"_ _1\"></span>v skj\u00f8nn, bla. i fram<span class=\"_ _1\"></span>tidsr<span class=\"_ _1\"></span>et<span class=\"_ _1\"></span>te<span class=\"_ _1\"></span>t makr<span class=\"_ _1\"></span>oin<span class=\"_ _1\"></span>f<span class=\"_ _1\"></span>ormasjon i ulike </span><span style=\"display:inherit;clear:left;\">scenarier<span class=\"_ _0\"></span>, \u00abover<span class=\"_ _1\"></span>set<span class=\"_ _1\"></span>ting\u00bb a<span class=\"_ _1\"></span>v makr<span class=\"_ _1\"></span>osyn til br<span class=\"_ _1\"></span>ansjenes PD-baner og </span><span style=\"display:inherit;clear:left;\">pant<span class=\"_ _1\"></span>ev<span class=\"_ _1\"></span>er<span class=\"_ _1\"></span>dier sam<span class=\"_ _1\"></span>t de mer skj\u00f8nnsmessig<span class=\"_ _1\"></span>e vurdering<span class=\"_ _1\"></span>ene som </span><span style=\"display:inherit;clear:left;\">ligger bak s<span class=\"_ _1\"></span>tegklassifisering<span class=\"_ _1\"></span>ene. Tilsv<span class=\"_ _2\"></span>arende blir det v<span class=\"_ _1\"></span>ed </span><span style=\"display:inherit;clear:left;\">individuelle vurdering<span class=\"_ _1\"></span>er anv<span class=\"_ _1\"></span>endt skj\u00f8nn b\u00e5<span class=\"_ _1\"></span>de i vurdering a<span class=\"_ _2\"></span>v </span><span style=\"display:inherit;clear:left;\">betjeningse<span class=\"_ _1\"></span>vne og estimering a<span class=\"_ _2\"></span>v potensiell tapss<span class=\"_ _1\"></span>t\u00f8rr<span class=\"_ _1\"></span>else. </span><span style=\"display:inherit;clear:left;\">Ovenne<span class=\"_ _1\"></span>vn<span class=\"_ _1\"></span>te skj\u00f8nnsut<span class=\"_ _1\"></span>\u00f8v<span class=\"_ _1\"></span>else har v<span class=\"_ _1\"></span>\u00e6rt spesielt utf<span class=\"_ _1\"></span>or<span class=\"_ _1\"></span>dr<span class=\"_ _1\"></span>ende i en </span><span style=\"display:inherit;clear:left;\">situasjon hv<span class=\"_ _1\"></span>or de \u00f8konomisk<span class=\"_ _1\"></span>e r<span class=\"_ _1\"></span>ammebe<span class=\"_ _1\"></span>tingelser er usikr<span class=\"_ _1\"></span>e, </span><span style=\"display:inherit;clear:left;\">herunder eff<span class=\"_ _1\"></span>ekt a<span class=\"_ _1\"></span>v r<span class=\"_ _1\"></span>en<span class=\"_ _1\"></span>t<span class=\"_ _1\"></span>e\u00f8kninger<span class=\"_ _0\"></span>, h\u00f8y priss<span class=\"_ _1\"></span>tigning og </span><span style=\"display:inherit;clear:left;\">energi priser<span class=\"_ _0\"></span>. </span><span style=\"display:inherit;clear:left;\">Gjennomf<span class=\"_ _1\"></span>\u00f8ring a<span class=\"_ _1\"></span>v bank<span class=\"_ _1\"></span>ens tapsvur<span class=\"_ _1\"></span>dering<span class=\"_ _1\"></span>er vil v<span class=\"_ _1\"></span>\u00e6r<span class=\"_ _1\"></span>e et r<span class=\"_ _1\"></span>esulta<span class=\"_ _1\"></span>t </span><span style=\"display:inherit;clear:left;\">a<span class=\"_ _1\"></span>v en pr<span class=\"_ _1\"></span>osess som inv<span class=\"_ _1\"></span>olv<span class=\"_ _1\"></span>er<span class=\"_ _1\"></span>er f<span class=\"_ _1\"></span>orr<span class=\"_ _1\"></span>etningsomr<span class=\"_ _1\"></span>\u00e5dene, sen<span class=\"_ _1\"></span>tr<span class=\"_ _1\"></span>ale </span><span style=\"display:inherit;clear:left;\">kredit<span class=\"_ _1\"></span>tmilj\u00f8er og andr<span class=\"_ _1\"></span>e f<span class=\"_ _1\"></span>agmilj\u00f8er<span class=\"_ _0\"></span>. </span><span style=\"display:inherit;clear:left;\">I banken er de<span class=\"_ _1\"></span>t hyppig gjennomg<span class=\"_ _1\"></span>ang a<span class=\"_ _1\"></span>v risikoutsa<span class=\"_ _2\"></span>tte engasje-</span><span style=\"display:inherit;clear:left;\">ment (\u00abw<span class=\"_ _1\"></span>a<span class=\"_ _1\"></span>t<span class=\"_ _1\"></span>chlist\u00bb), minimum kv<span class=\"_ _1\"></span>artalsvis. Gjennomg<span class=\"_ _1\"></span>angen har </span><span style=\"display:inherit;clear:left;\">s\u00e6rskilt f<span class=\"_ _1\"></span>okus p\u00e5 utsa<span class=\"_ _1\"></span>t<span class=\"_ _1\"></span>te br<span class=\"_ _1\"></span>ansjer<span class=\"_ _0\"></span>. Gjennomgangen inneb\u00e6r<span class=\"_ _1\"></span>er </span><span style=\"display:inherit;clear:left;\">aktiv oppf<span class=\"_ _1\"></span>\u00f8lging a<span class=\"_ _1\"></span>v kunden f<span class=\"_ _1\"></span>or \u00e5 kartlegge likvidit<span class=\"_ _1\"></span>e<span class=\"_ _1\"></span>t, ordr<span class=\"_ _1\"></span>e-</span><span style=\"display:inherit;clear:left;\">situasjon og betjeningse<span class=\"_ _1\"></span>vne. </span><span style=\"display:inherit;clear:left;\">Klimarisik<span class=\"_ _1\"></span>o</span><span style=\"display:inherit;clear:left;\">Klimarisiko gjelder usikk<span class=\"_ _1\"></span>erhet<span class=\"_ _1\"></span>en v<span class=\"_ _1\"></span>ed fysiske endring<span class=\"_ _1\"></span>er i klimae<span class=\"_ _1\"></span>t </span><span style=\"display:inherit;clear:left;\">(fysisk risiko) og endring<span class=\"_ _1\"></span>ene som f<span class=\"_ _1\"></span>\u00f8lger a<span class=\"_ _1\"></span>v tiltak og t<span class=\"_ _1\"></span>eknologi-</span><span style=\"display:inherit;clear:left;\">utvikling for \u00e5 begr<span class=\"_ _1\"></span>ense klima<span class=\"_ _1\"></span>endringene (o<span class=\"_ _1\"></span>v<span class=\"_ _1\"></span>er<span class=\"_ _1\"></span>gangsrisiko).</span><span style=\"display:inherit;clear:left;\">Str<span class=\"_ _1\"></span>andede eiendeler de<span class=\"_ _1\"></span>finer<span class=\"_ _1\"></span>es som eiendeler som har v<span class=\"_ _1\"></span>\u00e6rt </span><span style=\"display:inherit;clear:left;\">utsa<span class=\"_ _1\"></span>tt f<span class=\"_ _1\"></span>or uf<span class=\"_ _1\"></span>orutse<span class=\"_ _1\"></span>tt<span class=\"_ _1\"></span>e eller f<span class=\"_ _1\"></span>or tidlige r<span class=\"_ _1\"></span>eduksjoner i v<span class=\"_ _1\"></span>er<span class=\"_ _1\"></span>di. </span><span style=\"display:inherit;clear:left;\">V<span class=\"_ _2\"></span>erdifalle<span class=\"_ _1\"></span>t skyldes endring<span class=\"_ _1\"></span>er i eks<span class=\"_ _1\"></span>terne r<span class=\"_ _1\"></span>ammebe<span class=\"_ _1\"></span>tingelser<span class=\"_ _0\"></span>, som </span><span style=\"display:inherit;clear:left;\">endringer i t<span class=\"_ _1\"></span>eknologi, reg<span class=\"_ _1\"></span>elverk, a<span class=\"_ _1\"></span>tf<span class=\"_ _1\"></span>er<span class=\"_ _1\"></span>d eller markeder<span class=\"_ _0\"></span>. V<span class=\"_ _1\"></span>ed \u00f8kt </span><span style=\"display:inherit;clear:left;\">eksponering mo<span class=\"_ _1\"></span>t klimarisiko \u00f8k<span class=\"_ _1\"></span>er ogs\u00e5 risiko f<span class=\"_ _1\"></span>or s<span class=\"_ _1\"></span>tr<span class=\"_ _1\"></span>andede </span><span style=\"display:inherit;clear:left;\">eiendeler<span class=\"_ _2\"></span>.</span><span style=\"display:inherit;clear:left;\">Banken har vur<span class=\"_ _1\"></span>dert str<span class=\"_ _1\"></span>andede eiendeler innen br<span class=\"_ _1\"></span>ansjer som </span><span style=\"display:inherit;clear:left;\">kv<span class=\"_ _1\"></span>alifiserer f<span class=\"_ _1\"></span>or EUs tak<span class=\"_ _1\"></span>sonomi og kartlagt hvilk<span class=\"_ _1\"></span>e engasjemen<span class=\"_ _1\"></span>t </span><span style=\"display:inherit;clear:left;\">innenf<span class=\"_ _1\"></span>or dis<span class=\"_ _1\"></span>se bransjene som diskv<span class=\"_ _2\"></span>alifiserer i henhold til teknisk<span class=\"_ _1\"></span>e </span><span style=\"display:inherit;clear:left;\">screeningkrit<span class=\"_ _1\"></span>erier kn<span class=\"_ _1\"></span>ytt<span class=\"_ _1\"></span>et til milj\u00f8m\u00e5l og ikk<span class=\"_ _1\"></span>e-utgj\u00f8r<span class=\"_ _1\"></span>-v<span class=\"_ _1\"></span>esen<span class=\"_ _1\"></span>tlig<span class=\"_ _1\"></span>-</span><span style=\"display:inherit;clear:left;\">skade-aspekt<span class=\"_ _1\"></span>ene. Denne kartleggingen viser a<span class=\"_ _1\"></span>t banken har </span><span style=\"display:inherit;clear:left;\">enkelt<span class=\"_ _1\"></span>e engasjemen<span class=\"_ _1\"></span>t innen shipping som er knyt<span class=\"_ _1\"></span>te<span class=\"_ _1\"></span>t til fr<span class=\"_ _1\"></span>akt a<span class=\"_ _1\"></span>v </span><span style=\"display:inherit;clear:left;\">fos<span class=\"_ _1\"></span>sile drivs<span class=\"_ _1\"></span>to<span class=\"_ _1\"></span>ff og som derf<span class=\"_ _1\"></span>or diskv<span class=\"_ _1\"></span>alifiser<span class=\"_ _1\"></span>er i henhold til EUs </span><span style=\"display:inherit;clear:left;\">taksonomi. Banken f<span class=\"_ _2\"></span>\u00f8lger tet<span class=\"_ _1\"></span>t utviklingen p\u00e5 denne delen a<span class=\"_ _2\"></span>v </span><span style=\"display:inherit;clear:left;\">portef<span class=\"_ _1\"></span>\u00f8ljen, s\u00e6rlig eng<span class=\"_ _1\"></span>asjement ut<span class=\"_ _1\"></span>en alterna<span class=\"_ _2\"></span>tiv anvendelse, da </span><span style=\"display:inherit;clear:left;\">banken anser risik<span class=\"_ _1\"></span>o f<span class=\"_ _1\"></span>or str<span class=\"_ _1\"></span>andede eiendeler \u00f8k<span class=\"_ _1\"></span>ende fr<span class=\"_ _1\"></span>emov<span class=\"_ _1\"></span>er<span class=\"_ _0\"></span>. </span><span style=\"display:inherit;clear:left;\">Banken har vur<span class=\"_ _1\"></span>dert a<span class=\"_ _1\"></span>t pan<span class=\"_ _1\"></span>teobjekt<span class=\"_ _1\"></span>enes v<span class=\"_ _1\"></span>erdier kn<span class=\"_ _1\"></span>ytt<span class=\"_ _1\"></span>e<span class=\"_ _1\"></span>t til disse </span><span style=\"display:inherit;clear:left;\">engasjemen<span class=\"_ _1\"></span>t har en st<span class=\"_ _1\"></span>\u00f8rre risik<span class=\"_ _1\"></span>o f<span class=\"_ _1\"></span>or \u00e5 r<span class=\"_ _1\"></span>eduser<span class=\"_ _1\"></span>es, men banken har</span><span style=\"display:inherit;clear:left;\">videre vur<span class=\"_ _1\"></span>dert a<span class=\"_ _1\"></span>t v<span class=\"_ _1\"></span>er<span class=\"_ _1\"></span>diene ikke vil r<span class=\"_ _1\"></span>eduser<span class=\"_ _1\"></span>es f<span class=\"_ _1\"></span>\u00f8r opprinnelig pr<span class=\"_ _1\"></span>o<span class=\"_ _1\"></span>fil </span><span style=\"display:inherit;clear:left;\">er endt. Det er inn<span class=\"_ _1\"></span>f<span class=\"_ _1\"></span>\u00f8rt policy<span class=\"_ _1\"></span>-kr<span class=\"_ _1\"></span>a<span class=\"_ _1\"></span>v som skal sikr<span class=\"_ _1\"></span>e en str<span class=\"_ _1\"></span>ammer<span class=\"_ _1\"></span>e </span><span style=\"display:inherit;clear:left;\">nedbetalingsplan f<span class=\"_ _1\"></span>or denne type eng<span class=\"_ _1\"></span>asjement. Vider<span class=\"_ _1\"></span>e f<span class=\"_ _1\"></span>\u00f8lges </span><span style=\"display:inherit;clear:left;\">denne andelen opp og rapport<span class=\"_ _1\"></span>er<span class=\"_ _1\"></span>es til Styr<span class=\"_ _1\"></span>e<span class=\"_ _1\"></span>t minst halv<span class=\"_ _1\"></span>\u00e5rlig. P<span class=\"_ _1\"></span>er </span><span style=\"display:inherit;clear:left;\">desember 20<span class=\"_ _1\"></span>23 utgj\u00f8r denne andelen 10 % a<span class=\"_ _2\"></span>v shipping-</span><span style=\"display:inherit;clear:left;\">portef<span class=\"_ _1\"></span>\u00f8ljen, eller under 1,3 % a<span class=\"_ _2\"></span>v totalt v<span class=\"_ _1\"></span>olum p\u00e5 bedriftsmarke<span class=\"_ _1\"></span>d. </span><span style=\"display:inherit;clear:left;\">Banken har ogs\u00e5 ty<span class=\"_ _1\"></span>delig<span class=\"_ _1\"></span>e styringsm\u00e5l p\u00e5 andel a<span class=\"_ _1\"></span>v denne type </span><span style=\"display:inherit;clear:left;\">eksponering fr<span class=\"_ _1\"></span>em mot 2<span class=\"_ _1\"></span>0<span class=\"_ _1\"></span>30 og 2<span class=\"_ _1\"></span>035<span class=\"_ _1\"></span>. De<span class=\"_ _1\"></span>tt<span class=\"_ _1\"></span>e er vur<span class=\"_ _1\"></span>dert \u00e5 </span><span style=\"display:inherit;clear:left;\">reduser<span class=\"_ _1\"></span>e risik<span class=\"_ _1\"></span>o i porte<span class=\"_ _1\"></span>f<span class=\"_ _1\"></span>\u00f8ljen betr<span class=\"_ _1\"></span>akt<span class=\"_ _1\"></span>elig. </span><span style=\"display:inherit;clear:left;\">Det er ogs\u00e5 vur<span class=\"_ _1\"></span>dert po<span class=\"_ _1\"></span>tensielle s<span class=\"_ _1\"></span>tr<span class=\"_ _1\"></span>andede eiendeler i boligl\u00e5ns-</span><span style=\"display:inherit;clear:left;\">portef<span class=\"_ _1\"></span>\u00f8ljen h<span class=\"_ _1\"></span>v<span class=\"_ _1\"></span>or banken har vur<span class=\"_ _1\"></span>dert o<span class=\"_ _1\"></span>ver<span class=\"_ _1\"></span>gangsrisik<span class=\"_ _1\"></span>o og fysisk </span><span style=\"display:inherit;clear:left;\">risiko f<span class=\"_ _1\"></span>or den fysisk<span class=\"_ _1\"></span>e plassering<span class=\"_ _1\"></span>en a<span class=\"_ _1\"></span>v pant<span class=\"_ _1\"></span>eobjektene, herunder </span><span style=\"display:inherit;clear:left;\">flom, skred o<span class=\"_ _1\"></span>g sn\u00f8skred. K<span class=\"_ _1\"></span>onklusjonen er a<span class=\"_ _1\"></span>t selv om en del a<span class=\"_ _1\"></span>v </span><span style=\"display:inherit;clear:left;\">portef<span class=\"_ _1\"></span>\u00f8ljen er utsa<span class=\"_ _2\"></span>tt for fysisk klimarisik<span class=\"_ _1\"></span>o, er de<span class=\"_ _1\"></span>t<span class=\"_ _1\"></span>te f<span class=\"_ _1\"></span>\u00f8rs<span class=\"_ _1\"></span>t og </span><span style=\"display:inherit;clear:left;\">frems<span class=\"_ _1\"></span>t r<span class=\"_ _1\"></span>ela<span class=\"_ _1\"></span>tert til f<span class=\"_ _1\"></span>orsikringsrisik<span class=\"_ _1\"></span>o<span class=\"_ _1\"></span>, da boligene er f<span class=\"_ _1\"></span>orsikr<span class=\"_ _1\"></span>e<span class=\"_ _1\"></span>t og </span><span style=\"display:inherit;clear:left;\">inng\u00e5r i f<span class=\"_ _1\"></span>orsikringsselsk<span class=\"_ _1\"></span>apenes na<span class=\"_ _1\"></span>turskadepool. Bank<span class=\"_ _1\"></span>en f<span class=\"_ _1\"></span>\u00f8lger </span><span style=\"display:inherit;clear:left;\">opp ov<span class=\"_ _1\"></span>er<span class=\"_ _1\"></span>gangsrisik<span class=\"_ _1\"></span>o i boligl\u00e5nsporte<span class=\"_ _1\"></span>f<span class=\"_ _1\"></span>\u00f8ljen og rapport<span class=\"_ _1\"></span>er<span class=\"_ _1\"></span>er til </span><span style=\"display:inherit;clear:left;\">ledelsen p\u00e5 det<span class=\"_ _1\"></span>te h<span class=\"_ _1\"></span>v<span class=\"_ _1\"></span>er m\u00e5ned, samt til S<span class=\"_ _1\"></span>tyr<span class=\"_ _1\"></span>et kv<span class=\"_ _2\"></span>ar<span class=\"_ _8\"></span>talsvis. Bank<span class=\"_ _1\"></span>en </span><span style=\"display:inherit;clear:left;\">har iverk<span class=\"_ _1\"></span>sa<span class=\"_ _1\"></span>tt tiltak f<span class=\"_ _1\"></span>or \u00e5 r<span class=\"_ _1\"></span>eduser<span class=\"_ _1\"></span>e o<span class=\"_ _1\"></span>v<span class=\"_ _1\"></span>erg<span class=\"_ _1\"></span>angsrisiko i porte<span class=\"_ _1\"></span>f<span class=\"_ _1\"></span>\u00f8ljen, </span><span style=\"display:inherit;clear:left;\">ved hjelp a<span class=\"_ _2\"></span>v gr\u00f8nne oppgr<span class=\"_ _1\"></span>aderingsl\u00e5n og ener<span class=\"_ _1\"></span>gil\u00e5n. Tilsv<span class=\"_ _1\"></span>arende </span><span style=\"display:inherit;clear:left;\">er gjort i bedriftsmarkedsporte<span class=\"_ _1\"></span>f<span class=\"_ _1\"></span>\u00f8ljen, v<span class=\"_ _1\"></span>ed bruk a<span class=\"_ _1\"></span>v b\u00e6r<span class=\"_ _1\"></span>ekr<span class=\"_ _1\"></span>a<span class=\"_ _1\"></span>fts-</span><span style=\"display:inherit;clear:left;\">linkede l\u00e5n.</span><span style=\"display:inherit;clear:left;\">Banken har<span class=\"_ _0\"></span>, som f\u00f8lg<span class=\"_ _1\"></span>e a<span class=\"_ _1\"></span>v ov<span class=\"_ _1\"></span>ens<span class=\"_ _1\"></span>t\u00e5ende, vur<span class=\"_ _1\"></span>dert a<span class=\"_ _1\"></span>t de<span class=\"_ _1\"></span>t ikke er </span><span style=\"display:inherit;clear:left;\">behov f<span class=\"_ _1\"></span>or ek<span class=\"_ _1\"></span>str<span class=\"_ _1\"></span>a nedskriving<span class=\"_ _1\"></span>er i denne sammenheng. Banken </span><span style=\"display:inherit;clear:left;\">jobber aktivt med behandling a<span class=\"_ _1\"></span>v eiendeler som kan bli klima<span class=\"_ _1\"></span>-</span><span style=\"display:inherit;clear:left;\">str<span class=\"_ _1\"></span>andede i fr<span class=\"_ _1\"></span>em<span class=\"_ _1\"></span>tiden og har oppda<span class=\"_ _1\"></span>tert in<span class=\"_ _1\"></span>terne rutiner<span class=\"_ _0\"></span>.</span><span style=\"display:inherit;clear:left;\">Virkelig v<span class=\"_ _1\"></span>er<span class=\"_ _1\"></span>di p\u00e5 finansielle ins<span class=\"_ _1\"></span>trumen<span class=\"_ _1\"></span>ter</span><span style=\"display:inherit;clear:left;\">Virkelig v<span class=\"_ _1\"></span>er<span class=\"_ _1\"></span>di p\u00e5 finansielle instrumen<span class=\"_ _1\"></span>t<span class=\"_ _1\"></span>er som ikke handles i e<span class=\"_ _1\"></span>t </span><span style=\"display:inherit;clear:left;\">aktivt marked, f<span class=\"_ _1\"></span>as<span class=\"_ _1\"></span>tset<span class=\"_ _1\"></span>tes v<span class=\"_ _1\"></span>ed \u00e5 ben<span class=\"_ _1\"></span>ytt<span class=\"_ _1\"></span>e ulik<span class=\"_ _1\"></span>e ver<span class=\"_ _1\"></span>dse<span class=\"_ _1\"></span>tt<span class=\"_ _1\"></span>elses-</span><span style=\"display:inherit;clear:left;\">teknikk<span class=\"_ _1\"></span>er<span class=\"_ _0\"></span>. Dette gj\u00f8r<span class=\"_ _1\"></span>es basert p\u00e5 an<span class=\"_ _1\"></span>tagelser om h<span class=\"_ _1\"></span>v<span class=\"_ _1\"></span>a markede<span class=\"_ _1\"></span>t vil </span><span style=\"display:inherit;clear:left;\">legge til grunn f<span class=\"_ _1\"></span>or v<span class=\"_ _1\"></span>er<span class=\"_ _1\"></span>dset<span class=\"_ _1\"></span>telse a<span class=\"_ _2\"></span>v tilsvar<span class=\"_ _1\"></span>ende finansielle instru-</span><span style=\"display:inherit;clear:left;\">ment<span class=\"_ _1\"></span>er og tilgjengelig in<span class=\"_ _1\"></span>f<span class=\"_ _1\"></span>ormasjon p\u00e5 balansedag<span class=\"_ _1\"></span>en. Det vises til </span><span style=\"display:inherit;clear:left;\">not<span class=\"_ _1\"></span>er f<span class=\"_ _1\"></span>or finansielle instrumen<span class=\"_ _1\"></span>ter<span class=\"_ _0\"></span>, samt r<span class=\"_ _1\"></span>egnskaps <span class=\"_ _4\"></span>prinsipper f<span class=\"_ _1\"></span>or </span><span style=\"display:inherit;clear:left;\">beskrivelse a<span class=\"_ _2\"></span>v de teknikker som er benyt<span class=\"_ _1\"></span>te<span class=\"_ _1\"></span>t. I v<span class=\"_ _1\"></span>erdse<span class=\"_ _1\"></span>t<span class=\"_ _1\"></span>telsene a<span class=\"_ _1\"></span>v </span><span style=\"display:inherit;clear:left;\">finansielle instrumen<span class=\"_ _1\"></span>ter som ikk<span class=\"_ _1\"></span>e handles i e<span class=\"_ _1\"></span>t aktivt marked </span><span style=\"display:inherit;clear:left;\">kre<span class=\"_ _1\"></span>v<span class=\"_ _1\"></span>es det ut<span class=\"_ _1\"></span>str<span class=\"_ _1\"></span>akt bruk a<span class=\"_ _1\"></span>v skj\u00f8nn.</span><span style=\"display:inherit;clear:left;\">F<span class=\"_ _2\"></span>astren<span class=\"_ _1\"></span>t<span class=\"_ _1\"></span>eutl\u00e5n</span><span style=\"display:inherit;clear:left;\">I henhold til IFRS skal v<span class=\"_ _1\"></span>erdse<span class=\"_ _1\"></span>t<span class=\"_ _1\"></span>telsen v<span class=\"_ _1\"></span>\u00e6r<span class=\"_ _1\"></span>e basert p\u00e5 en vur<span class=\"_ _1\"></span>dering </span><span style=\"display:inherit;clear:left;\">a<span class=\"_ _1\"></span>v hv<span class=\"_ _1\"></span>a en eks<span class=\"_ _1\"></span>tern in<span class=\"_ _1\"></span>v<span class=\"_ _1\"></span>est<span class=\"_ _1\"></span>or ville lagt til grunn v<span class=\"_ _1\"></span>ed inv<span class=\"_ _1\"></span>est<span class=\"_ _1\"></span>ering i </span><span style=\"display:inherit;clear:left;\">tilsv<span class=\"_ _1\"></span>ar<span class=\"_ _1\"></span>ende utl\u00e5n. De<span class=\"_ _1\"></span>t eksist<span class=\"_ _1\"></span>er<span class=\"_ _1\"></span>er ikke e<span class=\"_ _1\"></span>t v<span class=\"_ _1\"></span>elfunger<span class=\"_ _1\"></span>ende mark<span class=\"_ _1\"></span>ed </span><span style=\"display:inherit;clear:left;\">for kj\u00f8p og salg a<span class=\"_ _2\"></span>v fastr<span class=\"_ _1\"></span>en<span class=\"_ _1\"></span>tel\u00e5n mellom mark<span class=\"_ _1\"></span>edsakt<span class=\"_ _1\"></span>\u00f8rer<span class=\"_ _0\"></span>. V<span class=\"_ _1\"></span>er<span class=\"_ _1\"></span>dien </span><span style=\"display:inherit;clear:left;\">a<span class=\"_ _1\"></span>v f<span class=\"_ _1\"></span>astr<span class=\"_ _1\"></span>en<span class=\"_ _1\"></span>teutl\u00e5nene es<span class=\"_ _1\"></span>timer<span class=\"_ _1\"></span>es v<span class=\"_ _1\"></span>ed \u00e5 diskon<span class=\"_ _1\"></span>ter<span class=\"_ _1\"></span>e k<span class=\"_ _1\"></span>on<span class=\"_ _1\"></span>tant<span class=\"_ _1\"></span>-</span><span style=\"display:inherit;clear:left;\">str<span class=\"_ _1\"></span>\u00f8mmene med en risik<span class=\"_ _1\"></span>ojust<span class=\"_ _1\"></span>ert diskon<span class=\"_ _1\"></span>terings<span class=\"_ _1\"></span>f<span class=\"_ _1\"></span>aktor som skal </span><span style=\"display:inherit;clear:left;\">hensyn<span class=\"_ _1\"></span>ta mark<span class=\"_ _1\"></span>edsakt\u00f8r<span class=\"_ _1\"></span>enes pr<span class=\"_ _1\"></span>ef<span class=\"_ _1\"></span>er<span class=\"_ _1\"></span>anser<span class=\"_ _0\"></span>. Diskon<span class=\"_ _1\"></span>terings<span class=\"_ _1\"></span>f<span class=\"_ _1\"></span>aktor<span class=\"_ _1\"></span>en </span><span style=\"display:inherit;clear:left;\">beregnes basert p\u00e5 en observ<span class=\"_ _1\"></span>erbar sw<span class=\"_ _1\"></span>apren<span class=\"_ _1\"></span>t<span class=\"_ _1\"></span>e tillagt et </span><span style=\"display:inherit;clear:left;\">marginkr<span class=\"_ _1\"></span>a<span class=\"_ _1\"></span>v<span class=\"_ _2\"></span>.</span><span style=\"display:inherit;clear:left;\">V<span class=\"_ _2\"></span>ed estimering av mar<span class=\"_ _1\"></span>ginkr<span class=\"_ _1\"></span>a<span class=\"_ _1\"></span>ve<span class=\"_ _1\"></span>t ser bank<span class=\"_ _1\"></span>en hen til de observer<span class=\"_ _1\"></span>-</span><span style=\"display:inherit;clear:left;\">bare mark<span class=\"_ _1\"></span>edsr<span class=\"_ _1\"></span>en<span class=\"_ _1\"></span>tene p\u00e5 tils<span class=\"_ _1\"></span>v<span class=\"_ _1\"></span>arende utl\u00e5n. S<span class=\"_ _1\"></span>wapr<span class=\"_ _1\"></span>en<span class=\"_ _1\"></span>te-elemen<span class=\"_ _1\"></span>t<span class=\"_ _1\"></span>et </span><span style=\"display:inherit;clear:left;\">i diskon<span class=\"_ _1\"></span>terings<span class=\"_ _1\"></span>f<span class=\"_ _1\"></span>aktor<span class=\"_ _1\"></span>en s<span class=\"_ _1\"></span>vinger k<span class=\"_ _1\"></span>on<span class=\"_ _1\"></span>tinuerlig, mens de observer<span class=\"_ _1\"></span>-</span><span style=\"display:inherit;clear:left;\">bare mark<span class=\"_ _1\"></span>edsr<span class=\"_ _1\"></span>en<span class=\"_ _1\"></span>tene f<span class=\"_ _1\"></span>or tils<span class=\"_ _1\"></span>v<span class=\"_ _1\"></span>arende utl\u00e5n ikk<span class=\"_ _1\"></span>e endr<span class=\"_ _1\"></span>es like </span><span style=\"display:inherit;clear:left;\">hyppig. Marginkr<span class=\"_ _1\"></span>a<span class=\"_ _1\"></span>v<span class=\"_ _1\"></span>et til mark<span class=\"_ _1\"></span>edsakt<span class=\"_ _1\"></span>\u00f8rene er derme<span class=\"_ _1\"></span>d ikke dir<span class=\"_ _1\"></span>ekt<span class=\"_ _1\"></span>e </span><span style=\"display:inherit;clear:left;\">observerbart og estimer<span class=\"_ _1\"></span>es basert p\u00e5 diff<span class=\"_ _1\"></span>er<span class=\"_ _1\"></span>ansen mellom de </span><span style=\"display:inherit;clear:left;\">observerbar<span class=\"_ _1\"></span>e mark<span class=\"_ _1\"></span>edsren<span class=\"_ _1\"></span>t<span class=\"_ _1\"></span>ene og sw<span class=\"_ _1\"></span>apren<span class=\"_ _1\"></span>t<span class=\"_ _1\"></span>en o<span class=\"_ _1\"></span>ver en tids<span class=\"_ _1\"></span>-</span><span style=\"display:inherit;clear:left;\">periode. Et<span class=\"_ _1\"></span>ter<span class=\"_ _1\"></span>som marginkr<span class=\"_ _1\"></span>a<span class=\"_ _1\"></span>v<span class=\"_ _1\"></span>et ikk<span class=\"_ _1\"></span>e er dir<span class=\"_ _1\"></span>ekte observ<span class=\"_ _1\"></span>erbart, er </span><span style=\"display:inherit;clear:left;\">det kn<span class=\"_ _1\"></span>ytt<span class=\"_ _1\"></span>e<span class=\"_ _1\"></span>t usikkerhe<span class=\"_ _1\"></span>t til ber<span class=\"_ _1\"></span>egning a<span class=\"_ _1\"></span>v virkelig v<span class=\"_ _1\"></span>er<span class=\"_ _1\"></span>di f<span class=\"_ _1\"></span>or </span><span style=\"display:inherit;clear:left;\">f<span class=\"_ _1\"></span>astr<span class=\"_ _1\"></span>en<span class=\"_ _1\"></span>teutl\u00e5n.</span><span style=\"display:inherit;clear:left;\">Basiss<span class=\"_ _1\"></span>wapper</span><span style=\"display:inherit;clear:left;\">Konserne<span class=\"_ _1\"></span>t benyt<span class=\"_ _1\"></span>ter basis<span class=\"_ _1\"></span>sw<span class=\"_ _1\"></span>apper som sikringsinstrumen<span class=\"_ _1\"></span>t f<span class=\"_ _1\"></span>or \u00e5 </span><span style=\"display:inherit;clear:left;\">kon<span class=\"_ _1\"></span>vert<span class=\"_ _1\"></span>er<span class=\"_ _1\"></span>e betalings<span class=\"_ _1\"></span>f<span class=\"_ _1\"></span>orpliktelser p\u00e5 innl\u00e5n i fr<span class=\"_ _1\"></span>emmed v<span class=\"_ _1\"></span>aluta til </span><span style=\"display:inherit;clear:left;\">norske kr<span class=\"_ _1\"></span>oner<span class=\"_ _0\"></span>. Prisen for \u00e5 inng\u00e5 basis<span class=\"_ _1\"></span>sw<span class=\"_ _1\"></span>apper sving<span class=\"_ _1\"></span>er<span class=\"_ _2\"></span>, noe som </span><span style=\"display:inherit;clear:left;\">gj\u00f8r a<span class=\"_ _1\"></span>t sikringen ikk<span class=\"_ _1\"></span>e utgj\u00f8r en perfekt hedg<span class=\"_ _1\"></span>e. De<span class=\"_ _1\"></span>tt<span class=\"_ _1\"></span>e p\u00e5<span class=\"_ _1\"></span>virker </span><span style=\"display:inherit;clear:left;\">virkelig v<span class=\"_ _1\"></span>er<span class=\"_ _1\"></span>di a<span class=\"_ _1\"></span>v deriv<span class=\"_ _1\"></span>a<span class=\"_ _1\"></span>t<span class=\"_ _1\"></span>et. De<span class=\"_ _1\"></span>t er i tillegg inng\u00e5<span class=\"_ _1\"></span>tt CS<span class=\"_ _1\"></span>A<span class=\"_ _1\"></span>-a<span class=\"_ _1\"></span>vtaler om </span><span style=\"display:inherit;clear:left;\">sikkerhe<span class=\"_ _1\"></span>tss<span class=\"_ _1\"></span>tillelse som er skr<span class=\"_ _1\"></span>ev<span class=\"_ _1\"></span>e<span class=\"_ _1\"></span>t i st<span class=\"_ _1\"></span>erk f<span class=\"_ _1\"></span>a<span class=\"_ _1\"></span>v<span class=\"_ _1\"></span>\u00f8r a<span class=\"_ _1\"></span>v obligasjons-</span><span style=\"display:inherit;clear:left;\">eierne for basis<span class=\"_ _1\"></span>sw<span class=\"_ _1\"></span>apper i da<span class=\"_ _1\"></span>tt<span class=\"_ _1\"></span>erselskape<span class=\"_ _1\"></span>t Spar<span class=\"_ _1\"></span>ebanken V<span class=\"_ _2\"></span>est </span><span style=\"display:inherit;clear:left;\">Boligkredit<span class=\"_ _1\"></span>t AS<span class=\"_ _1\"></span>. Det<span class=\"_ _1\"></span>te har en pris da mo<span class=\"_ _1\"></span>tpartene har s<span class=\"_ _1\"></span>tor<span class=\"_ _1\"></span>e </span><span style=\"display:inherit;clear:left;\">pot<span class=\"_ _1\"></span>ensielle f<span class=\"_ _1\"></span>orpliktelser dersom de ek<span class=\"_ _1\"></span>sempelvis skulle bli </span><span style=\"display:inherit;clear:left;\">nedgra<span class=\"_ _1\"></span>dert. Denne prisen kalles \u00abcredit char<span class=\"_ _1\"></span>g<span class=\"_ _1\"></span>e\u00bb og kan ogs\u00e5 </span><span style=\"display:inherit;clear:left;\">svinge o<span class=\"_ _1\"></span>v<span class=\"_ _1\"></span>er tid. De<span class=\"_ _1\"></span>t er usikkerhe<span class=\"_ _1\"></span>t kn<span class=\"_ _1\"></span>ytt<span class=\"_ _1\"></span>et til ber<span class=\"_ _1\"></span>egning<span class=\"_ _1\"></span>en a<span class=\"_ _1\"></span>v </span><span style=\"display:inherit;clear:left;\">virkelig v<span class=\"_ _1\"></span>er<span class=\"_ _1\"></span>di f<span class=\"_ _1\"></span>or slike finansielle ins<span class=\"_ _1\"></span>trumen<span class=\"_ _1\"></span>ter<span class=\"_ _0\"></span>.</span><span style=\"display:inherit;clear:left;\">F<span class=\"_ _2\"></span>or volum a<span class=\"_ _1\"></span>v finansielle instrumen<span class=\"_ _1\"></span>ter klas<span class=\"_ _1\"></span>sifisert p\u00e5 niv<span class=\"_ _1\"></span>\u00e5 3 </span><span style=\"display:inherit;clear:left;\">(innslag a<span class=\"_ _1\"></span>v subjektive elemen<span class=\"_ _1\"></span>t<span class=\"_ _1\"></span>er i v<span class=\"_ _1\"></span>erdse<span class=\"_ _1\"></span>t<span class=\"_ _1\"></span>telsen), vises til no<span class=\"_ _1\"></span>te 6<span class=\"_ _1\"></span>. </span><span style=\"display:inherit;clear:left;\">Her fremk<span class=\"_ _1\"></span>ommer ogs\u00e5 sensitivit<span class=\"_ _1\"></span>et kn<span class=\"_ _1\"></span>ytt<span class=\"_ _1\"></span>e<span class=\"_ _1\"></span>t til parame<span class=\"_ _1\"></span>t<span class=\"_ _1\"></span>erne i </span><span style=\"display:inherit;clear:left;\"><span><span style=\"display:inherit;clear:left;\">beregning<span class=\"_ _1\"></span>ene.</span></span> </span><span style=\"display:inherit;clear:left;\">Note<span class=\"_ _8\"></span> 3 S<span class=\"_ _8\"></span>e<span class=\"_ _8\"></span>g<span class=\"_ _8\"></span>ment<span class=\"_ _8\"></span>i<span class=\"_ _8\"></span>n<span class=\"_ _8\"></span>f<span class=\"_ _2\"></span>or<span class=\"_ _8\"></span>m<span class=\"_ _8\"></span>asjo<span class=\"_ _8\"></span>n</span><span style=\"display:inherit;clear:left;\">Konsernledelsen h<span class=\"_ _1\"></span>ar vurdert h<span class=\"_ _1\"></span>vilke<span class=\"_ _1\"></span> segmenter som<span class=\"_ _1\"></span> er </span><span style=\"display:inherit;clear:left;\">hen<span class=\"_ _8\"></span>sik<span class=\"_ _8\"></span>tsm<span class=\"_ _8\"></span>es<span class=\"_ _8\"></span>sig \u00e5 ra<span class=\"_ _8\"></span>ppo<span class=\"_ _8\"></span>rt<span class=\"_ _8\"></span>ere p\u00e5 i for<span class=\"_ _8\"></span>hol<span class=\"_ _8\"></span>d til st<span class=\"_ _8\"></span>yr<span class=\"_ _8\"></span>ing og ko<span class=\"_ _8\"></span>ntrol<span class=\"_ _8\"></span>l. </span><span style=\"display:inherit;clear:left;\">Segmentene er i<span class=\"_ _1\"></span>nndelt i Bedriftsmark<span class=\"_ _1\"></span>ed, Priva<span class=\"_ _1\"></span>tmark<span class=\"_ _1\"></span>ed, Bulder<span class=\"_ _2\"></span>, </span><span style=\"display:inherit;clear:left;\">T<span class=\"_ _2\"></span>reasur<span class=\"_ _8\"></span>y og Eiendomsmegling<span class=\"_ _8\"></span>. Driftskostnadene er dir<span class=\"_ _1\"></span>ekte </span><span style=\"display:inherit;clear:left;\">allokert, med unn<span class=\"_ _1\"></span>tak a<span class=\"_ _1\"></span>v IT<span class=\"_ _0\"></span>-kostna<span class=\"_ _1\"></span>der<span class=\"_ _2\"></span>, stabsrela<span class=\"_ _1\"></span>terte k<span class=\"_ _1\"></span>ostnader<span class=\"_ _1\"></span> </span><span style=\"display:inherit;clear:left;\">og a<span class=\"_ _1\"></span>vskrivinge<span class=\"_ _1\"></span>r<span class=\"_ _2\"></span>. Inndelingen<span class=\"_ _1\"></span> er basert p\u00e5 int<span class=\"_ _1\"></span>ern </span><span style=\"display:inherit;clear:left;\">ledelsesrapportering og r<span class=\"_ _1\"></span>essursallokering. Nettor<span class=\"_ _1\"></span>ente<span class=\"_ _1\"></span> er </span><span style=\"display:inherit;clear:left;\">allokert p\u00e5 grunnlag a<span class=\"_ _1\"></span>v<span class=\"_ _1\"></span> intern<span class=\"_ _1\"></span>t beregnet<span class=\"_ _1\"></span> mellomregningsr<span class=\"_ _1\"></span>ente<span class=\"_ _1\"></span> </span><span style=\"display:inherit;clear:left;\"><span><span style=\"display:inherit;clear:left;\">bas<span class=\"_ _8\"></span>er<span class=\"_ _8\"></span>t p\u00e5 3 mn<span class=\"_ _8\"></span>d NIB<span class=\"_ _8\"></span>OR</span></span><span class=\"_ _8\"></span>.</span><span style=\"display:inherit;clear:left;\">Bankvirksomhet</span><span style=\"display:inherit;clear:left;\">Ikke<span class=\"_ _1\"></span> </span><span style=\"display:inherit;clear:left;\">Be<span class=\"_ _8\"></span>d<span class=\"_ _8\"></span>ri<span class=\"_ _8\"></span>ft<span class=\"_ _8\"></span>s-</span><span style=\"display:inherit;clear:left;\">P<span class=\"_ _8\"></span>r<span class=\"_ _8\"></span>i<span class=\"_ _a\"></span>v<span class=\"_ _8\"></span>a<span class=\"_ _8\"></span>t-</span><span style=\"display:inherit;clear:left;\">Eiendoms-</span><span style=\"display:inherit;clear:left;\">segment<span class=\"_ _2\"></span>-</span><span style=\"display:inherit;clear:left;\">marked</span><span style=\"display:inherit;clear:left;\">marked<span class=\"_ _5b\"> </span><span class=\"lsd wsd\">Bulder<span class=\"_ _d2\"> </span><span class=\"ls61 wsb5\">Tr<span class=\"_ _8\"></span>e<span class=\"_ _a\"></span>a<span class=\"_ _a\"></span>s<span class=\"_ _8\"></span>u<span class=\"_ _a\"></span>r<span class=\"_ _a\"></span>y</span></span></span><span style=\"display:inherit;clear:left;\">megling</span><span style=\"display:inherit;clear:left;\">ford<span class=\"_ _8\"></span>elt<span class=\"_ _85\"> </span><span class=\"lsd wsd\">Sum</span></span><span style=\"display:inherit;clear:left;\">KONSERN</span><span style=\"display:inherit;clear:left;\">2023</span><span style=\"display:inherit;clear:left;\">Re<span class=\"_ _8\"></span>su<span class=\"_ _8\"></span>lt<span class=\"_ _8\"></span>at</span><span style=\"display:inherit;clear:left;\">Netto r<span class=\"_ _1\"></span>ente<span class=\"_ _1\"></span>- og kr<span class=\"_ _1\"></span>edittpro<span class=\"_ _1\"></span>visjonsinnt<span class=\"_ _1\"></span>ekter<span class=\"_ _110\"> </span><span class=\"ls4a ws9d\">1<span class=\"_ _8\"></span> 824<span class=\"_ _131\"> </span><span class=\"ls133 ws1e0\">2<span class=\"_ _8\"></span> 409<span class=\"_ _12\"> </span><span class=\"ls9 ws9\">55<span class=\"_ _94\"> </span><span class=\"ls0 ws0\">951<span class=\"_ _9a\"> </span>2<span class=\"_ _8b\"> </span>0<span class=\"_ _c9\"> </span></span></span></span>5<span class=\"_ _8\"></span> 242</span></span><span style=\"display:inherit;clear:left;\">Net<span class=\"_ _1\"></span>to andr<span class=\"_ _1\"></span>e driftsinn<span class=\"_ _1\"></span>tekt<span class=\"_ _1\"></span>er<span class=\"_ _199\"> </span></span><span style=\"display:inherit;clear:left;\">349<span class=\"_ _108\"> </span><span class=\"ls13e ws1ec\">47<span class=\"_ _8\"></span>3<span class=\"_ _92\"> </span></span></span><span style=\"display:inherit;clear:left;\">2<span class=\"_ _93\"> </span></span><span style=\"display:inherit;clear:left;\">-<span class=\"_ _8\"></span>41<span class=\"_ _86\"> </span><span class=\"ls125 ws1cf\">260<span class=\"_ _9a\"> </span></span></span><span style=\"display:inherit;clear:left;\">0<span class=\"_ _c9\"> </span>1 044</span><span style=\"display:inherit;clear:left;\">Driftskos<span class=\"_ _1\"></span>tnader<span class=\"_ _128\"> </span></span><span style=\"display:inherit;clear:left;\">-1<span class=\"_ _8\"></span>3<span class=\"_ _8\"></span>3<span class=\"_ _107\"> </span></span><span style=\"display:inherit;clear:left;\">-<span class=\"_ _8\"></span>373<span class=\"_ _74\"> </span></span><span style=\"display:inherit;clear:left;\">-83<span class=\"_ _72\"> </span></span><span style=\"display:inherit;clear:left;\">-1<span class=\"_ _a\"></span>6<span class=\"_ _8e\"> </span><span class=\"ls125 ws1cf\">-26<span class=\"_ _8\"></span>1<span class=\"_ _cd\"> </span></span></span><span style=\"display:inherit;clear:left;\">-906<span class=\"_ _19a\"> </span>-<span class=\"_ _1\"></span>1 77<span class=\"_ _2\"></span>2</span><span style=\"display:inherit;clear:left;\">Nedskrivninger p\u00e5 utl\u00e5n og tap p\u00e5 gar<span class=\"_ _1\"></span>an<span class=\"_ _1\"></span>tier<span class=\"_ _41\"> </span></span><span style=\"display:inherit;clear:left;\">-24<span class=\"_ _94\"> </span></span><span style=\"display:inherit;clear:left;\">-60<span class=\"_ _11\"> </span><span class=\"ls6 ws6\">-1<span class=\"_ _8\"></span>1<span class=\"_ _1d\"> </span></span></span><span style=\"display:inherit;clear:left;\">0<span class=\"_ _8b\"> </span>0<span class=\"_ _94\"> </span><span class=\"ls133 ws1e0\">-95</span></span><span style=\"display:inherit;clear:left;\">Resulta<span class=\"_ _1\"></span>t f<span class=\"_ _1\"></span>\u00f8r ska<span class=\"_ _2\"></span>ttekos<span class=\"_ _1\"></span>tnad<span class=\"_ _11e\"> </span>2 016<span class=\"_ _d8\"> </span>2 44<span class=\"_ _1\"></span>9<span class=\"_ _74\"> </span></span><span style=\"display:inherit;clear:left;\">-37<span class=\"_ _189\"> </span><span class=\"ls121 wsaa\">895<span class=\"_ _10\"> </span></span></span><span style=\"display:inherit;clear:left;\">2<span class=\"_ _dd\"> </span>-906<span class=\"_ _19a\"> </span>4 4<span class=\"_ _1\"></span>18</span><span style=\"display:inherit;clear:left;\">Ska<span class=\"_ _1\"></span>tt<span class=\"_ _1\"></span>ekos<span class=\"_ _1\"></span>tnad<span class=\"_ _19b\"> </span><span class=\"ls140 ws1ee\">-<span class=\"_ _a\"></span>8<span class=\"_ _a\"></span>74</span></span><span style=\"display:inherit;clear:left;\">Resulta<span class=\"_ _1\"></span>t f<span class=\"_ _1\"></span>or r<span class=\"_ _1\"></span>egnskaps\u00e5r<span class=\"_ _1\"></span>e<span class=\"_ _1\"></span>t<span class=\"_ _19c\"> </span><span class=\"ls83 wsdd\">3 545</span></span><span style=\"display:inherit;clear:left;\">Balanse</span><span style=\"display:inherit;clear:left;\">Net<span class=\"_ _1\"></span>to utl\u00e5n<span class=\"_ _18b\"> </span><span class=\"ls82 ws14b\">56 3<span class=\"_ _8\"></span>50<span class=\"_ _113\"> </span></span>152 621<span class=\"_ _c6\"> </span>46 796<span class=\"_ _8b\"> </span>0<span class=\"_ _8b\"> </span>0<span class=\"_ _9a\"> </span>0<span class=\"_ _10e\"> </span><span class=\"ls4a ws9d\">25<span class=\"_ _8\"></span>5<span class=\"_ _8\"></span> 767</span></span><span style=\"display:inherit;clear:left;\">Innskudd<span class=\"_ _150\"> </span><span class=\"ls131 ws1dd\">41<span class=\"_ _8\"></span> 5<span class=\"_ _a\"></span>37<span class=\"_ _ea\"> </span></span>63 70<span class=\"_ _1\"></span>4<span class=\"_ _d4\"> </span>8 190<span class=\"_ _d8\"> </span><span class=\"ls123 ws1cd\">10 167<span class=\"_ _e9\"> </span></span>0<span class=\"_ _9a\"> </span>0<span class=\"_ _c3\"> </span>123 599</span><span style=\"display:inherit;clear:left;\">2022</span><span style=\"display:inherit;clear:left;\">Resulta<span class=\"_ _1\"></span>t</span><span style=\"display:inherit;clear:left;\">Net<span class=\"_ _1\"></span>to r<span class=\"_ _1\"></span>en<span class=\"_ _1\"></span>te- og kr<span class=\"_ _1\"></span>edit<span class=\"_ _1\"></span>tpr<span class=\"_ _1\"></span>ovisjonsinn<span class=\"_ _1\"></span>t<span class=\"_ _1\"></span>ekter<span class=\"_ _112\"> </span></span><span style=\"display:inherit;clear:left;\">1<span class=\"_ _8\"></span> 525<span class=\"_ _89\"> </span></span><span style=\"display:inherit;clear:left;\">1<span class=\"_ _8\"></span> 979<span class=\"_ _14\"> </span></span><span style=\"display:inherit;clear:left;\">60<span class=\"_ _8e\"> </span><span class=\"ls125 ws1cf\">42<span class=\"_ _8\"></span>9<span class=\"_ _9a\"> </span></span></span><span style=\"display:inherit;clear:left;\">0<span class=\"_ _8b\"> </span>0<span class=\"_ _dc\"> </span><span class=\"ls108 ws16a\">3 994</span></span><span style=\"display:inherit;clear:left;\">Net<span class=\"_ _1\"></span>to andr<span class=\"_ _1\"></span>e driftsinn<span class=\"_ _1\"></span>tekt<span class=\"_ _1\"></span>er<span class=\"_ _19d\"> </span></span><span style=\"display:inherit;clear:left;\">289<span class=\"_ _9b\"> </span></span><span style=\"display:inherit;clear:left;\">445<span class=\"_ _e9\"> </span></span><span style=\"display:inherit;clear:left;\">-1<span class=\"_ _6f\"> </span></span><span style=\"display:inherit;clear:left;\">267<span class=\"_ _65\"> </span><span class=\"ls83 wsdd\">250<span class=\"_ _9a\"> </span></span></span><span style=\"display:inherit;clear:left;\">0<span class=\"_ _cb\"> </span><span class=\"ls83 wsdd\">1 25<span class=\"_ _8\"></span>0</span></span><span style=\"display:inherit;clear:left;\">Driftskos<span class=\"_ _1\"></span>tnader<span class=\"_ _128\"> </span><span class=\"ls6 ws6\">-1<span class=\"_ _8\"></span>3<span class=\"_ _8\"></span>5<span class=\"_ _87\"> </span><span class=\"ls84 wsdf\">-3<span class=\"_ _8\"></span>50<span class=\"_ _93\"> </span><span class=\"ls134 ws1e1\">-7<span class=\"_ _8\"></span>5<span class=\"_ _14\"> </span><span class=\"ls129 ws1d3\">-1<span class=\"_ _8\"></span>5<span class=\"_ _85\"> </span><span class=\"ls13e ws1ec\">-<span class=\"_ _a\"></span>247<span class=\"_ _83\"> </span><span class=\"ls82 ws14b\">-866<span class=\"_ _19a\"> </span></span></span></span></span></span>-1<span class=\"_ _8\"></span> 6<span class=\"_ _8\"></span>87</span></span><span style=\"display:inherit;clear:left;\">Nedskrivninger p\u00e5 utl\u00e5n og tap p\u00e5 gar<span class=\"_ _1\"></span>an<span class=\"_ _1\"></span>tier<span class=\"_ _e6\"> </span></span><span style=\"display:inherit;clear:left;\">-40<span class=\"_ _11\"> </span></span><span style=\"display:inherit;clear:left;\">-1<span class=\"_ _8\"></span>1<span class=\"_ _8d\"> </span><span class=\"ls84 wsdf\">-2<span class=\"_ _9a\"> </span></span></span><span style=\"display:inherit;clear:left;\">0<span class=\"_ _8b\"> </span>0<span class=\"_ _9a\"> </span>0<span class=\"_ _94\"> </span><span class=\"ls138 ws1e5\">-52</span></span><span style=\"display:inherit;clear:left;\">Resulta<span class=\"_ _1\"></span>t f<span class=\"_ _1\"></span>\u00f8r ska<span class=\"_ _2\"></span>ttekos<span class=\"_ _1\"></span>tnad<span class=\"_ _19e\"> </span>1 640<span class=\"_ _db\"> </span>2 063<span class=\"_ _1b\"> </span></span><span style=\"display:inherit;clear:left;\">-1<span class=\"_ _8\"></span>7<span class=\"_ _8e\"> </span><span class=\"lsf2 ws154\">6<span class=\"_ _8\"></span>80<span class=\"_ _9a\"> </span></span></span><span style=\"display:inherit;clear:left;\">3</span><span style=\"display:inherit;clear:left;\"><span class=\"_ _89\"> </span><span class=\"ls82 ws14b\">-866<span class=\"_ _db\"> </span><span class=\"ls13b ws1e8\">3 504</span></span></span><span style=\"display:inherit;clear:left;\">Ska<span class=\"_ _1\"></span>tt<span class=\"_ _1\"></span>ekos<span class=\"_ _1\"></span>tnad<span class=\"_ _19b\"> </span><span class=\"ls132 ws1de\">-6<span class=\"_ _8\"></span>87</span></span><span style=\"display:inherit;clear:left;\">Resulta<span class=\"_ _1\"></span>t f<span class=\"_ _1\"></span>or r<span class=\"_ _1\"></span>egnskaps\u00e5r<span class=\"_ _1\"></span>e<span class=\"_ _1\"></span>t<span class=\"_ _19f\"> </span>2 817</span><span style=\"display:inherit;clear:left;\">Balanse</span><span style=\"display:inherit;clear:left;\">Net<span class=\"_ _1\"></span>to utl\u00e5n<span class=\"_ _1a0\"> </span><span class=\"ls31 ws81\">50<span class=\"_ _8\"></span> 758<span class=\"_ _ea\"> </span></span>149 511<span class=\"_ _a5\"> </span>2<span class=\"_ _1\"></span>4 225<span class=\"_ _e9\"> </span>0<span class=\"_ _9a\"> </span>0<span class=\"_ _8b\"> </span>0<span class=\"_ _58\"> </span>224 4<span class=\"_ _1\"></span>94</span><span style=\"display:inherit;clear:left;\">Innskudd<span class=\"_ _17f\"> </span><span class=\"ls136 ws1e3\">39 256<span class=\"_ _9e\"> </span></span>61 44<span class=\"_ _2\"></span>7<span class=\"_ _dc\"> </span></span><span style=\"display:inherit;clear:left;\">4 395<span class=\"_ _89\"> </span><span class=\"ls10 ws10\">7 177<span class=\"_ _9a\"> </span></span></span><span style=\"display:inherit;clear:left;\"><span><span style=\"display:inherit;clear:left;\">0</span></span><span><span style=\"display:inherit;clear:left;\"><span class=\"_ _8b\"> </span></span></span><span><span style=\"display:inherit;clear:left;\">0</span></span><span><span style=\"display:inherit;clear:left;\"><span class=\"_ _c6\"> </span></span></span><span><span style=\"display:inherit;clear:left;\">112 27<span class=\"_ _0\"></span>4</span></span></span><span style=\"display:inherit;clear:left;\">No<span class=\"_ _1\"></span>te 4 Klassifi<span class=\"_ _8\"></span>kas<span class=\"_ _1\"></span>jon a<span class=\"_ _2\"></span>v finansielle instrument<span class=\"_ _1\"></span>er</span><span style=\"display:inherit;clear:left;\">Finansielle eiendeler<span class=\"_ _1\"></span> og g<span class=\"_ _8\"></span>jeld er v<span class=\"_ _1\"></span>erdsa<span class=\"_ _1\"></span>tt og klassifisert i </span><span style=\"display:inherit;clear:left;\">sam<span class=\"_ _8\"></span>svar me<span class=\"_ _8\"></span>d IFR<span class=\"_ _8\"></span>S 9.</span><span style=\"display:inherit;clear:left;\">Innr<span class=\"_ _1\"></span>egning og fr<span class=\"_ _1\"></span>ar<span class=\"_ _1\"></span>egning</span><span style=\"display:inherit;clear:left;\">Finansielle eiendeler<span class=\"_ _1\"></span> og forpliktelser<span class=\"_ _1\"></span> balansef\u00f8r<span class=\"_ _1\"></span>es p\u00e5 de<span class=\"_ _1\"></span>t </span><span style=\"display:inherit;clear:left;\">tidspunkt konsernet blir part i instrumentets k<span class=\"_ _1\"></span>ontraktsmessige </span><span style=\"display:inherit;clear:left;\">betingelser<span class=\"_ _2\"></span>. Finans<span class=\"_ _1\"></span>ielle eiendeler og<span class=\"_ _1\"></span> finansielle f<span class=\"_ _1\"></span>orpliktelser </span><span style=\"display:inherit;clear:left;\">frareg<span class=\"_ _8\"></span>ne<span class=\"_ _8\"></span>s p\u00e5 det t<span class=\"_ _8\"></span>ids<span class=\"_ _8\"></span>punk<span class=\"_ _8\"></span>t he<span class=\"_ _8\"></span>nho<span class=\"_ _8\"></span>ldsv<span class=\"_ _8\"></span>is forde<span class=\"_ _8\"></span>len e<span class=\"_ _8\"></span>lle<span class=\"_ _8\"></span>r </span><span style=\"display:inherit;clear:left;\">forpliktelsen som<span class=\"_ _1\"></span> f\u00f8lger<span class=\"_ _1\"></span> a<span class=\"_ _1\"></span>v kon<span class=\"_ _1\"></span>traktsmessige betingelser<span class=\"_ _1\"></span> er </span><span style=\"display:inherit;clear:left;\">innfridd, kansellert eller utl\u00f8pt.</span><span style=\"display:inherit;clear:left;\">En fi<span class=\"_ _8\"></span>nans<span class=\"_ _8\"></span>iel<span class=\"_ _8\"></span>l eien<span class=\"_ _8\"></span>del k<span class=\"_ _8\"></span>an ogs<span class=\"_ _8\"></span>\u00e5 frareg<span class=\"_ _8\"></span>ne<span class=\"_ _8\"></span>s og in<span class=\"_ _8\"></span>nreg<span class=\"_ _8\"></span>nes p<span class=\"_ _8\"></span>\u00e5 nyt<span class=\"_ _8\"></span>t </span><span style=\"display:inherit;clear:left;\">der<span class=\"_ _8\"></span>som d<span class=\"_ _8\"></span>enne h<span class=\"_ _8\"></span>ar v\u00e6r<span class=\"_ _8\"></span>t g<span class=\"_ _8\"></span>j<span class=\"_ _8\"></span>ens<span class=\"_ _8\"></span>tan<span class=\"_ _8\"></span>d for st\u00f8<span class=\"_ _8\"></span>rre end<span class=\"_ _8\"></span>rin<span class=\"_ _8\"></span>ger<span class=\"_ _2\"></span>. I s<span class=\"_ _8\"></span>like </span><span style=\"display:inherit;clear:left;\">tilfeller blir endring i<span class=\"_ _1\"></span> kontr<span class=\"_ _1\"></span>aktsvilk\u00e5r<span class=\"_ _2\"></span>, vesentligh<span class=\"_ _8\"></span>et, samt<span class=\"_ _1\"></span> andre </span><span style=\"display:inherit;clear:left;\">kommersielle vilk\u00e5r vur<span class=\"_ _1\"></span>dert.</span><span style=\"display:inherit;clear:left;\">Finansielle eiendeler<span class=\"_ _1\"></span> som selges f<span class=\"_ _1\"></span>ra<span class=\"_ _1\"></span> Sparebank<span class=\"_ _1\"></span>en V<span class=\"_ _1\"></span>est<span class=\"_ _1\"></span> til </span><span style=\"display:inherit;clear:left;\">Sparebanken V<span class=\"_ _2\"></span>est Bo<span class=\"_ _8\"></span>ligkreditt AS fr<span class=\"_ _1\"></span>aregnes i regnskapet til </span><span style=\"display:inherit;clear:left;\">Sparebanken V<span class=\"_ _2\"></span>est og innregnes i Sparebanken V<span class=\"_ _2\"></span>e<span class=\"_ _8\"></span>st Bolig-</span><span style=\"display:inherit;clear:left;\">kreditt. Sparebanken<span class=\"_ _1\"></span> V<span class=\"_ _1\"></span>est Boligkreditt overtar all kredittrisiko </span><span style=\"display:inherit;clear:left;\">for de<span class=\"_ _1\"></span> ov<span class=\"_ _1\"></span>erf\u00f8rte eiendelene.</span><span style=\"display:inherit;clear:left;\">M\u00e5leka<span class=\"_ _1\"></span>t<span class=\"_ _1\"></span>egorier</span><span style=\"display:inherit;clear:left;\"> </span><span style=\"display:inherit;clear:left;\">IFR<span class=\"_ _8\"></span>S 9 har f\u00f8l<span class=\"_ _8\"></span>gend<span class=\"_ _8\"></span>e pri<span class=\"_ _8\"></span>nsip<span class=\"_ _8\"></span>pe<span class=\"_ _8\"></span>r for kla<span class=\"_ _8\"></span>ssi<span class=\"_ _8\"></span>fis<span class=\"_ _8\"></span>erin<span class=\"_ _8\"></span>g og m\u00e5<span class=\"_ _8\"></span>lin<span class=\"_ _8\"></span>g:</span><span style=\"display:inherit;clear:left;\">\u2022 Am<span class=\"_ _8\"></span>or<span class=\"_ _8\"></span>tise<span class=\"_ _8\"></span>rt ko<span class=\"_ _8\"></span>st <span class=\"_ _151\"> </span> </span><span style=\"display:inherit;clear:left;\">\u2022 Vi<span class=\"_ _8\"></span>rkeli<span class=\"_ _8\"></span>g verdi me<span class=\"_ _8\"></span>d verdi<span class=\"_ _8\"></span>endr<span class=\"_ _8\"></span>ing over u<span class=\"_ _8\"></span>tv<span class=\"_ _8\"></span>idet re<span class=\"_ _8\"></span>sult<span class=\"_ _8\"></span>at (FVO<span class=\"_ _8\"></span>CI) </span><span style=\"display:inherit;clear:left;\">\u2022 Vi<span class=\"_ _8\"></span>rkeli<span class=\"_ _8\"></span>g verdi me<span class=\"_ _8\"></span>d verdi<span class=\"_ _8\"></span>endr<span class=\"_ _8\"></span>ing over re<span class=\"_ _8\"></span>sul<span class=\"_ _8\"></span>tat (F<span class=\"_ _8\"></span>VPL)</span><span style=\"display:inherit;clear:left;\">M\u00e5lekategori besluttes ved f<span class=\"_ _1\"></span>\u00f8rstegangs r<span class=\"_ _1\"></span>egnskapsf\u00f8ring av<span class=\"_ _1\"></span> </span><span style=\"display:inherit;clear:left;\">eiendelen. </span><span style=\"display:inherit;clear:left;\">Regnskapsprinsipp<span class=\"_ _8\"></span>er for<span class=\"_ _1\"></span> kat<span class=\"_ _1\"></span>egorier av<span class=\"_ _1\"></span> finansielle eiendeler </span><span style=\"display:inherit;clear:left;\">be<span class=\"_ _8\"></span>skr<span class=\"_ _8\"></span>ives i n\u00e6<span class=\"_ _8\"></span>rme<span class=\"_ _8\"></span>re i de f\u00f8l<span class=\"_ _8\"></span>gend<span class=\"_ _8\"></span>e avsnit<span class=\"_ _8\"></span>t.</span><span style=\"display:inherit;clear:left;\">Amortisert kos<span class=\"_ _1\"></span>t</span><span style=\"display:inherit;clear:left;\">Gjeldsinstrumenter<span class=\"_ _0\"></span>, definert som alle finansielle<span class=\"_ _1\"></span> eiendeler som </span><span style=\"display:inherit;clear:left;\">ikke<span class=\"_ _1\"></span> er deriva<span class=\"_ _1\"></span>ter<span class=\"_ _1\"></span> eller egen<span class=\"_ _1\"></span>kapitalinstrumenter<span class=\"_ _0\"></span>, m\u00e5 g<span class=\"_ _8\"></span>jennom to<span class=\"_ _1\"></span> </span><span style=\"display:inherit;clear:left;\">tes<span class=\"_ _8\"></span>ter for \u00e5 avg<span class=\"_ _8\"></span>j<span class=\"_ _8\"></span>\u00f8re kl<span class=\"_ _8\"></span>ass<span class=\"_ _8\"></span>ifi<span class=\"_ _8\"></span>seri<span class=\"_ _8\"></span>ng og m<span class=\"_ _8\"></span>\u00e5lin<span class=\"_ _8\"></span>g ette<span class=\"_ _8\"></span>r IFR<span class=\"_ _8\"></span>S 9.</span><span style=\"display:inherit;clear:left;\">Den f\u00f8rst<span class=\"_ _1\"></span>e test<span class=\"_ _1\"></span>en g<span class=\"_ _8\"></span>j\u00f8res p\u00e5<span class=\"_ _1\"></span> instrumentniv<span class=\"_ _1\"></span>\u00e5, og er<span class=\"_ _1\"></span> en vur<span class=\"_ _1\"></span>dering </span><span style=\"display:inherit;clear:left;\">av<span class=\"_ _1\"></span> instrumentets k<span class=\"_ _1\"></span>ontraktsmessi<span class=\"_ _8\"></span>ge<span class=\"_ _1\"></span> vilk\u00e5r<span class=\"_ _2\"></span>. Denne testen </span><span style=\"display:inherit;clear:left;\">omtales som SPPI<span class=\"_ _1\"></span>-<span class=\"_ _2\"></span>testen (SPPI=<span class=\"_ _1\"></span>solely pa<span class=\"_ _1\"></span>ymen<span class=\"_ _1\"></span>t of<span class=\"_ _1\"></span> principal </span><span style=\"display:inherit;clear:left;\">and i<span class=\"_ _8\"></span>nteres<span class=\"_ _8\"></span>t). Det e<span class=\"_ _8\"></span>r kun in<span class=\"_ _8\"></span>stru<span class=\"_ _8\"></span>mente<span class=\"_ _8\"></span>r me<span class=\"_ _8\"></span>d kontrak<span class=\"_ _8\"></span>ts<span class=\"_ _8\"></span>mes<span class=\"_ _8\"></span>si<span class=\"_ _8\"></span>ge </span><span style=\"display:inherit;clear:left;\">konta<span class=\"_ _8\"></span>ntst<span class=\"_ _8\"></span>r\u00f8mm<span class=\"_ _8\"></span>er so<span class=\"_ _8\"></span>m bare b<span class=\"_ _8\"></span>est<span class=\"_ _8\"></span>\u00e5r av bet<span class=\"_ _8\"></span>ali<span class=\"_ _8\"></span>ng av \u00abnor<span class=\"_ _8\"></span>mal\u00bb </span><span style=\"display:inherit;clear:left;\">rente og h<span class=\"_ _8\"></span>oveds<span class=\"_ _8\"></span>tol p\u00e5 g<span class=\"_ _8\"></span>it<span class=\"_ _8\"></span>te datoe<span class=\"_ _8\"></span>r som k<span class=\"_ _8\"></span>vali<span class=\"_ _8\"></span>fis<span class=\"_ _8\"></span>erer for </span><span style=\"display:inherit;clear:left;\">amortis<span class=\"_ _8\"></span>ert kost<span class=\"_ _2\"></span>-m\u00e5ling. Alle andre<span class=\"_ _1\"></span> finansielle instrumenter skal </span><span style=\"display:inherit;clear:left;\">m\u00e5l<span class=\"_ _8\"></span>es ti<span class=\"_ _8\"></span>l vir<span class=\"_ _8\"></span>kelig ve<span class=\"_ _8\"></span>rdi. D<span class=\"_ _8\"></span>ette k<span class=\"_ _8\"></span>an omfatte i<span class=\"_ _8\"></span>nst<span class=\"_ _8\"></span>rume<span class=\"_ _8\"></span>nter m<span class=\"_ _8\"></span>ed </span><span style=\"display:inherit;clear:left;\">kontr<span class=\"_ _1\"></span>aktsme<span class=\"_ _8\"></span>ssig vilk\u00e5r som er ur<span class=\"_ _1\"></span>elatert til enkle gjel<span class=\"_ _8\"></span>dsinstru-</span><span style=\"display:inherit;clear:left;\">menter<span class=\"_ _0\"></span>, som for eksempel<span class=\"_ _1\"></span> instrument<span class=\"_ _1\"></span>er med gearing<span class=\"_ _1\"></span> eller </span><span style=\"display:inherit;clear:left;\">\u00abinneby<span class=\"_ _1\"></span>gde deriv<span class=\"_ _1\"></span>a<span class=\"_ _1\"></span>ter\u00bb.<span class=\"_ _1\"></span> \u00abNormal\u00bb r<span class=\"_ _1\"></span>ente<span class=\"_ _1\"></span> omf<span class=\"_ _1\"></span>atter<span class=\"_ _1\"></span> godtg<span class=\"_ _8\"></span>j\u00f8relse </span><span style=\"display:inherit;clear:left;\">for tids<span class=\"_ _1\"></span>ver<span class=\"_ _1\"></span>dien a<span class=\"_ _1\"></span>v penger<span class=\"_ _1\"></span> (<span class=\"_ _1\"></span>risiko<span class=\"_ _1\"></span>fri r<span class=\"_ _1\"></span>ent<span class=\"_ _1\"></span>e)<span class=\"_ _1\"></span>,<span class=\"_ _1\"></span> kredittrisik<span class=\"_ _1\"></span>o, andr<span class=\"_ _1\"></span>e </span><span style=\"display:inherit;clear:left;\">enkle (<span class=\"_ _1\"></span>\u00abbasic\u00bb<span class=\"_ _1\"></span>) utl\u00e5nsrisik<span class=\"_ _1\"></span>oer (f<span class=\"_ _1\"></span>or eksempel likviditetsrisiko<span class=\"_ _1\"></span>) og </span><span style=\"display:inherit;clear:left;\">kostna<span class=\"_ _1\"></span>der (<span class=\"_ _1\"></span>for<span class=\"_ _1\"></span> eksempel admi<span class=\"_ _1\"></span>nistra<span class=\"_ _1\"></span>tive<span class=\"_ _1\"></span> kostna<span class=\"_ _1\"></span>der)<span class=\"_ _1\"></span> samt </span><span style=\"display:inherit;clear:left;\">fortjenestemargin. </span><span style=\"display:inherit;clear:left;\">Instrumenter<span class=\"_ _1\"></span> som i u<span class=\"_ _1\"></span>tgangspunktet kvalifiserer<span class=\"_ _1\"></span> for<span class=\"_ _1\"></span> amortiser<span class=\"_ _8\"></span>t </span><span style=\"display:inherit;clear:left;\">kost<span class=\"_ _2\"></span>-m\u00e5ling m\u00e5<span class=\"_ _1\"></span> deretter g<span class=\"_ _8\"></span>jennom en f<span class=\"_ _1\"></span>orretningsmodell-<span class=\"_ _2\"></span>test. </span><span style=\"display:inherit;clear:left;\">Denne g<span class=\"_ _8\"></span>j\u00f8res p\u00e5<span class=\"_ _1\"></span> portef\u00f8ljeniv\u00e5.<span class=\"_ _1\"></span> Gjeldsinstrumenter<span class=\"_ _1\"></span> skal m\u00e5les<span class=\"_ _1\"></span> </span><span style=\"display:inherit;clear:left;\">til amortisert kost dersom<span class=\"_ _1\"></span> instrument<span class=\"_ _1\"></span>ene holdes i en<span class=\"_ _1\"></span> </span><span style=\"display:inherit;clear:left;\">forret<span class=\"_ _8\"></span>ning<span class=\"_ _8\"></span>s <span class=\"_ _4\"></span>m<span class=\"_ _8\"></span>ode<span class=\"_ _8\"></span>ll hvor for<span class=\"_ _8\"></span>m\u00e5l<span class=\"_ _8\"></span>et er \u00e5 ho<span class=\"_ _8\"></span>lde i<span class=\"_ _8\"></span>nstr<span class=\"_ _8\"></span>ume<span class=\"_ _8\"></span>ntet for \u00e5 </span><span style=\"display:inherit;clear:left;\">motta kon<span class=\"_ _1\"></span>traktsmessige kon<span class=\"_ _1\"></span>tantstr\u00f8mmer<span class=\"_ _0\"></span>. I konsernr<span class=\"_ _1\"></span>egn-</span><span style=\"display:inherit;clear:left;\">skapet er<span class=\"_ _1\"></span> f\u00f8lgende<span class=\"_ _1\"></span> hovedpost<span class=\"_ _1\"></span>er m\u00e5lt<span class=\"_ _1\"></span> til amortisert kost:</span><span style=\"display:inherit;clear:left;\">\u2022 Utl\u00e5nsmasse<span class=\"_ _8\"></span>n med fly<span class=\"_ _1\"></span>tende rente<span class=\"ff4\"> </span></span><span style=\"display:inherit;clear:left;\">\u2022  <span class=\"_ _4\"></span>Fordri<span class=\"_ _8\"></span>nger p<span class=\"_ _8\"></span>\u00e5 kredit<span class=\"_ _1\"></span>tinsti<span class=\"_ _1\"></span>tusjone<span class=\"_ _8\"></span>r samt kon<span class=\"_ _1\"></span>tan<span class=\"_ _1\"></span>t<span class=\"_ _1\"></span>er og </span><span style=\"display:inherit;clear:left;\">f<span class=\"_ _1\"></span>ordringer p\u00e5 sen<span class=\"_ _1\"></span>t<span class=\"_ _1\"></span>ral<span class=\"_ _1\"></span>bank<span class=\"_ _1\"></span>er</span><span style=\"display:inherit;clear:left;\">\u2022  <span class=\"_ _4\"></span>Finansie<span class=\"_ _8\"></span>ll g<span class=\"_ _8\"></span>jeld m<span class=\"_ _8\"></span>ed fly<span class=\"_ _1\"></span>t<span class=\"_ _1\"></span>ende r<span class=\"_ _8\"></span>ent<span class=\"_ _1\"></span>e<span class=\"ff4\"> </span></span><span style=\"display:inherit;clear:left;\">Virkelig v<span class=\"_ _1\"></span>er<span class=\"_ _1\"></span>di med v<span class=\"_ _1\"></span>er<span class=\"_ _1\"></span>diendring<span class=\"_ _1\"></span>er o<span class=\"_ _1\"></span>v<span class=\"_ _1\"></span>er utvidet r<span class=\"_ _2\"></span>esultat (FV<span class=\"_ _1\"></span>OCI)</span><span style=\"display:inherit;clear:left;\">Instrumenter<span class=\"_ _1\"></span> med k<span class=\"_ _1\"></span>ontantstr\u00f8mmer<span class=\"_ _1\"></span> som bar<span class=\"_ _1\"></span>e er betaling<span class=\"_ _1\"></span> av<span class=\"_ _1\"></span> </span><span style=\"display:inherit;clear:left;\">rente og h<span class=\"_ _8\"></span>oveds<span class=\"_ _8\"></span>tol so<span class=\"_ _8\"></span>m b\u00e5de h<span class=\"_ _8\"></span>old<span class=\"_ _8\"></span>es for \u00e5 m<span class=\"_ _8\"></span>ott<span class=\"_ _8\"></span>a kontrak<span class=\"_ _8\"></span>t<span class=\"_ _8\"></span>s-</span><span style=\"display:inherit;clear:left;\">me<span class=\"_ _8\"></span>ssi<span class=\"_ _8\"></span>ge konta<span class=\"_ _8\"></span>ntst<span class=\"_ _8\"></span>r\u00f8mm<span class=\"_ _8\"></span>er og fo<span class=\"_ _8\"></span>r sal<span class=\"_ _8\"></span>g, sk<span class=\"_ _8\"></span>al m\u00e5l<span class=\"_ _8\"></span>es t<span class=\"_ _8\"></span>il vir<span class=\"_ _8\"></span>kelig </span><span style=\"display:inherit;clear:left;\">ver<span class=\"_ _1\"></span>di med v<span class=\"_ _1\"></span>erdiendring<span class=\"_ _1\"></span>er f\u00f8rt o<span class=\"_ _1\"></span>ver<span class=\"_ _1\"></span> utvidet resul<span class=\"_ _1\"></span>tatregnskap<span class=\"_ _1\"></span> </span><span style=\"display:inherit;clear:left;\">(OCI) m<span class=\"_ _8\"></span>ed rente<span class=\"_ _8\"></span>innte<span class=\"_ _8\"></span>kt o<span class=\"_ _8\"></span>g eventue<span class=\"_ _8\"></span>ll ne<span class=\"_ _8\"></span>dskr<span class=\"_ _8\"></span>ivn<span class=\"_ _8\"></span>ing f\u00f8r<span class=\"_ _8\"></span>t i de<span class=\"_ _8\"></span>t </span><span style=\"display:inherit;clear:left;\">ordi<span class=\"_ _8\"></span>n\u00e6re res<span class=\"_ _8\"></span>ult<span class=\"_ _8\"></span>atet. Dvs<span class=\"_ _8\"></span>. at inst<span class=\"_ _8\"></span>rum<span class=\"_ _8\"></span>entet b<span class=\"_ _8\"></span>alan<span class=\"_ _8\"></span>sef\u00f8re<span class=\"_ _8\"></span>s til </span><span style=\"display:inherit;clear:left;\">vir<span class=\"_ _8\"></span>kelig ve<span class=\"_ _8\"></span>rdi, rente<span class=\"_ _8\"></span>r og ne<span class=\"_ _8\"></span>dsk<span class=\"_ _8\"></span>rivn<span class=\"_ _8\"></span>ing fo<span class=\"_ _8\"></span>r kredi<span class=\"_ _8\"></span>tt<span class=\"_ _1\"></span>-<span class=\"_ _2\"></span>t<span class=\"_ _8\"></span>ap f\u00f8re<span class=\"_ _8\"></span>s i det </span><span style=\"display:inherit;clear:left;\">ordi<span class=\"_ _8\"></span>n\u00e6re res<span class=\"_ _8\"></span>ult<span class=\"_ _8\"></span>atet tils<span class=\"_ _8\"></span>varend<span class=\"_ _8\"></span>e som o<span class=\"_ _8\"></span>m inst<span class=\"_ _8\"></span>rum<span class=\"_ _8\"></span>entet had<span class=\"_ _8\"></span>de </span><span style=\"display:inherit;clear:left;\">v\u00e6rt m\u00e5lt ti<span class=\"_ _1\"></span>l amortisert kost<span class=\"_ _2\"></span>-m\u00e5ling, mens<span class=\"_ _1\"></span> \u00f8vrige<span class=\"_ _1\"></span> ver<span class=\"_ _1\"></span>di<span class=\"_ _1\"></span>-</span><span style=\"display:inherit;clear:left;\">endringer f<span class=\"_ _1\"></span>\u00f8res<span class=\"_ _1\"></span> over<span class=\"_ _1\"></span> utvidet r<span class=\"_ _1\"></span>esultatr<span class=\"_ _1\"></span>egnskap. I<span class=\"_ _1\"></span> morbankens<span class=\"_ _1\"></span> </span><span style=\"display:inherit;clear:left;\">selskapsregnskap<span class=\"_ _1\"></span> vil utl\u00e5nsmassen<span class=\"_ _1\"></span> med pant i<span class=\"_ _1\"></span> boligeiendom </span><span style=\"display:inherit;clear:left;\">me<span class=\"_ _8\"></span>d en vis<span class=\"_ _8\"></span>s sa<span class=\"_ _8\"></span>nnsyn<span class=\"_ _8\"></span>lig<span class=\"_ _8\"></span>het b<span class=\"_ _8\"></span>li so<span class=\"_ _8\"></span>lg<span class=\"_ _8\"></span>t i l\u00f8p<span class=\"_ _8\"></span>et av l\u00e5ne<span class=\"_ _8\"></span>ts l\u00f8<span class=\"_ _8\"></span>pet<span class=\"_ _8\"></span>id til </span><span style=\"display:inherit;clear:left;\">hel<span class=\"_ _8\"></span>eid d<span class=\"_ _8\"></span>atters<span class=\"_ _8\"></span>els<span class=\"_ _8\"></span>kap \u2013 Sp<span class=\"_ _8\"></span>areb<span class=\"_ _8\"></span>anken Vest B<span class=\"_ _8\"></span>oli<span class=\"_ _8\"></span>gk<span class=\"_ _8\"></span>redit<span class=\"_ _8\"></span>t AS<span class=\"_ _8\"></span>. Dis<span class=\"_ _8\"></span>se </span><span style=\"display:inherit;clear:left;\">utl\u00e5nene tilfr<span class=\"_ _1\"></span>edsstiller derfor<span class=\"_ _1\"></span> ikke<span class=\"_ _1\"></span> forr<span class=\"_ _1\"></span>etnings<span class=\"_ _1\"></span>-<span class=\"_ _1\"></span>modell-<span class=\"_ _2\"></span>testen </span><span style=\"display:inherit;clear:left;\">for am<span class=\"_ _8\"></span>or<span class=\"_ _8\"></span>tis<span class=\"_ _8\"></span>er<span class=\"_ _8\"></span>t kost og e<span class=\"_ _8\"></span>r f\u00f8lge<span class=\"_ _8\"></span>lig k<span class=\"_ _8\"></span>las<span class=\"_ _8\"></span>sif<span class=\"_ _8\"></span>iser<span class=\"_ _8\"></span>t t<span class=\"_ _8\"></span>il m\u00e5l<span class=\"_ _8\"></span>ing ti<span class=\"_ _8\"></span>l </span><span style=\"display:inherit;clear:left;\">virkelig<span class=\"_ _1\"></span> ver<span class=\"_ _1\"></span>di ov<span class=\"_ _1\"></span>er utvidet<span class=\"_ _1\"></span> resulta<span class=\"_ _1\"></span>tregnskap<span class=\"_ _1\"></span> i morbanken<span class=\"_ _1\"></span>s </span><span style=\"display:inherit;clear:left;\">selskapsregnskap. Konsernet har<span class=\"_ _1\"></span> ikke finansielle instrumenter<span class=\"_ _1\"></span> </span><span style=\"display:inherit;clear:left;\">klassifisert til virkelig<span class=\"_ _1\"></span> ver<span class=\"_ _1\"></span>di med v<span class=\"_ _1\"></span>erdiendring<span class=\"_ _1\"></span>er ov<span class=\"_ _1\"></span>er u<span class=\"_ _1\"></span>tvidet </span><span style=\"display:inherit;clear:left;\">resultat.</span><span style=\"display:inherit;clear:left;\">Virkelig v<span class=\"_ _1\"></span>er<span class=\"_ _1\"></span>di med v<span class=\"_ _1\"></span>er<span class=\"_ _1\"></span>diendring<span class=\"_ _1\"></span>er o<span class=\"_ _1\"></span>v<span class=\"_ _1\"></span>er r<span class=\"_ _1\"></span>esulta<span class=\"_ _1\"></span>t</span><span style=\"display:inherit;clear:left;\">s til virkelig<span class=\"_ _1\"></span> verdi<span class=\"_ _1\"></span> med </span><span style=\"display:inherit;clear:left;\">ver<span class=\"_ _1\"></span>diendring ov<span class=\"_ _1\"></span>er r<span class=\"_ _1\"></span>esultat.<span class=\"_ _1\"></span> Dette vil<span class=\"_ _1\"></span> typisk v\u00e6r<span class=\"_ _1\"></span>e instru<span class=\"_ _1\"></span>menter </span><span style=\"display:inherit;clear:left;\">som i<span class=\"_ _8\"></span>nng<span class=\"_ _8\"></span>\u00e5r i tradi<span class=\"_ _8\"></span>ng-por<span class=\"_ _8\"></span>tef\u00f8l<span class=\"_ _8\"></span>jer<span class=\"_ _1\"></span>, por<span class=\"_ _8\"></span>tef\u00f8l<span class=\"_ _8\"></span>jer so<span class=\"_ _8\"></span>m st<span class=\"_ _8\"></span>yres<span class=\"_ _8\"></span>, m\u00e5l<span class=\"_ _8\"></span>es </span><span style=\"display:inherit;clear:left;\">og rap<span class=\"_ _8\"></span>por<span class=\"_ _8\"></span>te<span class=\"_ _8\"></span>res til l<span class=\"_ _8\"></span>ed<span class=\"_ _8\"></span>else<span class=\"_ _8\"></span>n i hen<span class=\"_ _8\"></span>hol<span class=\"_ _8\"></span>d til vi<span class=\"_ _8\"></span>rkeli<span class=\"_ _8\"></span>g verdi o<span class=\"_ _8\"></span>g </span><span style=\"display:inherit;clear:left;\">po<span class=\"_ _8\"></span>rtef\u00f8<span class=\"_ _8\"></span>lje<span class=\"_ _8\"></span>r med fo<span class=\"_ _8\"></span>r stor<span class=\"_ _8\"></span>t omfa<span class=\"_ _8\"></span>ng av sal<span class=\"_ _8\"></span>g til \u00e5 fal<span class=\"_ _8\"></span>le inn i e<span class=\"_ _8\"></span>n av de </span><span style=\"display:inherit;clear:left;\">to \u00f8<span class=\"_ _1\"></span>vrige forr<span class=\"_ _1\"></span>etningsmodellene. Likviditetspor<span class=\"_ _8\"></span>tef\u00f8ljen </span><span style=\"display:inherit;clear:left;\">regnskapsf<span class=\"_ _1\"></span>\u00f8res i<span class=\"_ _1\"></span> henhold til denne<span class=\"_ _1\"></span> kat<span class=\"_ _1\"></span>egori. I<span class=\"_ _1\"></span> portef\u00f8ljen skjer<span class=\"_ _1\"></span> </span><span style=\"display:inherit;clear:left;\">det r<span class=\"_ _1\"></span>elativt mang<span class=\"_ _1\"></span>e tr<span class=\"_ _1\"></span>ansaksjoner f<span class=\"_ _1\"></span>or \u00e5 ti<span class=\"_ _1\"></span>lpasse kvalitet<span class=\"_ _1\"></span> og </span><span style=\"display:inherit;clear:left;\">st\u00f8rrelse<span class=\"_ _1\"></span> til ek<span class=\"_ _1\"></span>sterne og<span class=\"_ _1\"></span> interne<span class=\"_ _1\"></span> kra<span class=\"_ _1\"></span>v til<span class=\"_ _1\"></span> buffer<span class=\"_ _1\"></span>e. Innenf<span class=\"_ _1\"></span>or de<span class=\"_ _1\"></span> </span><span style=\"display:inherit;clear:left;\">ov<span class=\"_ _1\"></span>erordnede<span class=\"_ _1\"></span> kra<span class=\"_ _1\"></span>v s<span class=\"_ _1\"></span>kal en dessuten<span class=\"_ _1\"></span> til enh<span class=\"_ _1\"></span>ver<span class=\"_ _1\"></span> tid maksi<span class=\"_ _1\"></span>mere </span><span style=\"display:inherit;clear:left;\">avk<span class=\"_ _1\"></span>astningen. Li<span class=\"_ _1\"></span>kviditetsreserven gener<span class=\"_ _1\"></span>erer<span class=\"_ _1\"></span> kredittrisik<span class=\"_ _1\"></span>o og<span class=\"_ _1\"></span> </span><span style=\"display:inherit;clear:left;\">det er<span class=\"_ _1\"></span> avkas<span class=\"_ _1\"></span>tningsm\u00e5l p\u00e5<span class=\"_ _1\"></span> rammen<span class=\"_ _1\"></span> for<span class=\"_ _1\"></span> denne risik<span class=\"_ _1\"></span>oen. </span><span style=\"display:inherit;clear:left;\">Likviditetsbeho<span class=\"_ _8\"></span>ldningen styres, m\u00e5les og r<span class=\"_ _1\"></span>apporteres til </span><span style=\"display:inherit;clear:left;\">ledelsen i henhold ti<span class=\"_ _1\"></span>l virk<span class=\"_ _1\"></span>elig ver<span class=\"_ _1\"></span>di.</span><span style=\"display:inherit;clear:left;\">Ins<span class=\"_ _8\"></span>trum<span class=\"_ _8\"></span>enter s<span class=\"_ _8\"></span>om et<span class=\"_ _8\"></span>ter b<span class=\"_ _8\"></span>esk<span class=\"_ _8\"></span>revne te<span class=\"_ _8\"></span>ster s<span class=\"_ _8\"></span>kal m\u00e5<span class=\"_ _8\"></span>le<span class=\"_ _8\"></span>s til </span><span style=\"display:inherit;clear:left;\">amortiser<span class=\"_ _8\"></span>t k<span class=\"_ _1\"></span>ost eller<span class=\"_ _1\"></span> virkelig<span class=\"_ _1\"></span> ver<span class=\"_ _1\"></span>di med v<span class=\"_ _1\"></span>erdiendring<span class=\"_ _1\"></span>er ov<span class=\"_ _1\"></span>er OCI<span class=\"_ _1\"></span> </span><span style=\"display:inherit;clear:left;\">kan l<span class=\"_ _8\"></span>ikevel utp<span class=\"_ _8\"></span>eke<span class=\"_ _8\"></span>s til m\u00e5<span class=\"_ _8\"></span>ling t<span class=\"_ _8\"></span>il vi<span class=\"_ _8\"></span>rkeli<span class=\"_ _8\"></span>g verdi over re<span class=\"_ _8\"></span>sult<span class=\"_ _8\"></span>at </span><span style=\"display:inherit;clear:left;\">der<span class=\"_ _8\"></span>som d<span class=\"_ _8\"></span>ette t<span class=\"_ _8\"></span>ar vek<span class=\"_ _8\"></span>k elle<span class=\"_ _8\"></span>r vese<span class=\"_ _8\"></span>ntli<span class=\"_ _8\"></span>g redu<span class=\"_ _8\"></span>serer et re<span class=\"_ _8\"></span>gns<span class=\"_ _8\"></span>kap<span class=\"_ _8\"></span>s-</span><span style=\"display:inherit;clear:left;\">messig misforhold (\u00aba<span class=\"_ _1\"></span>ccounting mismat<span class=\"_ _1\"></span>ch\u00bb<span class=\"_ _1\"></span>).</span><span style=\"display:inherit;clear:left;\">Utl\u00e5n med f<span class=\"_ _1\"></span>ast rent<span class=\"_ _1\"></span>e <span class=\"ff4 ls5 ws5\">er klassifisert under denne<span class=\"_ _1\"></span> kat<span class=\"_ _1\"></span>egori. </span></span><span style=\"display:inherit;clear:left;\">Det<span class=\"_ _8\"></span>te so<span class=\"_ _8\"></span>m f\u00f8lge av at ban<span class=\"_ _8\"></span>ken sik<span class=\"_ _8\"></span>rer renter<span class=\"_ _8\"></span>isiko<span class=\"_ _8\"></span>en ti<span class=\"_ _8\"></span>l denn<span class=\"_ _8\"></span>e </span><span style=\"display:inherit;clear:left;\">vesentlige<span class=\"_ _1\"></span> balanseposten med<span class=\"_ _1\"></span> deriva<span class=\"_ _1\"></span>ter<span class=\"_ _0\"></span>. Sistnevnte<span class=\"_ _1\"></span> skal alltid<span class=\"_ _1\"></span> </span><span style=\"display:inherit;clear:left;\">m\u00e5l<span class=\"_ _8\"></span>es ti<span class=\"_ _8\"></span>l vir<span class=\"_ _8\"></span>kelig ve<span class=\"_ _8\"></span>rdi over res<span class=\"_ _8\"></span>ultat o<span class=\"_ _8\"></span>g en reg<span class=\"_ _8\"></span>nska<span class=\"_ _8\"></span>psf\u00f8<span class=\"_ _8\"></span>ring av </span><span style=\"display:inherit;clear:left;\">utl\u00e5nene til<span class=\"_ _1\"></span> amortiser<span class=\"_ _8\"></span>t k<span class=\"_ _1\"></span>ost vil<span class=\"_ _1\"></span> s\u00e5ledes medf\u00f8re<span class=\"_ _1\"></span> vesentlig<span class=\"_ _1\"></span>e </span><span style=\"display:inherit;clear:left;\">flu<span class=\"_ _8\"></span>ktu<span class=\"_ _8\"></span>asj<span class=\"_ _8\"></span>one<span class=\"_ _8\"></span>r i resul<span class=\"_ _8\"></span>tatet. E<span class=\"_ _8\"></span>n bok<span class=\"_ _8\"></span>f\u00f8r<span class=\"_ _8\"></span>ing t<span class=\"_ _8\"></span>il vir<span class=\"_ _8\"></span>kelig ve<span class=\"_ _8\"></span>rdi me<span class=\"_ _8\"></span>d </span><span style=\"display:inherit;clear:left;\">ver<span class=\"_ _1\"></span>diendringer o<span class=\"_ _1\"></span>ver<span class=\"_ _1\"></span> resulta<span class=\"_ _1\"></span>t vil<span class=\"_ _1\"></span> medf\u00f8r<span class=\"_ _1\"></span>e en mer<span class=\"_ _1\"></span> harmonisert </span><span style=\"display:inherit;clear:left;\">sammenstilling a<span class=\"_ _1\"></span>v r<span class=\"_ _1\"></span>esultat<span class=\"_ _1\"></span>ene til<span class=\"_ _1\"></span> deriva<span class=\"_ _1\"></span>tene og<span class=\"_ _1\"></span> ver<span class=\"_ _1\"></span>diendring p\u00e5 </span><span style=\"display:inherit;clear:left;\">utl\u00e5nene. </span><span style=\"display:inherit;clear:left;\">Av<span class=\"_ _1\"></span> samme \u00e5rsak er<span class=\"_ _1\"></span> banken<span class=\"_ _1\"></span>s <span class=\"ff8 ls0 ws0\">finansi<span class=\"_ _8\"></span>ell<span class=\"_ _8\"></span>e gje<span class=\"_ _8\"></span>ld med fast rent<span class=\"_ _1\"></span>e </span></span><span style=\"display:inherit;clear:left;\">klassifisert under denne ka<span class=\"_ _1\"></span>tegori.<span class=\"_ _1\"></span> Sistnevn<span class=\"_ _1\"></span>te omf<span class=\"_ _1\"></span>a<span class=\"_ _1\"></span>tter g<span class=\"_ _8\"></span>jeld til<span class=\"_ _1\"></span> </span><span style=\"display:inherit;clear:left;\">kredittinstitusjoner<span class=\"_ _2\"></span>, innskudd samt g<span class=\"_ _8\"></span>jeld stiftet ved u<span class=\"_ _1\"></span>tstedelse </span><span style=\"display:inherit;clear:left;\">av<span class=\"_ _1\"></span> ver<span class=\"_ _1\"></span>dipapirer<span class=\"_ _1\"></span> med f<span class=\"_ _1\"></span>ast r<span class=\"_ _1\"></span>ente.<span class=\"_ _1\"></span> </span><span style=\"display:inherit;clear:left;\">Investeringer<span class=\"_ _1\"></span> i <span class=\"ff8 lsd wsd\">egenk<span class=\"_ _1\"></span>a<span class=\"_ _1\"></span>pi<span class=\"_ _1\"></span>ta<span class=\"_ _1\"></span>lins<span class=\"_ _1\"></span>t<span class=\"_ _1\"></span>rumen<span class=\"_ _1\"></span>t<span class=\"_ _1\"></span>er<span class=\"_ _1\"></span> <span class=\"ff4 lse wse\">skal m\u00e5les til virk<span class=\"_ _1\"></span>elig </span></span></span><span style=\"display:inherit;clear:left;\">verdi.<span class=\"_ _1\"></span> V<span class=\"_ _1\"></span>erdiendringer skal<span class=\"_ _1\"></span> som hovedr<span class=\"_ _1\"></span>egel f<span class=\"_ _1\"></span>\u00f8res i det<span class=\"_ _1\"></span> ordin\u00e6re<span class=\"_ _1\"></span> </span><span style=\"display:inherit;clear:left;\">resulta<span class=\"_ _1\"></span>t, men et<span class=\"_ _1\"></span> egenkapitalinstru<span class=\"_ _1\"></span>ment kan<span class=\"_ _1\"></span> utpekes som<span class=\"_ _1\"></span> m\u00e5lt </span><span style=\"display:inherit;clear:left;\">til v<span class=\"_ _8\"></span>irkel<span class=\"_ _8\"></span>ig verdi m<span class=\"_ _8\"></span>ed verd<span class=\"_ _8\"></span>ien<span class=\"_ _8\"></span>drin<span class=\"_ _8\"></span>ger f\u00f8r<span class=\"_ _8\"></span>t mot ut<span class=\"_ _8\"></span>vi<span class=\"_ _8\"></span>det re<span class=\"_ _8\"></span>sult<span class=\"_ _8\"></span>at<span class=\"_ _2\"></span>-</span><span style=\"display:inherit;clear:left;\">regnskap.<span class=\"_ _1\"></span> Sparebank<span class=\"_ _1\"></span>en V<span class=\"_ _1\"></span>est<span class=\"_ _1\"></span> har v<span class=\"_ _1\"></span>algt \u00e5 ikke<span class=\"_ _1\"></span> anv<span class=\"_ _1\"></span>ende </span><span style=\"display:inherit;clear:left;\">regnskapsf\u00f8ring ov<span class=\"_ _1\"></span>er utvidet resulta<span class=\"_ _1\"></span>t.</span><span style=\"display:inherit;clear:left;\">All<span class=\"_ _8\"></span>e der<span class=\"_ _8\"></span>ivater sk<span class=\"_ _8\"></span>al i ut<span class=\"_ _8\"></span>gan<span class=\"_ _8\"></span>gspun<span class=\"_ _8\"></span>kt<span class=\"_ _8\"></span>et m\u00e5l<span class=\"_ _8\"></span>es ti<span class=\"_ _8\"></span>l virke<span class=\"_ _8\"></span>lig verd<span class=\"_ _8\"></span>i med </span><span style=\"display:inherit;clear:left;\">sikringsinstrumenter skal r<span class=\"_ _1\"></span>egnskapsf\u00f8res i tr<span class=\"_ _1\"></span>\u00e5d med </span><span style=\"display:inherit;clear:left;\">ver<span class=\"_ _1\"></span>diendring i r<span class=\"_ _1\"></span>esultat,<span class=\"_ _1\"></span> men deriv<span class=\"_ _1\"></span>at<span class=\"_ _1\"></span>er som er<span class=\"_ _1\"></span> utpekt som </span><span style=\"display:inherit;clear:left;\"><span><span style=\"display:inherit;clear:left;\">prinsippene for sikringsbokf\u00f8ring</span></span>.</span><span style=\"display:inherit;clear:left;\">Virkelig </span><span style=\"display:inherit;clear:left;\">Virkelig </span><span style=\"display:inherit;clear:left;\">verd<span class=\"_ _8\"></span>i over </span><span style=\"display:inherit;clear:left;\">verd<span class=\"_ _8\"></span>i over </span><span style=\"display:inherit;clear:left;\">KONSERN<span class=\"_ _1\"></span><span class=\"ls0 ws0\"> </span></span><span style=\"display:inherit;clear:left;\">re<span class=\"_ _8\"></span>su<span class=\"_ _8\"></span>lt<span class=\"_ _8\"></span>at </span><span style=\"display:inherit;clear:left;\">re<span class=\"_ _8\"></span>su<span class=\"_ _8\"></span>lt<span class=\"_ _8\"></span>at </span><span style=\"display:inherit;clear:left;\">Sikrings-</span><span style=\"display:inherit;clear:left;\">Amortisert </span><span style=\"display:inherit;clear:left;\">2)</span><span style=\"display:inherit;clear:left;\">bokf\u00f8ring</span><span style=\"display:inherit;clear:left;\"> 1)</span><span style=\"display:inherit;clear:left;\">31/12-<span class=\"_ _1\"></span>2023</span><span style=\"display:inherit;clear:left;\">(pliktig<span class=\"_ _8\"></span>)</span><span style=\"display:inherit;clear:left;\">(op<span class=\"_ _1\"></span>sjon<span class=\"_ _1\"></span>) </span><span style=\"display:inherit;clear:left;\">kost<span class=\"_ _8a\"> </span><span class=\"ls142 ws1f1\">To<span class=\"_ _8\"></span>t<span class=\"_ _a\"></span>a<span class=\"_ _a\"></span>l<span class=\"_ _8\"></span>t</span></span><span style=\"display:inherit;clear:left;\">Eiendeler</span><span style=\"display:inherit;clear:left;\">Kontan<span class=\"_ _1\"></span>ter og<span class=\"_ _1\"></span> for<span class=\"_ _1\"></span>dringer p\u00e5<span class=\"_ _1\"></span> sentr<span class=\"_ _1\"></span>albanker<span class=\"_ _1a2\"> </span><span class=\"ls9 ws9\">387<span class=\"_ _18\"> </span>387</span></span><span style=\"display:inherit;clear:left;\">Utl\u00e5n til<span class=\"_ _1\"></span> og for<span class=\"_ _1\"></span>dringer<span class=\"_ _1\"></span> p\u00e5 kredi<span class=\"_ _1\"></span>ttinstitusjoner<span class=\"_ _1a3\"> </span><span class=\"ls0 ws0\">3 154<span class=\"_ _189\"> </span>3 1<span class=\"_ _8\"></span>54</span></span><span style=\"display:inherit;clear:left;\">Netto utl\u00e5n<span class=\"_ _1a4\"> </span></span><span style=\"display:inherit;clear:left;\">2<span class=\"_ _8\"></span>0<span class=\"_ _8\"></span> 072<span class=\"_ _de\"> </span><span class=\"ls138 ws1e5\">235<span class=\"_ _8\"></span> 695<span class=\"_ _9e\"> </span><span class=\"ls8 ws8\">2<span class=\"_ _8\"></span>5<span class=\"_ _8\"></span>5<span class=\"_ _8\"></span> 767</span></span></span><span style=\"display:inherit;clear:left;\">Aksjer til<span class=\"_ _1\"></span> virkelig<span class=\"_ _1\"></span> ver<span class=\"_ _1\"></span>di ov<span class=\"_ _1\"></span>er r<span class=\"_ _1\"></span>esultat<span class=\"_ _1\"></span>et<span class=\"_ _1a5\"> </span><span class=\"ls82 ws14b\">560<span class=\"_ _14b\"> </span><span class=\"ls9a wsf7\">560</span></span></span><span style=\"display:inherit;clear:left;\">Sertifikater og<span class=\"_ _1\"></span> obligasjoner<span class=\"_ _185\"> </span><span class=\"ls0 ws0\">36 560<span class=\"_ _1a6\"> </span>36 560</span></span><span style=\"display:inherit;clear:left;\">Finansielle deriv<span class=\"_ _1\"></span>at<span class=\"_ _1\"></span>er<span class=\"_ _1a7\"> </span></span><span style=\"display:inherit;clear:left;\">3 457<span class=\"_ _2b\"> </span><span class=\"ls0 ws0\">1 944<span class=\"_ _e2\"> </span>5 401</span></span><span style=\"display:inherit;clear:left;\">To<span class=\"_ _8\"></span>t<span class=\"_ _a\"></span>a<span class=\"_ _8\"></span>l<span class=\"_ _a\"></span>t<span class=\"_ _1a8\"> </span></span><span style=\"display:inherit;clear:left;\">40 57<span class=\"_ _8\"></span>7<span class=\"_ _cc\"> </span></span><span style=\"display:inherit;clear:left;\">20<span class=\"_ _8\"></span> 072<span class=\"_ _107\"> </span></span><span style=\"display:inherit;clear:left;\">1 9<span class=\"_ _8\"></span>44<span class=\"_ _a5\"> </span><span class=\"ls123 ws1cd\">239 235<span class=\"_ _5b\"> </span><span class=\"ls11e wsb9\">301 82<span class=\"_ _8\"></span>9</span></span></span><span style=\"display:inherit;clear:left;\">Gjeld</span><span style=\"display:inherit;clear:left;\">Gjeld til kr<span class=\"_ _1\"></span>edittinstitusjoner<span class=\"_ _1a9\"> </span><span class=\"ls0 ws0\">5 45<span class=\"_ _8\"></span>4<span class=\"_ _87\"> </span>5 4<span class=\"_ _8\"></span>54</span></span><span style=\"display:inherit;clear:left;\">Innskudd<span class=\"_ _1aa\"> </span></span><span style=\"display:inherit;clear:left;\">1 8<span class=\"_ _8\"></span>24<span class=\"_ _f0\"> </span><span class=\"ls21 ws175\">1<span class=\"_ _8\"></span>21<span class=\"_ _8\"></span> 7<span class=\"_ _8\"></span>75<span class=\"_ _10a\"> </span><span class=\"ls122 ws1cc\">12<span class=\"_ _8\"></span>3 599</span></span></span><span style=\"display:inherit;clear:left;\">Gjeld stiftet<span class=\"_ _1\"></span> ved u<span class=\"_ _1\"></span>tstedelse a<span class=\"_ _1\"></span>v v<span class=\"_ _1\"></span>erdipapir<span class=\"_ _1\"></span>er <span class=\"_ _13d\"> </span><span class=\"ls0 ws0\">58 22<span class=\"_ _1\"></span>4<span class=\"_ _cc\"> </span><span class=\"lsf wsf\">20<span class=\"_ _8\"></span> 577<span class=\"_ _cc\"> </span></span>67 6<span class=\"_ _8\"></span>83<span class=\"_ _5c\"> </span><span class=\"lsa wsa\">146 4<span class=\"_ _8\"></span>84</span></span></span><span style=\"display:inherit;clear:left;\">Finansielle deriv<span class=\"_ _1\"></span>at<span class=\"_ _1\"></span>er<span class=\"_ _7c\"> </span></span><span style=\"display:inherit;clear:left;\">1<span class=\"_ _1\"></span> 298<span class=\"_ _1ab\"> </span><span class=\"ls61 wsb5\">372<span class=\"_ _5e\"> </span><span class=\"ls125 ws1cf\">1 670</span></span></span><span style=\"display:inherit;clear:left;\">Av<span class=\"_ _1\"></span>setning gar<span class=\"_ _1\"></span>antier<span class=\"_ _0\"></span>, ubenyttet kreditt<span class=\"_ _1\"></span> og l\u00e5netilsagn<span class=\"_ _1ac\"> </span><span class=\"lsa wsa\">149<span class=\"_ _78\"> </span>149</span></span><span style=\"display:inherit;clear:left;\">Ansvarlig<span class=\"_ _1\"></span> l\u00e5nekapital<span class=\"_ _1ad\"> </span><span class=\"ls0 ws0\">2 165<span class=\"_ _6f\"> </span>2 165</span></span><span style=\"display:inherit;clear:left;\">To<span class=\"_ _8\"></span>t<span class=\"_ _a\"></span>a<span class=\"_ _8\"></span>l<span class=\"_ _a\"></span>t<span class=\"_ _1ae\"> </span></span><span style=\"display:inherit;clear:left;\">1 298<span class=\"_ _c7\"> </span>60 048<span class=\"_ _c7\"> </span>20 948<span class=\"_ _10a\"> </span><span class=\"ls92 wsee\">197 2<span class=\"_ _8\"></span>27<span class=\"_ _5c\"> </span>279 52<span class=\"_ _8\"></span>2</span></span><span style=\"display:inherit;clear:left;\">Virkelig </span><span style=\"display:inherit;clear:left;\">Virkelig </span><span style=\"display:inherit;clear:left;\">verd<span class=\"_ _8\"></span>i over </span><span style=\"display:inherit;clear:left;\">verd<span class=\"_ _8\"></span>i over </span><span style=\"display:inherit;clear:left;\">KONSERN<span class=\"_ _1\"></span><span class=\"ls0 ws0\"> </span></span><span style=\"display:inherit;clear:left;\">re<span class=\"_ _8\"></span>su<span class=\"_ _8\"></span>lt<span class=\"_ _8\"></span>at </span><span style=\"display:inherit;clear:left;\">re<span class=\"_ _8\"></span>su<span class=\"_ _8\"></span>lt<span class=\"_ _8\"></span>at </span><span style=\"display:inherit;clear:left;\">Sikrings-</span><span style=\"display:inherit;clear:left;\">Amortisert </span><span style=\"display:inherit;clear:left;\">2)</span><span style=\"display:inherit;clear:left;\">bokf\u00f8ring </span><span style=\"display:inherit;clear:left;\">1)</span><span style=\"display:inherit;clear:left;\">31/12-<span class=\"_ _1\"></span>2022</span><span style=\"display:inherit;clear:left;\">(pliktig<span class=\"_ _8\"></span>)</span><span style=\"display:inherit;clear:left;\">(op<span class=\"_ _1\"></span>sjon<span class=\"_ _1\"></span>) </span><span style=\"display:inherit;clear:left;\">kost<span class=\"_ _8a\"> </span><span class=\"ls142 ws1f1\">To<span class=\"_ _8\"></span>t<span class=\"_ _a\"></span>a<span class=\"_ _a\"></span>l<span class=\"_ _8\"></span>t</span></span><span style=\"display:inherit;clear:left;\">Eiendeler</span><span style=\"display:inherit;clear:left;\">Kontan<span class=\"_ _1\"></span>ter og<span class=\"_ _1\"></span> for<span class=\"_ _1\"></span>dringer p\u00e5<span class=\"_ _1\"></span> sentr<span class=\"_ _1\"></span>albanker<span class=\"_ _1af\"> </span><span class=\"lsa wsa\">143<span class=\"_ _78\"> </span>14<span class=\"_ _8\"></span>3</span></span><span style=\"display:inherit;clear:left;\">Utl\u00e5n til<span class=\"_ _1\"></span> og for<span class=\"_ _1\"></span>dringer<span class=\"_ _1\"></span> p\u00e5 kredi<span class=\"_ _1\"></span>ttinstitusjoner<span class=\"_ _1b0\"> </span><span class=\"ls0 ws0\">1 018<span class=\"_ _94\"> </span>1 018</span></span><span style=\"display:inherit;clear:left;\">Netto utl\u00e5n<span class=\"_ _1b1\"> </span><span class=\"ls0 ws0\">22 840<span class=\"_ _de\"> </span>2<span class=\"_ _1\"></span>01 654<span class=\"_ _111\"> </span><span class=\"ls84 wsdf\">2<span class=\"_ _8\"></span>24 4<span class=\"_ _8\"></span>9<span class=\"_ _8\"></span>4</span></span></span><span style=\"display:inherit;clear:left;\">Aksjer til<span class=\"_ _1\"></span> virkelig<span class=\"_ _1\"></span> ver<span class=\"_ _1\"></span>di ov<span class=\"_ _1\"></span>er r<span class=\"_ _1\"></span>esultat<span class=\"_ _1\"></span>et<span class=\"_ _172\"> </span><span class=\"ls125 ws1cf\">226<span class=\"_ _1b2\"> </span><span class=\"ls122 ws1cc\">226</span></span></span><span style=\"display:inherit;clear:left;\">Sertifikater og<span class=\"_ _1\"></span> obligasjoner<span class=\"_ _34\"> </span><span class=\"ls138 ws1e5\">30<span class=\"_ _8\"></span> 825<span class=\"_ _1b3\"> </span><span class=\"ls10 ws10\">30 825</span></span></span><span style=\"display:inherit;clear:left;\">Finansielle deriv<span class=\"_ _1\"></span>at<span class=\"_ _1\"></span>er<span class=\"_ _7c\"> </span></span><span style=\"display:inherit;clear:left;\">1 280<span class=\"_ _5e\"> </span><span class=\"ls0 ws0\">1 2<span class=\"_ _1\"></span>96<span class=\"_ _e2\"> </span><span class=\"ls21 ws175\">2 575</span></span></span><span style=\"display:inherit;clear:left;\">To<span class=\"_ _8\"></span>t<span class=\"_ _a\"></span>a<span class=\"_ _8\"></span>l<span class=\"_ _a\"></span>t<span class=\"_ _1a8\"> </span></span><span style=\"display:inherit;clear:left;\">32 3<span class=\"_ _8\"></span>30<span class=\"_ _db\"> </span><span class=\"ls0 ws0\">22 840<span class=\"_ _189\"> </span>1 29<span class=\"_ _8\"></span>6<span class=\"_ _1b4\"> </span><span class=\"lsf2 ws154\">202 815<span class=\"_ _10b\"> </span></span>259 281</span></span><span style=\"display:inherit;clear:left;\">Gjeld</span><span style=\"display:inherit;clear:left;\">Gjeld til kr<span class=\"_ _1\"></span>edittinstitusjoner<span class=\"_ _1b5\"> </span><span class=\"ls0 ws0\">3 095<span class=\"_ _6b\"> </span>3 095</span></span><span style=\"display:inherit;clear:left;\">Innskudd<span class=\"_ _12e\"> </span></span><span style=\"display:inherit;clear:left;\">576<span class=\"_ _50\"> </span><span class=\"ls14 ws14\">111 698<span class=\"_ _dc\"> </span><span class=\"ls124 ws1ce\">1<span class=\"_ _8\"></span>1<span class=\"_ _a\"></span>2<span class=\"_ _8\"></span> 2<span class=\"_ _a\"></span>74</span></span></span><span style=\"display:inherit;clear:left;\">Gjeld stiftet<span class=\"_ _1\"></span> ved u<span class=\"_ _1\"></span>tstedelse a<span class=\"_ _1\"></span>v v<span class=\"_ _1\"></span>erdipapir<span class=\"_ _1\"></span>er <span class=\"_ _1b6\"> </span></span><span style=\"display:inherit;clear:left;\">46<span class=\"_ _8\"></span> 042<span class=\"_ _90\"> </span></span><span style=\"display:inherit;clear:left;\">19 093</span><span style=\"display:inherit;clear:left;\"><span class=\"_ _cb\"> </span><span class=\"ls125 ws1cf\">5<span class=\"_ _8\"></span>4<span class=\"_ _8\"></span> 701<span class=\"_ _131\"> </span></span></span><span style=\"display:inherit;clear:left;\">119<span class=\"_ _1\"></span> 836</span><span style=\"display:inherit;clear:left;\">Finansielle deriv<span class=\"_ _1\"></span>at<span class=\"_ _1\"></span>er<span class=\"_ _1b7\"> </span></span><span style=\"display:inherit;clear:left;\">1<span class=\"_ _8\"></span> 792<span class=\"_ _129\"> </span><span class=\"ls12c ws1d6\">130<span class=\"_ _5f\"> </span><span class=\"ls0 ws0\">1 922</span></span></span><span style=\"display:inherit;clear:left;\">Av<span class=\"_ _1\"></span>setning gar<span class=\"_ _1\"></span>antier<span class=\"_ _0\"></span>, ubenyttet kreditt<span class=\"_ _1\"></span> og l\u00e5netilsagn<span class=\"_ _1b8\"> </span>96<span class=\"_ _10\"> </span>96</span><span style=\"display:inherit;clear:left;\">Ansvarlig<span class=\"_ _1\"></span> l\u00e5nekapital<span class=\"_ _1ad\"> </span><span class=\"ls0 ws0\">1 855<span class=\"_ _6f\"> </span>1 855</span></span><span style=\"display:inherit;clear:left;\">To<span class=\"_ _8\"></span>t<span class=\"_ _a\"></span>a<span class=\"_ _8\"></span>l<span class=\"_ _a\"></span>t<span class=\"_ _1b9\"> </span></span><span style=\"display:inherit;clear:left;\">1 792<span class=\"_ _d4\"> </span></span><span style=\"display:inherit;clear:left;\">46 618<span class=\"_ _cb\"> </span>19 2<span class=\"_ _8\"></span>23<span class=\"_ _1b4\"> </span><span class=\"lsd wsd\">171 444<span class=\"_ _a5\"> </span><span class=\"ls82 ws14b\">239<span class=\"_ _8\"></span> 077</span></span></span><span style=\"display:inherit;clear:left;\">1)</span><span style=\"display:inherit;clear:left;\">  <span class=\"_ _4\"></span>Konsernet benytter sikringsbok<span class=\"_ _8\"></span>f\u00f8ring f<span class=\"_ _1\"></span>or \u00e5 styre<span class=\"_ _1\"></span> rent<span class=\"_ _1\"></span>erisiko f<span class=\"_ _1\"></span>or langsiktig finansiell g<span class=\"_ _8\"></span>jeld knyttet til boligkreditts<span class=\"_ _8\"></span>elskapet. <span class=\"ls0 ws0\"> </span></span><span style=\"display:inherit;clear:left;\">For fina<span class=\"_ _8\"></span>nsi<span class=\"_ _8\"></span>ell g<span class=\"_ _a\"></span>jel<span class=\"_ _8\"></span>d som e<span class=\"_ _8\"></span>r sik<span class=\"_ _8\"></span>ring<span class=\"_ _8\"></span>sbo<span class=\"_ _8\"></span>kf\u00f8<span class=\"_ _8\"></span>rt v<span class=\"_ _8\"></span>urdere<span class=\"_ _8\"></span>s de si<span class=\"_ _8\"></span>kred<span class=\"_ _8\"></span>e risi<span class=\"_ _8\"></span>koene t<span class=\"_ _8\"></span>il vi<span class=\"_ _8\"></span>rkeli<span class=\"_ _8\"></span>g verdi, m<span class=\"_ _8\"></span>ens re<span class=\"_ _8\"></span>sten av ins<span class=\"_ _8\"></span>tru<span class=\"_ _8\"></span>mentet e<span class=\"_ _8\"></span>r vurd<span class=\"_ _8\"></span>er<span class=\"_ _8\"></span>t </span><span style=\"display:inherit;clear:left;\">til amortisert kost. Sikring<span class=\"_ _1\"></span>sderiva<span class=\"_ _1\"></span>tene vur<span class=\"_ _1\"></span>deres<span class=\"_ _1\"></span> til virk<span class=\"_ _1\"></span>elig ver<span class=\"_ _1\"></span>di. Se<span class=\"_ _1\"></span> note<span class=\"_ _1\"></span> 25.</span><span style=\"display:inherit;clear:left;\">2)</span><span style=\"display:inherit;clear:left;\"> End<span class=\"_ _8\"></span>ring i v<span class=\"_ _8\"></span>irkel<span class=\"_ _8\"></span>ig verd<span class=\"_ _8\"></span>i knyt<span class=\"_ _8\"></span>tet ti<span class=\"_ _8\"></span>l end<span class=\"_ _8\"></span>ring i e<span class=\"_ _8\"></span>gen k<span class=\"_ _8\"></span>redit<span class=\"_ _8\"></span>tri<span class=\"_ _8\"></span>siko er f\u00f8<span class=\"_ _8\"></span>rt over u<span class=\"_ _8\"></span>tvi<span class=\"_ _8\"></span>det re<span class=\"_ _8\"></span>sult<span class=\"_ _8\"></span>atreg<span class=\"_ _8\"></span>nska<span class=\"_ _8\"></span>p.</span><span style=\"display:inherit;clear:left;\">Virkelig <span class=\"_ _4\"></span><span class=\"ls0 ws0\"> </span></span><span style=\"display:inherit;clear:left;\">Virkelig <span class=\"_ _4\"></span><span class=\"ls0 ws0\"> </span></span><span style=\"display:inherit;clear:left;\">Virkelig <span class=\"_ _4\"></span><span class=\"ls0 ws0\"> </span></span><span style=\"display:inherit;clear:left;\">verd<span class=\"_ _8\"></span>i over </span><span style=\"display:inherit;clear:left;\">verd<span class=\"_ _8\"></span>i over </span><span style=\"display:inherit;clear:left;\">verd<span class=\"_ _8\"></span>i over </span><span style=\"display:inherit;clear:left;\">utv<span class=\"_ _8\"></span>ide<span class=\"_ _8\"></span>t </span><span style=\"display:inherit;clear:left;\">MORBANK<span class=\"ls0 ws0\"> </span></span><span style=\"display:inherit;clear:left;\">re<span class=\"_ _8\"></span>su<span class=\"_ _8\"></span>lt<span class=\"_ _8\"></span>at </span><span style=\"display:inherit;clear:left;\">re<span class=\"_ _8\"></span>su<span class=\"_ _8\"></span>lt<span class=\"_ _8\"></span>at </span><span style=\"display:inherit;clear:left;\">re<span class=\"_ _8\"></span>su<span class=\"_ _8\"></span>lt<span class=\"_ _8\"></span>at <span class=\"_ _b3\"></span><span class=\"ls0 ws0\"> </span></span><span style=\"display:inherit;clear:left;\">Amortisert </span><span style=\"display:inherit;clear:left;\">31/12-<span class=\"_ _1\"></span>2023</span><span style=\"display:inherit;clear:left;\">(pliktig<span class=\"_ _8\"></span>)</span><span style=\"display:inherit;clear:left;\">(op<span class=\"_ _1\"></span>sjon<span class=\"_ _1\"></span>)</span><span style=\"display:inherit;clear:left;\">(OC<span class=\"_ _8\"></span>I)</span><span style=\"display:inherit;clear:left;\">kost<span class=\"_ _8a\"> </span><span class=\"ls142 ws1f1\">To<span class=\"_ _8\"></span>t<span class=\"_ _a\"></span>a<span class=\"_ _a\"></span>l<span class=\"_ _8\"></span>t</span></span><span style=\"display:inherit;clear:left;\">Eiendeler</span><span style=\"display:inherit;clear:left;\">Kontan<span class=\"_ _1\"></span>ter og<span class=\"_ _1\"></span> for<span class=\"_ _1\"></span>dringer p\u00e5<span class=\"_ _1\"></span> sentr<span class=\"_ _1\"></span>albanker<span class=\"_ _1af\"> </span></span><span style=\"display:inherit;clear:left;\">387<span class=\"_ _16\"> </span>3<span class=\"_ _8\"></span>87</span><span style=\"display:inherit;clear:left;\">Utl\u00e5n til<span class=\"_ _1\"></span> og for<span class=\"_ _1\"></span>dringer<span class=\"_ _1\"></span> p\u00e5 kredi<span class=\"_ _1\"></span>ttinstitusjoner<span class=\"_ _1ba\"> </span></span><span style=\"display:inherit;clear:left;\">2<span class=\"_ _8\"></span>3<span class=\"_ _a\"></span> 74<span class=\"_ _a\"></span>8<span class=\"_ _b7\"> </span>2<span class=\"_ _8\"></span>3<span class=\"_ _a\"></span> 74<span class=\"_ _a\"></span>8</span><span style=\"display:inherit;clear:left;\">Netto utl\u00e5n<span class=\"_ _1bb\"> </span></span><span style=\"display:inherit;clear:left;\">4 591<span class=\"_ _dc\"> </span></span><span style=\"display:inherit;clear:left;\">50 090<span class=\"_ _c9\"> </span></span><span style=\"display:inherit;clear:left;\">59<span class=\"_ _8\"></span> 5<span class=\"_ _8\"></span>42<span class=\"_ _c7\"> </span><span class=\"ls7 ws7\">114 222</span></span><span style=\"display:inherit;clear:left;\">Aksjer til<span class=\"_ _1\"></span> virkelig<span class=\"_ _1\"></span> ver<span class=\"_ _1\"></span>di ov<span class=\"_ _1\"></span>er r<span class=\"_ _1\"></span>esultat<span class=\"_ _1\"></span>et<span class=\"_ _1a5\"> </span></span><span style=\"display:inherit;clear:left;\">559<span class=\"_ _1b2\"> </span>559</span><span style=\"display:inherit;clear:left;\">Sertifikater og<span class=\"_ _1\"></span> obligasjoner<span class=\"_ _1bc\"> </span></span><span style=\"display:inherit;clear:left;\">33 91<span class=\"_ _8\"></span>5<span class=\"_ _17f\"> </span>33 915</span><span style=\"display:inherit;clear:left;\">Finansielle deriv<span class=\"_ _1\"></span>at<span class=\"_ _1\"></span>er<span class=\"_ _1bd\"> </span></span><span style=\"display:inherit;clear:left;\">4 608<span class=\"_ _1be\"> </span>4 608</span><span style=\"display:inherit;clear:left;\">To<span class=\"_ _8\"></span>t<span class=\"_ _a\"></span>a<span class=\"_ _8\"></span>l<span class=\"_ _a\"></span>t<span class=\"_ _140\"> </span></span><span style=\"display:inherit;clear:left;\">39 08<span class=\"_ _8\"></span>3<span class=\"_ _8e\"> </span><span class=\"ls8 ws8\">4<span class=\"_ _8\"></span> 59<span class=\"_ _8\"></span>1<span class=\"_ _c7\"> </span></span>50 090<span class=\"_ _c9\"> </span></span><span style=\"display:inherit;clear:left;\">8<span class=\"_ _8\"></span>3<span class=\"_ _8\"></span> 6<span class=\"_ _8\"></span>76<span class=\"_ _10b\"> </span><span class=\"ls92 wsee\">17<span class=\"_ _8\"></span>7 43<span class=\"_ _8\"></span>9</span></span><span style=\"display:inherit;clear:left;\">Gjeld</span><span style=\"display:inherit;clear:left;\">Gjeld til kr<span class=\"_ _1\"></span>edittinstitusjoner<span class=\"_ _1bf\"> </span></span><span style=\"display:inherit;clear:left;\">9 129<span class=\"_ _6f\"> </span>9 129</span><span style=\"display:inherit;clear:left;\">Innskudd<span class=\"_ _1aa\"> </span></span><span style=\"display:inherit;clear:left;\">1 8<span class=\"_ _8\"></span>24<span class=\"_ _f7\"> </span>1<span class=\"_ _8\"></span>21<span class=\"_ _8\"></span> 824<span class=\"_ _10a\"> </span><span class=\"ls122 ws1cc\">123 648</span></span><span style=\"display:inherit;clear:left;\">Gjeld stiftet<span class=\"_ _1\"></span> ved u<span class=\"_ _1\"></span>tstedelse a<span class=\"_ _1\"></span>v v<span class=\"_ _1\"></span>erdipapir<span class=\"_ _1\"></span>er<span class=\"_ _aa\"> </span></span><span style=\"display:inherit;clear:left;\">10 2<span class=\"_ _1\"></span>7<span class=\"_ _0\"></span>4<span class=\"_ _1c0\"> </span><span class=\"ls59 wsac\">1<span class=\"_ _8\"></span>2<span class=\"_ _8\"></span> 414<span class=\"_ _d4\"> </span></span>22 68<span class=\"_ _8\"></span>9</span><span style=\"display:inherit;clear:left;\">Finansielle deriv<span class=\"_ _1\"></span>at<span class=\"_ _1\"></span>er<span class=\"_ _138\"> </span></span><span style=\"display:inherit;clear:left;\">4 540<span class=\"_ _150\"> </span>4 540</span><span style=\"display:inherit;clear:left;\">Av<span class=\"_ _1\"></span>setning gar<span class=\"_ _1\"></span>antier<span class=\"_ _0\"></span>, ubenyttet kreditt<span class=\"_ _1\"></span> og l\u00e5netilsagn<span class=\"_ _1ac\"> </span></span><span style=\"display:inherit;clear:left;\">146<span class=\"_ _78\"> </span>146</span><span style=\"display:inherit;clear:left;\">Ansvarlig<span class=\"_ _1\"></span> l\u00e5nekapital<span class=\"_ _1ad\"> </span></span><span style=\"display:inherit;clear:left;\">2 165<span class=\"_ _6f\"> </span>2 165</span><span style=\"display:inherit;clear:left;\">To<span class=\"_ _8\"></span>t<span class=\"_ _a\"></span>a<span class=\"_ _8\"></span>l<span class=\"_ _a\"></span>t<span class=\"_ _171\"> </span></span><span style=\"display:inherit;clear:left;\">4 540<span class=\"_ _cb\"> </span>12 098<span class=\"_ _15\"> </span>0<span class=\"_ _1b4\"> </span></span><span style=\"display:inherit;clear:left;\">14<span class=\"_ _8\"></span>5 679<span class=\"_ _a3\"> </span><span class=\"ls9a wsf7\">162 316</span></span><span style=\"display:inherit;clear:left;\">Virkelig <span class=\"_ _4\"></span><span class=\"ls0 ws0\"> </span></span><span style=\"display:inherit;clear:left;\">Virkelig <span class=\"_ _4\"></span><span class=\"ls0 ws0\"> </span></span><span style=\"display:inherit;clear:left;\">Virkelig <span class=\"_ _4\"></span><span class=\"ls0 ws0\"> </span></span><span style=\"display:inherit;clear:left;\">verd<span class=\"_ _8\"></span>i over </span><span style=\"display:inherit;clear:left;\">verd<span class=\"_ _8\"></span>i over </span><span style=\"display:inherit;clear:left;\">verd<span class=\"_ _8\"></span>i over </span><span style=\"display:inherit;clear:left;\">utv<span class=\"_ _8\"></span>ide<span class=\"_ _8\"></span>t </span><span style=\"display:inherit;clear:left;\">MORBANK<span class=\"ls0 ws0\"> </span></span><span style=\"display:inherit;clear:left;\">re<span class=\"_ _8\"></span>su<span class=\"_ _8\"></span>lt<span class=\"_ _8\"></span>at </span><span style=\"display:inherit;clear:left;\">re<span class=\"_ _8\"></span>su<span class=\"_ _8\"></span>lt<span class=\"_ _8\"></span>at </span><span style=\"display:inherit;clear:left;\">re<span class=\"_ _8\"></span>su<span class=\"_ _8\"></span>lt<span class=\"_ _8\"></span>at <span class=\"_ _b3\"></span><span class=\"ls0 ws0\"> </span></span><span style=\"display:inherit;clear:left;\">Amortisert </span><span style=\"display:inherit;clear:left;\">31/12-<span class=\"_ _1\"></span>2022</span><span style=\"display:inherit;clear:left;\">(pliktig<span class=\"_ _8\"></span>)</span><span style=\"display:inherit;clear:left;\">(op<span class=\"_ _1\"></span>sjon<span class=\"_ _1\"></span>)</span><span style=\"display:inherit;clear:left;\">(OC<span class=\"_ _8\"></span>I)</span><span style=\"display:inherit;clear:left;\">kost<span class=\"_ _8a\"> </span><span class=\"ls142 ws1f1\">To<span class=\"_ _8\"></span>t<span class=\"_ _a\"></span>a<span class=\"_ _a\"></span>l<span class=\"_ _8\"></span>t</span></span><span style=\"display:inherit;clear:left;\">Eiendeler</span><span style=\"display:inherit;clear:left;\">Kontan<span class=\"_ _1\"></span>ter og<span class=\"_ _1\"></span> for<span class=\"_ _1\"></span>dringer p\u00e5<span class=\"_ _1\"></span> sentr<span class=\"_ _1\"></span>albanker<span class=\"_ _1af\"> </span></span><span style=\"display:inherit;clear:left;\">143<span class=\"_ _16\"> </span>143</span><span style=\"display:inherit;clear:left;\">Utl\u00e5n til<span class=\"_ _1\"></span> og for<span class=\"_ _1\"></span>dringer<span class=\"_ _1\"></span> p\u00e5 kredi<span class=\"_ _1\"></span>ttinstitusjoner<span class=\"_ _1c1\"> </span></span><span style=\"display:inherit;clear:left;\">19 573<span class=\"_ _89\"> </span>1<span class=\"_ _8\"></span>9 573</span><span style=\"display:inherit;clear:left;\">Netto utl\u00e5n<span class=\"_ _1bb\"> </span></span><span style=\"display:inherit;clear:left;\">4 7<span class=\"_ _8\"></span>97<span class=\"_ _dd\"> </span></span><span style=\"display:inherit;clear:left;\">36 5<span class=\"_ _8\"></span>61<span class=\"_ _131\"> </span>55 9<span class=\"_ _8\"></span>00<span class=\"_ _d4\"> </span><span class=\"ls82 ws14b\">97<span class=\"_ _8\"></span> 258</span></span><span style=\"display:inherit;clear:left;\">Aksjer til<span class=\"_ _1\"></span> virkelig<span class=\"_ _1\"></span> ver<span class=\"_ _1\"></span>di ov<span class=\"_ _1\"></span>er r<span class=\"_ _1\"></span>esultat<span class=\"_ _1\"></span>et<span class=\"_ _1c2\"> </span></span><span style=\"display:inherit;clear:left;\">226<span class=\"_ _1b2\"> </span>226</span><span style=\"display:inherit;clear:left;\">Sertifikater og<span class=\"_ _1\"></span> obligasjoner<span class=\"_ _1c3\"> </span></span><span style=\"display:inherit;clear:left;\">30 64<span class=\"_ _8\"></span>8<span class=\"_ _1c4\"> </span>30 64<span class=\"_ _8\"></span>8</span><span style=\"display:inherit;clear:left;\">Finansielle deriv<span class=\"_ _1\"></span>at<span class=\"_ _1\"></span>er<span class=\"_ _1bd\"> </span></span><span style=\"display:inherit;clear:left;\">4 894<span class=\"_ _150\"> </span>4 89<span class=\"_ _8\"></span>4</span><span style=\"display:inherit;clear:left;\">To<span class=\"_ _8\"></span>t<span class=\"_ _a\"></span>a<span class=\"_ _8\"></span>l<span class=\"_ _a\"></span>t<span class=\"_ _15d\"> </span></span><span style=\"display:inherit;clear:left;\">35<span class=\"_ _8\"></span> 76<span class=\"_ _8\"></span>9<span class=\"_ _6b\"> </span></span><span style=\"display:inherit;clear:left;\">4 797<span class=\"_ _90\"> </span></span><span style=\"display:inherit;clear:left;\">36 56<span class=\"_ _8\"></span>1<span class=\"_ _90\"> </span></span><span style=\"display:inherit;clear:left;\">75 61<span class=\"_ _8\"></span>5<span class=\"_ _10a\"> </span><span class=\"ls144 ws1f3\">1<span class=\"_ _8\"></span>5<span class=\"_ _8\"></span>2<span class=\"_ _8\"></span> 74<span class=\"_ _a\"></span>2</span></span><span style=\"display:inherit;clear:left;\">Gjeld</span><span style=\"display:inherit;clear:left;\">Gjeld til kr<span class=\"_ _1\"></span>edittinstitusjoner<span class=\"_ _1c5\"> </span></span><span style=\"display:inherit;clear:left;\">3 568<span class=\"_ _107\"> </span>3 56<span class=\"_ _8\"></span>8</span><span style=\"display:inherit;clear:left;\">Innskudd<span class=\"_ _1c6\"> </span></span><span style=\"display:inherit;clear:left;\">576<span class=\"_ _119\"> </span></span><span style=\"display:inherit;clear:left;\">111 726<span class=\"_ _c7\"> </span><span class=\"ls122 ws1cc\">112 302</span></span><span style=\"display:inherit;clear:left;\">Gjeld stiftet<span class=\"_ _1\"></span> ved u<span class=\"_ _1\"></span>tstedelse a<span class=\"_ _1\"></span>v v<span class=\"_ _1\"></span>erdipapir<span class=\"_ _1\"></span>er<span class=\"_ _191\"> </span></span><span style=\"display:inherit;clear:left;\">8 23<span class=\"_ _8\"></span>9<span class=\"_ _119\"> </span></span><span style=\"display:inherit;clear:left;\">10<span class=\"_ _1\"></span> 023<span class=\"_ _90\"> </span><span class=\"ls122 ws1cc\">1<span class=\"_ _8\"></span>8 262</span></span><span style=\"display:inherit;clear:left;\">Finansielle deriv<span class=\"_ _1\"></span>at<span class=\"_ _1\"></span>er<span class=\"_ _1c7\"> </span></span><span style=\"display:inherit;clear:left;\">2 5<span class=\"_ _8\"></span>07<span class=\"_ _1c8\"> </span>2 5<span class=\"_ _8\"></span>07</span><span style=\"display:inherit;clear:left;\">Av<span class=\"_ _1\"></span>setning gar<span class=\"_ _1\"></span>antier<span class=\"_ _0\"></span>, ubenyttet kreditt<span class=\"_ _1\"></span> og l\u00e5netilsagn<span class=\"_ _1b8\"> </span>96<span class=\"_ _10\"> </span>96</span><span style=\"display:inherit;clear:left;\">Ansvarlig<span class=\"_ _1\"></span> l\u00e5nekapital<span class=\"_ _1ad\"> </span></span><span style=\"display:inherit;clear:left;\">1 855<span class=\"_ _6f\"> </span>1 855</span><span style=\"display:inherit;clear:left;\">To<span class=\"_ _8\"></span>t<span class=\"_ _a\"></span>a<span class=\"_ _8\"></span>l<span class=\"_ _a\"></span>t<span class=\"_ _1c9\"> </span></span><span style=\"display:inherit;clear:left;\">2 507<span class=\"_ _86\"> </span></span><span style=\"display:inherit;clear:left;\">8 815<span class=\"_ _9c\"> </span>0<span class=\"_ _10a\"> </span></span><span style=\"display:inherit;clear:left;\">127 267<span class=\"_ _1b4\"> </span><span class=\"ls123 ws1cd\">138 589</span></span><span style=\"display:inherit;clear:left;\">No<span class=\"_ _1\"></span>te 5 Virk<span class=\"_ _1\"></span>elig v<span class=\"_ _2\"></span>erdi a<span class=\"_ _1\"></span>v finansie<span class=\"_ _1\"></span>lle instr<span class=\"_ _8\"></span>umen<span class=\"_ _1\"></span>te<span class=\"_ _1\"></span>r vurdert t<span class=\"_ _8\"></span>il amort<span class=\"_ _8\"></span>isert kos<span class=\"_ _1\"></span>t</span><span style=\"display:inherit;clear:left;\">31/12-<span class=\"_ _1\"></span>2023<span class=\"_ _5f\"> </span>31/1<span class=\"_ _8\"></span>2<span class=\"_ _1\"></span>-<span class=\"_ _1\"></span>2022</span><span style=\"display:inherit;clear:left;\">Balansef\u00f8rt <span class=\"_ _4\"></span><span class=\"ls0 ws0\"> </span></span><span style=\"display:inherit;clear:left;\">Virkelig<span class=\"ls0 ws0\"> </span></span><span style=\"display:inherit;clear:left;\">Balansef\u00f8rt <span class=\"_ _4\"></span><span class=\"ls0 ws0\"> </span></span><span style=\"display:inherit;clear:left;\">Virkelig<span class=\"ls0 ws0\"> </span></span><span style=\"display:inherit;clear:left;\">KONSERN<span class=\"_ _1ca\"> </span><span class=\"ls11e wsb9\">Noter</span></span><span style=\"display:inherit;clear:left;\">verd<span class=\"_ _8\"></span>i</span><span style=\"display:inherit;clear:left;\">verd<span class=\"_ _8\"></span>i</span><span style=\"display:inherit;clear:left;\">verd<span class=\"_ _8\"></span>i</span><span style=\"display:inherit;clear:left;\">verd<span class=\"_ _8\"></span>i</span><span style=\"display:inherit;clear:left;\">Kontan<span class=\"_ _1\"></span>ter og<span class=\"_ _1\"></span> for<span class=\"_ _1\"></span>dringer p\u00e5<span class=\"_ _1\"></span> sentr<span class=\"_ _1\"></span>albanker<span class=\"_ _1a5\"> </span></span><span style=\"display:inherit;clear:left;\">387<span class=\"_ _97\"> </span>3<span class=\"_ _8\"></span>87<span class=\"_ _43\"> </span></span><span style=\"display:inherit;clear:left;\">143<span class=\"_ _df\"> </span>143</span><span style=\"display:inherit;clear:left;\">Utl\u00e5n til<span class=\"_ _1\"></span> og for<span class=\"_ _1\"></span>dringer<span class=\"_ _1\"></span> p\u00e5 kredi<span class=\"_ _1\"></span>ttinstitusjoner<span class=\"_ _ed\"> </span></span><span style=\"display:inherit;clear:left;\">4<span class=\"_ _8\"></span>,1<span class=\"_ _8\"></span>7<span class=\"_ _91\"> </span></span><span style=\"display:inherit;clear:left;\">3 154<span class=\"_ _91\"> </span>3 154<span class=\"_ _48\"> </span>1 018<span class=\"_ _92\"> </span>1 0<span class=\"_ _8\"></span>18</span><span style=\"display:inherit;clear:left;\">Utl\u00e5n til<span class=\"_ _1\"></span> kunder<span class=\"_ _17b\"> </span></span><span style=\"display:inherit;clear:left;\">4<span class=\"_ _8\"></span>,1<span class=\"_ _8\"></span>2<span class=\"_ _83\"> </span></span><span style=\"display:inherit;clear:left;\">235 695<span class=\"_ _87\"> </span></span><span style=\"display:inherit;clear:left;\">235 939<span class=\"_ _17\"> </span></span><span style=\"display:inherit;clear:left;\">201 6<span class=\"_ _8\"></span>54<span class=\"_ _6f\"> </span>201 818</span><span style=\"display:inherit;clear:left;\">Sum eiendeler vur<span class=\"_ _1\"></span>dert til amortisert kos<span class=\"_ _1\"></span>t<span class=\"_ _19d\"> </span></span><span style=\"display:inherit;clear:left;\">239 235<span class=\"_ _cd\"> </span></span><span style=\"display:inherit;clear:left;\">2<span class=\"_ _a\"></span>3<span class=\"_ _8\"></span>9<span class=\"_ _8\"></span> 47<span class=\"_ _8\"></span>9<span class=\"_ _78\"> </span></span><span style=\"display:inherit;clear:left;\">202 815<span class=\"_ _cd\"> </span><span class=\"ls62 wsb6\">20<span class=\"_ _8\"></span>2 978</span></span><span style=\"display:inherit;clear:left;\">Gjeld til kr<span class=\"_ _1\"></span>edittinstitusjoner<span class=\"_ _1cb\"> </span></span><span style=\"display:inherit;clear:left;\">4,36<span class=\"_ _18\"> </span></span><span style=\"display:inherit;clear:left;\">5 45<span class=\"_ _8\"></span>4<span class=\"_ _11\"> </span>5 4<span class=\"_ _8\"></span>54<span class=\"_ _df\"> </span>3 095<span class=\"_ _16\"> </span>3 095</span><span style=\"display:inherit;clear:left;\">Innskudd fra<span class=\"_ _1\"></span> kunder<span class=\"_ _aa\"> </span></span><span style=\"display:inherit;clear:left;\">4,38<span class=\"_ _ba\"> </span></span><span style=\"display:inherit;clear:left;\">12<span class=\"_ _8\"></span>1 7<span class=\"_ _8\"></span>75<span class=\"_ _ba\"> </span>1<span class=\"_ _8\"></span>21<span class=\"_ _8\"></span> 7<span class=\"_ _8\"></span>75<span class=\"_ _96\"> </span></span><span style=\"display:inherit;clear:left;\">111 698<span class=\"_ _74\"> </span>111 698</span><span style=\"display:inherit;clear:left;\">Gjeld stiftet<span class=\"_ _1\"></span> ved u<span class=\"_ _1\"></span>tstedelse a<span class=\"_ _1\"></span>v v<span class=\"_ _1\"></span>erdipapir<span class=\"_ _1\"></span>er<span class=\"_ _1ab\"> </span></span><span style=\"display:inherit;clear:left;\">4<span class=\"_ _74\"> </span>67 683<span class=\"_ _12\"> </span></span><span style=\"display:inherit;clear:left;\">67 7<span class=\"_ _8\"></span>12<span class=\"_ _95\"> </span></span><span style=\"display:inherit;clear:left;\">5<span class=\"_ _8\"></span>4<span class=\"_ _8\"></span> 701<span class=\"_ _74\"> </span><span class=\"ls108 ws16a\">5<span class=\"_ _8\"></span>4 578</span></span><span style=\"display:inherit;clear:left;\">Ansvarlig<span class=\"_ _1\"></span> l\u00e5nekapital<span class=\"_ _1cc\"> </span></span><span style=\"display:inherit;clear:left;\">4,40<span class=\"_ _e9\"> </span></span><span style=\"display:inherit;clear:left;\">2 165<span class=\"_ _e9\"> </span>2 16<span class=\"_ _8\"></span>8<span class=\"_ _125\"> </span>1 85<span class=\"_ _8\"></span>5<span class=\"_ _8b\"> </span><span class=\"lsa wsa\">1 823</span></span><span style=\"display:inherit;clear:left;\">Sum g<span class=\"_ _8\"></span>jeld vurdert t<span class=\"_ _1\"></span>il amortisert kost<span class=\"_ _1cd\"> </span></span><span style=\"display:inherit;clear:left;\">197 07<span class=\"_ _8\"></span>8<span class=\"_ _6e\"> </span></span><span style=\"display:inherit;clear:left;\">197 1<span class=\"_ _1\"></span>10<span class=\"_ _3e\"> </span></span><span style=\"display:inherit;clear:left;\">171 34<span class=\"_ _8\"></span>8<span class=\"_ _ba\"> </span>17<span class=\"_ _8\"></span>1 193</span><span style=\"display:inherit;clear:left;\">V<span class=\"_ _1\"></span>erdipapirgjeld utpekt til sikringsbokf\u00f8ring<span class=\"_ _ef\"> </span></span><span style=\"display:inherit;clear:left;\">20 57<span class=\"_ _8\"></span>7<span class=\"_ _ba\"> </span></span><span style=\"display:inherit;clear:left;\">2<span class=\"_ _8\"></span>0 5<span class=\"_ _8\"></span>70<span class=\"_ _96\"> </span></span><span style=\"display:inherit;clear:left;\">19 0<span class=\"_ _8\"></span>93<span class=\"_ _1b\"> </span><span class=\"ls9a wsf7\">19 100</span></span><span style=\"display:inherit;clear:left;\">MORBANK</span><span style=\"display:inherit;clear:left;\">Kontan<span class=\"_ _1\"></span>ter og<span class=\"_ _1\"></span> for<span class=\"_ _1\"></span>dringer p\u00e5<span class=\"_ _1\"></span> sentr<span class=\"_ _1\"></span>albanker<span class=\"_ _1a5\"> </span></span><span style=\"display:inherit;clear:left;\">387<span class=\"_ _97\"> </span>3<span class=\"_ _8\"></span>87<span class=\"_ _43\"> </span></span><span style=\"display:inherit;clear:left;\">143<span class=\"_ _df\"> </span>143</span><span style=\"display:inherit;clear:left;\">Utl\u00e5n til<span class=\"_ _1\"></span> og for<span class=\"_ _1\"></span>dringer<span class=\"_ _1\"></span> p\u00e5 kredi<span class=\"_ _1\"></span>ttinstitusjoner<span class=\"_ _ed\"> </span></span><span style=\"display:inherit;clear:left;\">4<span class=\"_ _8\"></span>,1<span class=\"_ _8\"></span>7<span class=\"_ _5d\"> </span></span><span style=\"display:inherit;clear:left;\">2<span class=\"_ _a\"></span>3<span class=\"_ _8\"></span> 74<span class=\"_ _a\"></span>8<span class=\"_ _93\"> </span>2<span class=\"_ _a\"></span>3<span class=\"_ _a\"></span> 74<span class=\"_ _a\"></span>8<span class=\"_ _9d\"> </span></span><span style=\"display:inherit;clear:left;\">19 573<span class=\"_ _12\"> </span>1<span class=\"_ _8\"></span>9 573</span><span style=\"display:inherit;clear:left;\">Utl\u00e5n til<span class=\"_ _1\"></span> kunder<span class=\"_ _17b\"> </span></span><span style=\"display:inherit;clear:left;\">4<span class=\"_ _8\"></span>,1<span class=\"_ _8\"></span>2<span class=\"_ _94\"> </span></span><span style=\"display:inherit;clear:left;\">5<span class=\"_ _8\"></span>9<span class=\"_ _8\"></span> 542<span class=\"_ _5d\"> </span></span><span style=\"display:inherit;clear:left;\">5<span class=\"_ _8\"></span>9 75<span class=\"_ _8\"></span>5<span class=\"_ _10\"> </span></span><span style=\"display:inherit;clear:left;\">55 900<span class=\"_ _74\"> </span><span class=\"ls133 ws1e0\">56 055</span></span><span style=\"display:inherit;clear:left;\">Sum eiendeler vur<span class=\"_ _1\"></span>dert til amortisert kos<span class=\"_ _1\"></span>t<span class=\"_ _1ce\"> </span></span><span style=\"display:inherit;clear:left;\">8<span class=\"_ _8\"></span>3 6<span class=\"_ _8\"></span>76<span class=\"_ _6e\"> </span></span><span style=\"display:inherit;clear:left;\">8<span class=\"_ _8\"></span>3 890<span class=\"_ _a1\"> </span></span><span style=\"display:inherit;clear:left;\">75 6<span class=\"_ _8\"></span>15<span class=\"_ _5d\"> </span><span class=\"ls136 ws1e3\">75 7<span class=\"_ _8\"></span>70</span></span><span style=\"display:inherit;clear:left;\">Gjeld til kr<span class=\"_ _1\"></span>edittinstitusjoner<span class=\"_ _1cb\"> </span></span><span style=\"display:inherit;clear:left;\">4,36<span class=\"_ _e9\"> </span></span><span style=\"display:inherit;clear:left;\">9 129<span class=\"_ _8b\"> </span>9 129<span class=\"_ _25\"> </span></span><span style=\"display:inherit;clear:left;\">3 568<span class=\"_ _8d\"> </span>3 568</span><span style=\"display:inherit;clear:left;\">Innskudd fra<span class=\"_ _1\"></span> kunder<span class=\"_ _aa\"> </span></span><span style=\"display:inherit;clear:left;\">4,38<span class=\"_ _6f\"> </span></span><span style=\"display:inherit;clear:left;\">12<span class=\"_ _8\"></span>1 8<span class=\"_ _8\"></span>24<span class=\"_ _6f\"> </span>1<span class=\"_ _8\"></span>2<span class=\"_ _8\"></span>1 824<span class=\"_ _95\"> </span></span><span style=\"display:inherit;clear:left;\">111 726<span class=\"_ _93\"> </span>111 726</span><span style=\"display:inherit;clear:left;\">Gjeld stiftet<span class=\"_ _1\"></span> ved u<span class=\"_ _1\"></span>tstedelse a<span class=\"_ _1\"></span>v v<span class=\"_ _1\"></span>erdipapir<span class=\"_ _1\"></span>er<span class=\"_ _50\"> </span></span><span style=\"display:inherit;clear:left;\">4,<span class=\"_ _8\"></span>39<span class=\"_ _14\"> </span></span><span style=\"display:inherit;clear:left;\">1<span class=\"_ _8\"></span>2<span class=\"_ _8\"></span> 414<span class=\"_ _11\"> </span>1<span class=\"_ _8\"></span>2<span class=\"_ _8\"></span> 41<span class=\"_ _8\"></span>4<span class=\"_ _4a\"> </span></span><span style=\"display:inherit;clear:left;\">10 023<span class=\"_ _16\"> </span><span class=\"ls0 ws0\">9 93<span class=\"_ _8\"></span>8</span></span><span style=\"display:inherit;clear:left;\">Ansvarlig<span class=\"_ _1\"></span> l\u00e5nekapital<span class=\"_ _1cc\"> </span></span><span style=\"display:inherit;clear:left;\">4,40<span class=\"_ _e9\"> </span></span><span style=\"display:inherit;clear:left;\">2 165<span class=\"_ _e9\"> </span>2 16<span class=\"_ _8\"></span>8<span class=\"_ _125\"> </span>1 85<span class=\"_ _8\"></span>5<span class=\"_ _8b\"> </span><span class=\"lsa wsa\">1 823</span></span><span style=\"display:inherit;clear:left;\">Sum g<span class=\"_ _8\"></span>jeld vurdert t<span class=\"_ _1\"></span>il amortisert kost<span class=\"_ _1cf\"> </span></span><span style=\"display:inherit;clear:left;\">145<span class=\"_ _1\"></span> 533<span class=\"_ _83\"> </span></span><span style=\"display:inherit;clear:left;\">145 5<span class=\"_ _8\"></span>35<span class=\"_ _8b\"> </span></span><span style=\"display:inherit;clear:left;\">12<span class=\"_ _8\"></span>7 172<span class=\"_ _6b\"> </span><span class=\"ls0 ws0\">127 055</span></span><span style=\"display:inherit;clear:left;\">V<span class=\"_ _1\"></span>erdivur<span class=\"_ _1\"></span>dering a<span class=\"_ _1\"></span>v finansielle<span class=\"_ _1\"></span> instrumenter<span class=\"_ _1\"></span> vurdert til<span class=\"_ _1\"></span> amortisert kost</span><span style=\"display:inherit;clear:left;\">Det e<span class=\"_ _8\"></span>r i hoveds<span class=\"_ _8\"></span>ak ut<span class=\"_ _8\"></span>l\u00e5n<span class=\"_ _8\"></span>, inns<span class=\"_ _8\"></span>kud<span class=\"_ _8\"></span>d og inn<span class=\"_ _8\"></span>l\u00e5n m<span class=\"_ _8\"></span>ed <span class=\"ff8 ls136 ws1e3\">flyte<span class=\"_ _8\"></span>nd<span class=\"_ _8\"></span>e<span class=\"_ _8\"></span> re<span class=\"_ _8\"></span>nteb<span class=\"_ _8\"></span>eti<span class=\"_ _8\"></span>n<span class=\"_ _8\"></span>ge<span class=\"_ _8\"></span>l<span class=\"_ _8\"></span>s<span class=\"_ _8\"></span>er<span class=\"_ _8\"></span></span><span class=\"ls5 ws5\"> som vurder<span class=\"_ _1\"></span>es til amortisert kost.<span class=\"_ _1\"></span> Virkelig v<span class=\"_ _1\"></span>erdi<span class=\"_ _1\"></span>-</span></span><span style=\"display:inherit;clear:left;\">betraktinger blir<span class=\"_ _1\"></span> g<span class=\"_ _8\"></span>jort med utgangspunkt i instrument<span class=\"_ _1\"></span>enes egenskaper<span class=\"_ _1\"></span> og ver<span class=\"_ _1\"></span>dier p\u00e5<span class=\"_ _1\"></span> balansedagen. V<span class=\"_ _2\"></span>erdsettelse til virk<span class=\"_ _1\"></span>elig v<span class=\"_ _1\"></span>erdi<span class=\"_ _1\"></span> </span><span style=\"display:inherit;clear:left;\">vil a<span class=\"_ _8\"></span>llti<span class=\"_ _8\"></span>d v\u00e6re be<span class=\"_ _8\"></span>hef<span class=\"_ _8\"></span>tet me<span class=\"_ _8\"></span>d usik<span class=\"_ _8\"></span>kerhet<span class=\"_ _8\"></span>.</span><span style=\"display:inherit;clear:left;\">Utl\u00e5n til<span class=\"_ _1\"></span> og f<span class=\"_ _1\"></span>ordringer<span class=\"_ _1\"></span> p\u00e5 kr<span class=\"_ _1\"></span>edittinstit<span class=\"_ _1\"></span>usjoner </span><span style=\"display:inherit;clear:left;\">De<span class=\"_ _8\"></span>nne reg<span class=\"_ _8\"></span>nsk<span class=\"_ _8\"></span>aps<span class=\"_ _8\"></span>linj<span class=\"_ _8\"></span>e be<span class=\"_ _8\"></span>st\u00e5<span class=\"_ _8\"></span>r i hoveds<span class=\"_ _8\"></span>ak av fordri<span class=\"_ _8\"></span>nger m<span class=\"_ _8\"></span>ed kor<span class=\"_ _8\"></span>t l\u00f8<span class=\"_ _8\"></span>pet<span class=\"_ _8\"></span>id og f<span class=\"_ _8\"></span>ly<span class=\"_ _8\"></span>tend<span class=\"_ _8\"></span>e rente. D<span class=\"_ _8\"></span>ette m<span class=\"_ _8\"></span>edf\u00f8<span class=\"_ _8\"></span>rer at virke<span class=\"_ _8\"></span>lig verd<span class=\"_ _8\"></span>i er </span><span style=\"display:inherit;clear:left;\">tiln\u00e6rmet lik<span class=\"_ _1\"></span> amortisert kost p\u00e5 balansedage<span class=\"_ _1\"></span>n.</span><span style=\"display:inherit;clear:left;\">Utl\u00e5n til<span class=\"_ _1\"></span> kunder</span><span style=\"display:inherit;clear:left;\">Utl<span class=\"_ _8\"></span>\u00e5n til a<span class=\"_ _8\"></span>mor<span class=\"_ _8\"></span>ti<span class=\"_ _8\"></span>ser<span class=\"_ _8\"></span>t kos<span class=\"_ _8\"></span>t blir n<span class=\"_ _8\"></span>eds<span class=\"_ _8\"></span>krevet i tr\u00e5d m<span class=\"_ _8\"></span>ed reg<span class=\"_ _8\"></span>len<span class=\"_ _8\"></span>e i IFR<span class=\"_ _8\"></span>S 9 som v<span class=\"_ _8\"></span>ist i note 12 o<span class=\"_ _8\"></span>g 13. N<span class=\"_ _8\"></span>edsk<span class=\"_ _8\"></span>riv<span class=\"_ _8\"></span>ning i s<span class=\"_ _8\"></span>teg 1 e<span class=\"_ _8\"></span>r en </span><span style=\"display:inherit;clear:left;\">mo<span class=\"_ _8\"></span>dell<span class=\"_ _8\"></span>bere<span class=\"_ _8\"></span>gne<span class=\"_ _8\"></span>t ned<span class=\"_ _8\"></span>skri<span class=\"_ _8\"></span>vnin<span class=\"_ _8\"></span>g som s<span class=\"_ _8\"></span>ann<span class=\"_ _8\"></span>synli<span class=\"_ _8\"></span>gvis ik<span class=\"_ _8\"></span>ke vil p\u00e5vi<span class=\"_ _8\"></span>rke verdi<span class=\"_ _8\"></span>en av et utl\u00e5<span class=\"_ _8\"></span>n ved eventu<span class=\"_ _8\"></span>elt s<span class=\"_ _8\"></span>alg<span class=\"_ _8\"></span>. Vi<span class=\"_ _8\"></span>rkeli<span class=\"_ _8\"></span>g verdi p\u00e5 u<span class=\"_ _8\"></span>tl\u00e5n t<span class=\"_ _8\"></span>il </span><span style=\"display:inherit;clear:left;\">amo<span class=\"_ _8\"></span>rt<span class=\"_ _8\"></span>ise<span class=\"_ _8\"></span>rt ko<span class=\"_ _8\"></span>st er de<span class=\"_ _8\"></span>rfo<span class=\"_ _8\"></span>r vurd<span class=\"_ _8\"></span>er<span class=\"_ _8\"></span>t \u00e5 v\u00e6re bok<span class=\"_ _8\"></span>f\u00f8r<span class=\"_ _8\"></span>t verd<span class=\"_ _8\"></span>i eksk<span class=\"_ _8\"></span>lusi<span class=\"_ _8\"></span>v ned<span class=\"_ _8\"></span>skri<span class=\"_ _8\"></span>vni<span class=\"_ _8\"></span>nger i ste<span class=\"_ _8\"></span>g 1. </span><span style=\"display:inherit;clear:left;\">Inn<span class=\"_ _8\"></span>sku<span class=\"_ _8\"></span>dd <span class=\"_ _1d0\"></span>fra <span class=\"_ _1d0\"></span>kund<span class=\"_ _8\"></span>er <span class=\"_ _1d1\"> </span> <span class=\"_ _6\"></span>    </span><span style=\"display:inherit;clear:left;\">Kons<span class=\"_ _8\"></span>erne<span class=\"_ _8\"></span>t vurde<span class=\"_ _8\"></span>rer at amo<span class=\"_ _8\"></span>rt<span class=\"_ _8\"></span>ise<span class=\"_ _8\"></span>rt kos<span class=\"_ _8\"></span>t gi<span class=\"_ _8\"></span>r et godt b<span class=\"_ _8\"></span>ild<span class=\"_ _8\"></span>e p\u00e5 vi<span class=\"_ _8\"></span>rkeli<span class=\"_ _8\"></span>g verdi av inn<span class=\"_ _8\"></span>skud<span class=\"_ _8\"></span>d fra kun<span class=\"_ _8\"></span>der<span class=\"_ _1\"></span>.</span><span style=\"display:inherit;clear:left;\">Gjeld til kr<span class=\"_ _1\"></span>edittinsti<span class=\"_ _1\"></span>tusjoner<span class=\"_ _2\"></span>, gjel<span class=\"_ _8\"></span>d st<span class=\"_ _1\"></span>iftet<span class=\"_ _1\"></span> ved u<span class=\"_ _1\"></span>tstedelse a<span class=\"_ _1\"></span>v<span class=\"_ _1\"></span> ver<span class=\"_ _1\"></span>dipapirer og<span class=\"_ _1\"></span> ansv<span class=\"_ _1\"></span>arlig l\u00e5nekapital<span class=\"ff4 ls0 ws0\"> </span></span><span style=\"display:inherit;clear:left;\">Virkelig v<span class=\"_ _1\"></span>erdi<span class=\"_ _1\"></span> beregnes ut f<span class=\"_ _1\"></span>ra<span class=\"_ _1\"></span> en teor<span class=\"_ _1\"></span>etisk mark<span class=\"_ _1\"></span>edsv<span class=\"_ _1\"></span>erdivur<span class=\"_ _1\"></span>dering basert p\u00e5 r<span class=\"_ _1\"></span>ente<span class=\"_ _1\"></span>- og s<span class=\"_ _1\"></span>preadkurver<span class=\"_ _0\"></span>.</span><span style=\"display:inherit;clear:left;\">No<span class=\"_ _1\"></span>te 6 V<span class=\"_ _0\"></span>erdse<span class=\"_ _1\"></span>ttelseshie<span class=\"_ _1\"></span>rark<span class=\"_ _8\"></span>i f<span class=\"_ _c\"></span>or fi<span class=\"_ _8\"></span>nansi<span class=\"_ _1\"></span>elle instrumente<span class=\"_ _1\"></span>r til vi<span class=\"_ _8\"></span>rk<span class=\"_ _1\"></span>eli<span class=\"_ _1\"></span>g v<span class=\"_ _1\"></span>erdi</span><span style=\"display:inherit;clear:left;\">Virkelig v<span class=\"_ _1\"></span>erdi<span class=\"_ _1\"></span> p\u00e5 b\u00f8rsno<span class=\"_ _1\"></span>terte in<span class=\"_ _1\"></span>vestering<span class=\"_ _1\"></span>er er basert p\u00e5 </span><span style=\"display:inherit;clear:left;\">g<span class=\"_ _8\"></span>jeldende kurs p\u00e5 balan<span class=\"_ _1\"></span>setidspunktet. F<span class=\"_ _1\"></span>or<span class=\"_ _1\"></span> ver<span class=\"_ _1\"></span>dipapirer<span class=\"_ _1\"></span> som </span><span style=\"display:inherit;clear:left;\">ikke e<span class=\"_ _8\"></span>r b\u00f8rs<span class=\"_ _8\"></span>noter<span class=\"_ _8\"></span>t, o<span class=\"_ _8\"></span>g der d<span class=\"_ _8\"></span>et ikke e<span class=\"_ _8\"></span>r et ak<span class=\"_ _8\"></span>tiv<span class=\"_ _8\"></span>t ma<span class=\"_ _8\"></span>rked, b<span class=\"_ _8\"></span>eny<span class=\"_ _8\"></span>tte<span class=\"_ _8\"></span>r </span><span style=\"display:inherit;clear:left;\">kons<span class=\"_ _8\"></span>erne<span class=\"_ _8\"></span>t pris<span class=\"_ _8\"></span>er i hove<span class=\"_ _8\"></span>dsa<span class=\"_ _8\"></span>k fra Nord<span class=\"_ _8\"></span>ic Bo<span class=\"_ _8\"></span>nd Pr<span class=\"_ _8\"></span>icin<span class=\"_ _8\"></span>g for </span><span style=\"display:inherit;clear:left;\">obligasjoner og sertifikat<span class=\"_ _1\"></span>er<span class=\"_ _2\"></span>. F<span class=\"_ _1\"></span>or uno<span class=\"_ _1\"></span>terte egenka<span class=\"_ _1\"></span>pitalinstru-</span><span style=\"display:inherit;clear:left;\">ment<span class=\"_ _8\"></span>er be<span class=\"_ _8\"></span>nyt<span class=\"_ _8\"></span>tes ul<span class=\"_ _8\"></span>ike verds<span class=\"_ _8\"></span>ette<span class=\"_ _8\"></span>lse<span class=\"_ _8\"></span>stek<span class=\"_ _8\"></span>nikke<span class=\"_ _8\"></span>r for \u00e5 fast<span class=\"_ _8\"></span>set<span class=\"_ _8\"></span>te </span><span style=\"display:inherit;clear:left;\">vir<span class=\"_ _8\"></span>kelige ve<span class=\"_ _8\"></span>rdier i h<span class=\"_ _8\"></span>enh<span class=\"_ _8\"></span>old t<span class=\"_ _8\"></span>il IFR<span class=\"_ _8\"></span>S 13. D<span class=\"_ _8\"></span>ette k<span class=\"_ _8\"></span>an byg<span class=\"_ _8\"></span>ge p\u00e5 si<span class=\"_ _8\"></span>ste </span><span style=\"display:inherit;clear:left;\">emisjonskurs<span class=\"_ _1\"></span> eller omsetning<span class=\"_ _1\"></span>sver<span class=\"_ _1\"></span>dier k<span class=\"_ _1\"></span>onsernet har<span class=\"_ _1\"></span> kunnskap<span class=\"_ _1\"></span> </span><span style=\"display:inherit;clear:left;\">om. Dersom det<span class=\"_ _1\"></span> ikke<span class=\"_ _1\"></span> har v<span class=\"_ _1\"></span>\u00e6rt nylig<span class=\"_ _1\"></span>e tran<span class=\"_ _1\"></span>saksjoner<span class=\"_ _2\"></span>, er v<span class=\"_ _1\"></span>erdier<span class=\"_ _1\"></span> </span><span style=\"display:inherit;clear:left;\">fast<span class=\"_ _8\"></span>satt m<span class=\"_ _8\"></span>ed ut<span class=\"_ _8\"></span>gan<span class=\"_ _8\"></span>gspu<span class=\"_ _8\"></span>nk<span class=\"_ _8\"></span>t i en kons<span class=\"_ _8\"></span>iste<span class=\"_ _8\"></span>nt </span><span style=\"display:inherit;clear:left;\">ver<span class=\"_ _1\"></span>dsettelses me<span class=\"_ _1\"></span>tode. </span><span style=\"display:inherit;clear:left;\">Rentederiv<span class=\"_ _1\"></span>at<span class=\"_ _1\"></span>er prises v<span class=\"_ _1\"></span>ed \u00e5 disk<span class=\"_ _1\"></span>ont<span class=\"_ _1\"></span>ere f<span class=\"_ _1\"></span>remtidig<span class=\"_ _1\"></span>e k<span class=\"_ _1\"></span>ontant<span class=\"_ _2\"></span>-</span><span style=\"display:inherit;clear:left;\">str\u00f8mmer med<span class=\"_ _1\"></span> kurver fr<span class=\"_ _1\"></span>a Bloomberg. V<span class=\"_ _1\"></span>er<span class=\"_ _1\"></span>dien rimelighets<span class=\"_ _1\"></span>-</span><span style=\"display:inherit;clear:left;\">vurder<span class=\"_ _1\"></span>es ved<span class=\"_ _1\"></span> sammenligning mot mo<span class=\"_ _1\"></span>tparten eller clearing<span class=\"_ _1\"></span>-</span><span style=\"display:inherit;clear:left;\">hus<span class=\"_ _8\"></span>ets verd<span class=\"_ _8\"></span>sett<span class=\"_ _8\"></span>else d<span class=\"_ _8\"></span>er de<span class=\"_ _8\"></span>t er mul<span class=\"_ _8\"></span>ig. </span><span style=\"display:inherit;clear:left;\">V<span class=\"_ _1\"></span>erdien<span class=\"_ _1\"></span> a<span class=\"_ _1\"></span>v f<span class=\"_ _1\"></span>astrent<span class=\"_ _1\"></span>eutl\u00e5nene estimer<span class=\"_ _1\"></span>es ved<span class=\"_ _1\"></span> \u00e5 disk<span class=\"_ _1\"></span>onter<span class=\"_ _1\"></span>e </span><span style=\"display:inherit;clear:left;\">kontan<span class=\"_ _1\"></span>tstr\u00f8mmene med<span class=\"_ _1\"></span> en risik<span class=\"_ _1\"></span>ojustert disk<span class=\"_ _1\"></span>onteri<span class=\"_ _1\"></span>ngsfaktor </span><span style=\"display:inherit;clear:left;\">som skal hen<span class=\"_ _1\"></span>synta mark<span class=\"_ _1\"></span>edsakt\u00f8renes pr<span class=\"_ _1\"></span>efer<span class=\"_ _1\"></span>anser<span class=\"_ _0\"></span>. Diskont<span class=\"_ _2\"></span>-</span><span style=\"display:inherit;clear:left;\">erings <span class=\"_ _4\"></span>faktoren ber<span class=\"_ _1\"></span>egnes basert p\u00e5 en observerbar sw<span class=\"_ _1\"></span>apren<span class=\"_ _1\"></span>te </span><span style=\"display:inherit;clear:left;\">tillag<span class=\"_ _8\"></span>t et<span class=\"_ _1\"></span> marginkrav<span class=\"_ _2\"></span>. V<span class=\"_ _1\"></span>ed estimering av<span class=\"_ _1\"></span> marginkrav<span class=\"_ _1\"></span>et ser </span><span style=\"display:inherit;clear:left;\">banken<span class=\"_ _1\"></span> hen til de<span class=\"_ _1\"></span> observerbare mark<span class=\"_ _1\"></span>edsr<span class=\"_ _1\"></span>entene<span class=\"_ _1\"></span> p\u00e5 tilsv<span class=\"_ _1\"></span>arende<span class=\"_ _1\"></span> </span><span style=\"display:inherit;clear:left;\">utl\u00e5n. Sw<span class=\"_ _1\"></span>apren<span class=\"_ _1\"></span>te-<span class=\"_ _1\"></span>elementet<span class=\"_ _1\"></span> i disk<span class=\"_ _1\"></span>onteri<span class=\"_ _1\"></span>ngsfaktor<span class=\"_ _1\"></span>en sving<span class=\"_ _1\"></span>er </span><span style=\"display:inherit;clear:left;\">kontin<span class=\"_ _1\"></span>uerlig, mens de observerbar<span class=\"_ _1\"></span>e mark<span class=\"_ _1\"></span>edsren<span class=\"_ _1\"></span>tene f<span class=\"_ _1\"></span>or </span><span style=\"display:inherit;clear:left;\">tilsvar<span class=\"_ _1\"></span>ende utl\u00e5n<span class=\"_ _1\"></span> ikke<span class=\"_ _1\"></span> endres li<span class=\"_ _1\"></span>ke h<span class=\"_ _1\"></span>yppig. Marginkra<span class=\"_ _1\"></span>v<span class=\"_ _1\"></span>et esti<span class=\"_ _1\"></span>-</span><span style=\"display:inherit;clear:left;\">meres derfor basert p\u00e5<span class=\"_ _1\"></span> differ<span class=\"_ _1\"></span>ansen mellom mark<span class=\"_ _1\"></span>edsren<span class=\"_ _1\"></span>tene og<span class=\"_ _1\"></span> </span><span style=\"display:inherit;clear:left;\">swapr<span class=\"_ _1\"></span>enten<span class=\"_ _1\"></span> over<span class=\"_ _1\"></span> en tidsperiode.</span><span style=\"display:inherit;clear:left;\">Tilbakekj\u00f8p<span class=\"_ _1\"></span> av<span class=\"_ _1\"></span> egne utstedt<span class=\"_ _1\"></span>e ver<span class=\"_ _1\"></span>dipapir<span class=\"_ _1\"></span>er netto<span class=\"_ _1\"></span>f\u00f8r<span class=\"_ _1\"></span>es mot<span class=\"_ _1\"></span> </span><span style=\"display:inherit;clear:left;\">ver<span class=\"_ _1\"></span>dipapirg<span class=\"_ _8\"></span>jeld i balansen<span class=\"_ _1\"></span> (<span class=\"_ _1\"></span>frar<span class=\"_ _1\"></span>egnes)<span class=\"_ _1\"></span>.</span><span style=\"display:inherit;clear:left;\">Realiserte gevin<span class=\"_ _1\"></span>ster<span class=\"_ _1\"></span>/<span class=\"_ _1\"></span>tap samt endring<span class=\"_ _1\"></span>er i<span class=\"_ _1\"></span> verd<span class=\"_ _1\"></span>ier p\u00e5 finansiel<span class=\"_ _1\"></span>le </span><span style=\"display:inherit;clear:left;\">instrumenter til virk<span class=\"_ _1\"></span>elig ver<span class=\"_ _1\"></span>di ov<span class=\"_ _1\"></span>er resulta<span class=\"_ _1\"></span>tet, inkludert utbytte, </span><span style=\"display:inherit;clear:left;\">vises i regnskapet under \u00abNetto g<span class=\"_ _1\"></span>evinst/(<span class=\"_ _1\"></span>tap<span class=\"_ _1\"></span>) p\u00e5 finansielle </span><span style=\"display:inherit;clear:left;\">instrumenter\u00bb i<span class=\"_ _1\"></span> den perioden de oppst\u00e5r<span class=\"_ _0\"></span>.</span><span style=\"display:inherit;clear:left;\">Finansielle instrumenter til virk<span class=\"_ _1\"></span>elig ver<span class=\"_ _1\"></span>di klassifiseres i ulik<span class=\"_ _1\"></span>e </span><span style=\"display:inherit;clear:left;\">niv\u00e5<span class=\"_ _8\"></span>er:</span><span style=\"display:inherit;clear:left;\">Niv\u00e5 1 </span><span style=\"display:inherit;clear:left;\">Finansielle ins<span class=\"_ _1\"></span>trumenter<span class=\"_ _1\"></span> som handles i aktive<span class=\"_ _1\"></span> markeder<span class=\"_ _1\"></span> </span><span style=\"display:inherit;clear:left;\">kla<span class=\"_ _8\"></span>ssi<span class=\"_ _8\"></span>fis<span class=\"_ _8\"></span>eres i n<span class=\"_ _8\"></span>iv\u00e5 1. Et marke<span class=\"_ _8\"></span>d er bet<span class=\"_ _8\"></span>rak<span class=\"_ _8\"></span>tet so<span class=\"_ _8\"></span>m ak<span class=\"_ _8\"></span>tiv<span class=\"_ _8\"></span>t der<span class=\"_ _8\"></span>som </span><span style=\"display:inherit;clear:left;\">markedskursene<span class=\"_ _1\"></span> er enk<span class=\"_ _1\"></span>elt og<span class=\"_ _1\"></span> regel<span class=\"_ _1\"></span>messig tilg<span class=\"_ _8\"></span>jengelige fr<span class=\"_ _1\"></span>a en<span class=\"_ _1\"></span> </span><span style=\"display:inherit;clear:left;\">b\u00f8rs, megler<span class=\"_ _2\"></span>, n\u00e6ringsgruppering, prissettingstjeneste eller </span><span style=\"display:inherit;clear:left;\">regulering<span class=\"_ _1\"></span>smyndighet, og<span class=\"_ _1\"></span> disse prisene r<span class=\"_ _1\"></span>epresent<span class=\"_ _1\"></span>erer<span class=\"_ _1\"></span> faktiske<span class=\"_ _1\"></span> </span><span style=\"display:inherit;clear:left;\">og reg<span class=\"_ _1\"></span>elmessige for<span class=\"_ _1\"></span>ekommende<span class=\"_ _1\"></span> markedstr<span class=\"_ _1\"></span>ansaksjoner<span class=\"_ _1\"></span> p\u00e5 </span><span style=\"display:inherit;clear:left;\">armlengdes a<span class=\"_ _1\"></span>vstand. Mark<span class=\"_ _1\"></span>edsprisen som<span class=\"_ _1\"></span> benyttes for<span class=\"_ _1\"></span> </span><span style=\"display:inherit;clear:left;\">finansielle eiendeler er<span class=\"_ _1\"></span> g<span class=\"_ _8\"></span>jeldende kj\u00f8pskurs. F<span class=\"_ _1\"></span>or<span class=\"_ _1\"></span> finansielle </span><span style=\"display:inherit;clear:left;\">forpliktelser ben<span class=\"_ _1\"></span>yttes g<span class=\"_ _8\"></span>jeldende salgskurs. Instrument<span class=\"_ _1\"></span>er </span><span style=\"display:inherit;clear:left;\">ink<span class=\"_ _8\"></span>lud<span class=\"_ _8\"></span>er<span class=\"_ _8\"></span>t i niv\u00e5 1 omfat<span class=\"_ _8\"></span>ter en<span class=\"_ _8\"></span>kelte ob<span class=\"_ _8\"></span>lig<span class=\"_ _8\"></span>asjo<span class=\"_ _8\"></span>ner s<span class=\"_ _8\"></span>amt </span><span style=\"display:inherit;clear:left;\">statssert<span class=\"_ _8\"></span>ifikat<span class=\"_ _1\"></span>er<span class=\"_ _2\"></span>.</span><span style=\"display:inherit;clear:left;\">Ni<span class=\"_ _8\"></span>v\u00e5 2</span><span style=\"display:inherit;clear:left;\">Virkelig ver<span class=\"_ _1\"></span>di a<span class=\"_ _1\"></span>v finansielle instrumenter som<span class=\"_ _1\"></span> ikke handles i e<span class=\"_ _1\"></span>t </span><span style=\"display:inherit;clear:left;\">ak<span class=\"_ _8\"></span>tiv<span class=\"_ _8\"></span>t ma<span class=\"_ _8\"></span>rked b<span class=\"_ _8\"></span>este<span class=\"_ _8\"></span>mme<span class=\"_ _8\"></span>s ved \u00e5 b<span class=\"_ _8\"></span>ruke verds<span class=\"_ _8\"></span>ette<span class=\"_ _8\"></span>lse<span class=\"_ _8\"></span>sme<span class=\"_ _8\"></span>tode<span class=\"_ _8\"></span>r<span class=\"_ _2\"></span>. </span><span style=\"display:inherit;clear:left;\">Disse ver<span class=\"_ _1\"></span>dsettelsesmetodene mak<span class=\"_ _1\"></span>simerer<span class=\"_ _1\"></span> bruken<span class=\"_ _1\"></span> av<span class=\"_ _1\"></span> </span><span style=\"display:inherit;clear:left;\">observerbare da<span class=\"_ _1\"></span>ta der de<span class=\"_ _1\"></span>t er tilgjengelig, og belager seg minst<span class=\"_ _1\"></span> </span><span style=\"display:inherit;clear:left;\">mul<span class=\"_ _8\"></span>ig p\u00e5 kon<span class=\"_ _8\"></span>ser<span class=\"_ _8\"></span>nets e<span class=\"_ _8\"></span>gn<span class=\"_ _8\"></span>e est<span class=\"_ _8\"></span>imater<span class=\"_ _1\"></span>. Ders<span class=\"_ _8\"></span>om al<span class=\"_ _8\"></span>le ves<span class=\"_ _8\"></span>entl<span class=\"_ _8\"></span>ige </span><span style=\"display:inherit;clear:left;\">data s<span class=\"_ _8\"></span>om kreve<span class=\"_ _8\"></span>s for \u00e5 fast<span class=\"_ _8\"></span>set<span class=\"_ _8\"></span>te vir<span class=\"_ _8\"></span>kelig ve<span class=\"_ _8\"></span>rdi av et inst<span class=\"_ _8\"></span>rum<span class=\"_ _8\"></span>ent </span><span style=\"display:inherit;clear:left;\">er ob<span class=\"_ _8\"></span>ser<span class=\"_ _8\"></span>ver<span class=\"_ _8\"></span>bare dat<span class=\"_ _8\"></span>a, er i<span class=\"_ _8\"></span>nst<span class=\"_ _8\"></span>rume<span class=\"_ _8\"></span>ntet in<span class=\"_ _8\"></span>klud<span class=\"_ _8\"></span>er<span class=\"_ _8\"></span>t i niv\u00e5 2<span class=\"_ _8\"></span>. </span><span style=\"display:inherit;clear:left;\">Ins<span class=\"_ _8\"></span>trum<span class=\"_ _8\"></span>enter i<span class=\"_ _8\"></span>nkl<span class=\"_ _8\"></span>ude<span class=\"_ _8\"></span>rt i n<span class=\"_ _8\"></span>iv\u00e5 2 omfatte<span class=\"_ _8\"></span>r \u00f8vri<span class=\"_ _8\"></span>ge ser<span class=\"_ _8\"></span>tif<span class=\"_ _8\"></span>ikate<span class=\"_ _8\"></span>r og </span><span style=\"display:inherit;clear:left;\">obligasjoner<span class=\"_ _1\"></span>,<span class=\"_ _1\"></span> finansielle derivat<span class=\"_ _1\"></span>er og samtlige finansielle </span><span style=\"display:inherit;clear:left;\">forpliktelser verdsa<span class=\"_ _1\"></span>tt til virkelig v<span class=\"_ _1\"></span>erdi. </span><span style=\"display:inherit;clear:left;\">Ni<span class=\"_ _8\"></span>v\u00e5 3</span><span style=\"display:inherit;clear:left;\">De<span class=\"_ _8\"></span>rsom e<span class=\"_ _8\"></span>n ell<span class=\"_ _8\"></span>er fl<span class=\"_ _8\"></span>ere vese<span class=\"_ _8\"></span>ntli<span class=\"_ _8\"></span>ge data i<span class=\"_ _8\"></span>kke er ba<span class=\"_ _8\"></span>ser<span class=\"_ _8\"></span>t p\u00e5 </span><span style=\"display:inherit;clear:left;\">observerbar markedsin<span class=\"_ _1\"></span>formasjon,<span class=\"_ _1\"></span> er instrumen<span class=\"_ _1\"></span>tet<span class=\"_ _1\"></span> inkludert i </span><span style=\"display:inherit;clear:left;\">niv\u00e5<span class=\"_ _1\"></span> 3. Ikk<span class=\"_ _1\"></span>e b\u00f8rsnot<span class=\"_ _1\"></span>erte egenkapitalinstrumen<span class=\"_ _1\"></span>ter er<span class=\"_ _1\"></span> </span><span style=\"display:inherit;clear:left;\">kla<span class=\"_ _8\"></span>ssi<span class=\"_ _8\"></span>fis<span class=\"_ _8\"></span>er<span class=\"_ _8\"></span>t und<span class=\"_ _8\"></span>er niv\u00e5 3 (se n<span class=\"_ _8\"></span>ote 26). Tilsvare<span class=\"_ _8\"></span>nde g<span class=\"_ _a\"></span>je<span class=\"_ _8\"></span>lde<span class=\"_ _8\"></span>r for </span><span style=\"display:inherit;clear:left;\">fast<span class=\"_ _8\"></span>renteut<span class=\"_ _8\"></span>l\u00e5n v<span class=\"_ _8\"></span>urder<span class=\"_ _8\"></span>t ti<span class=\"_ _8\"></span>l vir<span class=\"_ _8\"></span>kelig ve<span class=\"_ _8\"></span>rdi som f\u00f8<span class=\"_ _8\"></span>lge av at </span><span style=\"display:inherit;clear:left;\">marginkra<span class=\"_ _1\"></span>ve<span class=\"_ _1\"></span>t ikk<span class=\"_ _1\"></span>e er dir<span class=\"_ _1\"></span>ekte observerbart.</span><span style=\"display:inherit;clear:left;\">K<span class=\"_ _1\"></span>ONSERN</span><span style=\"display:inherit;clear:left;\">31/12<span class=\"_ _1\"></span>-2<span class=\"_ _1\"></span>0<span class=\"_ _1\"></span>23<span class=\"_ _1e3\"> </span><span class=\"ls138 ws1e5\">Note<span class=\"_ _94\"> </span></span>Niv<span class=\"_ _1\"></span>\u00e5 1<span class=\"_ _8e\"> </span>Niv\u00e5 2<span class=\"_ _189\"> </span>Niv\u00e5 3<span class=\"_ _108\"> </span>T<span class=\"_ _2\"></span>otalt</span><span style=\"display:inherit;clear:left;\">Eiendeler</span><span style=\"display:inherit;clear:left;\">Utl\u00e5n til kunder<span class=\"_ _1d2\"> </span>4<span class=\"_ _1e4\"> </span><span class=\"ls6 ws6\">2<span class=\"_ _8\"></span>0<span class=\"_ _8\"></span> 072<span class=\"_ _85\"> </span>2<span class=\"_ _8\"></span>0<span class=\"_ _8\"></span> 072</span></span><span style=\"display:inherit;clear:left;\">Aksjer <span class=\"_ _166\"> </span></span><span style=\"display:inherit;clear:left;\">4,26<span class=\"_ _e9\"> </span></span><span style=\"display:inherit;clear:left;\">386<span class=\"_ _1e5\"> </span><span class=\"ls140 ws1ee\">1<span class=\"_ _a\"></span>74<span class=\"_ _e9\"> </span><span class=\"ls82 ws14b\">560</span></span></span><span style=\"display:inherit;clear:left;\">Sertifika<span class=\"_ _1\"></span>ter og obligasjoner<span class=\"_ _1e6\"> </span><span class=\"ls146 ws1f6\">4<span class=\"_ _8\"></span>,1<span class=\"_ _38\"></span>9<span class=\"_ _6b\"> </span></span>10 8<span class=\"_ _1\"></span>94<span class=\"_ _cd\"> </span><span class=\"ls120 ws1cb\">25 666<span class=\"_ _2b\"> </span><span class=\"ls12c ws1d6\">36 5<span class=\"_ _8\"></span>60</span></span></span><span style=\"display:inherit;clear:left;\">Finansielle deriv<span class=\"_ _1\"></span>a<span class=\"_ _1\"></span>ter<span class=\"_ _1e7\"> </span></span><span style=\"display:inherit;clear:left;\">4<span class=\"_ _8\"></span>,<span class=\"_ _8\"></span>24<span class=\"_ _16b\"> </span><span class=\"ls31 ws81\">3<span class=\"_ _8\"></span> 457<span class=\"_ _16b\"> </span>3<span class=\"_ _8\"></span> 4<span class=\"_ _8\"></span>57</span></span><span style=\"display:inherit;clear:left;\">Finansielle deriv<span class=\"_ _1\"></span>a<span class=\"_ _1\"></span>ter \u00f8r<span class=\"_ _1\"></span>emerk<span class=\"_ _1\"></span>et f<span class=\"_ _1\"></span>or sikringsbokf<span class=\"_ _1\"></span>\u00f8ring<span class=\"_ _50\"> </span><span class=\"ls83 wsdd\">4,<span class=\"_ _8\"></span>25<span class=\"_ _1e8\"> </span></span>1 944<span class=\"_ _16b\"> </span>1 944</span><span style=\"display:inherit;clear:left;\">T<span class=\"_ _0\"></span>otalt<span class=\"_ _1e9\"> </span>11 28<span class=\"_ _1\"></span>1<span class=\"_ _85\"> </span>31 06<span class=\"_ _1\"></span>7<span class=\"_ _90\"> </span><span class=\"ls6b wsc3\">20<span class=\"_ _8\"></span> 246<span class=\"_ _8a\"> </span><span class=\"ls8 ws8\">62<span class=\"_ _8\"></span> 593</span></span></span><span style=\"display:inherit;clear:left;\">Gjeld</span><span style=\"display:inherit;clear:left;\">Innskudd fr<span class=\"_ _1\"></span>a og gjeld til kunder<span class=\"_ _15b\"> </span></span><span style=\"display:inherit;clear:left;\">4,38<span class=\"_ _1d5\"> </span><span class=\"ls4a ws9d\">1<span class=\"_ _8\"></span> 8<span class=\"_ _8\"></span>24<span class=\"_ _1d5\"> </span>1<span class=\"_ _8\"></span> 8<span class=\"_ _8\"></span>24</span></span><span style=\"display:inherit;clear:left;\">Gjeld stift<span class=\"_ _1\"></span>et v<span class=\"_ _1\"></span>ed uts<span class=\"_ _1\"></span>tedelse a<span class=\"_ _2\"></span>v verdipapir<span class=\"_ _1\"></span>er<span class=\"_ _1ea\"> </span>4<span class=\"_ _2b\"> </span>58 22<span class=\"_ _2\"></span>4<span class=\"_ _2b\"> </span>58 22<span class=\"_ _1\"></span>4</span><span style=\"display:inherit;clear:left;\">Finansielle deriv<span class=\"_ _1\"></span>a<span class=\"_ _1\"></span>ter <span class=\"_ _179\"> </span></span><span style=\"display:inherit;clear:left;\">4<span class=\"_ _8\"></span>,<span class=\"_ _8\"></span>24<span class=\"_ _1ab\"> </span><span class=\"ls125 ws1cf\">1<span class=\"_ _8\"></span> 298<span class=\"_ _1ab\"> </span>1<span class=\"_ _8\"></span> 298</span></span><span style=\"display:inherit;clear:left;\">Finansielle deriv<span class=\"_ _1\"></span>a<span class=\"_ _1\"></span>ter \u00f8r<span class=\"_ _1\"></span>emerk<span class=\"_ _1\"></span>et f<span class=\"_ _1\"></span>or sikringsbokf<span class=\"_ _1\"></span>\u00f8ring<span class=\"_ _50\"> </span></span><span style=\"display:inherit;clear:left;\">4,<span class=\"_ _8\"></span>25<span class=\"_ _21\"> </span><span class=\"ls61 wsb5\">372<span class=\"_ _a9\"> </span>372</span></span><span style=\"display:inherit;clear:left;\">T<span class=\"_ _0\"></span>otalt<span class=\"_ _16e\"> </span>61 718<span class=\"_ _e8\"> </span>61 718</span><span style=\"display:inherit;clear:left;\">Utl\u00e5n til kunder<span class=\"_ _8e\"> </span>Aksjer</span><span style=\"display:inherit;clear:left;\">Finansielle instrumen<span class=\"_ _1\"></span>t<span class=\"_ _1\"></span>er ver<span class=\"_ _2\"></span>dsatt e<span class=\"_ _1\"></span>tt<span class=\"_ _1\"></span>er niv<span class=\"_ _1\"></span>\u00e5 3 pr<span class=\"_ _0\"></span>. 1/1-20<span class=\"_ _1\"></span>23<span class=\"_ _1c2\"> </span>22 840<span class=\"_ _9a\"> </span><span class=\"ls13f ws1ed\">183</span></span><span style=\"display:inherit;clear:left;\">Tilgang/kj\u00f8p<span class=\"_ _1eb\"> </span><span class=\"ls132 ws1de\">1<span class=\"_ _8\"></span> 873<span class=\"_ _48\"> </span></span>8</span><span style=\"display:inherit;clear:left;\">Salg/innfrielse/nedbe<span class=\"_ _1\"></span>taling<span class=\"_ _1ec\"> </span>-4 913<span class=\"_ _a1\"> </span><span class=\"ls6 ws6\">-1<span class=\"_ _8\"></span>3</span></span><span style=\"display:inherit;clear:left;\">\u00c5re<span class=\"_ _1\"></span>ts v<span class=\"_ _1\"></span>er<span class=\"_ _1\"></span>dir<span class=\"_ _1\"></span>egulering o<span class=\"_ _1\"></span>ver r<span class=\"_ _1\"></span>esulta<span class=\"_ _2\"></span>t<span class=\"_ _163\"> </span><span class=\"ls137 ws1e4\">272<span class=\"_ _118\"> </span><span class=\"ls120 ws1cb\">-4</span></span></span><span style=\"display:inherit;clear:left;\">Reklassifikasjon mellom niv<span class=\"_ _1\"></span>\u00e5 2 og 3<span class=\"_ _1ed\"> </span>0<span class=\"_ _13\"> </span>0</span><span style=\"display:inherit;clear:left;\">Finansielle instrumen<span class=\"_ _1\"></span>t<span class=\"_ _1\"></span>er ver<span class=\"_ _2\"></span>dsatt e<span class=\"_ _1\"></span>tt<span class=\"_ _1\"></span>er niv<span class=\"_ _1\"></span>\u00e5 3 pr<span class=\"_ _0\"></span>. 31/12-<span class=\"_ _1\"></span>20<span class=\"_ _1\"></span>23<span class=\"_ _1e4\"> </span><span class=\"ls61 wsb5\">20<span class=\"_ _8\"></span> 072<span class=\"_ _66\"> </span><span class=\"ls147 ws1f7\">1<span class=\"_ _a\"></span>74</span></span></span><span style=\"display:inherit;clear:left;\">En \u00f8kning i diskon<span class=\"_ _1\"></span>teringsr<span class=\"_ _1\"></span>en<span class=\"_ _1\"></span>t<span class=\"_ _1\"></span>en med 10 basispunkter f<span class=\"_ _1\"></span>or utl\u00e5n vur<span class=\"_ _1\"></span>dert til virkelig v<span class=\"_ _1\"></span>er<span class=\"_ _1\"></span>di, vil medf<span class=\"_ _1\"></span>\u00f8r<span class=\"_ _1\"></span>e en r<span class=\"_ _1\"></span>eduksjon i v<span class=\"_ _1\"></span>er<span class=\"_ _1\"></span>dien  </span><span style=\"display:inherit;clear:left;\">p\u00e5 42 millioner kr<span class=\"_ _1\"></span>oner<span class=\"_ _0\"></span>.</span><span style=\"display:inherit;clear:left;\">K<span class=\"_ _1\"></span>ONSERN</span><span style=\"display:inherit;clear:left;\">31/12-<span class=\"_ _1\"></span>2022<span class=\"_ _1d2\"> </span></span><span style=\"display:inherit;clear:left;\">Note<span class=\"_ _94\"> </span><span class=\"ls0 ws0\">Niv<span class=\"_ _1\"></span>\u00e5 1<span class=\"_ _8e\"> </span>Niv\u00e5 2<span class=\"_ _189\"> </span>Niv\u00e5 3<span class=\"_ _108\"> </span>T<span class=\"_ _2\"></span>otalt</span></span><span style=\"display:inherit;clear:left;\">Eiendeler</span><span style=\"display:inherit;clear:left;\">Utl\u00e5n til<span class=\"_ _1\"></span> kunder<span class=\"_ _1d3\"> </span><span class=\"ls0 ws0\">4<span class=\"_ _1cb\"> </span>22 840<span class=\"_ _89\"> </span>22 84<span class=\"_ _1\"></span>0</span></span><span style=\"display:inherit;clear:left;\">Aksjer <span class=\"_ _1d4\"> </span><span class=\"ls125 ws1cf\">4,<span class=\"_ _8\"></span>26<span class=\"_ _4a\"> </span><span class=\"ls0 ws0\">44<span class=\"_ _a9\"> </span><span class=\"ls13f ws1ed\">183<span class=\"_ _e9\"> </span></span></span>226</span></span><span style=\"display:inherit;clear:left;\">Sertifikater og<span class=\"_ _1\"></span> obligasjoner<span class=\"_ _34\"> </span></span><span style=\"display:inherit;clear:left;\">4<span class=\"_ _8\"></span>,1<span class=\"_ _a\"></span>9<span class=\"_ _94\"> </span><span class=\"ls0 ws0\">11 77<span class=\"_ _1\"></span>5<span class=\"_ _83\"> </span>19 04<span class=\"_ _1\"></span>9<span class=\"_ _2b\"> </span><span class=\"ls138 ws1e5\">30<span class=\"_ _8\"></span> 825</span></span></span><span style=\"display:inherit;clear:left;\">Finansielle deriv<span class=\"_ _1\"></span>at<span class=\"_ _1\"></span>er<span class=\"_ _179\"> </span></span><span style=\"display:inherit;clear:left;\">4,<span class=\"_ _8\"></span>24<span class=\"_ _1ab\"> </span><span class=\"ls109 ws16b\">1 28<span class=\"_ _8\"></span>0<span class=\"_ _1d5\"> </span>1 28<span class=\"_ _8\"></span>0</span></span><span style=\"display:inherit;clear:left;\">Finansielle deriv<span class=\"_ _1\"></span>at<span class=\"_ _1\"></span>er \u00f8r<span class=\"_ _1\"></span>emerket<span class=\"_ _1\"></span> for<span class=\"_ _1\"></span> sikringsbokf\u00f8ring<span class=\"_ _62\"> </span></span><span style=\"display:inherit;clear:left;\">4,25<span class=\"_ _1d5\"> </span><span class=\"ls0 ws0\">1 296<span class=\"_ _1d5\"> </span>1 296</span></span><span style=\"display:inherit;clear:left;\">To<span class=\"_ _8\"></span>t<span class=\"_ _a\"></span>a<span class=\"_ _8\"></span>l<span class=\"_ _a\"></span>t<span class=\"_ _1d6\"> </span></span><span style=\"display:inherit;clear:left;\">11 819<span class=\"_ _87\"> </span>21 624<span class=\"_ _89\"> </span><span class=\"ls133 ws1e0\">23 023<span class=\"_ _90\"> </span><span class=\"ls108 ws16a\">56 466</span></span></span><span style=\"display:inherit;clear:left;\">Gjeld</span><span style=\"display:inherit;clear:left;\">Inn<span class=\"_ _8\"></span>skud<span class=\"_ _8\"></span>d fra og g<span class=\"_ _a\"></span>jel<span class=\"_ _8\"></span>d til k<span class=\"_ _8\"></span>und<span class=\"_ _8\"></span>er<span class=\"_ _1d7\"> </span></span><span style=\"display:inherit;clear:left;\">4,38<span class=\"_ _21\"> </span><span class=\"ls4a ws9d\">576<span class=\"_ _21\"> </span>576</span></span><span style=\"display:inherit;clear:left;\">Gjeld stiftet<span class=\"_ _1\"></span> ved u<span class=\"_ _1\"></span>tstedelse a<span class=\"_ _1\"></span>v v<span class=\"_ _1\"></span>erdipapir<span class=\"_ _1\"></span>er<span class=\"_ _1d8\"> </span></span><span style=\"display:inherit;clear:left;\">4<span class=\"_ _1d9\"> </span><span class=\"ls8 ws8\">46<span class=\"_ _8\"></span> 042<span class=\"_ _cf\"> </span>46<span class=\"_ _8\"></span> 042</span></span><span style=\"display:inherit;clear:left;\">Finansielle deriv<span class=\"_ _1\"></span>at<span class=\"_ _1\"></span>er <span class=\"_ _1da\"> </span></span><span style=\"display:inherit;clear:left;\">4<span class=\"_ _8\"></span>,<span class=\"_ _8\"></span>24<span class=\"_ _1db\"> </span><span class=\"lsfc ws15e\">1<span class=\"_ _8\"></span> 792<span class=\"_ _1db\"> </span>1<span class=\"_ _8\"></span> 792</span></span><span style=\"display:inherit;clear:left;\">Finansielle deriv<span class=\"_ _1\"></span>at<span class=\"_ _1\"></span>er \u00f8r<span class=\"_ _1\"></span>emerket<span class=\"_ _1\"></span> for<span class=\"_ _1\"></span> sikringsbokf\u00f8ring<span class=\"_ _62\"> </span></span><span style=\"display:inherit;clear:left;\">4,25<span class=\"_ _a9\"> </span><span class=\"ls12c ws1d6\">130<span class=\"_ _a9\"> </span>130</span></span><span style=\"display:inherit;clear:left;\">To<span class=\"_ _8\"></span>t<span class=\"_ _a\"></span>a<span class=\"_ _8\"></span>l<span class=\"_ _a\"></span>t<span class=\"_ _1dc\"> </span><span class=\"ls0 ws0\">48 540<span class=\"_ _4e\"> </span>48 540</span></span><span style=\"display:inherit;clear:left;\">Utl\u00e5n til kunder<span class=\"_ _8e\"> </span>Aksjer</span><span style=\"display:inherit;clear:left;\">Finansielle inst<span class=\"_ _1\"></span>rumenter v<span class=\"_ _1\"></span>erdsa<span class=\"_ _1\"></span>tt ett<span class=\"_ _1\"></span>er niv<span class=\"_ _1\"></span>\u00e5 3<span class=\"_ _1\"></span> pr<span class=\"_ _2\"></span>. 1/1-<span class=\"_ _2\"></span>2022<span class=\"_ _1dd\"> </span><span class=\"ls8 ws8\">27 6<span class=\"_ _8\"></span>67<span class=\"_ _10\"> </span><span class=\"ls0 ws0\">217</span></span></span><span style=\"display:inherit;clear:left;\">Tilgang/<span class=\"_ _8\"></span>kj\u00f8p<span class=\"_ _1de\"> </span><span class=\"ls0 ws0\">2 063<span class=\"_ _9d\"> </span><span class=\"ls109 ws16b\">28</span></span></span><span style=\"display:inherit;clear:left;\">Salg<span class=\"_ _8\"></span>/innfrielse/nedbetaling<span class=\"_ _1df\"> </span><span class=\"ls0 ws0\">-6 312<span class=\"_ _66\"> </span><span class=\"ls125 ws1cf\">-29</span></span></span><span style=\"display:inherit;clear:left;\">\u00c5rets v<span class=\"_ _1\"></span>erdi<span class=\"_ _1\"></span>regulering<span class=\"_ _1\"></span> ov<span class=\"_ _1\"></span>er r<span class=\"_ _1\"></span>esultat<span class=\"_ _1e0\"> </span><span class=\"lsfc ws15e\">-5<span class=\"_ _8\"></span>79<span class=\"_ _66\"> </span><span class=\"ls84 wsdf\">-3<span class=\"_ _8\"></span>3</span></span></span><span style=\"display:inherit;clear:left;\">Reklassifikasjon mellom<span class=\"_ _1\"></span> niv\u00e5<span class=\"_ _1\"></span> 2 og<span class=\"_ _1\"></span> 3<span class=\"_ _1e1\"> </span><span class=\"ls0 ws0\">0<span class=\"_ _13\"> </span>0</span></span><span style=\"display:inherit;clear:left;\">Finansielle inst<span class=\"_ _1\"></span>rumenter v<span class=\"_ _1\"></span>erdsa<span class=\"_ _1\"></span>tt ett<span class=\"_ _1\"></span>er niv<span class=\"_ _1\"></span>\u00e5 3<span class=\"_ _1\"></span> pr<span class=\"_ _2\"></span>. 31/12<span class=\"_ _2\"></span>-2<span class=\"_ _1\"></span>022<span class=\"_ _1e2\"> </span><span class=\"ls0 ws0\">22 840<span class=\"_ _9a\"> </span><span class=\"ls13f ws1ed\">183</span></span></span><span style=\"display:inherit;clear:left;\">En \u00f8k<span class=\"_ _8\"></span>ning i d<span class=\"_ _8\"></span>iskont<span class=\"_ _8\"></span>erin<span class=\"_ _8\"></span>gsrente<span class=\"_ _8\"></span>n med 1<span class=\"_ _8\"></span>0 bas<span class=\"_ _8\"></span>ispu<span class=\"_ _8\"></span>nk<span class=\"_ _8\"></span>ter for ut<span class=\"_ _8\"></span>l\u00e5n v<span class=\"_ _8\"></span>urder<span class=\"_ _8\"></span>t ti<span class=\"_ _8\"></span>l vir<span class=\"_ _8\"></span>kelig ve<span class=\"_ _8\"></span>rdi, vi<span class=\"_ _8\"></span>l med<span class=\"_ _8\"></span>f\u00f8re en red<span class=\"_ _8\"></span>uksjo<span class=\"_ _8\"></span>n  </span><span style=\"display:inherit;clear:left;\">i ver<span class=\"_ _1\"></span>dien p\u00e5<span class=\"_ _1\"></span> 66 millioner<span class=\"_ _1\"></span> kroner<span class=\"_ _0\"></span>.</span><span style=\"display:inherit;clear:left;\">MORBANK</span><span style=\"display:inherit;clear:left;\">31/12<span class=\"_ _1\"></span>-2<span class=\"_ _1\"></span>0<span class=\"_ _1\"></span>23<span class=\"_ _1e3\"> </span><span class=\"ls138 ws1e5\">Note<span class=\"_ _94\"> </span></span>Niv<span class=\"_ _1\"></span>\u00e5 1<span class=\"_ _8e\"> </span>Niv\u00e5 2<span class=\"_ _189\"> </span>Niv\u00e5 3<span class=\"_ _108\"> </span>T<span class=\"_ _2\"></span>otalt</span><span style=\"display:inherit;clear:left;\">Eiendeler</span><span style=\"display:inherit;clear:left;\">Utl\u00e5n til kunder<span class=\"_ _1d2\"> </span>4<span class=\"_ _30\"> </span><span class=\"ls31 ws81\">4<span class=\"_ _8\"></span> 591<span class=\"_ _1b\"> </span>4 59<span class=\"_ _8\"></span>1</span></span><span style=\"display:inherit;clear:left;\">Aksjer <span class=\"_ _166\"> </span></span><span style=\"display:inherit;clear:left;\">4,26<span class=\"_ _e9\"> </span></span><span style=\"display:inherit;clear:left;\">386<span class=\"_ _1e5\"> </span><span class=\"ls12f ws1d9\">1<span class=\"_ _8\"></span>73<span class=\"_ _e9\"> </span><span class=\"ls31 ws81\">5<span class=\"_ _8\"></span>59</span></span></span><span style=\"display:inherit;clear:left;\">Sertifika<span class=\"_ _1\"></span>ter og obligasjoner<span class=\"_ _1e6\"> </span></span><span style=\"display:inherit;clear:left;\">4<span class=\"_ _8\"></span>,1<span class=\"_ _38\"></span>9<span class=\"_ _74\"> </span><span class=\"ls13e ws1ec\">9<span class=\"_ _a\"></span> 9<span class=\"_ _8\"></span>47<span class=\"_ _83\"> </span></span></span><span style=\"display:inherit;clear:left;\">23 968<span class=\"_ _16f\"> </span>33 9<span class=\"_ _1\"></span>15</span><span style=\"display:inherit;clear:left;\">Finansielle deriv<span class=\"_ _1\"></span>a<span class=\"_ _1\"></span>ter<span class=\"_ _1e7\"> </span></span><span style=\"display:inherit;clear:left;\">4<span class=\"_ _8\"></span>,<span class=\"_ _8\"></span>24<span class=\"_ _b4\"> </span><span class=\"ls82 ws14b\">4 608<span class=\"_ _b4\"> </span>4 608</span></span><span style=\"display:inherit;clear:left;\">T<span class=\"_ _0\"></span>otalt<span class=\"_ _1ee\"> </span><span class=\"lsf wsf\">10 333<span class=\"_ _87\"> </span></span>28 577<span class=\"_ _86\"> </span>4 764<span class=\"_ _89\"> </span>43 6<span class=\"_ _1\"></span>7<span class=\"_ _1\"></span>3</span><span style=\"display:inherit;clear:left;\">Gjeld</span><span style=\"display:inherit;clear:left;\">Innskudd fr<span class=\"_ _1\"></span>a og gjeld til kunder<span class=\"_ _15b\"> </span></span><span style=\"display:inherit;clear:left;\">4,38<span class=\"_ _1d5\"> </span><span class=\"ls4a ws9d\">1<span class=\"_ _8\"></span> 8<span class=\"_ _8\"></span>24<span class=\"_ _1d5\"> </span>1<span class=\"_ _8\"></span> 8<span class=\"_ _8\"></span>24</span></span><span style=\"display:inherit;clear:left;\">Gjeld stift<span class=\"_ _1\"></span>et v<span class=\"_ _1\"></span>ed uts<span class=\"_ _1\"></span>tedelse a<span class=\"_ _2\"></span>v verdipapir<span class=\"_ _1\"></span>er<span class=\"_ _1d1\"> </span><span class=\"ls136 ws1e3\">4,<span class=\"_ _8\"></span>39<span class=\"_ _16f\"> </span></span>10 27<span class=\"_ _0\"></span>4<span class=\"_ _16f\"> </span>10 27<span class=\"_ _0\"></span>4</span><span style=\"display:inherit;clear:left;\">Finansielle deriv<span class=\"_ _1\"></span>a<span class=\"_ _1\"></span>ter <span class=\"_ _179\"> </span></span><span style=\"display:inherit;clear:left;\">4<span class=\"_ _8\"></span>,<span class=\"_ _8\"></span>24<span class=\"_ _1f\"> </span><span class=\"ls133 ws1e0\">4 540<span class=\"_ _e1\"> </span>4 540</span></span><span style=\"display:inherit;clear:left;\">T<span class=\"_ _0\"></span>otalt<span class=\"_ _1ef\"> </span>16 63<span class=\"_ _1\"></span>7<span class=\"_ _1f0\"> </span>16 63<span class=\"_ _1\"></span>7</span><span style=\"display:inherit;clear:left;\">Utl\u00e5n til kunder<span class=\"_ _8e\"> </span>Aksjer</span><span style=\"display:inherit;clear:left;\">Finansielle instrumen<span class=\"_ _1\"></span>t<span class=\"_ _1\"></span>er v<span class=\"_ _1\"></span>erdsa<span class=\"_ _2\"></span>tt ett<span class=\"_ _1\"></span>er niv<span class=\"_ _1\"></span>\u00e5 3 pr<span class=\"_ _0\"></span>. 1/1-20<span class=\"_ _1\"></span>23<span class=\"_ _1f1\"> </span><span class=\"ls61 wsb5\">4<span class=\"_ _8\"></span> 797<span class=\"_ _92\"> </span><span class=\"ls13f ws1ed\">183</span></span></span><span style=\"display:inherit;clear:left;\">Tilgang/kj\u00f8p<span class=\"_ _1f2\"> </span><span class=\"ls31 ws81\">2 75<span class=\"_ _8\"></span>1<span class=\"_ _48\"> </span></span>7</span><span style=\"display:inherit;clear:left;\">Salg/innfrielse/nedbe<span class=\"_ _1\"></span>taling<span class=\"_ _167\"> </span><span class=\"ls84 wsdf\">-3<span class=\"_ _8\"></span> 038<span class=\"_ _10\"> </span><span class=\"ls120 ws1cb\">-43</span></span></span><span style=\"display:inherit;clear:left;\">\u00c5re<span class=\"_ _1\"></span>ts v<span class=\"_ _1\"></span>er<span class=\"_ _1\"></span>dir<span class=\"_ _1\"></span>egulering o<span class=\"_ _1\"></span>ver r<span class=\"_ _1\"></span>esulta<span class=\"_ _2\"></span>t<span class=\"_ _1f3\"> </span><span class=\"ls82 ws14b\">81<span class=\"_ _9d\"> </span><span class=\"ls125 ws1cf\">26</span></span></span><span style=\"display:inherit;clear:left;\">Reklassifikasjon mellom niv<span class=\"_ _1\"></span>\u00e5 2 og 3<span class=\"_ _1ed\"> </span>0<span class=\"_ _13\"> </span>0</span><span style=\"display:inherit;clear:left;\">Finansielle instrumen<span class=\"_ _1\"></span>t<span class=\"_ _1\"></span>er ver<span class=\"_ _2\"></span>dsatt e<span class=\"_ _1\"></span>tt<span class=\"_ _1\"></span>er niv<span class=\"_ _1\"></span>\u00e5 3 pr<span class=\"_ _0\"></span>. 31/12-<span class=\"_ _1\"></span>20<span class=\"_ _1\"></span>23<span class=\"_ _30\"> </span><span class=\"ls8 ws8\">4<span class=\"_ _8\"></span> 591<span class=\"_ _66\"> </span><span class=\"ls12f ws1d9\">1<span class=\"_ _8\"></span>73</span></span></span><span style=\"display:inherit;clear:left;\">En \u00f8kning i diskon<span class=\"_ _1\"></span>teringsr<span class=\"_ _1\"></span>en<span class=\"_ _1\"></span>t<span class=\"_ _1\"></span>en med 10 basispunkter f<span class=\"_ _1\"></span>or utl\u00e5n vur<span class=\"_ _1\"></span>dert til virkelig v<span class=\"_ _1\"></span>er<span class=\"_ _1\"></span>di, vil medf<span class=\"_ _1\"></span>\u00f8r<span class=\"_ _1\"></span>e en r<span class=\"_ _1\"></span>eduksjon i v<span class=\"_ _1\"></span>er<span class=\"_ _1\"></span>dien  </span><span style=\"display:inherit;clear:left;\">p\u00e5 12 millioner kroner<span class=\"_ _0\"></span>.</span><span style=\"display:inherit;clear:left;\">MORBANK</span><span style=\"display:inherit;clear:left;\">31/12-<span class=\"_ _1\"></span>2022<span class=\"_ _1d2\"> </span></span><span style=\"display:inherit;clear:left;\">Note<span class=\"_ _94\"> </span><span class=\"ls0 ws0\">Niv<span class=\"_ _1\"></span>\u00e5 1<span class=\"_ _8e\"> </span>Niv\u00e5 2<span class=\"_ _189\"> </span>Niv\u00e5 3<span class=\"_ _108\"> </span>T<span class=\"_ _2\"></span>otalt</span></span><span style=\"display:inherit;clear:left;\">Eiendeler</span><span style=\"display:inherit;clear:left;\">Utl\u00e5n til<span class=\"_ _1\"></span> kunder<span class=\"_ _1d3\"> </span></span><span style=\"display:inherit;clear:left;\">4<span class=\"_ _1f4\"> </span><span class=\"ls6 ws6\">4<span class=\"_ _8\"></span> 7<span class=\"_ _8\"></span>97<span class=\"_ _5d\"> </span>4<span class=\"_ _8\"></span> 797</span></span><span style=\"display:inherit;clear:left;\">Aksjer <span class=\"_ _1d4\"> </span><span class=\"ls125 ws1cf\">4,<span class=\"_ _8\"></span>26<span class=\"_ _4a\"> </span><span class=\"ls0 ws0\">44<span class=\"_ _a9\"> </span><span class=\"ls13f ws1ed\">183<span class=\"_ _e9\"> </span></span></span>226</span></span><span style=\"display:inherit;clear:left;\">Sertifikater og<span class=\"_ _1\"></span> obligasjoner<span class=\"_ _34\"> </span></span><span style=\"display:inherit;clear:left;\">4<span class=\"_ _8\"></span>,1<span class=\"_ _a\"></span>9<span class=\"_ _6e\"> </span><span class=\"ls0 ws0\">11 239<span class=\"_ _83\"> </span>19 4<span class=\"_ _1\"></span>09<span class=\"_ _cf\"> </span>30 648</span></span><span style=\"display:inherit;clear:left;\">Finansielle deriv<span class=\"_ _1\"></span>at<span class=\"_ _1\"></span>er<span class=\"_ _179\"> </span></span><span style=\"display:inherit;clear:left;\">4,<span class=\"_ _8\"></span>24<span class=\"_ _b4\"> </span><span class=\"ls135 ws1e2\">4<span class=\"_ _8\"></span> 894<span class=\"_ _b4\"> </span>4 89<span class=\"_ _8\"></span>4</span></span><span style=\"display:inherit;clear:left;\">To<span class=\"_ _8\"></span>t<span class=\"_ _a\"></span>a<span class=\"_ _8\"></span>l<span class=\"_ _a\"></span>t<span class=\"_ _1f5\"> </span></span><span style=\"display:inherit;clear:left;\">11 283<span class=\"_ _90\"> </span></span><span style=\"display:inherit;clear:left;\">24<span class=\"_ _8\"></span> 30<span class=\"_ _8\"></span>3<span class=\"_ _86\"> </span><span class=\"ls82 ws14b\">4 980<span class=\"_ _90\"> </span><span class=\"ls108 ws16a\">40 566</span></span></span><span style=\"display:inherit;clear:left;\">Gjeld</span><span style=\"display:inherit;clear:left;\">Inn<span class=\"_ _8\"></span>skud<span class=\"_ _8\"></span>d fra og g<span class=\"_ _a\"></span>jel<span class=\"_ _8\"></span>d til k<span class=\"_ _8\"></span>und<span class=\"_ _8\"></span>er<span class=\"_ _1d7\"> </span></span><span style=\"display:inherit;clear:left;\">4,38<span class=\"_ _21\"> </span><span class=\"ls4a ws9d\">576<span class=\"_ _21\"> </span>576</span></span><span style=\"display:inherit;clear:left;\">Gjeld stiftet<span class=\"_ _1\"></span> ved u<span class=\"_ _1\"></span>tstedelse a<span class=\"_ _1\"></span>v v<span class=\"_ _1\"></span>erdipapir<span class=\"_ _1\"></span>er<span class=\"_ _23\"> </span><span class=\"ls136 ws1e3\">4,<span class=\"_ _8\"></span>39<span class=\"_ _1e8\"> </span>8 239<span class=\"_ _1e8\"> </span>8 239</span></span><span style=\"display:inherit;clear:left;\">Finansielle deriv<span class=\"_ _1\"></span>at<span class=\"_ _1\"></span>er <span class=\"_ _1da\"> </span></span><span style=\"display:inherit;clear:left;\">4<span class=\"_ _8\"></span>,<span class=\"_ _8\"></span>24<span class=\"_ _1e8\"> </span><span class=\"ls6 ws6\">2<span class=\"_ _8\"></span> 5<span class=\"_ _8\"></span>07<span class=\"_ _29\"> </span>2<span class=\"_ _a\"></span> 5<span class=\"_ _8\"></span>07</span></span><span style=\"display:inherit;clear:left;\">To<span class=\"_ _8\"></span>t<span class=\"_ _a\"></span>a<span class=\"_ _8\"></span>l<span class=\"_ _a\"></span>t<span class=\"_ _16e\"> </span><span class=\"ls0 ws0\">11 3<span class=\"_ _1\"></span>22<span class=\"_ _e8\"> </span>11 3<span class=\"_ _1\"></span>22</span></span><span style=\"display:inherit;clear:left;\">Utl\u00e5n til kunder<span class=\"_ _8e\"> </span>Aksjer</span><span style=\"display:inherit;clear:left;\">Finansielle instrumen<span class=\"_ _1\"></span>ter v<span class=\"_ _1\"></span>erdsa<span class=\"_ _1\"></span>tt ett<span class=\"_ _1\"></span>er niv<span class=\"_ _1\"></span>\u00e5 3<span class=\"_ _1\"></span> pr<span class=\"_ _2\"></span>. 1/1-<span class=\"_ _2\"></span>2022<span class=\"_ _1a5\"> </span><span class=\"ls82 ws14b\">5 860<span class=\"_ _10\"> </span><span class=\"ls0 ws0\">217</span></span></span><span style=\"display:inherit;clear:left;\">Tilgang/<span class=\"_ _8\"></span>kj\u00f8p<span class=\"_ _1f6\"> </span><span class=\"ls138 ws1e5\">826<span class=\"_ _97\"> </span><span class=\"ls109 ws16b\">28</span></span></span><span style=\"display:inherit;clear:left;\">Salg<span class=\"_ _8\"></span>/innfrielse/nedbetaling<span class=\"_ _167\"> </span><span class=\"ls0 ws0\">-<span class=\"_ _1\"></span>1 77<span class=\"_ _2\"></span>8<span class=\"_ _66\"> </span><span class=\"ls125 ws1cf\">-29</span></span></span><span style=\"display:inherit;clear:left;\">\u00c5rets v<span class=\"_ _1\"></span>erdi<span class=\"_ _1\"></span>regulering<span class=\"_ _1\"></span> ov<span class=\"_ _1\"></span>er r<span class=\"_ _1\"></span>esultat<span class=\"_ _1f7\"> </span><span class=\"ls0 ws0\">-<span class=\"_ _1\"></span>110<span class=\"_ _66\"> </span><span class=\"ls84 wsdf\">-33</span></span></span><span style=\"display:inherit;clear:left;\">Rek<span class=\"_ _8\"></span>las<span class=\"_ _8\"></span>sifi<span class=\"_ _8\"></span>kasj<span class=\"_ _8\"></span>on me<span class=\"_ _8\"></span>llo<span class=\"_ _8\"></span>m niv\u00e5 2 og 3 <span class=\"_ _1f8\"> </span>0<span class=\"_ _13\"> </span>0</span><span style=\"display:inherit;clear:left;\">Finansielle instrumen<span class=\"_ _1\"></span>ter v<span class=\"_ _1\"></span>erdsa<span class=\"_ _1\"></span>tt ett<span class=\"_ _1\"></span>er niv<span class=\"_ _1\"></span>\u00e5 3<span class=\"_ _1\"></span> pr<span class=\"_ _2\"></span>. 31/12<span class=\"_ _2\"></span>-2<span class=\"_ _1\"></span>022<span class=\"_ _1cb\"> </span><span class=\"ls61 wsb5\">4<span class=\"_ _8\"></span> 7<span class=\"_ _8\"></span>97<span class=\"_ _10\"> </span><span class=\"ls13f ws1ed\">183</span></span></span><span style=\"display:inherit;clear:left;\">En \u00f8k<span class=\"_ _8\"></span>ning i d<span class=\"_ _8\"></span>iskont<span class=\"_ _8\"></span>erin<span class=\"_ _8\"></span>gsrente<span class=\"_ _8\"></span>n med 1<span class=\"_ _8\"></span>0 bas<span class=\"_ _8\"></span>ispu<span class=\"_ _8\"></span>nk<span class=\"_ _8\"></span>ter for ut<span class=\"_ _8\"></span>l\u00e5n v<span class=\"_ _8\"></span>urder<span class=\"_ _8\"></span>t ti<span class=\"_ _8\"></span>l vir<span class=\"_ _8\"></span>kelig ve<span class=\"_ _8\"></span>rdi, vi<span class=\"_ _8\"></span>l med<span class=\"_ _8\"></span>f\u00f8re en red<span class=\"_ _8\"></span>uksjo<span class=\"_ _8\"></span>n i verdie<span class=\"_ _8\"></span>n  </span><span style=\"display:inherit;clear:left;\">p\u00e5 15<span class=\"_ _1\"></span> millioner<span class=\"_ _1\"></span> kroner<span class=\"_ _0\"></span>.</span><span style=\"display:inherit;clear:left;\">N<span class=\"_ _1\"></span>o<span class=\"_ _1\"></span>t<span class=\"_ _1\"></span>e 7 F<span class=\"_ _1\"></span>ina<span class=\"_ _1\"></span>ns<span class=\"_ _1\"></span>i<span class=\"_ _1\"></span>e<span class=\"_ _1\"></span>ll ris<span class=\"_ _1\"></span>ik<span class=\"_ _2\"></span>ostyring<span class=\"_ _1\"></span> </span><span style=\"display:inherit;clear:left;\">Risiko- og k<span class=\"_ _1\"></span>apitalstyring</span><span style=\"display:inherit;clear:left;\">God risiko- og kapitals<span class=\"_ _1\"></span>tyring er e<span class=\"_ _1\"></span>t sentr<span class=\"_ _1\"></span>alt s<span class=\"_ _1\"></span>tr<span class=\"_ _1\"></span>a<span class=\"_ _1\"></span>tegisk virkemiddel </span><span style=\"display:inherit;clear:left;\">i Sparebank<span class=\"_ _1\"></span>en V<span class=\"_ _2\"></span>ests v<span class=\"_ _1\"></span>erdisk<span class=\"_ _1\"></span>apning. God risiko- og kapitals<span class=\"_ _1\"></span>tyring </span><span style=\"display:inherit;clear:left;\">bidrar til l\u00f8nnsomhe<span class=\"_ _1\"></span>t og tilfr<span class=\"_ _1\"></span>edss<span class=\"_ _1\"></span>tillende r<span class=\"_ _1\"></span>a<span class=\"_ _1\"></span>ting slik a<span class=\"_ _1\"></span>t bank<span class=\"_ _1\"></span>en har </span><span style=\"display:inherit;clear:left;\">god tilgang til kapit<span class=\"_ _1\"></span>almarkede<span class=\"_ _1\"></span>t. F<span class=\"_ _2\"></span>or f<span class=\"_ _8\"></span>yldig inf<span class=\"_ _1\"></span>ormasjon om </span><span style=\"display:inherit;clear:left;\">risiko- og kapitals<span class=\"_ _1\"></span>tyringen vises de<span class=\"_ _1\"></span>t til Pilar 3-ma<span class=\"_ _2\"></span>terialet p\u00e5 </span><span style=\"display:inherit;clear:left;\">bankens hjemmeside.</span><span style=\"display:inherit;clear:left;\">Sparebank<span class=\"_ _1\"></span>en V<span class=\"_ _2\"></span>est har etablert egne risik<span class=\"_ _1\"></span>ostr<span class=\"_ _1\"></span>a<span class=\"_ _1\"></span>t<span class=\"_ _1\"></span>egier som </span><span style=\"display:inherit;clear:left;\">konkr<span class=\"_ _1\"></span>e<span class=\"_ _1\"></span>tiser<span class=\"_ _1\"></span>er styringsm\u00e5l og r<span class=\"_ _1\"></span>ammer f<span class=\"_ _1\"></span>or de<span class=\"_ _1\"></span>t enkelt<span class=\"_ _1\"></span>e risiko-</span><span style=\"display:inherit;clear:left;\">omr\u00e5<span class=\"_ _1\"></span>det, og v<span class=\"_ _1\"></span>edtas a<span class=\"_ _1\"></span>v s<span class=\"_ _1\"></span>tyr<span class=\"_ _1\"></span>et. Disse s<span class=\"_ _1\"></span>tr<span class=\"_ _1\"></span>a<span class=\"_ _1\"></span>tegiene r<span class=\"_ _1\"></span>evur<span class=\"_ _1\"></span>der<span class=\"_ _1\"></span>es mins<span class=\"_ _1\"></span>t </span><span style=\"display:inherit;clear:left;\">\u00e5rlig i sammenheng med bankens \u00f8<span class=\"_ _1\"></span>vrig<span class=\"_ _1\"></span>e planproses<span class=\"_ _1\"></span>s. Styrings<span class=\"_ _1\"></span>-</span><span style=\"display:inherit;clear:left;\">m\u00e5l og rammer sk<span class=\"_ _1\"></span>al bidr<span class=\"_ _1\"></span>a til \u00e5 sikre bank<span class=\"_ _1\"></span>ens l\u00f8nnsomhe<span class=\"_ _1\"></span>t, </span><span style=\"display:inherit;clear:left;\">solidite<span class=\"_ _1\"></span>t og likvidite<span class=\"_ _1\"></span>t p\u00e5 k<span class=\"_ _1\"></span>ort og lang sikt. </span><span style=\"display:inherit;clear:left;\">Styr<span class=\"_ _1\"></span>e<span class=\"_ _1\"></span>t deleger<span class=\"_ _1\"></span>er fullmakt<span class=\"_ _1\"></span>er til konsernsje<span class=\"_ _1\"></span>f innen<span class=\"_ _1\"></span>for h<span class=\"_ _1\"></span>v<span class=\"_ _1\"></span>ert av </span><span style=\"display:inherit;clear:left;\">risikoomr<span class=\"_ _1\"></span>\u00e5dene. F<span class=\"_ _2\"></span>or b\u00e5de P<span class=\"_ _1\"></span>erson- og Bedriftsmark<span class=\"_ _1\"></span>edet er de<span class=\"_ _1\"></span>t </span><span style=\"display:inherit;clear:left;\">etablert beslutningss<span class=\"_ _1\"></span>t<span class=\"_ _1\"></span>\u00f8t<span class=\"_ _1\"></span>te- og porte<span class=\"_ _1\"></span>f<span class=\"_ _1\"></span>\u00f8ljes<span class=\"_ _1\"></span>tyringss<span class=\"_ _1\"></span>ys<span class=\"_ _1\"></span>temer<span class=\"_ _0\"></span>.</span><span style=\"display:inherit;clear:left;\">Org<span class=\"_ _1\"></span>anisering og ansv<span class=\"_ _1\"></span>ar</span><span style=\"display:inherit;clear:left;\">Ansv<span class=\"_ _1\"></span>ar f<span class=\"_ _1\"></span>or og gjennom<span class=\"_ _1\"></span>f<span class=\"_ _1\"></span>\u00f8ring a<span class=\"_ _1\"></span>v bankens risik<span class=\"_ _1\"></span>o- og kapitals<span class=\"_ _1\"></span>tyring </span><span style=\"display:inherit;clear:left;\">og kon<span class=\"_ _1\"></span>tr<span class=\"_ _1\"></span>oll er delt mellom bankens s<span class=\"_ _1\"></span>tyr<span class=\"_ _1\"></span>e, ledelse og </span><span style=\"display:inherit;clear:left;\">forr<span class=\"_ _1\"></span>e<span class=\"_ _1\"></span>tningsenhe<span class=\"_ _1\"></span>ter<span class=\"_ _0\"></span>. </span><span style=\"display:inherit;clear:left;\">Styret<span class=\"_ _8\"></span><span class=\"ff4 ls0 ws0\"> i Spar<span class=\"_ _1\"></span>ebanken V<span class=\"_ _2\"></span>est har ansv<span class=\"_ _2\"></span>ar for \u00e5 f<span class=\"_ _1\"></span>astse<span class=\"_ _1\"></span>tt<span class=\"_ _1\"></span>e bankens </span></span><span style=\"display:inherit;clear:left;\">ov<span class=\"_ _1\"></span>er<span class=\"_ _1\"></span>or<span class=\"_ _1\"></span>dnede risik<span class=\"_ _1\"></span>ot<span class=\"_ _1\"></span>oler<span class=\"_ _1\"></span>anse. Videre sk<span class=\"_ _1\"></span>al Styr<span class=\"_ _1\"></span>e<span class=\"_ _1\"></span>t p\u00e5se a<span class=\"_ _1\"></span>t banken </span><span style=\"display:inherit;clear:left;\">har en ansv<span class=\"_ _1\"></span>arlig kapital som er tils<span class=\"_ _1\"></span>tr<span class=\"_ _1\"></span>ekkelig ut fr<span class=\"_ _1\"></span>a f<span class=\"_ _1\"></span>as<span class=\"_ _1\"></span>tsa<span class=\"_ _1\"></span>tt </span><span style=\"display:inherit;clear:left;\">risiko<span class=\"_ _1\"></span>toler<span class=\"_ _1\"></span>anse og bank<span class=\"_ _1\"></span>ens virksomhe<span class=\"_ _1\"></span>t, samt s\u00f8r<span class=\"_ _1\"></span>ge f<span class=\"_ _2\"></span>or at banken </span><span style=\"display:inherit;clear:left;\">er tilstr<span class=\"_ _1\"></span>ekk<span class=\"_ _1\"></span>elig kapitalisert ut fra r<span class=\"_ _1\"></span>egula<span class=\"_ _2\"></span>toriske kr<span class=\"_ _1\"></span>a<span class=\"_ _1\"></span>v<span class=\"_ _2\"></span>. Styre<span class=\"_ _1\"></span>t </span><span style=\"display:inherit;clear:left;\">vedtar o<span class=\"_ _1\"></span>gs\u00e5 bankens m\u00e5l og r<span class=\"_ _1\"></span>ammes<span class=\"_ _1\"></span>truktur innenf<span class=\"_ _1\"></span>or alle </span><span style=\"display:inherit;clear:left;\">risikoomr<span class=\"_ _1\"></span>\u00e5der<span class=\"_ _0\"></span>, herunder risikostr<span class=\"_ _1\"></span>a<span class=\"_ _2\"></span>tegier samt re<span class=\"_ _1\"></span>tningslinjer f<span class=\"_ _1\"></span>or </span><span style=\"display:inherit;clear:left;\">bankens risik<span class=\"_ _1\"></span>o- og kapitals<span class=\"_ _1\"></span>tyring. Rapportering i forhold til m\u00e5l </span><span style=\"display:inherit;clear:left;\">og rammer gj\u00f8r<span class=\"_ _1\"></span>es kv<span class=\"_ _1\"></span>artals<span class=\"_ _1\"></span>vis til styr<span class=\"_ _1\"></span>e<span class=\"_ _1\"></span>t. </span><span style=\"display:inherit;clear:left;\">St<span class=\"_ _1\"></span>yr<span class=\"_ _1\"></span>eut<span class=\"_ _1\"></span>va<span class=\"_ _1\"></span>lg kredit<span class=\"_ _2\"></span>t<span class=\"ff4\"> behandler kredittsak<span class=\"_ _1\"></span>er innen<span class=\"_ _1\"></span>for fullmakt<span class=\"_ _1\"></span>er </span></span><span style=\"display:inherit;clear:left;\">beslutt<span class=\"_ _1\"></span>et a<span class=\"_ _1\"></span>v S<span class=\"_ _1\"></span>tyr<span class=\"_ _1\"></span>et. </span><span style=\"display:inherit;clear:left;\">Re<span class=\"_ _1\"></span>visjons<span class=\"_ _1\"></span>ut<span class=\"_ _1\"></span>valge<span class=\"_ _1\"></span>t<span class=\"ff4\"> skal se til a<span class=\"_ _1\"></span>t Spar<span class=\"_ _1\"></span>ebank<span class=\"_ _1\"></span>en V<span class=\"_ _2\"></span>est har en </span></span><span style=\"display:inherit;clear:left;\">ua<span class=\"_ _1\"></span>vhengig og eff<span class=\"_ _1\"></span>ektiv eks<span class=\"_ _1\"></span>tern- og in<span class=\"_ _1\"></span>t<span class=\"_ _1\"></span>ernre<span class=\"_ _1\"></span>visjon sam<span class=\"_ _1\"></span>t r<span class=\"_ _1\"></span>egnskaps- </span><span style=\"display:inherit;clear:left;\">og risikor<span class=\"_ _1\"></span>apportering i sams<span class=\"_ _1\"></span>v<span class=\"_ _1\"></span>ar med lo<span class=\"_ _1\"></span>ver og f<span class=\"_ _1\"></span>or<span class=\"_ _1\"></span>skrifter<span class=\"_ _0\"></span>.  </span><span style=\"display:inherit;clear:left;\">Risik<span class=\"_ _1\"></span>out<span class=\"_ _1\"></span>va<span class=\"_ _1\"></span>lget<span class=\"ff4\"> skal se til a<span class=\"_ _2\"></span>t risiko- og kapitalstyring i </span></span><span style=\"display:inherit;clear:left;\">Sparebank<span class=\"_ _1\"></span>en V<span class=\"_ _2\"></span>est st<span class=\"_ _1\"></span>\u00f8t<span class=\"_ _1\"></span>ter opp under k<span class=\"_ _1\"></span>onserne<span class=\"_ _1\"></span>ts str<span class=\"_ _1\"></span>a<span class=\"_ _1\"></span>t<span class=\"_ _1\"></span>egiske </span><span style=\"display:inherit;clear:left;\">utvikling og m\u00e5loppn\u00e5else.</span><span style=\"display:inherit;clear:left;\">K<span class=\"_ _2\"></span>onsernsjef <span class=\"ff4\">har ansv<span class=\"_ _1\"></span>ar<span class=\"_ _1\"></span>e<span class=\"_ _1\"></span>t f<span class=\"_ _1\"></span>or bankens samlede risik<span class=\"_ _1\"></span>o- og </span></span><span style=\"display:inherit;clear:left;\">kapitalstyring, herunder \u00e5 sikr<span class=\"_ _1\"></span>e a<span class=\"_ _1\"></span>t banken til enh<span class=\"_ _1\"></span>v<span class=\"_ _1\"></span>er tid har gode </span><span style=\"display:inherit;clear:left;\">modeller og ramme<span class=\"_ _1\"></span>v<span class=\"_ _1\"></span>erk f<span class=\"_ _1\"></span>or styring og k<span class=\"_ _1\"></span>on<span class=\"_ _1\"></span>troll. Alle beslutning<span class=\"_ _1\"></span>er </span><span style=\"display:inherit;clear:left;\">knyt<span class=\"_ _1\"></span>te<span class=\"_ _1\"></span>t til risiko- og k<span class=\"_ _1\"></span>apitalstyring f<span class=\"_ _1\"></span>a<span class=\"_ _1\"></span>t<span class=\"_ _1\"></span>tes normalt se<span class=\"_ _1\"></span>tt a<span class=\"_ _2\"></span>v </span><span style=\"display:inherit;clear:left;\">Konsernsje<span class=\"_ _1\"></span>f i samr<span class=\"_ _1\"></span>\u00e5d med \u00f8<span class=\"_ _1\"></span>vrige medlemmer i bank<span class=\"_ _1\"></span>ens ledelse, </span><span style=\"display:inherit;clear:left;\">med mindre sak<span class=\"_ _1\"></span>en behandles i bank<span class=\"_ _1\"></span>ens styr<span class=\"_ _1\"></span>e.</span><span style=\"display:inherit;clear:left;\">Risk Mana<span class=\"_ _1\"></span>gement<span class=\"ff4\"> iv<span class=\"_ _2\"></span>aretar viktig<span class=\"_ _1\"></span>e funksjoner kn<span class=\"_ _1\"></span>ytt<span class=\"_ _1\"></span>et til s<span class=\"_ _1\"></span>tyring, </span></span><span style=\"display:inherit;clear:left;\">kon<span class=\"_ _1\"></span>tr<span class=\"_ _1\"></span>oll, r<span class=\"_ _1\"></span>apportering og analyse. Risk Manag<span class=\"_ _1\"></span>emen<span class=\"_ _1\"></span>t har ogs\u00e5 </span><span style=\"display:inherit;clear:left;\">ansv<span class=\"_ _1\"></span>ar f<span class=\"_ _1\"></span>or bankens modell- o<span class=\"_ _1\"></span>g ramme<span class=\"_ _1\"></span>v<span class=\"_ _1\"></span>erk f<span class=\"_ _1\"></span>or risiko- og </span><span style=\"display:inherit;clear:left;\">kapitalstyring.</span><span style=\"display:inherit;clear:left;\">V<span class=\"_ _1\"></span>aliderings<span class=\"_ _1\"></span>k<span class=\"_ _1\"></span>omit<span class=\"_ _1\"></span>\u00e9en<span class=\"ff4\"> behandler s\u00e5 v<span class=\"_ _1\"></span>el modellv<span class=\"_ _1\"></span>alidering som </span></span><span style=\"display:inherit;clear:left;\">v<span class=\"_ _1\"></span>alidering knyt<span class=\"_ _1\"></span>te<span class=\"_ _1\"></span>t til anv<span class=\"_ _1\"></span>endelse a<span class=\"_ _1\"></span>v bank<span class=\"_ _1\"></span>ens kr<span class=\"_ _1\"></span>editts<span class=\"_ _1\"></span>ys<span class=\"_ _1\"></span>temer og </span><span style=\"display:inherit;clear:left;\">reg<span class=\"_ _1\"></span>elv<span class=\"_ _1\"></span>erk.</span><span style=\"display:inherit;clear:left;\">Kredit<span class=\"_ _2\"></span>tkomit<span class=\"_ _1\"></span>een<span class=\"ff4\"> er e<span class=\"_ _1\"></span>t adminis<span class=\"_ _1\"></span>tr<span class=\"_ _1\"></span>a<span class=\"_ _1\"></span>tivt org<span class=\"_ _1\"></span>an som behandler </span></span><span style=\"display:inherit;clear:left;\">kredit<span class=\"_ _1\"></span>teng<span class=\"_ _1\"></span>asjement i henhold til fullmakt, h<span class=\"_ _1\"></span>vor fullmakt er s<span class=\"_ _1\"></span>tyrt </span><span style=\"display:inherit;clear:left;\">a<span class=\"_ _1\"></span>v bel\u00f8p og risikoklas<span class=\"_ _1\"></span>se. Engasjemen<span class=\"_ _1\"></span>t p\u00e5 bankens w<span class=\"_ _1\"></span>a<span class=\"_ _1\"></span>tchlis<span class=\"_ _1\"></span>t </span><span style=\"display:inherit;clear:left;\">gjennomg\u00e5s a<span class=\"_ _1\"></span>v Kr<span class=\"_ _1\"></span>edittk<span class=\"_ _1\"></span>omiteen minimum kv<span class=\"_ _2\"></span>ar<span class=\"_ _8\"></span>talsvis. </span><span style=\"display:inherit;clear:left;\">Alle leder<span class=\"_ _1\"></span>e<span class=\"ff4\"> i Sparebank<span class=\"_ _1\"></span>en V<span class=\"_ _2\"></span>est har ansv<span class=\"_ _1\"></span>ar f<span class=\"_ _1\"></span>or \u00e5 s<span class=\"_ _1\"></span>tyre risik<span class=\"_ _1\"></span>o og </span></span><span style=\"display:inherit;clear:left;\">sikre g<span class=\"_ _1\"></span>od in<span class=\"_ _1\"></span>ternk<span class=\"_ _1\"></span>on<span class=\"_ _1\"></span>troll innen<span class=\"_ _1\"></span>f<span class=\"_ _1\"></span>or eg<span class=\"_ _1\"></span>et omr<span class=\"_ _1\"></span>\u00e5de i tr<span class=\"_ _1\"></span>\u00e5<span class=\"_ _1\"></span>d med bankens </span><span style=\"display:inherit;clear:left;\">vedta<span class=\"_ _2\"></span>tte risikopr<span class=\"_ _1\"></span>o<span class=\"_ _1\"></span>fil. F<span class=\"_ _2\"></span>or \u00e5 sikre g<span class=\"_ _1\"></span>od \u00f8konomisk og adminis<span class=\"_ _1\"></span>tr<span class=\"_ _1\"></span>a<span class=\"_ _1\"></span>tiv </span><span style=\"display:inherit;clear:left;\">styring, skal den enkelt<span class=\"_ _1\"></span>e leder ha n\u00f8dv<span class=\"_ _1\"></span>endig kunnskap om </span><span style=\"display:inherit;clear:left;\">vesen<span class=\"_ _1\"></span>tlig<span class=\"_ _1\"></span>e risiko<span class=\"_ _1\"></span>f<span class=\"_ _1\"></span>orhold innen<span class=\"_ _1\"></span>for eg<span class=\"_ _1\"></span>e<span class=\"_ _1\"></span>t omr<span class=\"_ _1\"></span>\u00e5de.</span><span style=\"display:inherit;clear:left;\">Int<span class=\"_ _1\"></span>ernre<span class=\"_ _1\"></span>visjonens<span class=\"ff4\"> r<span class=\"_ _1\"></span>olle er \u00e5 o<span class=\"_ _1\"></span>v<span class=\"_ _1\"></span>erv\u00e5k<span class=\"_ _1\"></span>e bank<span class=\"_ _1\"></span>ens samlede risiko-/</span></span><span style=\"display:inherit;clear:left;\">kapitalstyring og in<span class=\"_ _1\"></span>t<span class=\"_ _1\"></span>ernkon<span class=\"_ _1\"></span>tr<span class=\"_ _1\"></span>oll p\u00e5 v<span class=\"_ _1\"></span>egne a<span class=\"_ _1\"></span>v Styr<span class=\"_ _1\"></span>e<span class=\"_ _1\"></span>t. Int<span class=\"_ _1\"></span>ern-</span><span style=\"display:inherit;clear:left;\">re<span class=\"_ _1\"></span>visjonen skal ogs\u00e5 e<span class=\"_ _1\"></span>tt<span class=\"_ _1\"></span>erpr<span class=\"_ _1\"></span>\u00f8v<span class=\"_ _1\"></span>e om rutiner og r<span class=\"_ _1\"></span>e<span class=\"_ _1\"></span>tningslinjer </span><span style=\"display:inherit;clear:left;\">et<span class=\"_ _1\"></span>terle<span class=\"_ _1\"></span>v<span class=\"_ _1\"></span>es, samt vur<span class=\"_ _1\"></span>der<span class=\"_ _1\"></span>e om bank<span class=\"_ _1\"></span>ens modellverk kn<span class=\"_ _1\"></span>yt<span class=\"_ _1\"></span>te<span class=\"_ _1\"></span>t til </span><span style=\"display:inherit;clear:left;\">risiko-/kapitals<span class=\"_ _1\"></span>tyring gir et riktig ut<span class=\"_ _1\"></span>trykk for bank<span class=\"_ _1\"></span>ens samlede </span><span style=\"display:inherit;clear:left;\">risiko- og kapitalsituasjon. In<span class=\"_ _1\"></span>t<span class=\"_ _1\"></span>ernr<span class=\"_ _1\"></span>evisjonen utarbeider \u00e5rlig </span><span style=\"display:inherit;clear:left;\">int<span class=\"_ _1\"></span>ernkon<span class=\"_ _1\"></span>tr<span class=\"_ _1\"></span>ollr<span class=\"_ _1\"></span>apport som ogs\u00e5 inneholder vur<span class=\"_ _1\"></span>deringer a<span class=\"_ _1\"></span>v </span><span style=\"display:inherit;clear:left;\">bankens IRB-s<span class=\"_ _1\"></span>ys<span class=\"_ _1\"></span>tem og bank<span class=\"_ _1\"></span>ens kapitaliserings<span class=\"_ _1\"></span>- og </span><span style=\"display:inherit;clear:left;\">likvidite<span class=\"_ _1\"></span>tspr<span class=\"_ _1\"></span>osesser (ICAAP og ILAAP).</span><span style=\"display:inherit;clear:left;\">Risikoomr<span class=\"_ _1\"></span>\u00e5<span class=\"_ _1\"></span>der</span><span style=\"display:inherit;clear:left;\">Bankens risik<span class=\"_ _1\"></span>o- og kapitals<span class=\"_ _1\"></span>tyring er i hov<span class=\"_ _1\"></span>edsak kn<span class=\"_ _1\"></span>ytt<span class=\"_ _1\"></span>et opp til </span><span style=\"display:inherit;clear:left;\">f\u00f8lg<span class=\"_ _1\"></span>ende risik<span class=\"_ _1\"></span>oomr\u00e5<span class=\"_ _1\"></span>der:</span><span style=\"display:inherit;clear:left;\">Kredit<span class=\"_ _2\"></span>trisiko <span class=\"ff4\">er risik<span class=\"_ _1\"></span>oen for tap der<span class=\"_ _1\"></span>som bankens k<span class=\"_ _1\"></span>under/</span></span><span style=\"display:inherit;clear:left;\">motpart<span class=\"_ _1\"></span>er ikke opp<span class=\"_ _1\"></span>fyller sine forplikt<span class=\"_ _1\"></span>elser knyt<span class=\"_ _1\"></span>te<span class=\"_ _1\"></span>t til utl\u00e5n, </span><span style=\"display:inherit;clear:left;\">kredit<span class=\"_ _1\"></span>ter<span class=\"_ _0\"></span>, gar<span class=\"_ _1\"></span>antier og lignende. S<span class=\"_ _1\"></span>tr<span class=\"_ _1\"></span>a<span class=\"_ _1\"></span>tegisk styr<span class=\"_ _1\"></span>es kr<span class=\"_ _1\"></span>edit<span class=\"_ _1\"></span>trisikoen </span><span style=\"display:inherit;clear:left;\">gjennom etablering a<span class=\"_ _2\"></span>v rammer for samle<span class=\"_ _1\"></span>t eksponering mo<span class=\"_ _1\"></span>t </span><span style=\"display:inherit;clear:left;\">bedriftskunder<span class=\"_ _0\"></span>, enkeltn\u00e6ringer og enk<span class=\"_ _1\"></span>eltkunder<span class=\"_ _0\"></span>. Det er vider<span class=\"_ _1\"></span>e </span><span style=\"display:inherit;clear:left;\">etablert r<span class=\"_ _1\"></span>ammer f<span class=\"_ _1\"></span>or an<span class=\"_ _1\"></span>tall engasjemen<span class=\"_ _1\"></span>t ov<span class=\"_ _1\"></span>er vis<span class=\"_ _1\"></span>se terskler<span class=\"_ _0\"></span>. </span><span style=\"display:inherit;clear:left;\">Styringsr<span class=\"_ _1\"></span>ammene behandles i f<span class=\"_ _1\"></span>orbindelse med bank<span class=\"_ _1\"></span>ens ICAAP-</span><span style=\"display:inherit;clear:left;\">proses<span class=\"_ _1\"></span>s, og e<span class=\"_ _1\"></span>tableres i bank<span class=\"_ _1\"></span>ens kr<span class=\"_ _1\"></span>edittrisik<span class=\"_ _1\"></span>os<span class=\"_ _1\"></span>tra<span class=\"_ _2\"></span>tegi. Opera<span class=\"_ _1\"></span>tivt </span><span style=\"display:inherit;clear:left;\">styr<span class=\"_ _1\"></span>es risik<span class=\"_ _1\"></span>oen i det daglig<span class=\"_ _1\"></span>e arbeidet ut mo<span class=\"_ _1\"></span>t kunder<span class=\"_ _0\"></span>, og banken </span><span style=\"display:inherit;clear:left;\">har etablert e<span class=\"_ _1\"></span>t bevilgningsr<span class=\"_ _1\"></span>eglemen<span class=\"_ _1\"></span>t inkludert fullmakter sam<span class=\"_ _1\"></span>t </span><span style=\"display:inherit;clear:left;\">en kredit<span class=\"_ _1\"></span>tpolic<span class=\"_ _1\"></span>y<span class=\"_ _2\"></span>, bransjepolic<span class=\"_ _1\"></span>y<span class=\"_ _1\"></span>er og andr<span class=\"_ _1\"></span>e rutiner som beskriv<span class=\"_ _1\"></span>er </span><span style=\"display:inherit;clear:left;\">hv<span class=\"_ _1\"></span>or<span class=\"_ _1\"></span>dan bankens kr<span class=\"_ _1\"></span>edit<span class=\"_ _1\"></span>trisikos<span class=\"_ _1\"></span>tr<span class=\"_ _1\"></span>a<span class=\"_ _1\"></span>tegi skal implemen<span class=\"_ _1\"></span>ter<span class=\"_ _1\"></span>es </span><span style=\"display:inherit;clear:left;\">gjennom f<span class=\"_ _1\"></span>astse<span class=\"_ _1\"></span>tt<span class=\"_ _1\"></span>else a<span class=\"_ _1\"></span>v de<span class=\"_ _1\"></span>taljerte kr<span class=\"_ _1\"></span>edittgivningskriterier og </span><span style=\"display:inherit;clear:left;\">l\u00f8pende oppf<span class=\"_ _1\"></span>\u00f8lging a<span class=\"_ _1\"></span>v kunder<span class=\"_ _0\"></span>. F<span class=\"_ _1\"></span>or n\u00e6rmer<span class=\"_ _1\"></span>e beskriv<span class=\"_ _1\"></span>else a<span class=\"_ _1\"></span>v </span><span style=\"display:inherit;clear:left;\"><span><span style=\"display:inherit;clear:left;\">kredit<span class=\"_ _1\"></span>trisik<span class=\"_ _1\"></span>o se not<span class=\"_ _1\"></span>e 8 til 20</span></span><span class=\"_ _1\"></span>. </span><span style=\"display:inherit;clear:left;\">Mark<span class=\"_ _1\"></span>edsrisik<span class=\"_ _1\"></span>o<span class=\"ff4\"> de<span class=\"_ _1\"></span>finer<span class=\"_ _1\"></span>es som risikoen f<span class=\"_ _1\"></span>or tap p\u00e5 \u00e5pne posisjoner </span></span><span style=\"display:inherit;clear:left;\">i finansielle instrumen<span class=\"_ _1\"></span>ter som f<span class=\"_ _1\"></span>\u00f8lg<span class=\"_ _1\"></span>e a<span class=\"_ _1\"></span>v endringer i </span><span style=\"display:inherit;clear:left;\">markeds<span class=\"_ _1\"></span>v<span class=\"_ _1\"></span>ariabler og/eller markedsbe<span class=\"_ _1\"></span>tingelser innen<span class=\"_ _1\"></span>f<span class=\"_ _1\"></span>or en </span><span style=\"display:inherit;clear:left;\">spesifisert tidshorisont. Det<span class=\"_ _1\"></span>te inkluder<span class=\"_ _1\"></span>er ak<span class=\"_ _1\"></span>sje-, r<span class=\"_ _1\"></span>ent<span class=\"_ _1\"></span>e-, v<span class=\"_ _1\"></span>aluta<span class=\"_ _1\"></span>-, </span><span style=\"display:inherit;clear:left;\">kredit<span class=\"_ _1\"></span>tspr<span class=\"_ _1\"></span>ead- og eiendomsrisik<span class=\"_ _1\"></span>o. Gjennom bank<span class=\"_ _1\"></span>ens </span><span style=\"display:inherit;clear:left;\">markedsrisik<span class=\"_ _1\"></span>ostr<span class=\"_ _1\"></span>a<span class=\"_ _1\"></span>t<span class=\"_ _1\"></span>egi, som oppdat<span class=\"_ _1\"></span>er<span class=\"_ _1\"></span>es minimum \u00e5rlig, innvilger </span><span style=\"display:inherit;clear:left;\">Styr<span class=\"_ _1\"></span>e<span class=\"_ _1\"></span>t r<span class=\"_ _1\"></span>ammer for ek<span class=\"_ _1\"></span>sponering mot de ulik<span class=\"_ _1\"></span>e risik<span class=\"_ _1\"></span>oka<span class=\"_ _1\"></span>teg<span class=\"_ _1\"></span>oriene. </span><span style=\"display:inherit;clear:left;\">Risikoen s<span class=\"_ _1\"></span>tyr<span class=\"_ _1\"></span>es s\u00e5ledes str<span class=\"_ _1\"></span>a<span class=\"_ _1\"></span>t<span class=\"_ _1\"></span>egisk gjennom ramme<span class=\"_ _1\"></span>f<span class=\"_ _1\"></span>astse<span class=\"_ _1\"></span>tt<span class=\"_ _1\"></span>elsen </span><span style=\"display:inherit;clear:left;\">som uttrykker S<span class=\"_ _1\"></span>tyr<span class=\"_ _1\"></span>e<span class=\"_ _1\"></span>ts risiko<span class=\"_ _1\"></span>toler<span class=\"_ _1\"></span>anse innen<span class=\"_ _1\"></span>f<span class=\"_ _1\"></span>or risikoomr<span class=\"_ _1\"></span>\u00e5<span class=\"_ _1\"></span>dene. </span><span style=\"display:inherit;clear:left;\">Opera<span class=\"_ _2\"></span>tivt ut\u00f8v<span class=\"_ _1\"></span>es risik<span class=\"_ _1\"></span>ostyring a<span class=\"_ _1\"></span>v r<span class=\"_ _1\"></span>en<span class=\"_ _1\"></span>te-, v<span class=\"_ _1\"></span>aluta<span class=\"_ _1\"></span>- og </span><span style=\"display:inherit;clear:left;\">kredit<span class=\"_ _1\"></span>tspr<span class=\"_ _1\"></span>eadrisik<span class=\"_ _1\"></span>oen a<span class=\"_ _1\"></span>v bankens T<span class=\"_ _0\"></span>reasury-<span class=\"_ _1\"></span>funksjon. T<span class=\"_ _2\"></span>r<span class=\"_ _1\"></span>easury er </span><span style=\"display:inherit;clear:left;\">tildelt fullmakter til \u00e5 gjennom<span class=\"_ _1\"></span>f<span class=\"_ _1\"></span>\u00f8r<span class=\"_ _1\"></span>e transak<span class=\"_ _1\"></span>sjoner i finansielle </span><span style=\"display:inherit;clear:left;\">instrumen<span class=\"_ _1\"></span>ter og s<span class=\"_ _1\"></span>tyr<span class=\"_ _1\"></span>er risikoen oper<span class=\"_ _1\"></span>a<span class=\"_ _1\"></span>tivt innen<span class=\"_ _1\"></span>f<span class=\"_ _1\"></span>or de </span><span style=\"display:inherit;clear:left;\">styr<span class=\"_ _1\"></span>e<span class=\"_ _1\"></span>f<span class=\"_ _1\"></span>astsa<span class=\"_ _1\"></span>t<span class=\"_ _1\"></span>te r<span class=\"_ _1\"></span>ammer<span class=\"_ _0\"></span>. Bankens aksjeeksponering er begr<span class=\"_ _1\"></span>ense<span class=\"_ _1\"></span>t </span><span style=\"display:inherit;clear:left;\">og er for<span class=\"_ _1\"></span>delt p\u00e5 t<span class=\"_ _1\"></span>o porte<span class=\"_ _1\"></span>f<span class=\"_ _1\"></span>\u00f8ljer: ven<span class=\"_ _1\"></span>tur<span class=\"_ _1\"></span>eporte<span class=\"_ _1\"></span>f<span class=\"_ _1\"></span>\u00f8lje og str<span class=\"_ _1\"></span>a<span class=\"_ _2\"></span>tegisk </span><span style=\"display:inherit;clear:left;\">portef<span class=\"_ _1\"></span>\u00f8lje. F<span class=\"_ _2\"></span>ullmakt til \u00e5 forv<span class=\"_ _1\"></span>alte bank<span class=\"_ _1\"></span>ens v<span class=\"_ _1\"></span>en<span class=\"_ _1\"></span>tureport<span class=\"_ _1\"></span>ef<span class=\"_ _1\"></span>\u00f8lje, som </span><span style=\"display:inherit;clear:left;\">er under a<span class=\"_ _1\"></span>vvikling, er delegert til \u00d8konomidir<span class=\"_ _1\"></span>ekt\u00f8r<span class=\"_ _0\"></span>. T<span class=\"_ _2\"></span>ransaksjoner </span><span style=\"display:inherit;clear:left;\">i str<span class=\"_ _1\"></span>a<span class=\"_ _1\"></span>t<span class=\"_ _1\"></span>egisk portef<span class=\"_ _1\"></span>\u00f8lje godkjennes a<span class=\"_ _2\"></span>v Styre<span class=\"_ _1\"></span>t eller Konsernsje<span class=\"_ _1\"></span>f<span class=\"_ _0\"></span>. F<span class=\"_ _1\"></span>or </span><span style=\"display:inherit;clear:left;\">n\u00e6rmere beskriv<span class=\"_ _1\"></span>else a<span class=\"_ _1\"></span>v mark<span class=\"_ _1\"></span>edsrisik<span class=\"_ _1\"></span>o se not<span class=\"_ _1\"></span>e 21 til 26<span class=\"_ _1\"></span>.</span><span style=\"display:inherit;clear:left;\">Likvidite<span class=\"_ _1\"></span>tsrisik<span class=\"_ _1\"></span>o <span class=\"ff4\">bes<span class=\"_ _1\"></span>t\u00e5r a<span class=\"_ _1\"></span>v to elemen<span class=\"_ _1\"></span>t<span class=\"_ _1\"></span>er; re<span class=\"_ _1\"></span>finansieringsrisik<span class=\"_ _1\"></span>o og </span></span><span style=\"display:inherit;clear:left;\">prisrisiko<span class=\"_ _1\"></span>. Med r<span class=\"_ _1\"></span>efinansieringsrisik<span class=\"_ _1\"></span>o menes risikoen f<span class=\"_ _1\"></span>or ikk<span class=\"_ _1\"></span>e \u00e5 </span><span style=\"display:inherit;clear:left;\">v<span class=\"_ _1\"></span>\u00e6re i s<span class=\"_ _1\"></span>tand til \u00e5 r<span class=\"_ _1\"></span>e<span class=\"_ _1\"></span>finansiere gjeld og ikk<span class=\"_ _1\"></span>e ha evne til \u00e5 finansier<span class=\"_ _1\"></span>e </span><span style=\"display:inherit;clear:left;\">en \u00f8kning i eiendeler<span class=\"_ _2\"></span>. Med prisrisiko menes risik<span class=\"_ _1\"></span>oen f<span class=\"_ _1\"></span>or ikk<span class=\"_ _1\"></span>e \u00e5 </span><span style=\"display:inherit;clear:left;\">v<span class=\"_ _1\"></span>\u00e6re i s<span class=\"_ _1\"></span>tand til \u00e5 r<span class=\"_ _1\"></span>e<span class=\"_ _1\"></span>finansiere f<span class=\"_ _1\"></span>orplikt<span class=\"_ _1\"></span>elser uten a<span class=\"_ _2\"></span>t det oppst\u00e5r </span><span style=\"display:inherit;clear:left;\">vesen<span class=\"_ _1\"></span>tlig<span class=\"_ _1\"></span>e ekstr<span class=\"_ _1\"></span>a<span class=\"_ _1\"></span>omkos<span class=\"_ _1\"></span>tninger i f<span class=\"_ _1\"></span>orm a<span class=\"_ _1\"></span>v ek<span class=\"_ _1\"></span>str<span class=\"_ _1\"></span>a dyr finansiering </span><span style=\"display:inherit;clear:left;\">eller prisf<span class=\"_ _1\"></span>all p\u00e5 eiendeler som m\u00e5 r<span class=\"_ _1\"></span>ealiser<span class=\"_ _1\"></span>es. Str<span class=\"_ _1\"></span>a<span class=\"_ _1\"></span>t<span class=\"_ _1\"></span>egisk styr<span class=\"_ _1\"></span>es </span><span style=\"display:inherit;clear:left;\">likvidite<span class=\"_ _1\"></span>tsrisikoen v<span class=\"_ _1\"></span>ed e<span class=\"_ _1\"></span>tablering a<span class=\"_ _1\"></span>v s<span class=\"_ _1\"></span>tyringsm\u00e5l og r<span class=\"_ _1\"></span>ammer </span><span style=\"display:inherit;clear:left;\">gjennom likvidite<span class=\"_ _1\"></span>tsrisikos<span class=\"_ _1\"></span>tr<span class=\"_ _1\"></span>a<span class=\"_ _1\"></span>tegien, som f<span class=\"_ _1\"></span>\u00f8lger a<span class=\"_ _2\"></span>v bankens </span><span style=\"display:inherit;clear:left;\">ILAAP-pr<span class=\"_ _1\"></span>osess. Bank<span class=\"_ _1\"></span>en har m\u00e5l og r<span class=\"_ _1\"></span>ammer f<span class=\"_ _1\"></span>or samle<span class=\"_ _1\"></span>t </span><span style=\"display:inherit;clear:left;\">likvidite<span class=\"_ _1\"></span>tsporte<span class=\"_ _1\"></span>f<span class=\"_ _1\"></span>\u00f8lje, L<span class=\"_ _1\"></span>CR, NSFR, ne<span class=\"_ _1\"></span>tt<span class=\"_ _1\"></span>o finansieringsbeho<span class=\"_ _1\"></span>v de </span><span style=\"display:inherit;clear:left;\">nest<span class=\"_ _1\"></span>e 3 m\u00e5neder (nominelt bel\u00f8p) og stabil finansieringsgr<span class=\"_ _1\"></span>a<span class=\"_ _1\"></span>d per </span><span style=\"display:inherit;clear:left;\">segment (innsk<span class=\"_ _1\"></span>udd under innskuddsgar<span class=\"_ _1\"></span>an<span class=\"_ _1\"></span>tien som andel a<span class=\"_ _1\"></span>v </span><span style=\"display:inherit;clear:left;\">net<span class=\"_ _1\"></span>to utl\u00e5n per segmen<span class=\"_ _1\"></span>t). Bank<span class=\"_ _1\"></span>ens T<span class=\"_ _2\"></span>reasury<span class=\"_ _1\"></span>-funksjon er </span><span style=\"display:inherit;clear:left;\">gjennom likvidite<span class=\"_ _1\"></span>tsrisikos<span class=\"_ _1\"></span>tr<span class=\"_ _1\"></span>a<span class=\"_ _1\"></span>tegi med v<span class=\"_ _1\"></span>edlegg tildelt oper<span class=\"_ _1\"></span>a<span class=\"_ _1\"></span>tiv<span class=\"_ _1\"></span>e </span><span style=\"display:inherit;clear:left;\">fullmakter til \u00e5 s<span class=\"_ _1\"></span>tyre likvidit<span class=\"_ _1\"></span>e<span class=\"_ _1\"></span>tsrisikoen i bank<span class=\"_ _1\"></span>en innen<span class=\"_ _1\"></span>f<span class=\"_ _1\"></span>or de </span><span style=\"display:inherit;clear:left;\">nevn<span class=\"_ _1\"></span>te s<span class=\"_ _1\"></span>tyringsr<span class=\"_ _1\"></span>ammene. Konkr<span class=\"_ _1\"></span>e<span class=\"_ _1\"></span>t medf<span class=\"_ _1\"></span>\u00f8r<span class=\"_ _1\"></span>er det<span class=\"_ _1\"></span>te blan<span class=\"_ _1\"></span>t anne<span class=\"_ _1\"></span>t </span><span style=\"display:inherit;clear:left;\">ambisjoner om en jevn f<span class=\"_ _1\"></span>orf<span class=\"_ _1\"></span>allspr<span class=\"_ _1\"></span>ofil p\u00e5 bank<span class=\"_ _1\"></span>ens </span><span style=\"display:inherit;clear:left;\">kapitalmarkeds<span class=\"_ _1\"></span>finansiering, samt tiltak som sikr<span class=\"_ _1\"></span>er bank<span class=\"_ _1\"></span>ens </span><span style=\"display:inherit;clear:left;\">handlefrihe<span class=\"_ _1\"></span>t under ulike mark<span class=\"_ _1\"></span>eds<span class=\"_ _1\"></span>f<span class=\"_ _1\"></span>orhold, eksempelvis gjennom </span><span style=\"display:inherit;clear:left;\">bruk a<span class=\"_ _1\"></span>v finansielle instrumen<span class=\"_ _1\"></span>ter eller pr<span class=\"_ _1\"></span>e-<span class=\"_ _1\"></span>finansiering a<span class=\"_ _1\"></span>v </span><span style=\"display:inherit;clear:left;\">obligasjonsf<span class=\"_ _1\"></span>orf<span class=\"_ _1\"></span>all. F<span class=\"_ _2\"></span>or n\u00e6rmere beskriv<span class=\"_ _1\"></span>else a<span class=\"_ _1\"></span>v likvidit<span class=\"_ _1\"></span>etsrisik<span class=\"_ _1\"></span>o se </span><span style=\"display:inherit;clear:left;\">not<span class=\"_ _1\"></span>e 2<span class=\"_ _1\"></span>7<span class=\"_ _0\"></span>.</span><span style=\"display:inherit;clear:left;\">Operasjonell risik<span class=\"_ _1\"></span>o <span class=\"ff4\">er risik<span class=\"_ _1\"></span>o f<span class=\"_ _1\"></span>or tap som f<span class=\"_ _1\"></span>\u00f8lge a<span class=\"_ _1\"></span>v utils<span class=\"_ _1\"></span>tr<span class=\"_ _1\"></span>ekkelig<span class=\"_ _1\"></span>e </span></span><span style=\"display:inherit;clear:left;\">eller sviktende in<span class=\"_ _1\"></span>t<span class=\"_ _1\"></span>erne pr<span class=\"_ _1\"></span>osesser eller s<span class=\"_ _1\"></span>ys<span class=\"_ _1\"></span>temer<span class=\"_ _0\"></span>, menneskelige </span><span style=\"display:inherit;clear:left;\">feil eller ek<span class=\"_ _1\"></span>st<span class=\"_ _1\"></span>erne hendelser<span class=\"_ _0\"></span>. </span><span style=\"display:inherit;clear:left;\">Andr<span class=\"_ _1\"></span>e risikoomr<span class=\"_ _1\"></span>\u00e5<span class=\"_ _1\"></span>der: </span><span style=\"display:inherit;clear:left;\">Eierrisik<span class=\"_ _1\"></span>o<span class=\"ff4\"> definer<span class=\"_ _1\"></span>es som risik<span class=\"_ _1\"></span>o f<span class=\"_ _1\"></span>or tap eller n\u00f8dv<span class=\"_ _1\"></span>endig p\u00e5<span class=\"_ _1\"></span>fyll av </span></span><span style=\"display:inherit;clear:left;\">ny kapital i selsk<span class=\"_ _1\"></span>aper hv<span class=\"_ _1\"></span>or banken har s<span class=\"_ _1\"></span>tr<span class=\"_ _1\"></span>a<span class=\"_ _1\"></span>tegisk eier<span class=\"_ _1\"></span>andel, som </span><span style=\"display:inherit;clear:left;\">f\u00f8lg<span class=\"_ _1\"></span>e a<span class=\"_ _1\"></span>v den underligg<span class=\"_ _1\"></span>ende risikoen i slik<span class=\"_ _1\"></span>e selskaper<span class=\"_ _0\"></span>. </span><span style=\"display:inherit;clear:left;\">F<span class=\"_ _2\"></span>orsikringsrisiko.<span class=\"ff4\"> De<span class=\"_ _1\"></span>t tilkn<span class=\"_ _1\"></span>ytt<span class=\"_ _1\"></span>ede selskapet F<span class=\"_ _2\"></span>rende har </span></span><span style=\"display:inherit;clear:left;\">for<span class=\"_ _1\"></span>sikringsrisiko<span class=\"_ _1\"></span>. Spar<span class=\"_ _1\"></span>ebanken V<span class=\"_ _2\"></span>est p\u00e5<span class=\"_ _1\"></span>virk<span class=\"_ _1\"></span>es a<span class=\"_ _1\"></span>v denne gjennom </span><span style=\"display:inherit;clear:left;\">sin eierandel i selsk<span class=\"_ _1\"></span>apet. </span><span style=\"display:inherit;clear:left;\">Klimarisik<span class=\"_ _1\"></span>o <span class=\"ff4\">er risiko kn<span class=\"_ _1\"></span>ytt<span class=\"_ _1\"></span>e<span class=\"_ _1\"></span>t til klimaendringer og k<span class=\"_ _1\"></span>an f<span class=\"_ _1\"></span>\u00f8re til \u00f8kt </span></span><span style=\"display:inherit;clear:left;\">kredit<span class=\"_ _1\"></span>trisik<span class=\"_ _1\"></span>o, finansielle tap eller r<span class=\"_ _1\"></span>edusert tilgang p\u00e5 kapital. </span><span style=\"display:inherit;clear:left;\">Banken anser fysisk risik<span class=\"_ _1\"></span>o og o<span class=\"_ _1\"></span>ver<span class=\"_ _1\"></span>gangsrisik<span class=\"_ _1\"></span>o i bank<span class=\"_ _1\"></span>ens </span><span style=\"display:inherit;clear:left;\">utl\u00e5nsportef<span class=\"_ _1\"></span>\u00f8lje og finansielle plas<span class=\"_ _1\"></span>seringer som h\u00f8<span class=\"_ _1\"></span>y<span class=\"_ _1\"></span>st r<span class=\"_ _1\"></span>ele<span class=\"_ _1\"></span>v<span class=\"_ _1\"></span>ant<span class=\"_ _1\"></span>e </span><span style=\"display:inherit;clear:left;\">risikoomr<span class=\"_ _1\"></span>\u00e5der<span class=\"_ _0\"></span>. F<span class=\"_ _1\"></span>ysisk risik<span class=\"_ _1\"></span>o kan f<span class=\"_ _1\"></span>\u00f8r<span class=\"_ _1\"></span>e til st<span class=\"_ _1\"></span>or<span class=\"_ _1\"></span>e finansielle tap, </span><span style=\"display:inherit;clear:left;\">redusert<span class=\"_ _1\"></span>e v<span class=\"_ _1\"></span>erdier p\u00e5 eiendeler<span class=\"_ _0\"></span>, sv<span class=\"_ _1\"></span>ekke<span class=\"_ _1\"></span>t kr<span class=\"_ _1\"></span>edittv<span class=\"_ _1\"></span>er<span class=\"_ _1\"></span>dighe<span class=\"_ _1\"></span>t hos </span><span style=\"display:inherit;clear:left;\">kunder og nega<span class=\"_ _1\"></span>tiv p\u00e5<span class=\"_ _1\"></span>virkning p\u00e5 v<span class=\"_ _1\"></span>er<span class=\"_ _1\"></span>dikjeder gjennom dir<span class=\"_ _1\"></span>ekte </span><span style=\"display:inherit;clear:left;\">skader p\u00e5 eiendeler eller indir<span class=\"_ _1\"></span>ekte virkning<span class=\"_ _1\"></span>er gjennom </span><span style=\"display:inherit;clear:left;\">for<span class=\"_ _1\"></span>styrr<span class=\"_ _1\"></span>elser a<span class=\"_ _1\"></span>v le<span class=\"_ _1\"></span>v<span class=\"_ _1\"></span>erand\u00f8rkjeden. Ov<span class=\"_ _1\"></span>er<span class=\"_ _1\"></span>gangsrisik<span class=\"_ _1\"></span>o kan f<span class=\"_ _1\"></span>\u00f8r<span class=\"_ _1\"></span>e til </span><span style=\"display:inherit;clear:left;\">endringer i v<span class=\"_ _1\"></span>er<span class=\"_ _1\"></span>dien a<span class=\"_ _1\"></span>v eiendeler<span class=\"_ _0\"></span>, tapt omd\u00f8mme, \u00f8kte k<span class=\"_ _1\"></span>ostna<span class=\"_ _1\"></span>der<span class=\"_ _2\"></span>, </span><span style=\"display:inherit;clear:left;\">\u00f8kt risiko f<span class=\"_ _1\"></span>or be<span class=\"_ _1\"></span>talingsmislighold, r<span class=\"_ _1\"></span>edusert tilgang til kapital og </span><span style=\"display:inherit;clear:left;\">str<span class=\"_ _1\"></span>andede eiendeler<span class=\"_ _0\"></span>.</span><span style=\"display:inherit;clear:left;\">Sparebank<span class=\"_ _1\"></span>en V<span class=\"_ _2\"></span>est har en omf<span class=\"_ _1\"></span>a<span class=\"_ _2\"></span>ttende b\u00e6r<span class=\"_ _1\"></span>ekra<span class=\"_ _2\"></span>ftstra<span class=\"_ _1\"></span>t<span class=\"_ _1\"></span>egi og tror </span><span style=\"display:inherit;clear:left;\">p\u00e5 finans som en viktig drivkra<span class=\"_ _2\"></span>ft i det gr\u00f8nne skift<span class=\"_ _1\"></span>e<span class=\"_ _1\"></span>t. </span><span style=\"display:inherit;clear:left;\">Sparebank<span class=\"_ _1\"></span>en V<span class=\"_ _2\"></span>est skal posisjoner<span class=\"_ _1\"></span>e seg f<span class=\"_ _1\"></span>or \u00f8kt konkurr<span class=\"_ _1\"></span>anse i </span><span style=\"display:inherit;clear:left;\">finansieringen a<span class=\"_ _1\"></span>v gr<span class=\"_ _1\"></span>\u00f8nne pr<span class=\"_ _1\"></span>osjekter og s<span class=\"_ _1\"></span>tiller s<span class=\"_ _1\"></span>treng<span class=\"_ _1\"></span>er<span class=\"_ _1\"></span>e kr<span class=\"_ _1\"></span>a<span class=\"_ _1\"></span>v til </span><span style=\"display:inherit;clear:left;\">kunder som ikke har handlingsplaner f<span class=\"_ _1\"></span>or gr<span class=\"_ _1\"></span>\u00f8nn oms<span class=\"_ _1\"></span>tilling. </span><span style=\"display:inherit;clear:left;\">Klimarisiko vur<span class=\"_ _1\"></span>der<span class=\"_ _1\"></span>es p\u00e5 lik linje med andr<span class=\"_ _1\"></span>e risiko<span class=\"_ _1\"></span>f<span class=\"_ _1\"></span>orhold i </span><span style=\"display:inherit;clear:left;\">bankens kr<span class=\"_ _1\"></span>edit<span class=\"_ _1\"></span>tproses<span class=\"_ _1\"></span>ser<span class=\"_ _0\"></span>. V<span class=\"_ _1\"></span>ed innvilg<span class=\"_ _1\"></span>else a<span class=\"_ _1\"></span>v l\u00e5n til bedrifts-</span><span style=\"display:inherit;clear:left;\">kunder benyt<span class=\"_ _1\"></span>tes e<span class=\"_ _1\"></span>t vur<span class=\"_ _1\"></span>deringsskjema f<span class=\"_ _1\"></span>or b\u00e6r<span class=\"_ _1\"></span>ekr<span class=\"_ _1\"></span>a<span class=\"_ _1\"></span>ft som er </span><span style=\"display:inherit;clear:left;\">tilpasse<span class=\"_ _1\"></span>t klimarela<span class=\"_ _2\"></span>terte utf<span class=\"_ _1\"></span>ordring<span class=\"_ _1\"></span>er knyt<span class=\"_ _1\"></span>te<span class=\"_ _1\"></span>t til h<span class=\"_ _1\"></span>ver br<span class=\"_ _1\"></span>ansje. </span><span style=\"display:inherit;clear:left;\">Estimert kapital- likvidit<span class=\"_ _1\"></span>e<span class=\"_ _1\"></span>t- og finansieringsbeho<span class=\"_ _1\"></span>v</span><span style=\"display:inherit;clear:left;\">Bankens pr<span class=\"_ _1\"></span>osess f<span class=\"_ _1\"></span>or vur<span class=\"_ _1\"></span>dering a<span class=\"_ _1\"></span>v fr<span class=\"_ _1\"></span>em<span class=\"_ _1\"></span>tidig kapital-, likvidit<span class=\"_ _1\"></span>et<span class=\"_ _1\"></span>- og </span><span style=\"display:inherit;clear:left;\">finansieringsbehov (IC<span class=\"_ _1\"></span>AAP og ILAAP) er f<span class=\"_ _1\"></span>orankr<span class=\"_ _1\"></span>e<span class=\"_ _1\"></span>t i </span><span style=\"display:inherit;clear:left;\">forr<span class=\"_ _1\"></span>e<span class=\"_ _1\"></span>tningss<span class=\"_ _1\"></span>tr<span class=\"_ _1\"></span>a<span class=\"_ _1\"></span>tegi (visjon, m\u00e5lbilde og f<span class=\"_ _1\"></span>orr<span class=\"_ _1\"></span>etningsid\u00e9) og </span><span style=\"display:inherit;clear:left;\">str<span class=\"_ _1\"></span>a<span class=\"_ _1\"></span>t<span class=\"_ _1\"></span>egiske tiltak som er prioritert f<span class=\"_ _1\"></span>or \u00e5 n\u00e5 bank<span class=\"_ _1\"></span>ens m\u00e5l. M\u00e5lsa<span class=\"_ _1\"></span>tt </span><span style=\"display:inherit;clear:left;\">utvikling fire \u00e5r fr<span class=\"_ _1\"></span>am i tid an<span class=\"_ _1\"></span>v<span class=\"_ _1\"></span>endes som grunnlag for vur<span class=\"_ _1\"></span>dering </span><span style=\"display:inherit;clear:left;\">a<span class=\"_ _1\"></span>v bankens kapitalbuf<span class=\"_ _1\"></span>f<span class=\"_ _1\"></span>er og -toler<span class=\"_ _1\"></span>anse. M\u00e5lsa<span class=\"_ _1\"></span>t<span class=\"_ _1\"></span>t utvikling et<span class=\"_ _1\"></span>t \u00e5r </span><span style=\"display:inherit;clear:left;\">fram i tid an<span class=\"_ _1\"></span>v<span class=\"_ _1\"></span>endes som grunnlag f<span class=\"_ _1\"></span>or vurdering a<span class=\"_ _2\"></span>v bankens </span><span style=\"display:inherit;clear:left;\">likvidite<span class=\"_ _1\"></span>tsbuff<span class=\"_ _1\"></span>er og eg<span class=\"_ _1\"></span>enfinansiering. Scenarioene skal gi r<span class=\"_ _1\"></span>etning </span><span style=\"display:inherit;clear:left;\">og niv<span class=\"_ _1\"></span>\u00e5 f<span class=\"_ _1\"></span>or bankens budsje<span class=\"_ _1\"></span>tt, og risik<span class=\"_ _1\"></span>o- og kapitalanalysen k<span class=\"_ _1\"></span>an </span><span style=\"display:inherit;clear:left;\">set<span class=\"_ _1\"></span>te f<span class=\"_ _1\"></span>\u00f8ring<span class=\"_ _1\"></span>er og begr<span class=\"_ _1\"></span>ensninger ut fr<span class=\"_ _1\"></span>a bankens finansielle o<span class=\"_ _1\"></span>g </span><span style=\"display:inherit;clear:left;\">operasjonelle k<span class=\"_ _1\"></span>apasite<span class=\"_ _1\"></span>t sam<span class=\"_ _1\"></span>t ekst<span class=\"_ _1\"></span>erne r<span class=\"_ _1\"></span>ammebeting<span class=\"_ _1\"></span>elser<span class=\"_ _0\"></span>.</span><span style=\"display:inherit;clear:left;\">F<span class=\"_ _2\"></span>or kredittrisik<span class=\"_ _1\"></span>o anv<span class=\"_ _1\"></span>ender Spar<span class=\"_ _1\"></span>ebanken V<span class=\"_ _2\"></span>est in<span class=\"_ _1\"></span>terne s<span class=\"_ _1\"></span>ys<span class=\"_ _1\"></span>temer </span><span style=\"display:inherit;clear:left;\">for es<span class=\"_ _1\"></span>timering a<span class=\"_ _1\"></span>v kapitalbeho<span class=\"_ _1\"></span>v<span class=\"_ _1\"></span>e<span class=\"_ _1\"></span>t. Basert p\u00e5 risikopar<span class=\"_ _1\"></span>ametr<span class=\"_ _1\"></span>e (PD/</span><span style=\"display:inherit;clear:left;\">L<span class=\"_ _1\"></span>GD/EAD) ber<span class=\"_ _1\"></span>egnes risiko<span class=\"_ _1\"></span>v<span class=\"_ _1\"></span>ekt<span class=\"_ _1\"></span>et kapital o<span class=\"_ _1\"></span>g forv<span class=\"_ _1\"></span>en<span class=\"_ _1\"></span>te<span class=\"_ _1\"></span>t tap<span class=\"_ _1\"></span>. </span><span style=\"display:inherit;clear:left;\">Banken es<span class=\"_ _1\"></span>timer<span class=\"_ _1\"></span>er ogs\u00e5 kapitalbeho<span class=\"_ _1\"></span>v f<span class=\"_ _1\"></span>or konsen<span class=\"_ _1\"></span>tr<span class=\"_ _1\"></span>asjonen i </span><span style=\"display:inherit;clear:left;\">kredit<span class=\"_ _1\"></span>tporte<span class=\"_ _1\"></span>f<span class=\"_ _1\"></span>\u00f8ljen. F<span class=\"_ _2\"></span>or den konsentr<span class=\"_ _1\"></span>asjonsrisik<span class=\"_ _1\"></span>oen </span><span style=\"display:inherit;clear:left;\">enkelt<span class=\"_ _1\"></span>engasjemen<span class=\"_ _1\"></span>t og br<span class=\"_ _1\"></span>ansjekonsen<span class=\"_ _1\"></span>tr<span class=\"_ _1\"></span>asjon p\u00e5<span class=\"_ _1\"></span>f<span class=\"_ _1\"></span>\u00f8r<span class=\"_ _1\"></span>er banken, </span><span style=\"display:inherit;clear:left;\">estimer<span class=\"_ _1\"></span>es kapitalbeho<span class=\"_ _1\"></span>v<span class=\"_ _1\"></span>e<span class=\"_ _1\"></span>t ved hjelp a<span class=\"_ _2\"></span>v Finanstilsyne<span class=\"_ _1\"></span>ts met<span class=\"_ _1\"></span>oder </span><span style=\"display:inherit;clear:left;\">beskre<span class=\"_ _1\"></span>v<span class=\"_ _1\"></span>et i v<span class=\"_ _1\"></span>edlegg til rundskriv 3/2<span class=\"_ _1\"></span>0<span class=\"_ _1\"></span>22.</span><span style=\"display:inherit;clear:left;\">Estimert kapitalbeho<span class=\"_ _1\"></span>v f<span class=\"_ _1\"></span>or markedsrisik<span class=\"_ _1\"></span>o under pilar 2 es<span class=\"_ _1\"></span>timeres </span><span style=\"display:inherit;clear:left;\">ved hjelp a<span class=\"_ _2\"></span>v Finanstilsyne<span class=\"_ _1\"></span>ts met<span class=\"_ _1\"></span>oder beskr<span class=\"_ _1\"></span>ev<span class=\"_ _1\"></span>e<span class=\"_ _1\"></span>t i v<span class=\"_ _1\"></span>edlegg til </span><span style=\"display:inherit;clear:left;\">rundskriv 3/20<span class=\"_ _1\"></span>22 f<span class=\"_ _1\"></span>or henholdsvis aksje-, r<span class=\"_ _1\"></span>en<span class=\"_ _1\"></span>t<span class=\"_ _1\"></span>e-, v<span class=\"_ _1\"></span>aluta<span class=\"_ _1\"></span>- og </span><span style=\"display:inherit;clear:left;\">kredit<span class=\"_ _1\"></span>tspr<span class=\"_ _1\"></span>eadrisik<span class=\"_ _1\"></span>o. E<span class=\"_ _1\"></span>t<span class=\"_ _1\"></span>ter<span class=\"_ _1\"></span>som banken ikk<span class=\"_ _1\"></span>e har handelsporte<span class=\"_ _1\"></span>f\u00f8ljer </span><span style=\"display:inherit;clear:left;\">beregnes de<span class=\"_ _1\"></span>t ikk<span class=\"_ _1\"></span>e kapitalbeho<span class=\"_ _1\"></span>v f<span class=\"_ _1\"></span>or markedsrisik<span class=\"_ _1\"></span>o under pilar 1. </span><span style=\"display:inherit;clear:left;\">Dog er det slik a<span class=\"_ _2\"></span>t aksjepostene risik<span class=\"_ _1\"></span>ov<span class=\"_ _1\"></span>ekt<span class=\"_ _1\"></span>es 100 % eller 150 % </span><span style=\"display:inherit;clear:left;\">a<span class=\"_ _1\"></span>vhengig av type ak<span class=\"_ _1\"></span>sjer<span class=\"_ _2\"></span>.</span><span style=\"display:inherit;clear:left;\">F<span class=\"_ _2\"></span>or eierrisiko beregnes de<span class=\"_ _1\"></span>t kun kapital f<span class=\"_ _1\"></span>or tilkn<span class=\"_ _1\"></span>ytt<span class=\"_ _1\"></span>ede selskaper </span><span style=\"display:inherit;clear:left;\">som ikke brut<span class=\"_ _1\"></span>tok<span class=\"_ _1\"></span>onsolider<span class=\"_ _1\"></span>es. Eierskape<span class=\"_ _1\"></span>t i F<span class=\"_ _2\"></span>rende Holding AS </span><span style=\"display:inherit;clear:left;\">medf<span class=\"_ _1\"></span>\u00f8rer b\u00e5<span class=\"_ _1\"></span>de en kapitalbelastning i pilar 1, sam<span class=\"_ _1\"></span>t i pilar 2. </span><span style=\"display:inherit;clear:left;\">Sistne<span class=\"_ _1\"></span>vnt<span class=\"_ _1\"></span>e ber<span class=\"_ _1\"></span>egnes i henhold til rundskriv 3/20<span class=\"_ _1\"></span>22 v<span class=\"_ _1\"></span>edlegg 4. </span><span style=\"display:inherit;clear:left;\">V<span class=\"_ _1\"></span>edlegg<span class=\"_ _1\"></span>e<span class=\"_ _1\"></span>t beskriver Finans<span class=\"_ _1\"></span>tils<span class=\"_ _1\"></span>ynets vur<span class=\"_ _1\"></span>dering a<span class=\"_ _1\"></span>v pilar 2<span class=\"_ _1\"></span>-kr<span class=\"_ _1\"></span>a<span class=\"_ _1\"></span>v </span><span style=\"display:inherit;clear:left;\">knyt<span class=\"_ _1\"></span>te<span class=\"_ _1\"></span>t til eierskap i f<span class=\"_ _1\"></span>orsikrings<span class=\"_ _1\"></span>virksomhe<span class=\"_ _1\"></span>ter<span class=\"_ _0\"></span>.</span><span style=\"display:inherit;clear:left;\">F<span class=\"_ _2\"></span>or operasjonell risiko an<span class=\"_ _1\"></span>vende<span class=\"_ _1\"></span>s regula<span class=\"_ _2\"></span>torisk kapital ogs\u00e5 til </span><span style=\"display:inherit;clear:left;\"><span><span style=\"display:inherit;clear:left;\">bankens in<span class=\"_ _1\"></span>terne k<span class=\"_ _1\"></span>apitalbehov<span class=\"_ _2\"></span>.</span></span> </span><span style=\"display:inherit;clear:left;\">Note 8 R<span class=\"_ _8\"></span>isi<span class=\"_ _8\"></span>kokla<span class=\"_ _8\"></span>ssi<span class=\"_ _8\"></span>fiser<span class=\"_ _8\"></span>i<span class=\"_ _8\"></span>ng av k<span class=\"_ _8\"></span>redit<span class=\"_ _8\"></span>tp<span class=\"_ _8\"></span>or<span class=\"_ _8\"></span>tef<span class=\"_ _0\"></span>\u00f8<span class=\"_ _8\"></span>ljen</span><span style=\"display:inherit;clear:left;\">Kredittrisik<span class=\"_ _1\"></span>o</span><span style=\"display:inherit;clear:left;\">Kredit<span class=\"_ _1\"></span>trisik<span class=\"_ _1\"></span>o er risikoen f<span class=\"_ _1\"></span>or tap dersom bank<span class=\"_ _1\"></span>ens kunder ikk<span class=\"_ _1\"></span>e </span><span style=\"display:inherit;clear:left;\">oppfyller sine f<span class=\"_ _1\"></span>orpliktelser o<span class=\"_ _1\"></span>v<span class=\"_ _1\"></span>erf<span class=\"_ _1\"></span>or konserne<span class=\"_ _1\"></span>t.  </span><span style=\"display:inherit;clear:left;\">Kredit<span class=\"_ _1\"></span>trisik<span class=\"_ _1\"></span>o oppst\u00e5r gjennom utl\u00e5n, kr<span class=\"_ _1\"></span>edit<span class=\"_ _1\"></span>ter<span class=\"_ _0\"></span>, garan<span class=\"_ _1\"></span>tier<span class=\"_ _0\"></span>, rem-</span><span style=\"display:inherit;clear:left;\">burser og ulike deriv<span class=\"_ _2\"></span>atf<span class=\"_ _1\"></span>orr<span class=\"_ _1\"></span>etning<span class=\"_ _1\"></span>er til personmark<span class=\"_ _1\"></span>eds- og </span><span style=\"display:inherit;clear:left;\">bedriftsmarkedsk<span class=\"_ _1\"></span>under<span class=\"_ _0\"></span>. Kredittrisik<span class=\"_ _1\"></span>o knyt<span class=\"_ _1\"></span>te<span class=\"_ _1\"></span>t til deriv<span class=\"_ _1\"></span>a<span class=\"_ _1\"></span>tf<span class=\"_ _1\"></span>orr<span class=\"_ _1\"></span>et<span class=\"_ _1\"></span>-</span><span style=\"display:inherit;clear:left;\">ninger kv<span class=\"_ _1\"></span>an<span class=\"_ _1\"></span>tifiser<span class=\"_ _1\"></span>es gjennom omr<span class=\"_ _1\"></span>egningsf<span class=\"_ _1\"></span>akt<span class=\"_ _1\"></span>or<span class=\"_ _1\"></span>er a<span class=\"_ _1\"></span>vhengig av </span><span style=\"display:inherit;clear:left;\">kon<span class=\"_ _1\"></span>tr<span class=\"_ _1\"></span>aktstype og l\u00f8pe<span class=\"_ _1\"></span>tid.</span><span style=\"display:inherit;clear:left;\">Risikoklas<span class=\"_ _1\"></span>sifisering a<span class=\"_ _1\"></span>v utl\u00e5n og gar<span class=\"_ _2\"></span>antier </span><span style=\"display:inherit;clear:left;\">M\u00e5ling a<span class=\"_ _1\"></span>v kr<span class=\"_ _1\"></span>edittrisik<span class=\"_ _1\"></span>o baserer seg p\u00e5 f<span class=\"_ _2\"></span>\u00f8lgende hov<span class=\"_ _1\"></span>edkomponen-</span><span style=\"display:inherit;clear:left;\">ter: i) misligholdssanns<span class=\"_ _1\"></span>ynlighe<span class=\"_ _1\"></span>t (PD), ii) f<span class=\"_ _1\"></span>orven<span class=\"_ _1\"></span>te<span class=\"_ _1\"></span>t eksponering </span><span style=\"display:inherit;clear:left;\">ved mislighold (EAD) og iii) t<span class=\"_ _1\"></span>ap gitt mislighold (L<span class=\"_ _1\"></span>GD). </span><span style=\"display:inherit;clear:left;\">i) Misligholdss<span class=\"_ _1\"></span>anns<span class=\"_ _1\"></span>ynlighe<span class=\"_ _1\"></span>t (PD)<span class=\"ff4\"> er definert som sanns<span class=\"_ _1\"></span>ynlighe-</span></span><span style=\"display:inherit;clear:left;\">ten f<span class=\"_ _1\"></span>or a<span class=\"_ _1\"></span>t kunden misligholder sit<span class=\"_ _1\"></span>t engasjemen<span class=\"_ _1\"></span>t i l\u00f8pe<span class=\"_ _1\"></span>t a<span class=\"_ _1\"></span>v de </span><span style=\"display:inherit;clear:left;\">nest<span class=\"_ _1\"></span>e 12 m\u00e5nedene. Mislighold kan v<span class=\"_ _1\"></span>\u00e6r<span class=\"_ _1\"></span>e bet<span class=\"_ _1\"></span>alingsmislighold ov<span class=\"_ _1\"></span>er </span><span style=\"display:inherit;clear:left;\">90 dager eller andr<span class=\"_ _1\"></span>e k<span class=\"_ _1\"></span>onkre<span class=\"_ _1\"></span>t<span class=\"_ _1\"></span>e forhold (\"unlik<span class=\"_ _1\"></span>eliness t<span class=\"_ _1\"></span>o pa<span class=\"_ _1\"></span>y\", jfr<span class=\"_ _0\"></span>. </span><span style=\"display:inherit;clear:left;\">CRR/CRD IV<span class=\"_ _1\"></span>-<span class=\"_ _1\"></span>f<span class=\"_ _1\"></span>orskrift<span class=\"_ _1\"></span>en), som p\u00e5<span class=\"_ _1\"></span>virker k<span class=\"_ _1\"></span>undens evne til \u00e5 be<span class=\"_ _1\"></span>tjene </span><span style=\"display:inherit;clear:left;\">sitt engasjemen<span class=\"_ _1\"></span>t. Misligholdssans<span class=\"_ _1\"></span>ynnlighet blir ber<span class=\"_ _1\"></span>egne<span class=\"_ _1\"></span>t v<span class=\"_ _1\"></span>ed </span><span style=\"display:inherit;clear:left;\">hjelp a<span class=\"_ _1\"></span>v sta<span class=\"_ _1\"></span>tis<span class=\"_ _1\"></span>tiske modeller (sc<span class=\"_ _1\"></span>or<span class=\"_ _1\"></span>ekort) b<span class=\"_ _1\"></span>y<span class=\"_ _1\"></span>gge<span class=\"_ _1\"></span>t p\u00e5 logistisk </span><span style=\"display:inherit;clear:left;\">regr<span class=\"_ _1\"></span>esjon. F<span class=\"_ _2\"></span>or \u00e5 gruppere kr<span class=\"_ _1\"></span>edit<span class=\"_ _1\"></span>tporte<span class=\"_ _1\"></span>f<span class=\"_ _1\"></span>\u00f8ljen i Sparebank<span class=\"_ _1\"></span>en V<span class=\"_ _2\"></span>est </span><span style=\"display:inherit;clear:left;\">benyt<span class=\"_ _1\"></span>tes de<span class=\"_ _1\"></span>t 11 risikoklas<span class=\"_ _1\"></span>ser fr<span class=\"_ _1\"></span>a A til K et<span class=\"_ _1\"></span>ter be<span class=\"_ _1\"></span>tjeningse<span class=\"_ _1\"></span>vne. </span><span style=\"display:inherit;clear:left;\">Risikoklasse K er eng<span class=\"_ _1\"></span>asjement i mislighold.</span><span style=\"display:inherit;clear:left;\">ii) F<span class=\"_ _2\"></span>orvent<span class=\"_ _1\"></span>et ek<span class=\"_ _1\"></span>sponering ved mis<span class=\"_ _1\"></span>lighold (EAD) <span class=\"ff4\">er en beregne<span class=\"_ _1\"></span>t </span></span><span style=\"display:inherit;clear:left;\">st<span class=\"_ _1\"></span>\u00f8rrelse som viser f<span class=\"_ _1\"></span>orv<span class=\"_ _1\"></span>en<span class=\"_ _1\"></span>te<span class=\"_ _1\"></span>t eksponering mo<span class=\"_ _1\"></span>t kunden p\u00e5 </span><span style=\"display:inherit;clear:left;\">tidspunkt for mislighold. EAD blir e<span class=\"_ _1\"></span>stimert som summen a<span class=\"_ _1\"></span>v </span><span style=\"display:inherit;clear:left;\">observert tr<span class=\"_ _1\"></span>ekk og f<span class=\"_ _1\"></span>orven<span class=\"_ _1\"></span>te<span class=\"_ _1\"></span>t tr<span class=\"_ _1\"></span>ekk p\u00e5 utrukne r<span class=\"_ _1\"></span>ammer<span class=\"_ _0\"></span>.</span><span style=\"display:inherit;clear:left;\">iii) T<span class=\"_ _2\"></span>ap git<span class=\"_ _1\"></span>t mislighold (L<span class=\"_ _2\"></span>GD) <span class=\"ff4\">angir tapsgraden f<span class=\"_ _1\"></span>or engasjemen<span class=\"_ _1\"></span>t i </span></span><span style=\"display:inherit;clear:left;\">mislighold uttrykt som pr<span class=\"_ _1\"></span>osent a<span class=\"_ _2\"></span>v EAD. F<span class=\"_ _2\"></span>or b\u00e5de personmarked </span><span style=\"display:inherit;clear:left;\">(PM) og bedriftsmarked (BM) blir denne k<span class=\"_ _1\"></span>alkulert basert p\u00e5 </span><span style=\"display:inherit;clear:left;\">int<span class=\"_ _1\"></span>erne modeller<span class=\"_ _0\"></span>. Pan<span class=\"_ _1\"></span>te<span class=\"_ _1\"></span>type, pant<span class=\"_ _1\"></span>ev<span class=\"_ _1\"></span>er<span class=\"_ _1\"></span>di og sanns<span class=\"_ _1\"></span>ynlighet<span class=\"_ _1\"></span>en f<span class=\"_ _1\"></span>or </span><span style=\"display:inherit;clear:left;\">tilfriskning er sentr<span class=\"_ _1\"></span>ale par<span class=\"_ _1\"></span>ame<span class=\"_ _1\"></span>ter<span class=\"_ _1\"></span>e i ber<span class=\"_ _1\"></span>egning<span class=\"_ _1\"></span>en a<span class=\"_ _1\"></span>v tapsgr<span class=\"_ _1\"></span>ad. I </span><span style=\"display:inherit;clear:left;\">tillegg til \u00e5 beregne f<span class=\"_ _1\"></span>orv<span class=\"_ _1\"></span>en<span class=\"_ _1\"></span>te<span class=\"_ _1\"></span>t tapsgr<span class=\"_ _1\"></span>ad, jus<span class=\"_ _1\"></span>ter<span class=\"_ _1\"></span>es de<span class=\"_ _1\"></span>t f<span class=\"_ _1\"></span>or ned-</span><span style=\"display:inherit;clear:left;\">gangskonjunktur v<span class=\"_ _1\"></span>ed \u00e5 ber<span class=\"_ _1\"></span>egne \u201d<span class=\"_ _1\"></span>down<span class=\"_ _1\"></span>turn L<span class=\"_ _2\"></span>GD\u201d. Et<span class=\"_ _1\"></span>tersom </span><span style=\"display:inherit;clear:left;\">banken har f<span class=\"_ _1\"></span>\u00e5<span class=\"_ _1\"></span>t<span class=\"_ _1\"></span>t AIRB-godkjenning, benyt<span class=\"_ _1\"></span>tes do<span class=\"_ _1\"></span>wn<span class=\"_ _1\"></span>turn L<span class=\"_ _1\"></span>GD fr<span class=\"_ _1\"></span>a </span><span style=\"display:inherit;clear:left;\">bankens in<span class=\"_ _1\"></span>terne modeller i ber<span class=\"_ _1\"></span>egning a<span class=\"_ _1\"></span>v k<span class=\"_ _1\"></span>apitaldekning for b\u00e5<span class=\"_ _1\"></span>de </span><span style=\"display:inherit;clear:left;\">PM og BM. Unntak gjelder f<span class=\"_ _1\"></span>or boligl\u00e5nsport<span class=\"_ _1\"></span>ef<span class=\"_ _1\"></span>\u00f8ljen der de<span class=\"_ _1\"></span>t er kr<span class=\"_ _1\"></span>a<span class=\"_ _1\"></span>v </span><span style=\"display:inherit;clear:left;\">om a<span class=\"_ _1\"></span>t L<span class=\"_ _1\"></span>GD som ben<span class=\"_ _1\"></span>ytt<span class=\"_ _1\"></span>es i kapitaldekning skal ber<span class=\"_ _1\"></span>egnes i henhold </span><span style=\"display:inherit;clear:left;\">til en re<span class=\"_ _1\"></span>f<span class=\"_ _1\"></span>er<span class=\"_ _1\"></span>ansemodell gitt a<span class=\"_ _1\"></span>v Finanstils<span class=\"_ _1\"></span>yne<span class=\"_ _1\"></span>t.</span><span style=\"display:inherit;clear:left;\">Scor<span class=\"_ _1\"></span>ekortmodellene er s<span class=\"_ _1\"></span>ta<span class=\"_ _1\"></span>tistisk<span class=\"_ _1\"></span>e modeller f<span class=\"_ _1\"></span>or \u00e5 pr<span class=\"_ _1\"></span>ediker<span class=\"_ _1\"></span>e </span><span style=\"display:inherit;clear:left;\">fram<span class=\"_ _1\"></span>tidig<span class=\"_ _1\"></span>e utf<span class=\"_ _1\"></span>all. Her anv<span class=\"_ _1\"></span>endes da<span class=\"_ _1\"></span>ta fr<span class=\"_ _1\"></span>a in<span class=\"_ _1\"></span>terne og ek<span class=\"_ _1\"></span>st<span class=\"_ _1\"></span>erne </span><span style=\"display:inherit;clear:left;\">kilder<span class=\"_ _2\"></span>, og alle engasjemen<span class=\"_ _1\"></span>t risikoklas<span class=\"_ _1\"></span>sifiser<span class=\"_ _1\"></span>es m\u00e5nedlig. F<span class=\"_ _1\"></span>or alle </span><span style=\"display:inherit;clear:left;\">engasjemen<span class=\"_ _1\"></span>t har banken aut<span class=\"_ _1\"></span>oma<span class=\"_ _1\"></span>tisert f<span class=\"_ _1\"></span>angst a<span class=\"_ _1\"></span>v risik<span class=\"_ _1\"></span>oda<span class=\"_ _1\"></span>ta. F<span class=\"_ _2\"></span>or </span><span style=\"display:inherit;clear:left;\">bedriftsengasjemen<span class=\"_ _1\"></span>t er det i tillegg manuell opp<span class=\"_ _1\"></span>f<span class=\"_ _1\"></span>\u00f8lging og </span><span style=\"display:inherit;clear:left;\">oppda<span class=\"_ _1\"></span>tering med en fr<span class=\"_ _1\"></span>ekv<span class=\"_ _1\"></span>ens a<span class=\"_ _1\"></span>vhengig a<span class=\"_ _1\"></span>v engasjemen<span class=\"_ _1\"></span>te<span class=\"_ _1\"></span>ts </span><span style=\"display:inherit;clear:left;\">st<span class=\"_ _1\"></span>\u00f8rrelse o<span class=\"_ _1\"></span>g risiko<span class=\"_ _1\"></span>. Risikoklas<span class=\"_ _1\"></span>sifiseringen gir n\u00f8kkeltall som er </span><span style=\"display:inherit;clear:left;\">sentr<span class=\"_ _1\"></span>ale i s<span class=\"_ _1\"></span>tyringen a<span class=\"_ _1\"></span>v bank<span class=\"_ _1\"></span>en. </span><span style=\"display:inherit;clear:left;\">Risikoklas<span class=\"_ _1\"></span>ser basert p\u00e5 misligholdssanns<span class=\"_ _1\"></span>ynlighe<span class=\"_ _1\"></span>t</span><span style=\"display:inherit;clear:left;\">Risikoklas<span class=\"_ _1\"></span>se<span class=\"_ _7a\"> </span>F<span class=\"_ _1\"></span>r<span class=\"_ _1\"></span>a og med<span class=\"_ _97\"> </span><span class=\"ls84 wsdf\">Til</span></span><span style=\"display:inherit;clear:left;\">A<span class=\"_ _182\"> </span><span class=\"ls109 ws16b\">0,0<span class=\"_ _8\"></span>0 %<span class=\"_ _86\"> </span></span>0,<span class=\"_ _2\"></span>10 %</span><span style=\"display:inherit;clear:left;\">B<span class=\"_ _1f9\"> </span>0,<span class=\"_ _0\"></span>10 %<span class=\"_ _6b\"> </span>0<span class=\"_ _1\"></span>,2<span class=\"_ _1\"></span>5 %</span><span style=\"display:inherit;clear:left;\">C<span class=\"_ _1fa\"> </span>0,2<span class=\"_ _1\"></span>5 %<span class=\"_ _83\"> </span><span class=\"ls109 ws16b\">0,5<span class=\"_ _8\"></span>0 %</span></span><span style=\"display:inherit;clear:left;\">D<span class=\"_ _182\"> </span><span class=\"ls109 ws16b\">0,5<span class=\"_ _8\"></span>0 %<span class=\"_ _85\"> </span></span>0,<span class=\"_ _1\"></span>90 %</span><span style=\"display:inherit;clear:left;\">E<span class=\"_ _f4\"> </span>0,90 %<span class=\"_ _8e\"> </span>1,50 %</span><span style=\"display:inherit;clear:left;\">F<span class=\"_ _1fb\"> </span>1,50 %<span class=\"_ _9b\"> </span>2,<span class=\"_ _2\"></span>75 %</span><span style=\"display:inherit;clear:left;\">G<span class=\"_ _15e\"> </span>2,<span class=\"_ _2\"></span>75 %<span class=\"_ _83\"> </span>5,<span class=\"_ _1\"></span>00 %</span><span style=\"display:inherit;clear:left;\">H<span class=\"_ _182\"> </span>5,<span class=\"_ _1\"></span>00 %<span class=\"_ _cc\"> </span>10,<span class=\"_ _1\"></span>00 %</span><span style=\"display:inherit;clear:left;\">I<span class=\"_ _182\"> </span>10<span class=\"_ _1\"></span>,<span class=\"_ _1\"></span>00 %<span class=\"_ _131\"> </span>25,<span class=\"_ _1\"></span>00 %</span><span style=\"display:inherit;clear:left;\">J<span class=\"_ _ad\"> </span>25<span class=\"_ _1\"></span>,00 %<span class=\"_ _ea\"> </span>100,00 %</span><span style=\"display:inherit;clear:left;\">K<span class=\"_ _14e\"> </span>100,<span class=\"_ _1\"></span>00 %<span class=\"_ _5c\"> </span>100,<span class=\"_ _1\"></span>00 %</span><span style=\"display:inherit;clear:left;\">KONSERN<span class=\"_ _23\"> </span><span class=\"lsd wsd\">Engasjementsbel\u00f8p<span class=\"_ _76\"> </span><span class=\"ls5 ws5\">Ned<span class=\"_ _8\"></span>skriving</span></span></span><span style=\"display:inherit;clear:left;\">Sum pr<span class=\"_ _2\"></span>.<span class=\"ls0 ws0\"> </span></span><span style=\"display:inherit;clear:left;\">Sum pr<span class=\"_ _2\"></span>.<span class=\"ls0 ws0\"> </span></span><span style=\"display:inherit;clear:left;\">Sum pr<span class=\"_ _2\"></span>.<span class=\"ls0 ws0\"> </span></span><span style=\"display:inherit;clear:left;\">Sum pr<span class=\"_ _2\"></span>.<span class=\"ls0 ws0\"> </span></span><span style=\"display:inherit;clear:left;\">Steg 1<span class=\"_ _5c\"> </span>Steg 2<span class=\"_ _c6\"> </span>Ste<span class=\"_ _8\"></span>g 3</span><span style=\"display:inherit;clear:left;\">3<span class=\"_ _8\"></span>1/<span class=\"_ _a\"></span>1<span class=\"_ _8\"></span>2-2<span class=\"_ _8\"></span>3</span><span style=\"display:inherit;clear:left;\">3<span class=\"_ _8\"></span>1/<span class=\"_ _a\"></span>1<span class=\"_ _8\"></span>2-2<span class=\"_ _8\"></span>2<span class=\"_ _9e\"> </span><span class=\"lsa wsa\">Steg 1<span class=\"_ _ea\"> </span>St<span class=\"_ _8\"></span>eg 2<span class=\"_ _c6\"> </span>Ste<span class=\"_ _8\"></span>g 3</span></span><span style=\"display:inherit;clear:left;\">3<span class=\"_ _8\"></span>1/<span class=\"_ _a\"></span>1<span class=\"_ _8\"></span>2-2<span class=\"_ _8\"></span>3</span><span style=\"display:inherit;clear:left;\">3<span class=\"_ _8\"></span>1/<span class=\"_ _a\"></span>1<span class=\"_ _8\"></span>2-2<span class=\"_ _8\"></span>2</span><span style=\"display:inherit;clear:left;\">Bedriftsmarked</span><span style=\"display:inherit;clear:left;\">A-D<span class=\"_ _cf\"> </span><span class=\"ls0 ws0\">3<span class=\"_ _8\"></span>0 400<span class=\"_ _cc\"> </span>3 118<span class=\"_ _78\"> </span>0<span class=\"_ _19\"> </span>33 518<span class=\"_ _c1\"> </span>30 903<span class=\"_ _8d\"> </span><span class=\"ls128 ws1d2\">83<span class=\"_ _94\"> </span><span class=\"ls33 ws84\">58<span class=\"_ _17\"> </span></span></span>0<span class=\"_ _86\"> </span><span class=\"ls131 ws1dd\">1<span class=\"_ _8\"></span>41<span class=\"_ _74\"> </span></span>65</span></span><span style=\"display:inherit;clear:left;\">E-<span class=\"_ _8\"></span>H<span class=\"_ _e1\"> </span></span><span style=\"display:inherit;clear:left;\">28 051<span class=\"_ _19a\"> </span>7 101<span class=\"_ _78\"> </span>0<span class=\"_ _19\"> </span>35 152<span class=\"_ _5a\"> </span></span><span style=\"display:inherit;clear:left;\">32<span class=\"_ _a\"></span> 6<span class=\"_ _8\"></span>87<span class=\"_ _14\"> </span></span><span style=\"display:inherit;clear:left;\">167<span class=\"_ _74\"> </span><span class=\"ls82 ws14b\">97<span class=\"_ _17\"> </span></span></span><span style=\"display:inherit;clear:left;\">0</span><span style=\"display:inherit;clear:left;\"><span class=\"_ _cd\"> </span><span class=\"ls125 ws1cf\">26<span class=\"_ _8\"></span>4<span class=\"_ _83\"> </span><span class=\"ls139 ws1e6\">338</span></span></span><span style=\"display:inherit;clear:left;\">I-J<span class=\"_ _16a\"> </span></span><span style=\"display:inherit;clear:left;\">1 662<span class=\"_ _8a\"> </span><span class=\"ls123 ws1cd\">802<span class=\"_ _17\"> </span></span>0<span class=\"_ _5b\"> </span>2 464<span class=\"_ _1b4\"> </span></span><span style=\"display:inherit;clear:left;\">2 040<span class=\"_ _e9\"> </span></span><span style=\"display:inherit;clear:left;\">14<span class=\"_ _94\"> </span><span class=\"ls122 ws1cc\">26<span class=\"_ _78\"> </span></span></span><span style=\"display:inherit;clear:left;\">0</span><span style=\"display:inherit;clear:left;\"><span class=\"_ _6e\"> </span><span class=\"ls133 ws1e0\">40<span class=\"_ _94\"> </span><span class=\"ls135 ws1e2\">89</span></span></span><span style=\"display:inherit;clear:left;\">K<span class=\"_ _1d1\"> </span>2<span class=\"_ _17\"> </span>0<span class=\"_ _131\"> </span><span class=\"lsa wsa\">1 237<span class=\"_ _c7\"> </span></span>1 23<span class=\"_ _8\"></span>9<span class=\"_ _a8\"> </span>1 0<span class=\"_ _8\"></span>20<span class=\"_ _4a\"> </span>0<span class=\"_ _17\"> </span>0<span class=\"_ _90\"> </span><span class=\"ls11 ws11\">400<span class=\"_ _90\"> </span>400<span class=\"_ _8a\"> </span><span class=\"ls33 ws84\">36<span class=\"_ _8\"></span>3</span></span></span><span style=\"display:inherit;clear:left;\">T<span class=\"_ _2\"></span>otalt bedr<span class=\"_ _1\"></span>ifts<span class=\"_ _1\"></span><span class=\"ls0 ws0\">-</span></span><span style=\"display:inherit;clear:left;\">marked<span class=\"_ _ee\"> </span></span><span style=\"display:inherit;clear:left;\">60 1<span class=\"_ _8\"></span>14<span class=\"_ _5c\"> </span></span><span style=\"display:inherit;clear:left;\">11 0<span class=\"_ _8\"></span>21<span class=\"_ _d8\"> </span></span><span style=\"display:inherit;clear:left;\">1 2<span class=\"_ _8\"></span>37<span class=\"_ _bf\"> </span></span><span style=\"display:inherit;clear:left;\">72 3<span class=\"_ _8\"></span>72<span class=\"_ _c2\"> </span></span><span style=\"display:inherit;clear:left;\">66 6<span class=\"_ _8\"></span>50<span class=\"_ _ba\"> </span></span><span style=\"display:inherit;clear:left;\">264<span class=\"_ _189\"> </span></span><span style=\"display:inherit;clear:left;\">181<span class=\"_ _b7\"> </span></span><span style=\"display:inherit;clear:left;\">400<span class=\"_ _89\"> </span><span class=\"ls11 ws11\">845<span class=\"_ _89\"> </span><span class=\"lse wse\">855</span></span></span><span style=\"display:inherit;clear:left;\">Sum pr<span class=\"_ _2\"></span>.<span class=\"ls0 ws0\"> </span></span><span style=\"display:inherit;clear:left;\">Sum pr<span class=\"_ _2\"></span>.<span class=\"ls0 ws0\"> </span></span><span style=\"display:inherit;clear:left;\">Sum pr<span class=\"_ _2\"></span>.<span class=\"ls0 ws0\"> </span></span><span style=\"display:inherit;clear:left;\">Sum pr<span class=\"_ _2\"></span>.<span class=\"ls0 ws0\"> </span></span><span style=\"display:inherit;clear:left;\">Steg 1<span class=\"_ _5c\"> </span>Steg 2<span class=\"_ _c6\"> </span>Ste<span class=\"_ _8\"></span>g 3</span><span style=\"display:inherit;clear:left;\">3<span class=\"_ _8\"></span>1/<span class=\"_ _a\"></span>1<span class=\"_ _8\"></span>2-2<span class=\"_ _8\"></span>3</span><span style=\"display:inherit;clear:left;\">3<span class=\"_ _8\"></span>1/<span class=\"_ _a\"></span>1<span class=\"_ _8\"></span>2-2<span class=\"_ _8\"></span>2<span class=\"_ _9e\"> </span><span class=\"lsa wsa\">Steg 1<span class=\"_ _ea\"> </span>St<span class=\"_ _8\"></span>eg 2<span class=\"_ _c6\"> </span>Ste<span class=\"_ _8\"></span>g 3</span></span><span style=\"display:inherit;clear:left;\">3<span class=\"_ _8\"></span>1/<span class=\"_ _a\"></span>1<span class=\"_ _8\"></span>2-2<span class=\"_ _8\"></span>3</span><span style=\"display:inherit;clear:left;\">3<span class=\"_ _8\"></span>1/<span class=\"_ _a\"></span>1<span class=\"_ _8\"></span>2-2<span class=\"_ _8\"></span>2</span><span style=\"display:inherit;clear:left;\">Priva<span class=\"_ _1\"></span>tmark<span class=\"_ _1\"></span>ed</span><span style=\"display:inherit;clear:left;\">A-D<span class=\"_ _1c\"> </span></span><span style=\"display:inherit;clear:left;\">170 9<span class=\"_ _8\"></span>32<span class=\"_ _131\"> </span></span><span style=\"display:inherit;clear:left;\">1<span class=\"_ _8\"></span> 74<span class=\"_ _a\"></span>5<span class=\"_ _16\"> </span><span class=\"ls0 ws0\">0<span class=\"_ _c2\"> </span>17<span class=\"_ _1\"></span>2 6<span class=\"_ _1\"></span>7<span class=\"_ _1\"></span>6<span class=\"_ _59\"> </span>152 83<span class=\"_ _1\"></span>7<span class=\"_ _8d\"> </span><span class=\"lse wse\">38<span class=\"_ _78\"> </span></span>6<span class=\"_ _78\"> </span>0<span class=\"_ _6f\"> </span>44<span class=\"_ _93\"> </span>10</span></span><span style=\"display:inherit;clear:left;\">E-<span class=\"_ _8\"></span>H<span class=\"_ _e1\"> </span></span><span style=\"display:inherit;clear:left;\">31<span class=\"_ _8\"></span> 070<span class=\"_ _d8\"> </span></span><span style=\"display:inherit;clear:left;\">3 481<span class=\"_ _78\"> </span>0<span class=\"_ _10e\"> </span></span><span style=\"display:inherit;clear:left;\">34 5<span class=\"_ _8\"></span>50<span class=\"_ _c3\"> </span></span><span style=\"display:inherit;clear:left;\">28 5<span class=\"_ _8\"></span>43<span class=\"_ _8b\"> </span></span><span style=\"display:inherit;clear:left;\">14<span class=\"_ _94\"> </span><span class=\"ls122 ws1cc\">26<span class=\"_ _17\"> </span></span></span><span style=\"display:inherit;clear:left;\">0</span><span style=\"display:inherit;clear:left;\"><span class=\"_ _6e\"> </span><span class=\"ls133 ws1e0\">40<span class=\"_ _94\"> </span><span class=\"ls12c ws1d6\">30</span></span></span><span style=\"display:inherit;clear:left;\">I-J<span class=\"_ _16a\"> </span></span><span style=\"display:inherit;clear:left;\">1 502<span class=\"_ _c7\"> </span><span class=\"ls9 ws9\">1 632<span class=\"_ _78\"> </span></span>0<span class=\"_ _d8\"> </span>3 134<span class=\"_ _131\"> </span>2 8<span class=\"_ _1\"></span>21<span class=\"_ _a1\"> </span>3<span class=\"_ _74\"> </span><span class=\"ls12d ws1d7\">33<span class=\"_ _18\"> </span></span>0<span class=\"_ _74\"> </span><span class=\"ls12c ws1d6\">36<span class=\"_ _ba\"> </span><span class=\"ls122 ws1cc\">43</span></span></span><span style=\"display:inherit;clear:left;\">K<span class=\"_ _1fc\"> </span>0<span class=\"_ _17\"> </span>0<span class=\"_ _87\"> </span></span><span style=\"display:inherit;clear:left;\">32<span class=\"_ _8\"></span>2<span class=\"_ _87\"> </span>322<span class=\"_ _83\"> </span><span class=\"ls120 ws1cb\">273<span class=\"_ _a1\"> </span></span></span><span style=\"display:inherit;clear:left;\">0</span><span style=\"display:inherit;clear:left;\"><span class=\"_ _17\"> </span></span><span style=\"display:inherit;clear:left;\">0</span><span style=\"display:inherit;clear:left;\"><span class=\"_ _ba\"> </span><span class=\"lse wse\">60<span class=\"_ _ba\"> </span>60<span class=\"_ _74\"> </span><span class=\"lsa wsa\">37</span></span></span><span style=\"display:inherit;clear:left;\">T<span class=\"_ _2\"></span>otalt priva<span class=\"_ _1\"></span>tmark<span class=\"_ _1\"></span>ed<span class=\"_ _1fd\"> </span></span><span style=\"display:inherit;clear:left;\">203 504<span class=\"_ _10a\"> </span><span class=\"ls92 wsee\">6 857<span class=\"_ _8a\"> </span><span class=\"ls9 ws9\">322<span class=\"_ _b9\"> </span></span></span>2<span class=\"_ _8\"></span>10 683<span class=\"_ _11a\"> </span></span><span style=\"display:inherit;clear:left;\">1<span class=\"_ _8\"></span>8<span class=\"_ _a\"></span>4<span class=\"_ _8\"></span> 47<span class=\"_ _8\"></span>3<span class=\"_ _3e\"> </span></span><span style=\"display:inherit;clear:left;\">55<span class=\"_ _6e\"> </span></span><span style=\"display:inherit;clear:left;\">66<span class=\"_ _6e\"> </span>60<span class=\"_ _189\"> </span><span class=\"ls12 ws12\">181<span class=\"_ _83\"> </span><span class=\"ls11f ws1ca\">120</span></span></span><span style=\"display:inherit;clear:left;\">Sum<span class=\"_ _f3\"> </span><span class=\"ls0 ws0\">26<span class=\"_ _8\"></span>3 618<span class=\"_ _113\"> </span><span class=\"ls62 wsb6\">17 8<span class=\"_ _8\"></span>78<span class=\"_ _a3\"> </span></span>1 559<span class=\"_ _1fe\"> </span>283 0<span class=\"_ _8\"></span>55<span class=\"_ _bd\"> </span><span class=\"ls92 wsee\">22<span class=\"_ _8\"></span>9 173<span class=\"_ _72\"> </span><span class=\"ls11f ws1ca\">319<span class=\"_ _cd\"> </span><span class=\"ls145 ws1f4\">2<span class=\"_ _a\"></span>47<span class=\"_ _83\"> </span><span class=\"ls33 ws84\">461<span class=\"_ _9f\"> </span></span></span></span></span>1 026<span class=\"_ _87\"> </span><span class=\"ls15 ws15\">976</span></span></span><span style=\"display:inherit;clear:left;\">Nedskriving utl\u00e5n<span class=\"_ _1\"></span> (saldo<span class=\"_ _1\"></span>)<span class=\"_ _1ff\"> </span><span class=\"ls132 ws1de\">878<span class=\"_ _87\"> </span><span class=\"ls82 ws14b\">880</span></span></span><span style=\"display:inherit;clear:left;\">Nedskriving ubenyttet<span class=\"_ _1\"></span> kreditt, l\u00e5neti<span class=\"_ _1\"></span>lsagn og garan<span class=\"_ _1\"></span>tier<span class=\"_ _200\"> </span><span class=\"lsa wsa\">149<span class=\"_ _94\"> </span></span>96</span><span style=\"display:inherit;clear:left;\">Sum nedskrivinger<span class=\"_ _201\"> </span><span class=\"ls11f ws1ca\">1026<span class=\"_ _8a\"> </span><span class=\"ls15 ws15\">9<span class=\"_ _8\"></span>76</span></span></span><span style=\"display:inherit;clear:left;\">MORBANK<span class=\"_ _194\"> </span><span class=\"lsd wsd\">Enga<span class=\"_ _8\"></span>sjementsbel\u00f8p<span class=\"_ _76\"> </span><span class=\"ls5 ws5\">Nedskriving</span></span></span><span style=\"display:inherit;clear:left;\">Sum pr<span class=\"_ _2\"></span>.<span class=\"ls0 ws0\"> </span></span><span style=\"display:inherit;clear:left;\">Sum pr<span class=\"_ _2\"></span>.<span class=\"ls0 ws0\"> </span></span><span style=\"display:inherit;clear:left;\">Sum pr<span class=\"_ _2\"></span>.<span class=\"ls0 ws0\"> </span></span><span style=\"display:inherit;clear:left;\">Sum pr<span class=\"_ _2\"></span>.<span class=\"ls0 ws0\"> </span></span><span style=\"display:inherit;clear:left;\">Steg 1<span class=\"_ _5c\"> </span>Steg 2<span class=\"_ _c6\"> </span>Ste<span class=\"_ _8\"></span>g 3</span><span style=\"display:inherit;clear:left;\">3<span class=\"_ _8\"></span>1/<span class=\"_ _a\"></span>1<span class=\"_ _8\"></span>2-2<span class=\"_ _8\"></span>3</span><span style=\"display:inherit;clear:left;\">3<span class=\"_ _8\"></span>1/<span class=\"_ _a\"></span>1<span class=\"_ _8\"></span>2-2<span class=\"_ _8\"></span>2<span class=\"_ _9e\"> </span><span class=\"lsa wsa\">Steg 1<span class=\"_ _ea\"> </span>St<span class=\"_ _8\"></span>eg 2<span class=\"_ _c6\"> </span>Ste<span class=\"_ _8\"></span>g 3</span></span><span style=\"display:inherit;clear:left;\">3<span class=\"_ _8\"></span>1/<span class=\"_ _a\"></span>1<span class=\"_ _8\"></span>2-2<span class=\"_ _8\"></span>3</span><span style=\"display:inherit;clear:left;\">3<span class=\"_ _8\"></span>1/<span class=\"_ _a\"></span>1<span class=\"_ _8\"></span>2-2<span class=\"_ _8\"></span>2</span><span style=\"display:inherit;clear:left;\">Bedriftsmarked</span><span style=\"display:inherit;clear:left;\">A-D<span class=\"_ _5e\"> </span></span><span style=\"display:inherit;clear:left;\">28 8<span class=\"_ _8\"></span>79<span class=\"_ _9e\"> </span><span class=\"ls0 ws0\">3 093<span class=\"_ _78\"> </span>0<span class=\"_ _ea\"> </span><span class=\"ls6 ws6\">3<span class=\"_ _8\"></span>1<span class=\"_ _8\"></span> 97<span class=\"_ _8\"></span>3<span class=\"_ _5a\"> </span><span class=\"ls125 ws1cf\">29 256<span class=\"_ _3e\"> </span><span class=\"ls128 ws1d2\">83<span class=\"_ _ba\"> </span><span class=\"ls33 ws84\">58<span class=\"_ _78\"> </span></span></span></span></span>0<span class=\"_ _86\"> </span><span class=\"ls131 ws1dd\">1<span class=\"_ _8\"></span>41<span class=\"_ _74\"> </span></span>65</span></span><span style=\"display:inherit;clear:left;\">E-<span class=\"_ _8\"></span>H<span class=\"_ _e8\"> </span></span><span style=\"display:inherit;clear:left;\">27 6<span class=\"_ _8\"></span>75<span class=\"_ _9e\"> </span></span><span style=\"display:inherit;clear:left;\">6 9<span class=\"_ _8\"></span>95<span class=\"_ _17\"> </span>0<span class=\"_ _c3\"> </span><span class=\"ls4a ws9d\">3<span class=\"_ _8\"></span>4<span class=\"_ _8\"></span> 670<span class=\"_ _a5\"> </span></span>32 162<span class=\"_ _72\"> </span></span><span style=\"display:inherit;clear:left;\">166<span class=\"_ _94\"> </span><span class=\"ls5 ws5\">96<span class=\"_ _17\"> </span></span></span><span style=\"display:inherit;clear:left;\">0</span><span style=\"display:inherit;clear:left;\"><span class=\"_ _87\"> </span><span class=\"ls125 ws1cf\">262<span class=\"_ _83\"> </span><span class=\"ls139 ws1e6\">3<span class=\"_ _8\"></span>38</span></span></span><span style=\"display:inherit;clear:left;\">I-J<span class=\"_ _202\"> </span></span><span style=\"display:inherit;clear:left;\">1 610<span class=\"_ _87\"> </span><span class=\"ls124 ws1ce\">74<span class=\"_ _a\"></span>5<span class=\"_ _8d\"> </span></span>0<span class=\"_ _10b\"> </span></span><span style=\"display:inherit;clear:left;\">2<span class=\"_ _8\"></span> 354<span class=\"_ _131\"> </span></span><span style=\"display:inherit;clear:left;\">1 929<span class=\"_ _e9\"> </span></span><span style=\"display:inherit;clear:left;\">14<span class=\"_ _94\"> </span><span class=\"ls122 ws1cc\">26<span class=\"_ _78\"> </span></span></span><span style=\"display:inherit;clear:left;\">0</span><span style=\"display:inherit;clear:left;\"><span class=\"_ _108\"> </span><span class=\"ls133 ws1e0\">40<span class=\"_ _5d\"> </span><span class=\"ls132 ws1de\">87</span></span></span><span style=\"display:inherit;clear:left;\">K<span class=\"_ _1d1\"> </span>2<span class=\"_ _17\"> </span>0<span class=\"_ _d8\"> </span>1 230<span class=\"_ _131\"> </span><span class=\"ls9 ws9\">1 232<span class=\"_ _131\"> </span></span>1 01<span class=\"_ _8\"></span>0<span class=\"_ _4a\"> </span>0<span class=\"_ _17\"> </span>0<span class=\"_ _90\"> </span><span class=\"ls11 ws11\">400<span class=\"_ _90\"> </span>400<span class=\"_ _8a\"> </span><span class=\"ls33 ws84\">363</span></span></span><span style=\"display:inherit;clear:left;\">T<span class=\"_ _2\"></span>otalt bedr<span class=\"_ _1\"></span>ifts<span class=\"_ _1\"></span><span class=\"ls0 ws0\">-</span></span><span style=\"display:inherit;clear:left;\">marked<span class=\"_ _2d\"> </span></span><span style=\"display:inherit;clear:left;\">58 16<span class=\"_ _8\"></span>5<span class=\"_ _bf\"> </span>10 8<span class=\"_ _8\"></span>33<span class=\"_ _a8\"> </span>1 230<span class=\"_ _10e\"> </span></span><span style=\"display:inherit;clear:left;\">70<span class=\"_ _8\"></span> 2<span class=\"_ _8\"></span>29<span class=\"_ _10e\"> </span><span class=\"ls92 wsee\">64 3<span class=\"_ _8\"></span>57<span class=\"_ _74\"> </span><span class=\"ls11f ws1ca\">263<span class=\"_ _6b\"> </span></span>179<span class=\"_ _b7\"> </span><span class=\"ls123 ws1cd\">400<span class=\"_ _dd\"> </span><span class=\"ls11 ws11\">84<span class=\"_ _8\"></span>3<span class=\"_ _cd\"> </span></span></span>852</span></span><span style=\"display:inherit;clear:left;\">Sum pr<span class=\"_ _2\"></span>.<span class=\"ls0 ws0\"> </span></span><span style=\"display:inherit;clear:left;\">Sum pr<span class=\"_ _2\"></span>.<span class=\"ls0 ws0\"> </span></span><span style=\"display:inherit;clear:left;\">Sum pr<span class=\"_ _2\"></span>.<span class=\"ls0 ws0\"> </span></span><span style=\"display:inherit;clear:left;\">Sum pr<span class=\"_ _2\"></span>.<span class=\"ls0 ws0\"> </span></span><span style=\"display:inherit;clear:left;\">Steg 1<span class=\"_ _5c\"> </span>Steg 2<span class=\"_ _c6\"> </span>Ste<span class=\"_ _8\"></span>g 3</span><span style=\"display:inherit;clear:left;\">3<span class=\"_ _8\"></span>1/<span class=\"_ _a\"></span>1<span class=\"_ _8\"></span>2-2<span class=\"_ _8\"></span>3</span><span style=\"display:inherit;clear:left;\">3<span class=\"_ _8\"></span>1/<span class=\"_ _a\"></span>1<span class=\"_ _8\"></span>2-2<span class=\"_ _8\"></span>2<span class=\"_ _9e\"> </span><span class=\"lsa wsa\">Steg 1<span class=\"_ _ea\"> </span>St<span class=\"_ _8\"></span>eg 2<span class=\"_ _c6\"> </span>Ste<span class=\"_ _8\"></span>g 3</span></span><span style=\"display:inherit;clear:left;\">3<span class=\"_ _8\"></span>1/<span class=\"_ _a\"></span>1<span class=\"_ _8\"></span>2-2<span class=\"_ _8\"></span>3</span><span style=\"display:inherit;clear:left;\">3<span class=\"_ _8\"></span>1/<span class=\"_ _a\"></span>1<span class=\"_ _8\"></span>2-2<span class=\"_ _8\"></span>2</span><span style=\"display:inherit;clear:left;\">Priva<span class=\"_ _1\"></span>tmark<span class=\"_ _1\"></span>ed</span><span style=\"display:inherit;clear:left;\">A-D<span class=\"_ _e8\"> </span></span><span style=\"display:inherit;clear:left;\">48<span class=\"_ _8\"></span> 179<span class=\"_ _cd\"> </span></span><span style=\"display:inherit;clear:left;\">6<span class=\"_ _8\"></span>42<span class=\"_ _78\"> </span><span class=\"ls0 ws0\">0<span class=\"_ _111\"> </span>48 821<span class=\"_ _c3\"> </span><span class=\"ls12f ws1d9\">40<span class=\"_ _8\"></span> 573<span class=\"_ _9a\"> </span><span class=\"ls123 ws1cd\">16<span class=\"_ _91\"> </span></span></span>1<span class=\"_ _17\"> </span>0<span class=\"_ _72\"> </span>18<span class=\"_ _8d\"> </span>7</span></span><span style=\"display:inherit;clear:left;\">E-<span class=\"_ _8\"></span>H<span class=\"_ _16f\"> </span><span class=\"ls0 ws0\">10 600<span class=\"_ _db\"> </span>1 2<span class=\"_ _8\"></span>23<span class=\"_ _17\"> </span>0<span class=\"_ _1b4\"> </span>11 822<span class=\"_ _10b\"> </span>8 634<span class=\"_ _a1\"> </span>6<span class=\"_ _16\"> </span>9<span class=\"_ _78\"> </span>0<span class=\"_ _5d\"> </span>14<span class=\"_ _93\"> </span>14</span></span><span style=\"display:inherit;clear:left;\">I-J<span class=\"_ _181\"> </span></span><span style=\"display:inherit;clear:left;\">836<span class=\"_ _83\"> </span><span class=\"ls82 ws14b\">697<span class=\"_ _17\"> </span><span class=\"ls0 ws0\">0<span class=\"_ _d8\"> </span></span></span></span><span style=\"display:inherit;clear:left;\">1 5<span class=\"_ _8\"></span>34<span class=\"_ _db\"> </span></span><span style=\"display:inherit;clear:left;\">1<span class=\"_ _8\"></span> 262<span class=\"_ _a2\"> </span><span class=\"ls0 ws0\">2<span class=\"_ _1b\"> </span><span class=\"ls121 wsaa\">15<span class=\"_ _17\"> </span></span>0<span class=\"_ _72\"> </span>17<span class=\"_ _74\"> </span><span class=\"ls21 ws175\">23</span></span></span><span style=\"display:inherit;clear:left;\">K<span class=\"_ _1fc\"> </span>0<span class=\"_ _17\"> </span>0<span class=\"_ _8a\"> </span></span><span style=\"display:inherit;clear:left;\">202<span class=\"_ _cd\"> </span>20<span class=\"_ _8\"></span>2<span class=\"_ _6b\"> </span><span class=\"ls12 ws12\">139<span class=\"_ _4a\"> </span></span></span><span style=\"display:inherit;clear:left;\">0</span><span style=\"display:inherit;clear:left;\"><span class=\"_ _78\"> </span></span><span style=\"display:inherit;clear:left;\">0</span><span style=\"display:inherit;clear:left;\"><span class=\"_ _94\"> </span><span class=\"ls33 ws84\">39<span class=\"_ _94\"> </span>39<span class=\"_ _74\"> </span><span class=\"lsa wsa\">27</span></span></span><span style=\"display:inherit;clear:left;\">T<span class=\"_ _2\"></span>otalt priva<span class=\"_ _1\"></span>tmark<span class=\"_ _1\"></span>ed<span class=\"_ _c3\"> </span></span><span style=\"display:inherit;clear:left;\">59 615<span class=\"_ _9e\"> </span>2 562<span class=\"_ _89\"> </span><span class=\"ls11f ws1ca\">202<span class=\"_ _c3\"> </span><span class=\"ls13f ws1ed\">62 379<span class=\"_ _c2\"> </span></span></span>50 608<span class=\"_ _78\"> </span></span><span style=\"display:inherit;clear:left;\">24<span class=\"_ _94\"> </span></span><span style=\"display:inherit;clear:left;\">25<span class=\"_ _ba\"> </span></span><span style=\"display:inherit;clear:left;\">39<span class=\"_ _94\"> </span><span class=\"lse wse\">88<span class=\"_ _93\"> </span><span class=\"ls4f wsa1\">71</span></span></span><span style=\"display:inherit;clear:left;\">Sum<span class=\"_ _203\"> </span></span><span style=\"display:inherit;clear:left;\">117 78<span class=\"_ _8\"></span>0<span class=\"_ _5a\"> </span></span><span style=\"display:inherit;clear:left;\">13 395<span class=\"_ _10a\"> </span></span><span style=\"display:inherit;clear:left;\">1 4<span class=\"_ _8\"></span>32<span class=\"_ _11a\"> </span>132 6<span class=\"_ _8\"></span>08<span class=\"_ _57\"> </span></span><span style=\"display:inherit;clear:left;\">1<span class=\"_ _8\"></span>14 96<span class=\"_ _8\"></span>5<span class=\"_ _74\"> </span></span><span style=\"display:inherit;clear:left;\">287<span class=\"_ _cd\"> </span></span><span style=\"display:inherit;clear:left;\">205<span class=\"_ _dd\"> </span></span><span style=\"display:inherit;clear:left;\">438<span class=\"_ _89\"> </span><span class=\"ls11e wsb9\">930<span class=\"_ _cd\"> </span><span class=\"lsf2 ws154\">923</span></span></span><span style=\"display:inherit;clear:left;\">Nedskriving utl\u00e5n<span class=\"_ _1\"></span> (saldo<span class=\"_ _1\"></span>)<span class=\"_ _204\"> </span><span class=\"ls61 wsb5\">78<span class=\"_ _8\"></span>4<span class=\"_ _85\"> </span><span class=\"ls109 ws16b\">828</span></span></span><span style=\"display:inherit;clear:left;\">Nedskriving ubenyttet<span class=\"_ _1\"></span> kreditt, l\u00e5neti<span class=\"_ _1\"></span>lsagn og garan<span class=\"_ _1\"></span>tier<span class=\"_ _200\"> </span><span class=\"lsa wsa\">146<span class=\"_ _94\"> </span></span>96</span><span style=\"display:inherit;clear:left;\">Sum nedskrivinger<span class=\"_ _205\"> </span></span><span style=\"display:inherit;clear:left;\">930</span><span style=\"display:inherit;clear:left;\"><span class=\"_ _cd\"> </span><span class=\"lsf2 ws154\">923</span></span><span style=\"display:inherit;clear:left;\">No<span class=\"_ _1\"></span>te 9 U<span class=\"_ _1\"></span>tl\u00e5n f<span class=\"_ _c\"></span>ordel<span class=\"_ _1\"></span>t p\u00e5 geo<span class=\"_ _1\"></span>grafisk<span class=\"_ _1\"></span>e omr\u00e5der</span><span style=\"display:inherit;clear:left;\">KONSERN</span><span style=\"display:inherit;clear:left;\">31/12-<span class=\"_ _1\"></span>2022<span class=\"_ _206\"> </span>31/12-<span class=\"_ _1\"></span>2023</span><span style=\"display:inherit;clear:left;\">Andel</span><span style=\"display:inherit;clear:left;\">Nedskriv<span class=\"_ _1\"></span>ing </span><span style=\"display:inherit;clear:left;\">B<span class=\"_ _8\"></span>r<span class=\"_ _a\"></span>utt<span class=\"_ _8\"></span>o</span><span style=\"display:inherit;clear:left;\">Utl\u00e5n<span class=\"_ _1\"></span> forde<span class=\"_ _1\"></span>lt p\u00e5<span class=\"_ _1\"></span> geogr<span class=\"_ _1\"></span>afis<span class=\"_ _1\"></span>ke<span class=\"_ _1\"></span> <span class=\"ls0 ws0\"> </span></span><span style=\"display:inherit;clear:left;\">B<span class=\"_ _8\"></span>r<span class=\"_ _a\"></span>utt<span class=\"_ _8\"></span>o</span><span style=\"display:inherit;clear:left;\">Nedskriv<span class=\"_ _1\"></span>ing </span><span style=\"display:inherit;clear:left;\">Andel</span><span style=\"display:inherit;clear:left;\">n<span class=\"_ _8\"></span>e<span class=\"_ _8\"></span>tto<span class=\"_ _8\"></span> u<span class=\"_ _8\"></span>t<span class=\"_ _8\"></span>l<span class=\"_ _8\"></span>\u00e5<span class=\"_ _8\"></span>n</span><span style=\"display:inherit;clear:left;\">utl<span class=\"_ _8\"></span>\u00e5n</span><span style=\"display:inherit;clear:left;\">utl<span class=\"_ _8\"></span>\u00e5n</span><span style=\"display:inherit;clear:left;\">omr\u00e5de<span class=\"_ _1\"></span>r</span><span style=\"display:inherit;clear:left;\">utl<span class=\"_ _8\"></span>\u00e5n</span><span style=\"display:inherit;clear:left;\">utl<span class=\"_ _8\"></span>\u00e5n</span><span style=\"display:inherit;clear:left;\">n<span class=\"_ _8\"></span>e<span class=\"_ _8\"></span>tto<span class=\"_ _8\"></span> u<span class=\"_ _8\"></span>t<span class=\"_ _8\"></span>l<span class=\"_ _8\"></span>\u00e5<span class=\"_ _8\"></span>n</span><span style=\"display:inherit;clear:left;\">64,3<span class=\"_ _63\"> </span></span><span style=\"display:inherit;clear:left;\">644<span class=\"_ _db\"> </span></span><span style=\"display:inherit;clear:left;\">144 963<span class=\"_ _b9\"> </span></span><span style=\"display:inherit;clear:left;\">Vestland<span class=\"_ _207\"> </span></span><span style=\"display:inherit;clear:left;\">14<span class=\"_ _1\"></span>9 444<span class=\"_ _9d\"> </span><span class=\"ls84 wsdf\">524<span class=\"_ _4a\"> </span><span class=\"ls126 ws1d0\">58<span class=\"_ _8\"></span>,2</span></span></span><span style=\"display:inherit;clear:left;\">18,3<span class=\"_ _6a\"> </span></span><span style=\"display:inherit;clear:left;\">169<span class=\"_ _6b\"> </span></span><span style=\"display:inherit;clear:left;\">41<span class=\"_ _8\"></span> 24<span class=\"_ _8\"></span>2<span class=\"_ _b8\"> </span></span><span style=\"display:inherit;clear:left;\">Rogaland<span class=\"_ _208\"> </span></span><span style=\"display:inherit;clear:left;\">46 623<span class=\"_ _97\"> </span><span class=\"ls122 ws1cc\">268<span class=\"_ _e7\"> </span><span class=\"ls146 ws1f6\">1<span class=\"_ _a\"></span>8<span class=\"_ _a\"></span>,1</span></span></span><span style=\"display:inherit;clear:left;\">3,4<span class=\"_ _209\"> </span></span><span style=\"display:inherit;clear:left;\">29<span class=\"_ _1b\"> </span></span><span style=\"display:inherit;clear:left;\">7 651<span class=\"_ _b9\"> </span></span><span style=\"display:inherit;clear:left;\">M<span class=\"_ _8\"></span>\u00f8re<span class=\"_ _1\"></span> og Romsdal<span class=\"_ _11e\"> </span></span><span style=\"display:inherit;clear:left;\">9 359<span class=\"_ _48\"> </span><span class=\"ls122 ws1cc\">26<span class=\"_ _125\"> </span><span class=\"ls109 ws16b\">3,6</span></span></span><span style=\"display:inherit;clear:left;\">5,3<span class=\"_ _112\"> </span></span><span style=\"display:inherit;clear:left;\">17<span class=\"_ _65\"> </span><span class=\"ls0 ws0\">11 93<span class=\"_ _1\"></span>4<span class=\"_ _b9\"> </span><span class=\"ls11 ws11\">Osl<span class=\"_ _8\"></span>o<span class=\"_ _20a\"> </span></span>18 98<span class=\"_ _1\"></span>9<span class=\"_ _b6\"> </span>22<span class=\"_ _125\"> </span><span class=\"ls14a ws1fa\">7,<span class=\"_ _38\"></span>4</span></span></span><span style=\"display:inherit;clear:left;\">5,3<span class=\"_ _2f\"> </span><span class=\"ls0 ws0\">6<span class=\"_ _65\"> </span>11 966<span class=\"_ _b9\"> </span><span class=\"lsf wsf\">V<span class=\"_ _8\"></span>ike<span class=\"_ _8\"></span>n<span class=\"_ _1f1\"> </span></span>20 048<span class=\"_ _64\"> </span>11<span class=\"_ _63\"> </span><span class=\"ls14a ws1fa\">7,<span class=\"_ _a\"></span>8</span></span></span><span style=\"display:inherit;clear:left;\">3,0<span class=\"_ _2f\"> </span><span class=\"ls0 ws0\">9<span class=\"_ _ba\"> </span>6 688<span class=\"_ _11a\"> </span>Norg<span class=\"_ _1\"></span>e f<span class=\"_ _1\"></span>or \u00f8vrig<span class=\"_ _123\"> </span>11 504<span class=\"_ _84\"> </span>17<span class=\"_ _99\"> </span><span class=\"ls12c ws1d6\">4,5</span></span></span><span style=\"display:inherit;clear:left;\">99,6<span class=\"_ _88\"> </span></span><span style=\"display:inherit;clear:left;\">8<span class=\"_ _a\"></span>74<span class=\"_ _10a\"> </span></span><span style=\"display:inherit;clear:left;\">224 44<span class=\"_ _1\"></span>5<span class=\"_ _b9\"> </span>Sum Norge<span class=\"_ _20b\"> </span>255 966<span class=\"_ _9d\"> </span><span class=\"ls83 wsdd\">868<span class=\"_ _a1\"> </span><span class=\"ls14b ws1fb\">9<span class=\"_ _a\"></span>9<span class=\"_ _8\"></span>,7</span></span></span><span style=\"display:inherit;clear:left;\">0,4<span class=\"_ _2f\"> </span><span class=\"ls0 ws0\">6<span class=\"_ _75\"> </span><span class=\"ls136 ws1e3\">930<span class=\"_ _11a\"> </span></span>Utlandet<span class=\"_ _da\"> </span><span class=\"ls61 wsb5\">678<span class=\"_ _84\"> </span></span>10<span class=\"_ _117\"> </span></span>0,3</span><span style=\"display:inherit;clear:left;\">10<span class=\"_ _8\"></span>0,0<span class=\"_ _b6\"> </span></span><span style=\"display:inherit;clear:left;\">880<span class=\"_ _db\"> </span></span><span style=\"display:inherit;clear:left;\">225 3<span class=\"_ _1\"></span>7<span class=\"_ _0\"></span>4<span class=\"_ _11a\"> </span>Sum geogr<span class=\"_ _1\"></span>a<span class=\"_ _2\"></span>fiske omr<span class=\"_ _1\"></span>\u00e5der<span class=\"_ _2d\"> </span>256 644<span class=\"_ _15\"> </span><span class=\"ls12a ws1d4\">878<span class=\"_ _8d\"> </span><span class=\"ls84 wsdf\">10<span class=\"_ _8\"></span>0,0</span></span></span><span style=\"display:inherit;clear:left;\">MORBANK</span><span style=\"display:inherit;clear:left;\">31/12-<span class=\"_ _1\"></span>2022<span class=\"_ _206\"> </span>31/12-<span class=\"_ _1\"></span>2023</span><span style=\"display:inherit;clear:left;\">Andel</span><span style=\"display:inherit;clear:left;\">Nedskriv<span class=\"_ _1\"></span>ing </span><span style=\"display:inherit;clear:left;\">B<span class=\"_ _8\"></span>r<span class=\"_ _a\"></span>utt<span class=\"_ _8\"></span>o</span><span style=\"display:inherit;clear:left;\">Utl\u00e5n<span class=\"_ _1\"></span> forde<span class=\"_ _1\"></span>lt p\u00e5<span class=\"_ _1\"></span> geogr<span class=\"_ _1\"></span>afis<span class=\"_ _1\"></span>ke<span class=\"_ _1\"></span> <span class=\"ls0 ws0\"> </span></span><span style=\"display:inherit;clear:left;\">B<span class=\"_ _8\"></span>r<span class=\"_ _a\"></span>utt<span class=\"_ _8\"></span>o</span><span style=\"display:inherit;clear:left;\">Nedskriv<span class=\"_ _1\"></span>ing </span><span style=\"display:inherit;clear:left;\">Andel</span><span style=\"display:inherit;clear:left;\">n<span class=\"_ _8\"></span>e<span class=\"_ _8\"></span>tto<span class=\"_ _8\"></span> u<span class=\"_ _8\"></span>t<span class=\"_ _8\"></span>l<span class=\"_ _8\"></span>\u00e5<span class=\"_ _8\"></span>n</span><span style=\"display:inherit;clear:left;\">utl<span class=\"_ _8\"></span>\u00e5n</span><span style=\"display:inherit;clear:left;\">utl<span class=\"_ _8\"></span>\u00e5n</span><span style=\"display:inherit;clear:left;\">omr\u00e5de<span class=\"_ _1\"></span>r</span><span style=\"display:inherit;clear:left;\">utl<span class=\"_ _8\"></span>\u00e5n</span><span style=\"display:inherit;clear:left;\">utl<span class=\"_ _8\"></span>\u00e5n</span><span style=\"display:inherit;clear:left;\">n<span class=\"_ _8\"></span>e<span class=\"_ _8\"></span>tto<span class=\"_ _8\"></span> u<span class=\"_ _8\"></span>t<span class=\"_ _8\"></span>l<span class=\"_ _8\"></span>\u00e5<span class=\"_ _8\"></span>n</span><span style=\"display:inherit;clear:left;\">60,9<span class=\"_ _b6\"> </span></span><span style=\"display:inherit;clear:left;\">608<span class=\"_ _85\"> </span></span><span style=\"display:inherit;clear:left;\">59 8<span class=\"_ _2\"></span>77<span class=\"_ _11a\"> </span></span><span style=\"display:inherit;clear:left;\">V<span class=\"_ _1\"></span>estland<span class=\"_ _133\"> </span></span><span style=\"display:inherit;clear:left;\">66 548<span class=\"_ _9d\"> </span><span class=\"lsd wsd\">463<span class=\"_ _a2\"> </span><span class=\"ls14a ws1fa\">5<span class=\"_ _a\"></span>7,<span class=\"_ _38\"></span>9</span></span></span><span style=\"display:inherit;clear:left;\">24,<span class=\"_ _8\"></span>4<span class=\"_ _84\"> </span></span><span style=\"display:inherit;clear:left;\">16<span class=\"_ _8\"></span>0<span class=\"_ _83\"> </span></span><span style=\"display:inherit;clear:left;\">23<span class=\"_ _8\"></span> 927<span class=\"_ _b8\"> </span></span><span style=\"display:inherit;clear:left;\">Rogaland<span class=\"_ _20c\"> </span></span><span style=\"display:inherit;clear:left;\">27 83<span class=\"_ _8\"></span>4<span class=\"_ _25\"> </span><span class=\"ls10 ws10\">251<span class=\"_ _15\"> </span><span class=\"ls146 ws1f6\">2<span class=\"_ _8\"></span>4<span class=\"_ _8\"></span>,1</span></span></span><span style=\"display:inherit;clear:left;\">6,2<span class=\"_ _209\"> </span></span><span style=\"display:inherit;clear:left;\">28<span class=\"_ _74\"> </span></span><span style=\"display:inherit;clear:left;\">6<span class=\"_ _8\"></span> 07<span class=\"_ _8\"></span>3<span class=\"_ _b8\"> </span></span><span style=\"display:inherit;clear:left;\">M\u00f8re<span class=\"_ _1\"></span> og Romsdal<span class=\"_ _11e\"> </span></span><span style=\"display:inherit;clear:left;\">7 208<span class=\"_ _20d\"> </span><span class=\"ls84 wsdf\">24<span class=\"_ _125\"> </span><span class=\"ls125 ws1cf\">6,3</span></span></span><span style=\"display:inherit;clear:left;\">4,0<span class=\"_ _69\"> </span></span><span style=\"display:inherit;clear:left;\">14<span class=\"_ _ba\"> </span></span><span style=\"display:inherit;clear:left;\">3<span class=\"_ _8\"></span> 894<span class=\"_ _11a\"> </span></span><span style=\"display:inherit;clear:left;\">Oslo<span class=\"_ _128\"> </span></span><span style=\"display:inherit;clear:left;\">6<span class=\"_ _8\"></span> 276<span class=\"_ _84\"> </span><span class=\"ls0 ws0\">18<span class=\"_ _125\"> </span><span class=\"ls139 ws1e6\">5,5</span></span></span><span style=\"display:inherit;clear:left;\">1<span class=\"_ _8\"></span>,7<span class=\"_ _ca\"> </span><span class=\"ls0 ws0\">3<span class=\"_ _5d\"> </span>1 645<span class=\"_ _b9\"> </span><span class=\"lsf wsf\">V<span class=\"_ _8\"></span>iken<span class=\"_ _20a\"> </span><span class=\"ls138 ws1e5\">3<span class=\"_ _8\"></span> 352<span class=\"_ _43\"> </span></span></span>4<span class=\"_ _117\"> </span><span class=\"ls62 wsb6\">2,9</span></span></span><span style=\"display:inherit;clear:left;\">1,8<span class=\"_ _2f\"> </span><span class=\"ls0 ws0\">8<span class=\"_ _1b\"> </span><span class=\"ls140 ws1ee\">1<span class=\"_ _a\"></span> 74<span class=\"_ _38\"></span>0<span class=\"_ _bd\"> </span></span>Nor<span class=\"_ _1\"></span>ge f<span class=\"_ _1\"></span>or \u00f8<span class=\"_ _1\"></span>vrig<span class=\"_ _20\"> </span><span class=\"ls125 ws1cf\">3 203<span class=\"_ _88\"> </span></span>14<span class=\"_ _117\"> </span><span class=\"ls120 ws1cb\">2,8</span></span></span><span style=\"display:inherit;clear:left;\">9<span class=\"_ _a\"></span>9<span class=\"_ _8\"></span>,1<span class=\"_ _88\"> </span></span><span style=\"display:inherit;clear:left;\">82<span class=\"_ _8\"></span>2<span class=\"_ _6b\"> </span></span><span style=\"display:inherit;clear:left;\">97 155<span class=\"_ _b9\"> </span>Sum Norg<span class=\"_ _1\"></span>e<span class=\"_ _13a\"> </span>114 422<span class=\"_ _15\"> </span><span class=\"ls147 ws1f7\">7<span class=\"_ _a\"></span>74<span class=\"_ _a1\"> </span><span class=\"ls84 wsdf\">9<span class=\"_ _8\"></span>9,5</span></span></span><span style=\"display:inherit;clear:left;\">1,0<span class=\"_ _2f\"> </span><span class=\"ls0 ws0\">6<span class=\"_ _75\"> </span><span class=\"ls136 ws1e3\">930<span class=\"_ _b8\"> </span></span>Utlande<span class=\"_ _1\"></span>t<span class=\"_ _70\"> </span><span class=\"ls126 ws1d0\">584<span class=\"_ _88\"> </span></span>10<span class=\"_ _117\"> </span><span class=\"ls109 ws16b\">0,5</span></span></span><span style=\"display:inherit;clear:left;\">10<span class=\"_ _8\"></span>0,0<span class=\"_ _49\"> </span></span><span style=\"display:inherit;clear:left;\">828<span class=\"_ _89\"> </span></span><span style=\"display:inherit;clear:left;\">98 085<span class=\"_ _11a\"> </span></span><span style=\"display:inherit;clear:left;\">Sum geogr<span class=\"_ _1\"></span>a<span class=\"_ _2\"></span>fiske omr<span class=\"_ _1\"></span>\u00e5der<span class=\"_ _173\"> </span>115 006<span class=\"_ _20e\"> </span></span><span style=\"display:inherit;clear:left;\">78<span class=\"_ _8\"></span>4</span><span style=\"display:inherit;clear:left;\"><span class=\"_ _8d\"> </span><span class=\"ls84 wsdf\">10<span class=\"_ _8\"></span>0,0</span></span><span style=\"display:inherit;clear:left;\">No<span class=\"_ _1\"></span>te 1<span class=\"_ _1\"></span>0 Engasj<span class=\"_ _1\"></span>eme<span class=\"_ _1\"></span>nt f<span class=\"_ _c\"></span>ordel<span class=\"_ _1\"></span>t p\u00e5 n\u00e6<span class=\"_ _1\"></span>ri<span class=\"_ _8\"></span>nge<span class=\"_ _1\"></span>r og personmark<span class=\"_ _1\"></span>ed<span class=\"_ _1\"></span>et</span><span style=\"display:inherit;clear:left;\">Misligholdte </span><span style=\"display:inherit;clear:left;\">Ubenyt<span class=\"_ _1\"></span>tede </span><span style=\"display:inherit;clear:left;\">Sum <span class=\"_ _4\"></span> </span><span style=\"display:inherit;clear:left;\">og tapsutsa<span class=\"_ _1\"></span>tt<span class=\"_ _1\"></span>e </span><span style=\"display:inherit;clear:left;\">Nedskrivning </span><span style=\"display:inherit;clear:left;\">2023<span class=\"_ _20f\"> </span><span class=\"ls0 ws0\">Utl\u00e5n</span></span><span style=\"display:inherit;clear:left;\">kr<span class=\"_ _1\"></span>editt<span class=\"_ _1\"></span>er<span class=\"_ _b8\"> </span>Gar<span class=\"_ _1\"></span>an<span class=\"_ _1\"></span>tier</span><span style=\"display:inherit;clear:left;\">engasjement</span><span style=\"display:inherit;clear:left;\">utl\u00e5n</span><span style=\"display:inherit;clear:left;\">utl\u00e5n </span><span style=\"display:inherit;clear:left;\">KONSERN</span><span style=\"display:inherit;clear:left;\">Jord-, sk<span class=\"_ _1\"></span>ogbruk og fisk<span class=\"_ _1\"></span>eri<span class=\"_ _194\"> </span>11 4<span class=\"_ _1\"></span>99<span class=\"_ _85\"> </span></span><span style=\"display:inherit;clear:left;\">1<span class=\"_ _a\"></span> 47<span class=\"_ _8\"></span>2<span class=\"_ _5d\"> </span><span class=\"ls136 ws1e3\">403<span class=\"_ _98\"> </span></span></span><span style=\"display:inherit;clear:left;\">13 3<span class=\"_ _1\"></span>7<span class=\"_ _0\"></span>4</span><span style=\"display:inherit;clear:left;\"><span class=\"_ _84\"> </span><span class=\"ls13 ws13\">27<span class=\"_ _8\"></span>7<span class=\"_ _b6\"> </span><span class=\"ls82 ws14b\">98</span></span></span><span style=\"display:inherit;clear:left;\">Industri og ber<span class=\"_ _1\"></span>gv<span class=\"_ _1\"></span>erk<span class=\"_ _210\"> </span>3 696<span class=\"_ _1a\"> </span></span><span style=\"display:inherit;clear:left;\">91<span class=\"_ _8\"></span>2<span class=\"_ _94\"> </span><span class=\"ls133 ws1e0\">408<span class=\"_ _e9\"> </span></span></span><span style=\"display:inherit;clear:left;\">5 015</span><span style=\"display:inherit;clear:left;\"><span class=\"_ _c8\"> </span><span class=\"ls120 ws1cb\">34<span class=\"_ _b6\"> </span><span class=\"ls9 ws9\">33</span></span></span><span style=\"display:inherit;clear:left;\">Kra<span class=\"_ _2\"></span>ft og vann<span class=\"_ _1\"></span>for<span class=\"_ _1\"></span>syning<span class=\"_ _123\"> </span>2 63<span class=\"_ _1\"></span>7<span class=\"_ _93\"> </span><span class=\"ls6b wsc3\">267<span class=\"_ _8b\"> </span></span>10<span class=\"_ _91\"> </span>2 914<span class=\"_ _114\"> </span>0<span class=\"_ _b1\"> </span>11</span><span style=\"display:inherit;clear:left;\">By</span><span style=\"display:inherit;clear:left;\">gg<span class=\"_ _2\"></span><span class=\"ls0 ws0\">e- og anle<span class=\"ls14d ws1fd\">gg</span>svirk<span class=\"_ _1\"></span>somhet<span class=\"_ _202\"> </span><span class=\"ls138 ws1e5\">7 3<span class=\"_ _8\"></span>69<span class=\"_ _85\"> </span><span class=\"ls4a ws9d\">1<span class=\"_ _8\"></span> 70<span class=\"_ _8\"></span>9<span class=\"_ _5d\"> </span><span class=\"ls13d ws1eb\">492<span class=\"_ _3e\"> </span></span></span>9 5<span class=\"_ _8\"></span>69<span class=\"_ _110\"> </span></span>219<span class=\"_ _20e\"> </span><span class=\"ls125 ws1cf\">203</span></span></span><span style=\"display:inherit;clear:left;\">V<span class=\"_ _2\"></span>arehandel<span class=\"_ _211\"> </span>3 130<span class=\"_ _87\"> </span>1 062<span class=\"_ _14\"> </span><span class=\"ls137 ws1e4\">1<span class=\"_ _8\"></span>72<span class=\"_ _8d\"> </span></span>4 365<span class=\"_ _10d\"> </span><span class=\"ls125 ws1cf\">20<span class=\"_ _49\"> </span><span class=\"ls13 ws13\">27</span></span></span><span style=\"display:inherit;clear:left;\">Utenriks sj\u00f8<span class=\"_ _1\"></span>f<span class=\"_ _1\"></span>art og tr<span class=\"_ _1\"></span>ansport<span class=\"_ _11c\"> </span>8 4<span class=\"_ _1\"></span>18<span class=\"_ _18\"> </span></span><span style=\"display:inherit;clear:left;\">51<span class=\"_ _8\"></span>1<span class=\"_ _6b\"> </span><span class=\"ls61 wsb5\">1<span class=\"_ _8\"></span> 0<span class=\"_ _8\"></span>37<span class=\"_ _8d\"> </span></span></span><span style=\"display:inherit;clear:left;\">9 965<span class=\"_ _69\"> </span>10<span class=\"_ _63\"> </span>64</span><span style=\"display:inherit;clear:left;\">Hot<span class=\"_ _1\"></span>ell og r<span class=\"_ _1\"></span>estaur<span class=\"_ _1\"></span>an<span class=\"_ _1\"></span>t<span class=\"_ _20c\"> </span></span><span style=\"display:inherit;clear:left;\">682<span class=\"_ _75\"> </span><span class=\"ls31 ws81\">75<span class=\"_ _a2\"> </span></span></span><span style=\"display:inherit;clear:left;\">8<span class=\"_ _15\"> </span><span class=\"ls4a ws9d\">76<span class=\"_ _8\"></span>5<span class=\"_ _146\"> </span></span>1<span class=\"_ _88\"> </span>14</span><span style=\"display:inherit;clear:left;\">Eiendomsdrift<span class=\"_ _105\"> </span>18 7<span class=\"_ _2\"></span>40<span class=\"_ _85\"> </span></span><span style=\"display:inherit;clear:left;\">1 6<span class=\"_ _8\"></span>29<span class=\"_ _12\"> </span></span><span style=\"display:inherit;clear:left;\">125<span class=\"_ _94\"> </span></span><span style=\"display:inherit;clear:left;\">20 49<span class=\"_ _8\"></span>4<span class=\"_ _116\"> </span><span class=\"ls136 ws1e3\">439<span class=\"_ _e7\"> </span><span class=\"ls82 ws14b\">198</span></span></span><span style=\"display:inherit;clear:left;\">Tjenest<span class=\"_ _1\"></span>e<span class=\"_ _1\"></span>ytende virksomhe<span class=\"_ _1\"></span>t<span class=\"_ _11b\"> </span></span><span style=\"display:inherit;clear:left;\">4 256<span class=\"_ _1b\"> </span></span><span style=\"display:inherit;clear:left;\">79<span class=\"_ _8\"></span>9<span class=\"_ _93\"> </span></span><span style=\"display:inherit;clear:left;\">3<span class=\"_ _8\"></span>32<span class=\"_ _75\"> </span></span><span style=\"display:inherit;clear:left;\">5<span class=\"_ _8\"></span> 3<span class=\"_ _8\"></span>87<span class=\"_ _84\"> </span><span class=\"ls133 ws1e0\">1<span class=\"_ _8\"></span>40<span class=\"_ _b6\"> </span><span class=\"ls13e ws1ec\">47</span></span></span><span style=\"display:inherit;clear:left;\">Off<span class=\"_ _1\"></span>entlig f<span class=\"_ _1\"></span>orv<span class=\"_ _1\"></span>altning<span class=\"_ _1cf\"> </span>63<span class=\"_ _4a\"> </span>0<span class=\"_ _a1\"> </span>0<span class=\"_ _48\"> </span>63<span class=\"_ _212\"> </span>0<span class=\"_ _43\"> </span>0</span><span style=\"display:inherit;clear:left;\">Andre finansielle f<span class=\"_ _1\"></span>or<span class=\"_ _1\"></span>e<span class=\"_ _1\"></span>tak<span class=\"_ _127\"> </span>444<span class=\"_ _8b\"> </span>16<span class=\"_ _97\"> </span>1<span class=\"_ _df\"> </span><span class=\"ls133 ws1e0\">461<span class=\"_ _212\"> </span></span>0<span class=\"_ _a0\"> </span>16</span><span style=\"display:inherit;clear:left;\">Sum n\u00e6ringsliv<span class=\"_ _149\"> </span></span><span style=\"display:inherit;clear:left;\">60 933<span class=\"_ _89\"> </span></span><span style=\"display:inherit;clear:left;\">8 4<span class=\"_ _8\"></span>52<span class=\"_ _8a\"> </span></span><span style=\"display:inherit;clear:left;\">2<span class=\"_ _8\"></span> 9<span class=\"_ _8\"></span>87<span class=\"_ _14\"> </span><span class=\"ls137 ws1e4\">72 372<span class=\"_ _117\"> </span></span></span><span style=\"display:inherit;clear:left;\">1 139<span class=\"_ _25\"> </span>710</span><span style=\"display:inherit;clear:left;\">Per<span class=\"_ _1\"></span>sonkunder<span class=\"_ _f8\"> </span>195 711<span class=\"_ _db\"> </span>14 963<span class=\"_ _a1\"> </span>9<span class=\"_ _8e\"> </span>210 683<span class=\"_ _49\"> </span><span class=\"ls125 ws1cf\">32<span class=\"_ _8\"></span>2<span class=\"_ _e7\"> </span><span class=\"ls6b wsc3\">1<span class=\"_ _8\"></span>67</span></span></span><span style=\"display:inherit;clear:left;\">Sum brutto eng<span class=\"_ _1\"></span>asjement<span class=\"_ _1e5\"> </span>256 644<span class=\"_ _c7\"> </span>23 4<span class=\"_ _2\"></span>15<span class=\"_ _90\"> </span>2 996<span class=\"_ _8a\"> </span></span><span style=\"display:inherit;clear:left;\">28<span class=\"_ _8\"></span>3 05<span class=\"_ _8\"></span>5<span class=\"_ _20e\"> </span><span class=\"ls12c ws1d6\">1 462<span class=\"_ _9c\"> </span><span class=\"ls12a ws1d4\">8<span class=\"_ _8\"></span>78</span></span></span><span style=\"display:inherit;clear:left;\"> - Modellberegne<span class=\"_ _1\"></span>t nedskriving BM (s<span class=\"_ _1\"></span>teg 1-<span class=\"_ _1\"></span>3)<span class=\"_ _116\"> </span><span class=\"ls139 ws1e6\">51<span class=\"_ _8\"></span>2<span class=\"_ _16\"> </span></span>84<span class=\"_ _9a\"> </span><span class=\"ls139 ws1e6\">51<span class=\"_ _15\"> </span><span class=\"ls13e ws1ec\">6<span class=\"_ _a\"></span>47</span></span></span><span style=\"display:inherit;clear:left;\"> - Modellberegne<span class=\"_ _1\"></span>t nedskriving PM (s<span class=\"_ _1\"></span>teg 1-<span class=\"_ _1\"></span>3)<span class=\"_ _6a\"> </span><span class=\"ls10 ws10\">161<span class=\"_ _8b\"> </span></span>13<span class=\"_ _a1\"> </span>0<span class=\"_ _e7\"> </span><span class=\"ls140 ws1ee\">1<span class=\"_ _38\"></span>74</span></span><span style=\"display:inherit;clear:left;\"> - Nedskriving st<span class=\"_ _1\"></span>eg 3 individuelt vur<span class=\"_ _1\"></span>dert BM<span class=\"_ _63\"> </span><span class=\"ls82 ws14b\">1<span class=\"_ _8\"></span>99<span class=\"_ _4a\"> </span></span>0<span class=\"_ _4a\"> </span>0<span class=\"_ _25\"> </span><span class=\"ls82 ws14b\">1<span class=\"_ _8\"></span>99</span></span><span style=\"display:inherit;clear:left;\"> - Nedskriving st<span class=\"_ _1\"></span>eg 3 individuelt vur<span class=\"_ _1\"></span>dert PM<span class=\"_ _112\"> </span>7<span class=\"_ _a1\"> </span>0<span class=\"_ _4a\"> </span>0<span class=\"_ _10d\"> </span>7</span><span style=\"display:inherit;clear:left;\">Sum net<span class=\"_ _1\"></span>to engasjemen<span class=\"_ _1\"></span>t<span class=\"_ _16c\"> </span><span class=\"ls4a ws9d\">2<span class=\"_ _8\"></span>5<span class=\"_ _8\"></span>5<span class=\"_ _8\"></span> 767<span class=\"_ _dc\"> </span></span>23 317<span class=\"_ _b7\"> </span><span class=\"ls13b ws1e8\">2 945<span class=\"_ _87\"> </span><span class=\"ls15 ws15\">282<span class=\"_ _8\"></span> 029</span></span></span><span style=\"display:inherit;clear:left;\">MORBANK</span><span style=\"display:inherit;clear:left;\">Jord-, sk<span class=\"_ _1\"></span>ogbruk og fisk<span class=\"_ _1\"></span>eri<span class=\"_ _213\"> </span>11 090<span class=\"_ _87\"> </span></span><span style=\"display:inherit;clear:left;\">1 433<span class=\"_ _74\"> </span><span class=\"ls136 ws1e3\">403<span class=\"_ _12\"> </span></span></span><span style=\"display:inherit;clear:left;\">12 92<span class=\"_ _1\"></span>6</span><span style=\"display:inherit;clear:left;\"><span class=\"_ _a0\"> </span><span class=\"ls13 ws13\">27<span class=\"_ _8\"></span>7<span class=\"_ _49\"> </span><span class=\"ls6 ws6\">97</span></span></span><span style=\"display:inherit;clear:left;\">Industri og ber<span class=\"_ _1\"></span>gv<span class=\"_ _1\"></span>erk<span class=\"_ _17c\"> </span>3 621<span class=\"_ _93\"> </span></span><span style=\"display:inherit;clear:left;\">9<span class=\"_ _8\"></span>07<span class=\"_ _74\"> </span></span><span style=\"display:inherit;clear:left;\">408<span class=\"_ _16\"> </span></span><span style=\"display:inherit;clear:left;\">4 93<span class=\"_ _8\"></span>5<span class=\"_ _10d\"> </span><span class=\"ls120 ws1cb\">34<span class=\"_ _b6\"> </span><span class=\"ls9 ws9\">33</span></span></span><span style=\"display:inherit;clear:left;\">Kra<span class=\"_ _2\"></span>ft og vann<span class=\"_ _1\"></span>for<span class=\"_ _1\"></span>syning<span class=\"_ _214\"> </span></span><span style=\"display:inherit;clear:left;\">2 6<span class=\"_ _8\"></span>28<span class=\"_ _1b\"> </span><span class=\"ls6b wsc3\">2<span class=\"_ _8\"></span>67<span class=\"_ _e9\"> </span></span></span><span style=\"display:inherit;clear:left;\">10<span class=\"_ _78\"> </span>2 904<span class=\"_ _114\"> </span>0<span class=\"_ _121\"> </span>11</span><span style=\"display:inherit;clear:left;\">By</span><span style=\"display:inherit;clear:left;\">gg<span class=\"_ _2\"></span><span class=\"ls0 ws0\">e- og anle<span class=\"ls14d ws1fd\">gg</span>svirk<span class=\"_ _1\"></span>somhet<span class=\"_ _a4\"> </span>7 017<span class=\"_ _87\"> </span>1 690<span class=\"_ _74\"> </span><span class=\"ls13d ws1eb\">492<span class=\"_ _8b\"> </span></span>9 198<span class=\"_ _43\"> </span>211<span class=\"_ _20e\"> </span><span class=\"ls125 ws1cf\">202</span></span></span><span style=\"display:inherit;clear:left;\">V<span class=\"_ _2\"></span>arehandel<span class=\"_ _211\"> </span></span><span style=\"display:inherit;clear:left;\">2<span class=\"_ _8\"></span> 991<span class=\"_ _83\"> </span></span><span style=\"display:inherit;clear:left;\">1 056<span class=\"_ _98\"> </span><span class=\"ls137 ws1e4\">1<span class=\"_ _8\"></span>72<span class=\"_ _16\"> </span></span></span><span style=\"display:inherit;clear:left;\">4 220</span><span style=\"display:inherit;clear:left;\"><span class=\"_ _10d\"> </span><span class=\"ls125 ws1cf\">20<span class=\"_ _49\"> </span><span class=\"ls13 ws13\">27</span></span></span><span style=\"display:inherit;clear:left;\">Utenriks sj\u00f8<span class=\"_ _1\"></span>f<span class=\"_ _1\"></span>art og tr<span class=\"_ _1\"></span>ansport<span class=\"_ _215\"> </span>8 119<span class=\"_ _94\"> </span></span><span style=\"display:inherit;clear:left;\">49<span class=\"_ _8\"></span>0<span class=\"_ _6b\"> </span><span class=\"ls61 wsb5\">1<span class=\"_ _8\"></span> 037<span class=\"_ _8d\"> </span></span></span><span style=\"display:inherit;clear:left;\">9 646<span class=\"_ _69\"> </span>10<span class=\"_ _63\"> </span>64</span><span style=\"display:inherit;clear:left;\">Hot<span class=\"_ _1\"></span>ell og r<span class=\"_ _1\"></span>estaur<span class=\"_ _1\"></span>an<span class=\"_ _1\"></span>t<span class=\"_ _ae\"> </span></span><span style=\"display:inherit;clear:left;\">634<span class=\"_ _75\"> </span><span class=\"ls31 ws81\">75<span class=\"_ _68\"> </span></span></span><span style=\"display:inherit;clear:left;\">8<span class=\"_ _e7\"> </span>716<span class=\"_ _216\"> </span>1<span class=\"_ _84\"> </span>13</span><span style=\"display:inherit;clear:left;\">Eiendomsdrift<span class=\"_ _f5\"> </span>18 7<span class=\"_ _1\"></span>08<span class=\"_ _83\"> </span>1 638<span class=\"_ _12\"> </span><span class=\"ls83 wsdd\">125<span class=\"_ _12\"> </span></span>20 4<span class=\"_ _2\"></span>71<span class=\"_ _10c\"> </span><span class=\"ls133 ws1e0\">4<span class=\"_ _8\"></span>40<span class=\"_ _25\"> </span><span class=\"ls82 ws14b\">198</span></span></span><span style=\"display:inherit;clear:left;\">Tjenest<span class=\"_ _1\"></span>e<span class=\"_ _1\"></span>ytende virksomhe<span class=\"_ _1\"></span>t<span class=\"_ _b5\"> </span></span><span style=\"display:inherit;clear:left;\">3<span class=\"_ _8\"></span> 552<span class=\"_ _1b\"> </span></span><span style=\"display:inherit;clear:left;\">75<span class=\"_ _8\"></span>5<span class=\"_ _72\"> </span></span><span style=\"display:inherit;clear:left;\">379<span class=\"_ _3e\"> </span></span><span style=\"display:inherit;clear:left;\">4<span class=\"_ _8\"></span> 6<span class=\"_ _8\"></span>87<span class=\"_ _6a\"> </span><span class=\"ls133 ws1e0\">140<span class=\"_ _63\"> </span>46</span></span><span style=\"display:inherit;clear:left;\">Off<span class=\"_ _1\"></span>entlig f<span class=\"_ _1\"></span>orv<span class=\"_ _1\"></span>altning<span class=\"_ _1cf\"> </span>63<span class=\"_ _4a\"> </span>0<span class=\"_ _a1\"> </span>0<span class=\"_ _48\"> </span>63<span class=\"_ _212\"> </span>0<span class=\"_ _43\"> </span>0</span><span style=\"display:inherit;clear:left;\">Andre finansielle f<span class=\"_ _1\"></span>or<span class=\"_ _1\"></span>e<span class=\"_ _1\"></span>tak<span class=\"_ _127\"> </span>444<span class=\"_ _8b\"> </span>16<span class=\"_ _97\"> </span>1<span class=\"_ _df\"> </span><span class=\"ls133 ws1e0\">461<span class=\"_ _212\"> </span></span>0<span class=\"_ _a0\"> </span>16</span><span style=\"display:inherit;clear:left;\">Sum n\u00e6ringsliv<span class=\"_ _13e\"> </span></span><span style=\"display:inherit;clear:left;\">5<span class=\"_ _8\"></span>8 8<span class=\"_ _8\"></span>67<span class=\"_ _87\"> </span></span><span style=\"display:inherit;clear:left;\">8<span class=\"_ _8\"></span> 327<span class=\"_ _dd\"> </span><span class=\"ls136 ws1e3\">3 03<span class=\"_ _8\"></span>4<span class=\"_ _5d\"> </span></span></span><span style=\"display:inherit;clear:left;\">70 22<span class=\"_ _1\"></span>9<span class=\"_ _99\"> </span>1 132<span class=\"_ _118\"> </span><span class=\"ls6 ws6\">707</span></span><span style=\"display:inherit;clear:left;\">Per<span class=\"_ _1\"></span>sonkunder<span class=\"_ _217\"> </span>56 139<span class=\"_ _85\"> </span><span class=\"ls126 ws1d0\">6 231<span class=\"_ _68\"> </span></span>9<span class=\"_ _1b\"> </span></span><span style=\"display:inherit;clear:left;\">6<span class=\"_ _8\"></span>2<span class=\"_ _8\"></span> 379<span class=\"_ _88\"> </span><span class=\"ls125 ws1cf\">202<span class=\"_ _49\"> </span></span></span><span style=\"display:inherit;clear:left;\">77</span><span style=\"display:inherit;clear:left;\">Sum brutto eng<span class=\"_ _1\"></span>asjement<span class=\"_ _4b\"> </span>115 006<span class=\"_ _d8\"> </span>14 559<span class=\"_ _cb\"> </span>3 043<span class=\"_ _85\"> </span>132 608<span class=\"_ _9d\"> </span><span class=\"ls62 wsb6\">1 334<span class=\"_ _9d\"> </span><span class=\"ls12a ws1d4\">78<span class=\"_ _a\"></span>4</span></span></span><span style=\"display:inherit;clear:left;\"> - Modellberegne<span class=\"_ _1\"></span>t nedskriving BM (s<span class=\"_ _1\"></span>teg 1-<span class=\"_ _1\"></span>3)<span class=\"_ _125\"> </span><span class=\"ls82 ws14b\">509<span class=\"_ _8d\"> </span></span>84<span class=\"_ _8b\"> </span><span class=\"ls139 ws1e6\">51<span class=\"_ _20e\"> </span><span class=\"ls122 ws1cc\">643</span></span></span><span style=\"display:inherit;clear:left;\"> - Modellberegne<span class=\"_ _1\"></span>t nedskriving PM (s<span class=\"_ _1\"></span>teg 1-<span class=\"_ _1\"></span>3)<span class=\"_ _169\"> </span><span class=\"ls4a ws9d\">70<span class=\"_ _3d\"> </span></span>11<span class=\"_ _4a\"> </span>0<span class=\"_ _a0\"> </span><span class=\"ls82 ws14b\">81</span></span><span style=\"display:inherit;clear:left;\"> - Nedskriving st<span class=\"_ _1\"></span>eg 3 individuelt vur<span class=\"_ _1\"></span>dert BM<span class=\"_ _63\"> </span><span class=\"ls82 ws14b\">1<span class=\"_ _8\"></span>99<span class=\"_ _4a\"> </span></span>0<span class=\"_ _4a\"> </span>0<span class=\"_ _25\"> </span><span class=\"ls82 ws14b\">1<span class=\"_ _8\"></span>99</span></span><span style=\"display:inherit;clear:left;\"> - Nedskriving st<span class=\"_ _1\"></span>eg 3 individuelt vur<span class=\"_ _1\"></span>dert PM<span class=\"_ _112\"> </span>7<span class=\"_ _a1\"> </span>0<span class=\"_ _4a\"> </span>0<span class=\"_ _10d\"> </span>7</span><span style=\"display:inherit;clear:left;\">Sum net<span class=\"_ _1\"></span>to engasjemen<span class=\"_ _1\"></span>t<span class=\"_ _218\"> </span>114 222<span class=\"_ _9f\"> </span>14 463<span class=\"_ _90\"> </span><span class=\"ls12c ws1d6\">2<span class=\"_ _8\"></span> 992<span class=\"_ _108\"> </span></span>131 677</span><span style=\"display:inherit;clear:left;\">Misligholdte </span><span style=\"display:inherit;clear:left;\">Ubenyt<span class=\"_ _1\"></span>tede </span><span style=\"display:inherit;clear:left;\">Sum <span class=\"_ _4\"></span> </span><span style=\"display:inherit;clear:left;\">og tapsutsa<span class=\"_ _1\"></span>tt<span class=\"_ _1\"></span>e </span><span style=\"display:inherit;clear:left;\">Ned skrivning </span><span style=\"display:inherit;clear:left;\">2022<span class=\"_ _20f\"> </span><span class=\"ls0 ws0\">Utl\u00e5n</span></span><span style=\"display:inherit;clear:left;\">kr<span class=\"_ _1\"></span>editt<span class=\"_ _1\"></span>er<span class=\"_ _b8\"> </span>Gar<span class=\"_ _1\"></span>an<span class=\"_ _1\"></span>tier</span><span style=\"display:inherit;clear:left;\">engasjement</span><span style=\"display:inherit;clear:left;\">utl\u00e5n</span><span style=\"display:inherit;clear:left;\">utl\u00e5n</span><span style=\"display:inherit;clear:left;\">KONSERN</span><span style=\"display:inherit;clear:left;\">Jord-, sk<span class=\"_ _1\"></span>ogbruk og fisk<span class=\"_ _1\"></span>eri<span class=\"_ _23\"> </span>9 88<span class=\"_ _1\"></span>2<span class=\"_ _72\"> </span></span><span style=\"display:inherit;clear:left;\">91<span class=\"_ _8\"></span>0<span class=\"_ _93\"> </span><span class=\"ls139 ws1e6\">383<span class=\"_ _75\"> </span></span></span><span style=\"display:inherit;clear:left;\">11 176<span class=\"_ _43\"> </span>48<span class=\"_ _b6\"> </span><span class=\"ls21 ws175\">85</span></span><span style=\"display:inherit;clear:left;\">Industri og ber<span class=\"_ _1\"></span>gv<span class=\"_ _1\"></span>erk<span class=\"_ _170\"> </span></span><span style=\"display:inherit;clear:left;\">4 056<span class=\"_ _5d\"> </span>956<span class=\"_ _14\"> </span><span class=\"ls6b wsc3\">167<span class=\"_ _92\"> </span></span></span><span style=\"display:inherit;clear:left;\">5 17<span class=\"_ _1\"></span>8</span><span style=\"display:inherit;clear:left;\"><span class=\"_ _b6\"> </span><span class=\"ls4a ws9d\">24<span class=\"_ _8\"></span>8<span class=\"_ _13\"> </span><span class=\"ls131 ws1dd\">1<span class=\"_ _a\"></span>41</span></span></span><span style=\"display:inherit;clear:left;\">Kra<span class=\"_ _2\"></span>ft og vann<span class=\"_ _1\"></span>for<span class=\"_ _1\"></span>syning<span class=\"_ _60\"> </span>2 487<span class=\"_ _1a\"> </span><span class=\"ls13b ws1e8\">1<span class=\"_ _8\"></span>68<span class=\"_ _9a\"> </span></span>13<span class=\"_ _8d\"> </span><span class=\"ls13b ws1e8\">2 668<span class=\"_ _212\"> </span></span>0<span class=\"_ _84\"> </span>12</span><span style=\"display:inherit;clear:left;\">By</span><span style=\"display:inherit;clear:left;\">gg<span class=\"_ _2\"></span><span class=\"ls0 ws0\">e- og anle<span class=\"ls14d ws1fd\">gg</span>svirk<span class=\"_ _1\"></span>somhet<span class=\"_ _219\"> </span>6 714<span class=\"_ _8a\"> </span><span class=\"ls132 ws1de\">2<span class=\"_ _8\"></span> 6<span class=\"_ _8\"></span>87<span class=\"_ _5d\"> </span><span class=\"ls31 ws81\">594<span class=\"_ _8d\"> </span></span></span>9 996<span class=\"_ _10d\"> </span><span class=\"ls82 ws14b\">80<span class=\"_ _63\"> </span></span>84</span></span><span style=\"display:inherit;clear:left;\">V<span class=\"_ _2\"></span>arehandel<span class=\"_ _aa\"> </span></span><span style=\"display:inherit;clear:left;\">2 757<span class=\"_ _6b\"> </span></span><span style=\"display:inherit;clear:left;\">1 369<span class=\"_ _78\"> </span></span><span style=\"display:inherit;clear:left;\">151<span class=\"_ _3e\"> </span></span><span style=\"display:inherit;clear:left;\">4<span class=\"_ _8\"></span> 276<span class=\"_ _67\"> </span><span class=\"ls21 ws175\">23<span class=\"_ _b6\"> </span><span class=\"lsa wsa\">53</span></span></span><span style=\"display:inherit;clear:left;\">Utenriks sj\u00f8<span class=\"_ _1\"></span>f<span class=\"_ _1\"></span>art og tr<span class=\"_ _1\"></span>ansport<span class=\"_ _219\"> </span>8 384<span class=\"_ _1b\"> </span></span><span style=\"display:inherit;clear:left;\">401<span class=\"_ _6b\"> </span><span class=\"ls13e ws1ec\">1<span class=\"_ _a\"></span> 476<span class=\"_ _17\"> </span></span></span><span style=\"display:inherit;clear:left;\">10 261</span><span style=\"display:inherit;clear:left;\"><span class=\"_ _6a\"> </span><span class=\"ls126 ws1d0\">158<span class=\"_ _e7\"> </span><span class=\"ls83 wsdd\">125</span></span></span><span style=\"display:inherit;clear:left;\">Hot<span class=\"_ _1\"></span>ell og r<span class=\"_ _1\"></span>estaur<span class=\"_ _1\"></span>an<span class=\"_ _1\"></span>t<span class=\"_ _208\"> </span></span><span style=\"display:inherit;clear:left;\">655<span class=\"_ _21a\"> </span><span class=\"ls82 ws14b\">56<span class=\"_ _68\"> </span></span></span><span style=\"display:inherit;clear:left;\">8<span class=\"_ _e7\"> </span>719<span class=\"_ _216\"> </span>1<span class=\"_ _10c\"> </span><span class=\"ls133 ws1e0\">40</span></span><span style=\"display:inherit;clear:left;\">Eiendomsdrift<span class=\"_ _102\"> </span>16 54<span class=\"_ _2\"></span>9<span class=\"_ _1a\"> </span></span><span style=\"display:inherit;clear:left;\">81<span class=\"_ _8\"></span>0<span class=\"_ _8b\"> </span><span class=\"ls10 ws10\">61<span class=\"_ _18\"> </span></span></span><span style=\"display:inherit;clear:left;\">17 421</span><span style=\"display:inherit;clear:left;\"><span class=\"_ _116\"> </span><span class=\"ls125 ws1cf\">29<span class=\"_ _8\"></span>6<span class=\"_ _e7\"> </span><span class=\"ls126 ws1d0\">158</span></span></span><span style=\"display:inherit;clear:left;\">Tjenest<span class=\"_ _1\"></span>e<span class=\"_ _1\"></span>ytende virksomhe<span class=\"_ _1\"></span>t<span class=\"_ _21b\"> </span></span><span style=\"display:inherit;clear:left;\">3 3<span class=\"_ _8\"></span>69<span class=\"_ _1b\"> </span></span><span style=\"display:inherit;clear:left;\">72<span class=\"_ _8\"></span>5<span class=\"_ _14\"> </span></span><span style=\"display:inherit;clear:left;\">153<span class=\"_ _17\"> </span><span class=\"ls4a ws9d\">4<span class=\"_ _8\"></span> 24<span class=\"_ _8\"></span>6<span class=\"_ _110\"> </span>124<span class=\"_ _6a\"> </span><span class=\"ls139 ws1e6\">51</span></span></span><span style=\"display:inherit;clear:left;\">Off<span class=\"_ _1\"></span>entlig f<span class=\"_ _1\"></span>orv<span class=\"_ _1\"></span>altning<span class=\"_ _1cf\"> </span></span><span style=\"display:inherit;clear:left;\">66<span class=\"_ _8d\"> </span><span class=\"ls133 ws1e0\">46<span class=\"_ _a1\"> </span></span></span><span style=\"display:inherit;clear:left;\">6<span class=\"_ _13\"> </span>117<span class=\"_ _114\"> </span>0<span class=\"_ _43\"> </span>0</span><span style=\"display:inherit;clear:left;\">Andre finansielle f<span class=\"_ _1\"></span>or<span class=\"_ _1\"></span>e<span class=\"_ _1\"></span>tak<span class=\"_ _60\"> </span></span><span style=\"display:inherit;clear:left;\">445<span class=\"_ _21a\"> </span></span><span style=\"display:inherit;clear:left;\">95<span class=\"_ _75\"> </span></span><span style=\"display:inherit;clear:left;\">52<span class=\"_ _e7\"> </span><span class=\"ls31 ws81\">591<span class=\"_ _212\"> </span></span></span><span style=\"display:inherit;clear:left;\">0<span class=\"_ _84\"> </span>17</span><span style=\"display:inherit;clear:left;\">Sum n\u00e6ringsliv<span class=\"_ _18e\"> </span>55 364<span class=\"_ _83\"> </span>8 221<span class=\"_ _90\"> </span>3 064<span class=\"_ _94\"> </span>66 650<span class=\"_ _a0\"> </span><span class=\"ls6 ws6\">978<span class=\"_ _118\"> </span><span class=\"ls4a ws9d\">76<span class=\"_ _8\"></span>5</span></span></span><span style=\"display:inherit;clear:left;\">Per<span class=\"_ _1\"></span>sonkunder<span class=\"_ _21c\"> </span>17<span class=\"_ _1\"></span>0 010<span class=\"_ _d8\"> </span>14 452<span class=\"_ _66\"> </span>11<span class=\"_ _189\"> </span>184 4<span class=\"_ _2\"></span>73<span class=\"_ _a0\"> </span><span class=\"ls137 ws1e4\">272<span class=\"_ _10c\"> </span></span>115</span><span style=\"display:inherit;clear:left;\">Sum brutto eng<span class=\"_ _1\"></span>asjement<span class=\"_ _21d\"> </span>225 3<span class=\"_ _1\"></span>7<span class=\"_ _0\"></span>4<span class=\"_ _a8\"> </span>22 67<span class=\"_ _2\"></span>4<span class=\"_ _89\"> </span></span><span style=\"display:inherit;clear:left;\">3<span class=\"_ _8\"></span> 075<span class=\"_ _6f\"> </span><span class=\"ls133 ws1e0\">251<span class=\"_ _8\"></span> 123<span class=\"_ _20e\"> </span>1<span class=\"_ _8\"></span> 250<span class=\"_ _9d\"> </span><span class=\"ls82 ws14b\">880</span></span></span><span style=\"display:inherit;clear:left;\"> - Modellberegne<span class=\"_ _1\"></span>t nedskriving BM (s<span class=\"_ _1\"></span>teg 1-<span class=\"_ _1\"></span>3)<span class=\"_ _10c\"> </span></span><span style=\"display:inherit;clear:left;\">538<span class=\"_ _8d\"> </span><span class=\"ls8 ws8\">42<span class=\"_ _8d\"> </span></span></span><span style=\"display:inherit;clear:left;\">48<span class=\"_ _15\"> </span><span class=\"ls109 ws16b\">628</span></span><span style=\"display:inherit;clear:left;\"> - Modellberegne<span class=\"_ _1\"></span>t nedskriving PM (s<span class=\"_ _1\"></span>teg 1-<span class=\"_ _1\"></span>3)<span class=\"_ _48\"> </span>106<span class=\"_ _68\"> </span>5<span class=\"_ _4a\"> </span>0<span class=\"_ _b6\"> </span>111</span><span style=\"display:inherit;clear:left;\"> - Nedskriving st<span class=\"_ _1\"></span>eg 3 individuelt vur<span class=\"_ _1\"></span>dert BM<span class=\"_ _13\"> </span><span class=\"ls13 ws13\">227<span class=\"_ _a1\"> </span></span>0<span class=\"_ _a1\"> </span>0<span class=\"_ _9c\"> </span><span class=\"ls13 ws13\">2<span class=\"_ _8\"></span>27</span></span><span style=\"display:inherit;clear:left;\"> - Nedskriving st<span class=\"_ _1\"></span>eg 3 individuelt vur<span class=\"_ _1\"></span>dert PM<span class=\"_ _169\"> </span>10<span class=\"_ _4a\"> </span>0<span class=\"_ _a1\"> </span>0<span class=\"_ _88\"> </span>10</span><span style=\"display:inherit;clear:left;\">Sum net<span class=\"_ _1\"></span>to engasjemen<span class=\"_ _1\"></span>t<span class=\"_ _18a\"> </span>224 4<span class=\"_ _1\"></span>94<span class=\"_ _a8\"> </span>22 62<span class=\"_ _1\"></span>7<span class=\"_ _90\"> </span><span class=\"lsf6 ws158\">3 026<span class=\"_ _83\"> </span></span>250 148</span><span style=\"display:inherit;clear:left;\">MORBANK</span><span style=\"display:inherit;clear:left;\">Jord-, sk<span class=\"_ _1\"></span>ogbruk og fisk<span class=\"_ _1\"></span>eri<span class=\"_ _23\"> </span></span><span style=\"display:inherit;clear:left;\">9 393<span class=\"_ _1b\"> </span></span><span style=\"display:inherit;clear:left;\">87<span class=\"_ _8\"></span>0<span class=\"_ _93\"> </span><span class=\"ls139 ws1e6\">38<span class=\"_ _8\"></span>3<span class=\"_ _93\"> </span></span></span><span style=\"display:inherit;clear:left;\">10 646<span class=\"_ _21e\"> </span>44<span class=\"_ _63\"> </span>84</span><span style=\"display:inherit;clear:left;\">Industri og ber<span class=\"_ _1\"></span>gv<span class=\"_ _1\"></span>erk<span class=\"_ _21f\"> </span>3 990<span class=\"_ _74\"> </span></span><span style=\"display:inherit;clear:left;\">950<span class=\"_ _14\"> </span><span class=\"ls6b wsc3\">167<span class=\"_ _10\"> </span></span></span><span style=\"display:inherit;clear:left;\">5 10<span class=\"_ _2\"></span>7</span><span style=\"display:inherit;clear:left;\"><span class=\"_ _116\"> </span><span class=\"ls4a ws9d\">24<span class=\"_ _8\"></span>8<span class=\"_ _13\"> </span><span class=\"ls131 ws1dd\">1<span class=\"_ _a\"></span>41</span></span></span><span style=\"display:inherit;clear:left;\">Kra<span class=\"_ _2\"></span>ft og vann<span class=\"_ _1\"></span>for<span class=\"_ _1\"></span>syning<span class=\"_ _220\"> </span>2 480<span class=\"_ _12\"> </span><span class=\"ls13b ws1e8\">168<span class=\"_ _9a\"> </span></span>13<span class=\"_ _e9\"> </span><span class=\"ls120 ws1cb\">2 66<span class=\"_ _8\"></span>1<span class=\"_ _114\"> </span></span>0<span class=\"_ _84\"> </span>12</span><span style=\"display:inherit;clear:left;\">By</span><span style=\"display:inherit;clear:left;\">gg<span class=\"_ _2\"></span></span><span style=\"display:inherit;clear:left;\">e- og anle<span class=\"ls14d ws1fd\">gg</span>svirk<span class=\"_ _1\"></span>somhet<span class=\"_ _a7\"> </span></span><span style=\"display:inherit;clear:left;\">6 343<span class=\"_ _89\"> </span></span><span style=\"display:inherit;clear:left;\">2<span class=\"_ _8\"></span> 668<span class=\"_ _74\"> </span></span><span style=\"display:inherit;clear:left;\">594<span class=\"_ _8d\"> </span></span><span style=\"display:inherit;clear:left;\">9 605<span class=\"_ _67\"> </span><span class=\"ls4a ws9d\">76<span class=\"_ _116\"> </span><span class=\"ls13f ws1ed\">83</span></span></span><span style=\"display:inherit;clear:left;\">V<span class=\"_ _2\"></span>arehandel<span class=\"_ _183\"> </span>2 617<span class=\"_ _8e\"> </span></span><span style=\"display:inherit;clear:left;\">1<span class=\"_ _8\"></span> 361<span class=\"_ _17\"> </span><span class=\"ls139 ws1e6\">1<span class=\"_ _8\"></span>51<span class=\"_ _91\"> </span></span></span><span style=\"display:inherit;clear:left;\">4 129<span class=\"_ _209\"> </span>22<span class=\"_ _b6\"> </span><span class=\"lsa wsa\">53</span></span><span style=\"display:inherit;clear:left;\">Utenriks sj\u00f8<span class=\"_ _1\"></span>f<span class=\"_ _1\"></span>art og tr<span class=\"_ _1\"></span>ansport<span class=\"_ _221\"> </span>8 0<span class=\"_ _1\"></span>71<span class=\"_ _5d\"> </span></span><span style=\"display:inherit;clear:left;\">3<span class=\"_ _8\"></span>82<span class=\"_ _6b\"> </span></span><span style=\"display:inherit;clear:left;\">1<span class=\"_ _8\"></span> 47<span class=\"_ _8\"></span>6<span class=\"_ _75\"> </span></span><span style=\"display:inherit;clear:left;\">9 929<span class=\"_ _64\"> </span><span class=\"ls31 ws81\">1<span class=\"_ _8\"></span>57<span class=\"_ _25\"> </span><span class=\"ls4a ws9d\">1<span class=\"_ _8\"></span>24</span></span></span><span style=\"display:inherit;clear:left;\">Hot<span class=\"_ _1\"></span>ell og r<span class=\"_ _1\"></span>estaur<span class=\"_ _1\"></span>an<span class=\"_ _1\"></span>t<span class=\"_ _20c\"> </span></span><span style=\"display:inherit;clear:left;\">595<span class=\"_ _3e\"> </span><span class=\"ls82 ws14b\">56<span class=\"_ _68\"> </span></span></span><span style=\"display:inherit;clear:left;\">8<span class=\"_ _97\"> </span><span class=\"ls31 ws81\">6<span class=\"_ _8\"></span>59<span class=\"_ _146\"> </span></span>1<span class=\"_ _48\"> </span><span class=\"ls136 ws1e3\">39</span></span><span style=\"display:inherit;clear:left;\">Eiendomsdrift<span class=\"_ _fd\"> </span>16 515<span class=\"_ _74\"> </span></span><span style=\"display:inherit;clear:left;\">806<span class=\"_ _8b\"> </span><span class=\"ls10 ws10\">61<span class=\"_ _14\"> </span></span></span><span style=\"display:inherit;clear:left;\">17 382</span><span style=\"display:inherit;clear:left;\"><span class=\"_ _116\"> </span><span class=\"ls125 ws1cf\">29<span class=\"_ _8\"></span>6<span class=\"_ _25\"> </span><span class=\"ls126 ws1d0\">1<span class=\"_ _8\"></span>58</span></span></span><span style=\"display:inherit;clear:left;\">Tjenest<span class=\"_ _1\"></span>e<span class=\"_ _1\"></span>ytende virksomhe<span class=\"_ _1\"></span>t<span class=\"_ _b5\"> </span></span><span style=\"display:inherit;clear:left;\">2<span class=\"_ _8\"></span> 692<span class=\"_ _93\"> </span></span><span style=\"display:inherit;clear:left;\">685<span class=\"_ _74\"> </span></span><span style=\"display:inherit;clear:left;\">200<span class=\"_ _75\"> </span><span class=\"ls4a ws9d\">3<span class=\"_ _8\"></span> 576<span class=\"_ _110\"> </span>1<span class=\"_ _8\"></span>24<span class=\"_ _48\"> </span><span class=\"ls82 ws14b\">50</span></span></span><span style=\"display:inherit;clear:left;\">Off<span class=\"_ _1\"></span>entlig f<span class=\"_ _1\"></span>orv<span class=\"_ _1\"></span>altning<span class=\"_ _1cf\"> </span></span><span style=\"display:inherit;clear:left;\">66<span class=\"_ _8d\"> </span><span class=\"ls133 ws1e0\">46<span class=\"_ _a1\"> </span></span></span><span style=\"display:inherit;clear:left;\">6<span class=\"_ _13\"> </span>117<span class=\"_ _114\"> </span>0<span class=\"_ _43\"> </span>0</span><span style=\"display:inherit;clear:left;\">Andre finansielle f<span class=\"_ _1\"></span>or<span class=\"_ _1\"></span>e<span class=\"_ _1\"></span>tak<span class=\"_ _60\"> </span></span><span style=\"display:inherit;clear:left;\">445<span class=\"_ _21a\"> </span></span><span style=\"display:inherit;clear:left;\">95<span class=\"_ _75\"> </span></span><span style=\"display:inherit;clear:left;\">52<span class=\"_ _e7\"> </span><span class=\"ls31 ws81\">591<span class=\"_ _212\"> </span></span></span><span style=\"display:inherit;clear:left;\">0<span class=\"_ _84\"> </span>17</span><span style=\"display:inherit;clear:left;\">Sum n\u00e6ringsliv<span class=\"_ _149\"> </span>53 2<span class=\"_ _1\"></span>06<span class=\"_ _89\"> </span><span class=\"ls132 ws1de\">8<span class=\"_ _8\"></span> 0<span class=\"_ _8\"></span>87<span class=\"_ _94\"> </span></span>3 111<span class=\"_ _86\"> </span>64 404<span class=\"_ _116\"> </span><span class=\"ls13b ws1e8\">968<span class=\"_ _99\"> </span><span class=\"ls4a ws9d\">76<span class=\"_ _8\"></span>1</span></span></span><span style=\"display:inherit;clear:left;\">Per<span class=\"_ _1\"></span>sonkunder<span class=\"_ _135\"> </span>44 880<span class=\"_ _83\"> </span>5 718<span class=\"_ _96\"> </span>11<span class=\"_ _94\"> </span></span><span style=\"display:inherit;clear:left;\">50 608<span class=\"_ _110\"> </span><span class=\"ls139 ws1e6\">1<span class=\"_ _8\"></span>38<span class=\"_ _48\"> </span><span class=\"ls120 ws1cb\">66</span></span></span><span style=\"display:inherit;clear:left;\">Sum brutto eng<span class=\"_ _1\"></span>asjement<span class=\"_ _b5\"> </span><span class=\"ls82 ws14b\">98<span class=\"_ _8\"></span> 085<span class=\"_ _c7\"> </span></span>13 805<span class=\"_ _8a\"> </span>3 122<span class=\"_ _6e\"> </span>115 012<span class=\"_ _25\"> </span>1 107<span class=\"_ _20e\"> </span><span class=\"ls15 ws15\">828</span></span><span style=\"display:inherit;clear:left;\"> - Modellberegne<span class=\"_ _1\"></span>t nedskriving BM (s<span class=\"_ _1\"></span>teg 1-<span class=\"_ _1\"></span>3)<span class=\"_ _13\"> </span></span><span style=\"display:inherit;clear:left;\">535<span class=\"_ _8d\"> </span><span class=\"ls8 ws8\">42<span class=\"_ _8d\"> </span></span></span><span style=\"display:inherit;clear:left;\">48<span class=\"_ _97\"> </span><span class=\"ls83 wsdd\">625</span></span><span style=\"display:inherit;clear:left;\"> - Modellberegne<span class=\"_ _1\"></span>t nedskriving PM (s<span class=\"_ _1\"></span>teg 1-<span class=\"_ _1\"></span>3)<span class=\"_ _169\"> </span><span class=\"ls31 ws81\">57<span class=\"_ _a2\"> </span></span>5<span class=\"_ _4a\"> </span>0<span class=\"_ _b6\"> </span><span class=\"lsf wsf\">62</span></span><span style=\"display:inherit;clear:left;\"> - Nedskriving st<span class=\"_ _1\"></span>eg 3 individuelt vur<span class=\"_ _1\"></span>dert BM<span class=\"_ _13\"> </span><span class=\"ls13 ws13\">227<span class=\"_ _a1\"> </span></span>0<span class=\"_ _a1\"> </span>0<span class=\"_ _9c\"> </span><span class=\"ls13 ws13\">2<span class=\"_ _8\"></span>27</span></span><span style=\"display:inherit;clear:left;\"> - Nedskriving st<span class=\"_ _1\"></span>eg 3 individuelt vur<span class=\"_ _1\"></span>dert PM<span class=\"_ _b2\"> </span>9<span class=\"_ _a1\"> </span>0<span class=\"_ _4a\"> </span>0<span class=\"_ _c8\"> </span>9</span><span style=\"display:inherit;clear:left;\">Sum net<span class=\"_ _1\"></span>to engasjemen<span class=\"_ _1\"></span>t<span class=\"_ _124\"> </span><span class=\"ls61 wsb5\">97<span class=\"_ _8\"></span> 2<span class=\"_ _8\"></span>58<span class=\"_ _19a\"> </span></span>13 758<span class=\"_ _89\"> </span><span class=\"ls61 wsb5\">3 07<span class=\"_ _8\"></span>3<span class=\"_ _8e\"> </span></span>114 08<span class=\"_ _1\"></span>9</span><span style=\"display:inherit;clear:left;\">No<span class=\"_ _1\"></span>te 11 Besk<span class=\"_ _8\"></span>r<span class=\"_ _8\"></span>iv<span class=\"_ _1\"></span>e<span class=\"_ _1\"></span>lse a<span class=\"_ _2\"></span>v nedsk<span class=\"_ _8\"></span>rivi<span class=\"_ _8\"></span>ngsmode<span class=\"_ _1\"></span>ll etter IFR<span class=\"_ _8\"></span>S 9</span><span style=\"display:inherit;clear:left;\">Denne not<span class=\"_ _1\"></span>e beskriv<span class=\"_ _1\"></span>er bankens modell f<span class=\"_ _1\"></span>or nedskriving a<span class=\"_ _1\"></span>v </span><span style=\"display:inherit;clear:left;\">finansielle eiendeler som er gjeldsinstrumen<span class=\"_ _1\"></span>ter og som ikk<span class=\"_ _1\"></span>e </span><span style=\"display:inherit;clear:left;\">klassifiser<span class=\"_ _1\"></span>er til virkelig v<span class=\"_ _1\"></span>er<span class=\"_ _1\"></span>di o<span class=\"_ _1\"></span>v<span class=\"_ _1\"></span>er r<span class=\"_ _1\"></span>esulta<span class=\"_ _1\"></span>t. De gener<span class=\"_ _1\"></span>elle </span><span style=\"display:inherit;clear:left;\">prinsipper for ne<span class=\"_ _1\"></span>dskriving er beskre<span class=\"_ _1\"></span>v<span class=\"_ _1\"></span>et i no<span class=\"_ _1\"></span>t<span class=\"_ _1\"></span>e 13.</span><span style=\"display:inherit;clear:left;\">Sparebank<span class=\"_ _1\"></span>en V<span class=\"_ _2\"></span>est har lage<span class=\"_ _1\"></span>t en rutine f<span class=\"_ _1\"></span>or kv<span class=\"_ _1\"></span>artalsvis ber<span class=\"_ _1\"></span>egning </span><span style=\"display:inherit;clear:left;\">a<span class=\"_ _1\"></span>v tap som b<span class=\"_ _1\"></span>y<span class=\"_ _1\"></span>gger p\u00e5 his<span class=\"_ _1\"></span>torikk o<span class=\"_ _1\"></span>v<span class=\"_ _1\"></span>er kon<span class=\"_ _1\"></span>t<span class=\"_ _1\"></span>o- og kundeda<span class=\"_ _1\"></span>ta f<span class=\"_ _1\"></span>or hele </span><span style=\"display:inherit;clear:left;\">kredit<span class=\"_ _1\"></span>tporte<span class=\"_ _1\"></span>f<span class=\"_ _1\"></span>\u00f8ljen, utl\u00e5n, kr<span class=\"_ _1\"></span>editt og gar<span class=\"_ _1\"></span>an<span class=\"_ _1\"></span>tier<span class=\"_ _0\"></span>.</span><span style=\"display:inherit;clear:left;\">M\u00e5let f<span class=\"_ _1\"></span>or modellen er \u00e5 ber<span class=\"_ _1\"></span>egne f<span class=\"_ _1\"></span>orven<span class=\"_ _1\"></span>t<span class=\"_ _1\"></span>et kr<span class=\"_ _1\"></span>edit<span class=\"_ _1\"></span>tap (ECL) som er </span><span style=\"display:inherit;clear:left;\">frema<span class=\"_ _1\"></span>dskuende og f<span class=\"_ _1\"></span>orven<span class=\"_ _1\"></span>tningsr<span class=\"_ _1\"></span>e<span class=\"_ _1\"></span>tt.</span><span style=\"display:inherit;clear:left;\">T<span class=\"_ _0\"></span>apsestimat<span class=\"_ _1\"></span>ene ber<span class=\"_ _1\"></span>egnes basert p\u00e5 12 m\u00e5neders og livslang </span><span style=\"display:inherit;clear:left;\">sannsynlighe<span class=\"_ _1\"></span>t f<span class=\"_ _1\"></span>or kundens mislighold (pr<span class=\"_ _1\"></span>obability o<span class=\"_ _1\"></span>f def<span class=\"_ _1\"></span>ault </span><span style=\"display:inherit;clear:left;\">\u2013 PD), tap gitt mislighold (loss given de<span class=\"_ _1\"></span>f<span class=\"_ _1\"></span>ault \u2013 L<span class=\"_ _2\"></span>GD) og </span><span style=\"display:inherit;clear:left;\">eksponering v<span class=\"_ _1\"></span>ed mislighold (e<span class=\"_ _1\"></span>xposur<span class=\"_ _1\"></span>e a<span class=\"_ _1\"></span>t def<span class=\"_ _2\"></span>ault \u2013 EAD). Historikk </span><span style=\"display:inherit;clear:left;\">for observ<span class=\"_ _1\"></span>ert misligholdsr<span class=\"_ _1\"></span>a<span class=\"_ _1\"></span>te (PD) og observ<span class=\"_ _1\"></span>ert tapsgra<span class=\"_ _1\"></span>d (L<span class=\"_ _1\"></span>GD) </span><span style=\"display:inherit;clear:left;\">danner grunnlag for \u00e5 lag<span class=\"_ _1\"></span>e gode e<span class=\"_ _1\"></span>stima<span class=\"_ _1\"></span>t<span class=\"_ _1\"></span>er p\u00e5 fr<span class=\"_ _1\"></span>emtidig<span class=\"_ _1\"></span>e v<span class=\"_ _1\"></span>erdier </span><span style=\"display:inherit;clear:left;\">for PD og L<span class=\"_ _2\"></span>GD. Bank<span class=\"_ _1\"></span>en benyt<span class=\"_ _1\"></span>ter en eg<span class=\"_ _1\"></span>enutvikle<span class=\"_ _1\"></span>t makromodell f<span class=\"_ _1\"></span>or </span><span style=\"display:inherit;clear:left;\">\u00e5 kunne gi frema<span class=\"_ _1\"></span>dskuende estima<span class=\"_ _2\"></span>ter for PD<span class=\"_ _1\"></span>, mens L<span class=\"_ _2\"></span>GD-</span><span style=\"display:inherit;clear:left;\">modellene har inneb<span class=\"_ _1\"></span>y<span class=\"_ _1\"></span>gge<span class=\"_ _1\"></span>t makr<span class=\"_ _1\"></span>opar<span class=\"_ _1\"></span>amet<span class=\"_ _1\"></span>er<span class=\"_ _1\"></span>e. F<span class=\"_ _1\"></span>r<span class=\"_ _1\"></span>ema<span class=\"_ _1\"></span>dskuende </span><span style=\"display:inherit;clear:left;\">EAD baseres p\u00e5 a<span class=\"_ _2\"></span>vtalt nedbetalingsplan og observerte niv<span class=\"_ _2\"></span>\u00e5er p\u00e5 </span><span style=\"display:inherit;clear:left;\">f<span class=\"_ _1\"></span>aktiske nedbe<span class=\"_ _1\"></span>talinger og inn<span class=\"_ _1\"></span>frielser<span class=\"_ _0\"></span>. Alle estima<span class=\"_ _1\"></span>ter se<span class=\"_ _1\"></span>t<span class=\"_ _1\"></span>tes mes<span class=\"_ _1\"></span>t </span><span style=\"display:inherit;clear:left;\">mulig forv<span class=\"_ _1\"></span>en<span class=\"_ _1\"></span>tningsr<span class=\"_ _1\"></span>et<span class=\"_ _1\"></span>te. De skiller seg dermed fr<span class=\"_ _1\"></span>a tils<span class=\"_ _1\"></span>v<span class=\"_ _1\"></span>ar<span class=\"_ _1\"></span>ende </span><span style=\"display:inherit;clear:left;\">estima<span class=\"_ _1\"></span>t<span class=\"_ _1\"></span>er f<span class=\"_ _1\"></span>or PD<span class=\"_ _1\"></span>, L<span class=\"_ _1\"></span>GD og EAD som inng\u00e5r i k<span class=\"_ _1\"></span>apitalber<span class=\"_ _1\"></span>egningen. I </span><span style=\"display:inherit;clear:left;\">kapitalber<span class=\"_ _1\"></span>egning er estima<span class=\"_ _1\"></span>t<span class=\"_ _1\"></span>ene mer konserv<span class=\"_ _1\"></span>a<span class=\"_ _1\"></span>tiv<span class=\"_ _1\"></span>e v<span class=\"_ _1\"></span>ed bl.a. \u00e5 </span><span style=\"display:inherit;clear:left;\">inkludere sikk<span class=\"_ _1\"></span>erhe<span class=\"_ _1\"></span>tsmar<span class=\"_ _1\"></span>giner/MoC samtidig som L<span class=\"_ _1\"></span>GD og EAD er </span><span style=\"display:inherit;clear:left;\">estimert f<span class=\"_ _1\"></span>or alv<span class=\"_ _1\"></span>orlig nedgangskonjunktur<span class=\"_ _0\"></span>.</span><span style=\"display:inherit;clear:left;\">I tr\u00e5<span class=\"_ _1\"></span>d med IFRS 9 grupper<span class=\"_ _1\"></span>er banken sine utl\u00e5n i tr<span class=\"_ _1\"></span>e s<span class=\"_ _1\"></span>teg basert </span><span style=\"display:inherit;clear:left;\">p\u00e5 misligholdssannsynlighe<span class=\"_ _1\"></span>t<span class=\"_ _1\"></span>er (PD) p\u00e5 innr<span class=\"_ _1\"></span>egningstidspunkt<span class=\"_ _1\"></span>et </span><span style=\"display:inherit;clear:left;\">sammenlignet med misligholds<span class=\"_ _1\"></span>sannsynlig<span class=\"_ _1\"></span>et p\u00e5 balanse<span class=\"_ _1\"></span>dagen, </span><span style=\"display:inherit;clear:left;\">samt a<span class=\"_ _2\"></span>vsjekk mot wa<span class=\"_ _2\"></span>tchlist, forbear<span class=\"_ _1\"></span>ance og a<span class=\"_ _2\"></span>vdrag som er mer </span><span style=\"display:inherit;clear:left;\">enn 30 dag<span class=\"_ _1\"></span>er et<span class=\"_ _1\"></span>ter f<span class=\"_ _1\"></span>orf<span class=\"_ _1\"></span>all. Tildeling til st<span class=\"_ _1\"></span>eg 1, 2 eller 3 gj\u00f8r<span class=\"_ _1\"></span>es </span><span style=\"display:inherit;clear:left;\">alts\u00e5 f<span class=\"_ _1\"></span>or det enk<span class=\"_ _1\"></span>elte l\u00e5n (eller eng<span class=\"_ _1\"></span>asjement). En enk<span class=\"_ _1\"></span>elt kunde kan </span><span style=\"display:inherit;clear:left;\">dermed ha l\u00e5n i ulike s<span class=\"_ _1\"></span>teg. </span><span style=\"display:inherit;clear:left;\">Banken ben<span class=\"_ _1\"></span>ytt<span class=\"_ _1\"></span>er samme PD-modell som i IRB, men uten </span><span style=\"display:inherit;clear:left;\">kalibr<span class=\"_ _1\"></span>ering, det vil si uten sikk<span class=\"_ _1\"></span>erhe<span class=\"_ _1\"></span>tsmarginer sammen med </span><span style=\"display:inherit;clear:left;\">makromodellen, som e<span class=\"_ _1\"></span>t utgangspunkt f<span class=\"_ _1\"></span>or vur<span class=\"_ _1\"></span>dering a<span class=\"_ _1\"></span>v \u00f8kt </span><span style=\"display:inherit;clear:left;\">kredit<span class=\"_ _1\"></span>trisik<span class=\"_ _1\"></span>o. P<span class=\"_ _1\"></span>er 31. de<span class=\"_ _1\"></span>sember 20<span class=\"_ _1\"></span>23 ben<span class=\"_ _1\"></span>ytt<span class=\"_ _1\"></span>es IRB-modeller som </span><span style=\"display:inherit;clear:left;\">ligger til behandling hos Finans<span class=\"_ _1\"></span>tilsyne<span class=\"_ _1\"></span>t som grunnlag f<span class=\"_ _1\"></span>or IFRS-</span><span style=\"display:inherit;clear:left;\">modellen. V<span class=\"_ _2\"></span>alidering av modellene viser a<span class=\"_ _1\"></span>t tr<span class=\"_ _1\"></span>e<span class=\"_ _1\"></span>ffsikk<span class=\"_ _1\"></span>erhet<span class=\"_ _1\"></span>en f<span class=\"_ _1\"></span>or </span><span style=\"display:inherit;clear:left;\">PD-estima<span class=\"_ _1\"></span>t<span class=\"_ _1\"></span>ene dr<span class=\"_ _1\"></span>a PD-modellene er god, b\u00e5de p\u00e5 k<span class=\"_ _1\"></span>orter<span class=\"_ _1\"></span>e og </span><span style=\"display:inherit;clear:left;\">lengre horison<span class=\"_ _1\"></span>t. Le<span class=\"_ _1\"></span>ve<span class=\"_ _1\"></span>tid er sa<span class=\"_ _1\"></span>t<span class=\"_ _1\"></span>t lik r<span class=\"_ _1\"></span>est<span class=\"_ _1\"></span>er<span class=\"_ _1\"></span>ende l\u00f8petid f<span class=\"_ _1\"></span>or de </span><span style=\"display:inherit;clear:left;\">engasjemen<span class=\"_ _1\"></span>t som har inf<span class=\"_ _1\"></span>ormasjon om a<span class=\"_ _1\"></span>vtalt inn<span class=\"_ _1\"></span>frielse.</span><span style=\"display:inherit;clear:left;\">St<span class=\"_ _1\"></span>eg 1: <span class=\"ff4\">Det<span class=\"_ _1\"></span>te er s<span class=\"_ _1\"></span>tartpunkt f<span class=\"_ _1\"></span>or alle finansielle eiendeler omf<span class=\"_ _1\"></span>a<span class=\"_ _2\"></span>ttet </span></span><span style=\"display:inherit;clear:left;\">a<span class=\"_ _1\"></span>v den gener<span class=\"_ _1\"></span>elle tapsmodellen. Alle eiendeler som ikk<span class=\"_ _1\"></span>e har </span><span style=\"display:inherit;clear:left;\">vesen<span class=\"_ _1\"></span>tlig h\u00f8<span class=\"_ _1\"></span>y<span class=\"_ _1\"></span>er<span class=\"_ _1\"></span>e kr<span class=\"_ _1\"></span>edittrisik<span class=\"_ _1\"></span>o enn v<span class=\"_ _1\"></span>ed f<span class=\"_ _1\"></span>\u00f8rst<span class=\"_ _1\"></span>egangsinnr<span class=\"_ _1\"></span>egning f<span class=\"_ _1\"></span>\u00e5r </span><span style=\"display:inherit;clear:left;\">en a<span class=\"_ _1\"></span>vse<span class=\"_ _1\"></span>tning til tap som tilsv<span class=\"_ _1\"></span>ar<span class=\"_ _1\"></span>er 12 m\u00e5neders f<span class=\"_ _1\"></span>orv<span class=\"_ _1\"></span>en<span class=\"_ _1\"></span>te<span class=\"_ _1\"></span>t tap, de<span class=\"_ _1\"></span>t </span><span style=\"display:inherit;clear:left;\">vil si tap knyt<span class=\"_ _1\"></span>te<span class=\"_ _1\"></span>t til po<span class=\"_ _1\"></span>tensielle hendelser i l\u00f8pe<span class=\"_ _1\"></span>t a<span class=\"_ _1\"></span>v 12 m\u00e5neder </span><span style=\"display:inherit;clear:left;\">et<span class=\"_ _1\"></span>ter r<span class=\"_ _1\"></span>apporteringsda<span class=\"_ _2\"></span>to. I denne ka<span class=\"_ _1\"></span>t<span class=\"_ _1\"></span>egorien ligg<span class=\"_ _1\"></span>er alle eiendeler </span><span style=\"display:inherit;clear:left;\">som ikke er o<span class=\"_ _1\"></span>v<span class=\"_ _1\"></span>erf\u00f8rt til s<span class=\"_ _1\"></span>teg 2 eller 3<span class=\"_ _1\"></span>. </span><span style=\"display:inherit;clear:left;\">St<span class=\"_ _1\"></span>eg 2:<span class=\"ff4\"> I st<span class=\"_ _1\"></span>eg 2 klassifiser<span class=\"_ _1\"></span>es eiendeler som har ha<span class=\"_ _1\"></span>t<span class=\"_ _1\"></span>t en vesen<span class=\"_ _1\"></span>tlig </span></span><span style=\"display:inherit;clear:left;\">\u00f8kning i kredit<span class=\"_ _1\"></span>trisik<span class=\"_ _1\"></span>o siden f\u00f8r<span class=\"_ _1\"></span>st<span class=\"_ _1\"></span>egangsinnr<span class=\"_ _1\"></span>egning, og hv<span class=\"_ _1\"></span>or det </span><span style=\"display:inherit;clear:left;\">ikke er objektiv<span class=\"_ _1\"></span>e bevis p\u00e5 tap (se de<span class=\"_ _1\"></span>finisjon under s<span class=\"_ _1\"></span>teg 3). F<span class=\"_ _2\"></span>or </span><span style=\"display:inherit;clear:left;\">disse eiendelene skal de<span class=\"_ _1\"></span>t a<span class=\"_ _1\"></span>vse<span class=\"_ _1\"></span>tt<span class=\"_ _1\"></span>es f<span class=\"_ _1\"></span>or f<span class=\"_ _1\"></span>orven<span class=\"_ _1\"></span>t<span class=\"_ _1\"></span>et tap o<span class=\"_ _1\"></span>v<span class=\"_ _1\"></span>er </span><span style=\"display:inherit;clear:left;\">lev<span class=\"_ _1\"></span>e<span class=\"_ _1\"></span>tiden. I denne gruppen finner vi utl\u00e5n med vesen<span class=\"_ _1\"></span>tlig \u00f8kt </span><span style=\"display:inherit;clear:left;\">kredit<span class=\"_ _1\"></span>trisik<span class=\"_ _1\"></span>o og som ikke er i mislighold (dv<span class=\"_ _1\"></span>s ikke i s<span class=\"_ _1\"></span>teg 3<span class=\"_ _1\"></span>, se </span><span style=\"display:inherit;clear:left;\">nedenf<span class=\"_ _1\"></span>or). N\u00e5r de<span class=\"_ _1\"></span>t gjelder a<span class=\"_ _1\"></span>v<span class=\"_ _1\"></span>gr<span class=\"_ _1\"></span>ensing mot s<span class=\"_ _1\"></span>teg 1 de<span class=\"_ _1\"></span>finer<span class=\"_ _1\"></span>er </span><span style=\"display:inherit;clear:left;\">banken selv h<span class=\"_ _1\"></span>v<span class=\"_ _1\"></span>a som er vesen<span class=\"_ _1\"></span>tlig \u00f8kning i kr<span class=\"_ _1\"></span>edit<span class=\"_ _1\"></span>trisiko<span class=\"_ _1\"></span>. IFRS 9 </span><span style=\"display:inherit;clear:left;\">beskriver imidlertid a<span class=\"_ _1\"></span>t de<span class=\"_ _1\"></span>t vil ha v<span class=\"_ _1\"></span>\u00e6rt en v<span class=\"_ _1\"></span>esentlig \u00f8kning i </span><span style=\"display:inherit;clear:left;\">kredit<span class=\"_ _1\"></span>trisik<span class=\"_ _1\"></span>o, med mindr<span class=\"_ _1\"></span>e de<span class=\"_ _1\"></span>tt<span class=\"_ _1\"></span>e kan tilbake<span class=\"_ _1\"></span>vises, dersom </span><span style=\"display:inherit;clear:left;\">signifikant o<span class=\"_ _1\"></span>v<span class=\"_ _1\"></span>ertr<span class=\"_ _1\"></span>ekk har v<span class=\"_ _1\"></span>arighet p\u00e5 3<span class=\"_ _1\"></span>0 til 90 dager (90 dag<span class=\"_ _1\"></span>er </span><span style=\"display:inherit;clear:left;\">eller mer er definert som e<span class=\"_ _1\"></span>t mislighold). </span><span style=\"display:inherit;clear:left;\">PD</span><span style=\"display:inherit;clear:left;\">Banken ben<span class=\"_ _1\"></span>ytt<span class=\"_ _1\"></span>er PD-niv<span class=\"_ _1\"></span>\u00e5 som det prim\u00e6r<span class=\"_ _1\"></span>e krit<span class=\"_ _1\"></span>erie<span class=\"_ _1\"></span>t for v<span class=\"_ _1\"></span>esen<span class=\"_ _1\"></span>tlig </span><span style=\"display:inherit;clear:left;\">\u00f8kt kredit<span class=\"_ _1\"></span>trisik<span class=\"_ _1\"></span>o. Pr<span class=\"_ _1\"></span>edik<span class=\"_ _1\"></span>ert PD p\u00e5 rapport<span class=\"_ _1\"></span>eringstidspunkt </span><span style=\"display:inherit;clear:left;\">sammenlignes med pr<span class=\"_ _1\"></span>edikert PD i sist<span class=\"_ _1\"></span>e tilgjengelig<span class=\"_ _1\"></span>e modell-</span><span style=\"display:inherit;clear:left;\">ver<span class=\"_ _1\"></span>sjon r<span class=\"_ _1\"></span>escor<span class=\"_ _1\"></span>et v<span class=\"_ _1\"></span>ed inn<span class=\"_ _1\"></span>vilgelse. Hvis f<span class=\"_ _1\"></span>\u00f8lg<span class=\"_ _1\"></span>ende kriterier er </span><span style=\"display:inherit;clear:left;\">oppfylt klassifiser<span class=\"_ _1\"></span>er engasjemen<span class=\"_ _1\"></span>t<span class=\"_ _1\"></span>et i s<span class=\"_ _1\"></span>teg 2:</span><span style=\"display:inherit;clear:left;\">\u2022 <span class=\"_ _8\"></span>PD mer enn doblet siden innvilg<span class=\"_ _1\"></span>else</span><span style=\"display:inherit;clear:left;\">\u2022 <span class=\"_ _8\"></span>Doblet PD utgj\u00f8r minimum 0<span class=\"_ _1\"></span>,<span class=\"_ _1\"></span>6 %</span><span style=\"display:inherit;clear:left;\">Wa<span class=\"_ _0\"></span>tchlis<span class=\"_ _1\"></span>t</span><span style=\"display:inherit;clear:left;\">F<span class=\"_ _2\"></span>or \u00e5 ta hensyn til frema<span class=\"_ _1\"></span>dskuende in<span class=\"_ _1\"></span>formasjon o<span class=\"_ _1\"></span>g for \u00e5 f<span class=\"_ _1\"></span>ang<span class=\"_ _1\"></span>e </span><span style=\"display:inherit;clear:left;\">opp andre r<span class=\"_ _1\"></span>ele<span class=\"_ _1\"></span>v<span class=\"_ _1\"></span>an<span class=\"_ _1\"></span>te f<span class=\"_ _1\"></span>orhold som kan ha inn<span class=\"_ _1\"></span>truff<span class=\"_ _1\"></span>e<span class=\"_ _1\"></span>t, men som ikke </span><span style=\"display:inherit;clear:left;\">har blitt f<span class=\"_ _1\"></span>ang<span class=\"_ _1\"></span>et opp a<span class=\"_ _1\"></span>v bank<span class=\"_ _1\"></span>ens PD-modeller<span class=\"_ _0\"></span>, s\u00e5 har banken valgt </span><span style=\"display:inherit;clear:left;\">\u00e5 bruke w<span class=\"_ _1\"></span>a<span class=\"_ _1\"></span>tchlis<span class=\"_ _1\"></span>t med utsa<span class=\"_ _1\"></span>t<span class=\"_ _1\"></span>te kunder<span class=\"_ _0\"></span>. Disse engasjemen<span class=\"_ _1\"></span>t blir da </span><span style=\"display:inherit;clear:left;\">ov<span class=\"_ _1\"></span>ers<span class=\"_ _1\"></span>tyrt til st<span class=\"_ _1\"></span>eg 2 \u2013 hvis de ikk<span class=\"_ _1\"></span>e aller<span class=\"_ _1\"></span>ede finnes i st<span class=\"_ _1\"></span>eg 2 eller 3. I </span><span style=\"display:inherit;clear:left;\">tillegg kan PD bli oppr<span class=\"_ _1\"></span>egulert for eng<span class=\"_ _1\"></span>asjement p\u00e5 w<span class=\"_ _1\"></span>a<span class=\"_ _1\"></span>tchlis<span class=\"_ _1\"></span>t som </span><span style=\"display:inherit;clear:left;\">f\u00f8lg<span class=\"_ _1\"></span>e a<span class=\"_ _1\"></span>v a<span class=\"_ _1\"></span>t dis<span class=\"_ _1\"></span>se kundene f<span class=\"_ _1\"></span>\u00e5r et gulv i f<span class=\"_ _1\"></span>orhold til PD<span class=\"_ _2\"></span>.</span><span style=\"display:inherit;clear:left;\">Bet<span class=\"_ _1\"></span>alingsle<span class=\"_ _1\"></span>t<span class=\"_ _2\"></span>telser (f<span class=\"_ _1\"></span>orbearanc<span class=\"_ _1\"></span>e)</span><span style=\"display:inherit;clear:left;\">Engasjemen<span class=\"_ _1\"></span>t med betalingsle<span class=\"_ _1\"></span>t<span class=\"_ _1\"></span>telser kan v<span class=\"_ _1\"></span>\u00e6r<span class=\"_ _1\"></span>e en<span class=\"_ _1\"></span>ten frisk<span class=\"_ _1\"></span>e eller </span><span style=\"display:inherit;clear:left;\">tapsutsa<span class=\"_ _1\"></span>tt<span class=\"_ _1\"></span>e. Engasjemen<span class=\"_ _1\"></span>t med be<span class=\"_ _1\"></span>talingslet<span class=\"_ _1\"></span>telser om<span class=\"_ _1\"></span>f<span class=\"_ _1\"></span>a<span class=\"_ _1\"></span>t<span class=\"_ _1\"></span>ter </span><span style=\"display:inherit;clear:left;\">engasjemen<span class=\"_ _1\"></span>t der det er gitt mer guns<span class=\"_ _1\"></span>tige vilk<span class=\"_ _1\"></span>\u00e5r (re<span class=\"_ _1\"></span>f<span class=\"_ _1\"></span>orhandling), </span><span style=\"display:inherit;clear:left;\">eller re<span class=\"_ _1\"></span>finansiering a<span class=\"_ _1\"></span>v e<span class=\"_ _1\"></span>t engasjemen<span class=\"_ _1\"></span>t, som f\u00f8lg<span class=\"_ _1\"></span>e a<span class=\"_ _1\"></span>v a<span class=\"_ _1\"></span>t debit<span class=\"_ _1\"></span>or </span><span style=\"display:inherit;clear:left;\">har \u00f8konomisk<span class=\"_ _1\"></span>e pr<span class=\"_ _1\"></span>oblemer<span class=\"_ _2\"></span>. Kriterie<span class=\"_ _1\"></span>t om a<span class=\"_ _1\"></span>t debit<span class=\"_ _1\"></span>or er i </span><span style=\"display:inherit;clear:left;\">\u00f8konomisk<span class=\"_ _1\"></span>e pr<span class=\"_ _1\"></span>oblemer skiller betalingsle<span class=\"_ _1\"></span>tt<span class=\"_ _1\"></span>elser fr<span class=\"_ _1\"></span>a v<span class=\"_ _1\"></span>anlige </span><span style=\"display:inherit;clear:left;\">forr<span class=\"_ _1\"></span>e<span class=\"_ _1\"></span>tningsmessig<span class=\"_ _1\"></span>e r<span class=\"_ _1\"></span>ef<span class=\"_ _1\"></span>orhandling<span class=\"_ _1\"></span>er a<span class=\"_ _1\"></span>v vilk\u00e5r<span class=\"_ _0\"></span>. Det er med andr<span class=\"_ _1\"></span>e </span><span style=\"display:inherit;clear:left;\">ord e<span class=\"_ _1\"></span>t tilleggsmomen<span class=\"_ _1\"></span>t a<span class=\"_ _1\"></span>t bank<span class=\"_ _1\"></span>en ikke ville gitt l\u00e5n til dis<span class=\"_ _1\"></span>se vilk\u00e5r </span><span style=\"display:inherit;clear:left;\">ved en or<span class=\"_ _1\"></span>din\u00e6r l\u00e5neuts<span class=\"_ _1\"></span>te<span class=\"_ _1\"></span>delse. Det<span class=\"_ _1\"></span>te de<span class=\"_ _1\"></span>finer<span class=\"_ _1\"></span>er \u00abf<span class=\"_ _1\"></span>orbearanc<span class=\"_ _1\"></span>e\u00bb. </span><span style=\"display:inherit;clear:left;\">Dersom e<span class=\"_ _1\"></span>t engasjemen<span class=\"_ _1\"></span>t kommer inn under denne ka<span class=\"_ _1\"></span>t<span class=\"_ _1\"></span>egorien </span><span style=\"display:inherit;clear:left;\">gener<span class=\"_ _1\"></span>er<span class=\"_ _1\"></span>es en kar<span class=\"_ _1\"></span>an<span class=\"_ _1\"></span>tene p\u00e5 2<span class=\"_ _2\"></span>4 m\u00e5neder f\u00f8r det e<span class=\"_ _1\"></span>v<span class=\"_ _1\"></span>entuelt </span><span style=\"display:inherit;clear:left;\">friskmeldes. Disse engasjemen<span class=\"_ _1\"></span>t blir o<span class=\"_ _1\"></span>v<span class=\"_ _1\"></span>erstyrt til s<span class=\"_ _1\"></span>teg 2 \u2013 h<span class=\"_ _1\"></span>vis de </span><span style=\"display:inherit;clear:left;\">ikke aller<span class=\"_ _1\"></span>ede finnes i s<span class=\"_ _1\"></span>teg 2 eller 3<span class=\"_ _1\"></span>, og PD kan bli oppr<span class=\"_ _1\"></span>egulert.</span><span style=\"display:inherit;clear:left;\">Oppsummert vil f\u00f8lg<span class=\"_ _1\"></span>ende engasjemen<span class=\"_ _1\"></span>t bli ka<span class=\"_ _1\"></span>t<span class=\"_ _1\"></span>egorisert under </span><span style=\"display:inherit;clear:left;\">st<span class=\"_ _1\"></span>eg 2:</span><span style=\"display:inherit;clear:left;\">\u2022 PD er minst doble<span class=\"_ _1\"></span>t siden innvilg<span class=\"_ _1\"></span>else og PD er minst 0<span class=\"_ _1\"></span>,<span class=\"_ _1\"></span>6 % eller</span><span style=\"display:inherit;clear:left;\">\u2022 Minst 3<span class=\"_ _1\"></span>0 dagers f<span class=\"_ _1\"></span>or<span class=\"_ _1\"></span>sinke<span class=\"_ _1\"></span>t be<span class=\"_ _1\"></span>taling, eller</span><span style=\"display:inherit;clear:left;\">\u2022  <span class=\"_ _4\"></span>Engasjemente<span class=\"_ _1\"></span>t er en del a<span class=\"_ _1\"></span>v bank<span class=\"_ _1\"></span>ens wa<span class=\"_ _2\"></span>tchlist (som ikke </span><span style=\"display:inherit;clear:left;\">klassifiser<span class=\"_ _1\"></span>er under st<span class=\"_ _1\"></span>eg 3), eller</span><span style=\"display:inherit;clear:left;\">\u2022  <span class=\"_ _4\"></span>At de<span class=\"_ _1\"></span>t er gitt betalingsle<span class=\"_ _1\"></span>t<span class=\"_ _1\"></span>telser i tilkn<span class=\"_ _1\"></span>ytning til engasjemen<span class=\"_ _1\"></span>te<span class=\"_ _1\"></span>t i </span><span style=\"display:inherit;clear:left;\">sammenheng med betalingspr<span class=\"_ _1\"></span>oblemer (f<span class=\"_ _1\"></span>orbear<span class=\"_ _1\"></span>ance)</span><span style=\"display:inherit;clear:left;\">St<span class=\"_ _1\"></span>eg 3:<span class=\"ff4\"> Eiendeler som har ha<span class=\"_ _1\"></span>tt en v<span class=\"_ _1\"></span>esen<span class=\"_ _1\"></span>tlig \u00f8kning i kr<span class=\"_ _1\"></span>edittrisik<span class=\"_ _1\"></span>o </span></span><span style=\"display:inherit;clear:left;\">siden innvilg<span class=\"_ _1\"></span>else, og hv<span class=\"_ _1\"></span>or de<span class=\"_ _1\"></span>t er objektive be<span class=\"_ _1\"></span>vis p\u00e5 tap p\u00e5 </span><span style=\"display:inherit;clear:left;\">balanseda<span class=\"_ _1\"></span>to blir klas<span class=\"_ _1\"></span>sifisert under steg 3<span class=\"_ _1\"></span>. F<span class=\"_ _2\"></span>or disse eiendelene </span><span style=\"display:inherit;clear:left;\">skal det a<span class=\"_ _2\"></span>vsett<span class=\"_ _1\"></span>es f<span class=\"_ _1\"></span>or f<span class=\"_ _1\"></span>orven<span class=\"_ _1\"></span>te<span class=\"_ _1\"></span>t tap o<span class=\"_ _1\"></span>v<span class=\"_ _1\"></span>er lev<span class=\"_ _1\"></span>e<span class=\"_ _1\"></span>tiden. </span><span style=\"display:inherit;clear:left;\">Indika<span class=\"_ _1\"></span>tor<span class=\"_ _1\"></span>er som vur<span class=\"_ _1\"></span>der<span class=\"_ _1\"></span>es n\u00e5r de<span class=\"_ _1\"></span>t skal beslutt<span class=\"_ _1\"></span>es om de<span class=\"_ _1\"></span>t f<span class=\"_ _1\"></span>oreligg<span class=\"_ _1\"></span>er </span><span style=\"display:inherit;clear:left;\">objektive be<span class=\"_ _1\"></span>vis f<span class=\"_ _1\"></span>or tap er v<span class=\"_ _1\"></span>esentlig<span class=\"_ _1\"></span>e finansielle pr<span class=\"_ _1\"></span>oblemer hos </span><span style=\"display:inherit;clear:left;\">debitor<span class=\"_ _0\"></span>, betalingsmislighold eller andr<span class=\"_ _1\"></span>e v<span class=\"_ _1\"></span>esentlig<span class=\"_ _1\"></span>e </span><span style=\"display:inherit;clear:left;\">kon<span class=\"_ _1\"></span>tr<span class=\"_ _1\"></span>aktsbrudd, innvilg<span class=\"_ _1\"></span>et ut<span class=\"_ _1\"></span>set<span class=\"_ _1\"></span>telse a<span class=\"_ _1\"></span>v be<span class=\"_ _1\"></span>taling eller n<span class=\"_ _1\"></span>y kr<span class=\"_ _1\"></span>editt </span><span style=\"display:inherit;clear:left;\">til betaling a<span class=\"_ _2\"></span>v termin, avtalt<span class=\"_ _1\"></span>e endringer i r<span class=\"_ _1\"></span>en<span class=\"_ _1\"></span>tesa<span class=\"_ _2\"></span>tsen eller andre </span><span style=\"display:inherit;clear:left;\">a<span class=\"_ _1\"></span>vtalevilk\u00e5r som f<span class=\"_ _1\"></span>\u00f8lg<span class=\"_ _1\"></span>e a<span class=\"_ _1\"></span>v finansielle pr<span class=\"_ _1\"></span>oblemer hos debitor<span class=\"_ _0\"></span>. </span><span style=\"display:inherit;clear:left;\">Dersom en tapshendelse er iden<span class=\"_ _1\"></span>tifisert vurder<span class=\"_ _1\"></span>es de<span class=\"_ _1\"></span>t om de </span><span style=\"display:inherit;clear:left;\">aktuelle tapshendelsene re<span class=\"_ _1\"></span>duserer eng<span class=\"_ _1\"></span>asjement<span class=\"_ _1\"></span>e<span class=\"_ _1\"></span>ts estimert<span class=\"_ _1\"></span>e </span><span style=\"display:inherit;clear:left;\">frem<span class=\"_ _1\"></span>tidig<span class=\"_ _1\"></span>e kon<span class=\"_ _1\"></span>tan<span class=\"_ _1\"></span>tstr<span class=\"_ _1\"></span>\u00f8mmer<span class=\"_ _0\"></span>. </span><span style=\"display:inherit;clear:left;\">Misligholdsdefinisjonen i IFRS 9 under s<span class=\"_ _1\"></span>teg 3 er sammen<span class=\"_ _1\"></span>f<span class=\"_ _1\"></span>allende </span><span style=\"display:inherit;clear:left;\">med int<span class=\"_ _1\"></span>ern risikos<span class=\"_ _1\"></span>tyring og kapitalkr<span class=\"_ _1\"></span>a<span class=\"_ _1\"></span>v<span class=\"_ _1\"></span>sber<span class=\"_ _1\"></span>egninger<span class=\"_ _0\"></span>. Her </span><span style=\"display:inherit;clear:left;\">anv<span class=\"_ _1\"></span>endes ogs\u00e5 90 dager<span class=\"_ _1\"></span>s f<span class=\"_ _1\"></span>orsinke<span class=\"_ _1\"></span>t be<span class=\"_ _1\"></span>taling som e<span class=\"_ _1\"></span>t viktig </span><span style=\"display:inherit;clear:left;\">kriterium f<span class=\"_ _1\"></span>or mislighold, i tillegg til \u00abunlik<span class=\"_ _1\"></span>eliness to pa<span class=\"_ _2\"></span>y\u00bb i tr\u00e5d </span><span style=\"display:inherit;clear:left;\">med regula<span class=\"_ _2\"></span>toriske kr<span class=\"_ _1\"></span>a<span class=\"_ _1\"></span>v<span class=\"_ _2\"></span>. </span><span style=\"display:inherit;clear:left;\">Migrering fra s<span class=\"_ _1\"></span>t<span class=\"_ _1\"></span>eg 3 til s<span class=\"_ _1\"></span>t<span class=\"_ _1\"></span>eg 2 sam<span class=\"_ _1\"></span>t migrering fr<span class=\"_ _1\"></span>a s<span class=\"_ _1\"></span>te<span class=\"_ _1\"></span>g 2 til </span><span style=\"display:inherit;clear:left;\">ste<span class=\"_ _8\"></span>g<span class=\"_ _8\"></span> 1</span><span style=\"display:inherit;clear:left;\">Engasjemen<span class=\"_ _1\"></span>t vil migrer<span class=\"_ _1\"></span>e fr<span class=\"_ _1\"></span>a s<span class=\"_ _1\"></span>teg 3 til s<span class=\"_ _1\"></span>teg 2 p\u00e5 tidspunkt f<span class=\"_ _1\"></span>or a<span class=\"_ _1\"></span>t </span><span style=\"display:inherit;clear:left;\">misligholdet opph\u00f8r<span class=\"_ _1\"></span>er<span class=\"_ _0\"></span>. Engasjement i s<span class=\"_ _1\"></span>teg 2 vil migr<span class=\"_ _1\"></span>er<span class=\"_ _1\"></span>e til st<span class=\"_ _1\"></span>eg 1 </span><span style=\"display:inherit;clear:left;\">p\u00e5 det tidspunkt e<span class=\"_ _1\"></span>t engasjemen<span class=\"_ _1\"></span>t ikk<span class=\"_ _1\"></span>e har en vesen<span class=\"_ _1\"></span>tlig \u00f8kning i </span><span style=\"display:inherit;clear:left;\">kredit<span class=\"_ _1\"></span>trisik<span class=\"_ _1\"></span>o siden innregnings<span class=\"_ _1\"></span>tidspunkte<span class=\"_ _1\"></span>t e<span class=\"_ _1\"></span>tt<span class=\"_ _1\"></span>er definisjonene </span><span style=\"display:inherit;clear:left;\">re<span class=\"_ _1\"></span>f<span class=\"_ _1\"></span>er<span class=\"_ _1\"></span>ert ov<span class=\"_ _1\"></span>en<span class=\"_ _1\"></span>f<span class=\"_ _1\"></span>or<span class=\"_ _0\"></span>. Unntake<span class=\"_ _1\"></span>t er engasjemen<span class=\"_ _1\"></span>t r<span class=\"_ _1\"></span>egistr<span class=\"_ _1\"></span>ert med </span><span style=\"display:inherit;clear:left;\">forbear<span class=\"_ _1\"></span>anc<span class=\"_ _1\"></span>e som har kar<span class=\"_ _1\"></span>ant<span class=\"_ _1\"></span>ene<span class=\"_ _1\"></span>tid dersom det f<span class=\"_ _2\"></span>\u00f8rst har komme<span class=\"_ _1\"></span>t </span><span style=\"display:inherit;clear:left;\">i denne ka<span class=\"_ _1\"></span>teg<span class=\"_ _1\"></span>ori. </span><span style=\"display:inherit;clear:left;\">Innregning, fraregning, forbe<span class=\"_ _1\"></span>arance/be<span class=\"_ _1\"></span>talingsle<span class=\"_ _1\"></span>t<span class=\"_ _2\"></span>tels<span class=\"_ _1\"></span>er og </span><span style=\"display:inherit;clear:left;\">k<span class=\"_ _1\"></span>ons<span class=\"_ _1\"></span>ta<span class=\"_ _2\"></span>tering</span><span style=\"display:inherit;clear:left;\">T<span class=\"_ _0\"></span>apsmodellen er by<span class=\"_ _1\"></span>gge<span class=\"_ _1\"></span>t opp slik a<span class=\"_ _1\"></span>t oppr<span class=\"_ _1\"></span>e<span class=\"_ _1\"></span>tt<span class=\"_ _1\"></span>else a<span class=\"_ _1\"></span>v ny l\u00e5nek<span class=\"_ _1\"></span>on<span class=\"_ _1\"></span>to </span><span style=\"display:inherit;clear:left;\">definer<span class=\"_ _1\"></span>es som e<span class=\"_ _1\"></span>t nyt<span class=\"_ _1\"></span>t engasjemen<span class=\"_ _1\"></span>t, mens innfrielse a<span class=\"_ _1\"></span>v l\u00e5nek<span class=\"_ _1\"></span>on<span class=\"_ _1\"></span>to </span><span style=\"display:inherit;clear:left;\">definer<span class=\"_ _1\"></span>es som fr<span class=\"_ _1\"></span>ar<span class=\"_ _1\"></span>egning. Ny l\u00e5nekon<span class=\"_ _1\"></span>to tildeles n\u00e5r en k<span class=\"_ _1\"></span>unde </span><span style=\"display:inherit;clear:left;\">re<span class=\"_ _1\"></span>finansier<span class=\"_ _1\"></span>er engasjemen<span class=\"_ _1\"></span>te<span class=\"_ _1\"></span>t sit<span class=\"_ _1\"></span>t. Ref<span class=\"_ _1\"></span>orhandlede l\u00e5n de<span class=\"_ _1\"></span>fineres </span><span style=\"display:inherit;clear:left;\">som utl\u00e5n hv<span class=\"_ _1\"></span>or de<span class=\"_ _1\"></span>t er gitt let<span class=\"_ _1\"></span>telser i vilk\u00e5r i sammenheng med a<span class=\"_ _2\"></span>t </span><span style=\"display:inherit;clear:left;\">kunden har f<span class=\"_ _1\"></span>\u00e5<span class=\"_ _1\"></span>tt be<span class=\"_ _1\"></span>talingspr<span class=\"_ _1\"></span>oblemer<span class=\"_ _0\"></span>, og at man ikk<span class=\"_ _1\"></span>e ville gitt </span><span style=\"display:inherit;clear:left;\">aktuelle vilk\u00e5r v<span class=\"_ _1\"></span>ed en ordin\u00e6r l\u00e5neut<span class=\"_ _1\"></span>st<span class=\"_ _1\"></span>edelse. Disse k<span class=\"_ _1\"></span>onti blir </span><span style=\"display:inherit;clear:left;\">merke<span class=\"_ _1\"></span>t som r<span class=\"_ _1\"></span>ef<span class=\"_ _1\"></span>orhandle<span class=\"_ _1\"></span>t (f<span class=\"_ _1\"></span>orbear<span class=\"_ _1\"></span>ance/be<span class=\"_ _1\"></span>talingslet<span class=\"_ _1\"></span>telser) og blir </span><span style=\"display:inherit;clear:left;\">s\u00e5ledes automa<span class=\"_ _2\"></span>tisk over<span class=\"_ _1\"></span>styrt til st<span class=\"_ _1\"></span>eg 2 (dersom engasjemen<span class=\"_ _1\"></span>t<span class=\"_ _1\"></span>et </span><span style=\"display:inherit;clear:left;\">ikke er i s<span class=\"_ _1\"></span>teg 2 eller 3 i utgangspunkt<span class=\"_ _1\"></span>e<span class=\"_ _1\"></span>t). Kons<span class=\"_ _1\"></span>ta<span class=\"_ _1\"></span>tering a<span class=\"_ _2\"></span>v </span><span style=\"display:inherit;clear:left;\">tapsnedskriving (bokf<span class=\"_ _1\"></span>\u00f8ring mot k<span class=\"_ _1\"></span>undens engasjemen<span class=\"_ _1\"></span>t) skal </span><span style=\"display:inherit;clear:left;\">for<span class=\"_ _1\"></span>e<span class=\"_ _1\"></span>tas n\u00e5r alle sikk<span class=\"_ _1\"></span>erhet<span class=\"_ _1\"></span>er er r<span class=\"_ _1\"></span>ealisert og det er h\u00f8<span class=\"_ _1\"></span>y gr<span class=\"_ _1\"></span>ad a<span class=\"_ _2\"></span>v </span><span style=\"display:inherit;clear:left;\">sannsynlighe<span class=\"_ _1\"></span>t a<span class=\"_ _1\"></span>t bank<span class=\"_ _1\"></span>en ikke mo<span class=\"_ _1\"></span>ttar fler<span class=\"_ _1\"></span>e innbe<span class=\"_ _1\"></span>talinger p\u00e5 </span><span style=\"display:inherit;clear:left;\">engasjemen<span class=\"_ _1\"></span>te<span class=\"_ _1\"></span>t. Kra<span class=\"_ _2\"></span>vet mo<span class=\"_ _1\"></span>t kunden bes<span class=\"_ _1\"></span>t\u00e5r<span class=\"_ _0\"></span>, og skal f\u00f8lges opp<span class=\"_ _1\"></span>, </span><span style=\"display:inherit;clear:left;\">med mindre de<span class=\"_ _1\"></span>t er inng\u00e5<span class=\"_ _2\"></span>tt avtale om e<span class=\"_ _1\"></span>t<span class=\"_ _1\"></span>ter<span class=\"_ _1\"></span>givelse med k<span class=\"_ _1\"></span>unden.</span><span style=\"display:inherit;clear:left;\">F<span class=\"_ _1\"></span>r<span class=\"_ _1\"></span>emadsk<span class=\"_ _1\"></span>uende inf<span class=\"_ _1\"></span>ormasjon</span><span style=\"display:inherit;clear:left;\">Grunnlag til makromodell hen<span class=\"_ _1\"></span>t<span class=\"_ _1\"></span>et fr<span class=\"_ _1\"></span>a SSB sine makr<span class=\"_ _1\"></span>o\u00f8k<span class=\"_ _1\"></span>onomiske </span><span style=\"display:inherit;clear:left;\">st<span class=\"_ _1\"></span>\u00f8rrelser<span class=\"_ _0\"></span>. Det<span class=\"_ _1\"></span>te sikr<span class=\"_ _1\"></span>er ua<span class=\"_ _1\"></span>vhengighet i pr<span class=\"_ _1\"></span>ognosene og g<span class=\"_ _1\"></span>od </span><span style=\"display:inherit;clear:left;\">kv<span class=\"_ _1\"></span>alite<span class=\"_ _1\"></span>t p\u00e5 input. </span><span style=\"display:inherit;clear:left;\">De tre sc<span class=\"_ _1\"></span>enarier i modellen er en n\u00f8<span class=\"_ _1\"></span>ytral case som sk<span class=\"_ _1\"></span>al dekke e<span class=\"_ _1\"></span>t </span><span style=\"display:inherit;clear:left;\">sannsynlighe<span class=\"_ _1\"></span>tsspenn p\u00e5 6<span class=\"_ _1\"></span>0 %, samt nedsidecase og oppsidecase </span><span style=\"display:inherit;clear:left;\">med en sannsynlighe<span class=\"_ _1\"></span>tsv<span class=\"_ _1\"></span>ekt p\u00e5 2<span class=\"_ _1\"></span>0 %. Sensitivite<span class=\"_ _1\"></span>t i </span><span style=\"display:inherit;clear:left;\">modellberegnede ne<span class=\"_ _1\"></span>dskrivinger fr<span class=\"_ _1\"></span>emk<span class=\"_ _1\"></span>ommer a<span class=\"_ _1\"></span>v not<span class=\"_ _1\"></span>e 13. Man </span><span style=\"display:inherit;clear:left;\">bruker scenarier f<span class=\"_ _1\"></span>or \u00e5 jus<span class=\"_ _1\"></span>ter<span class=\"_ _1\"></span>e f<span class=\"_ _1\"></span>or ikk<span class=\"_ _1\"></span>e-line\u00e6re eg<span class=\"_ _1\"></span>enskaper til </span><span style=\"display:inherit;clear:left;\">underkomponen<span class=\"_ _1\"></span>tene til E<span class=\"_ _1\"></span>CL<span class=\"_ _2\"></span>-beregning<span class=\"_ _1\"></span>en.</span><span style=\"display:inherit;clear:left;\">Segmentjus<span class=\"_ _1\"></span>t<span class=\"_ _1\"></span>eringen</span><span style=\"display:inherit;clear:left;\">Sparebank<span class=\"_ _1\"></span>en V<span class=\"_ _2\"></span>est har delt opp utl\u00e5nsporte<span class=\"_ _1\"></span>f\u00f8ljen i 14 segmen<span class=\"_ _1\"></span>t<span class=\"_ _1\"></span>er </span><span style=\"display:inherit;clear:left;\">i bedriftsmarkedsport<span class=\"_ _1\"></span>ef<span class=\"_ _1\"></span>\u00f8ljen og 2 segmen<span class=\"_ _1\"></span>ter i priv<span class=\"_ _2\"></span>atmarkeds<span class=\"_ _1\"></span>-</span><span style=\"display:inherit;clear:left;\">portef<span class=\"_ _1\"></span>\u00f8ljen. Kr<span class=\"_ _1\"></span>edit<span class=\"_ _1\"></span>ta<span class=\"_ _1\"></span>v<span class=\"_ _1\"></span>delingen gj\u00f8r en vur<span class=\"_ _1\"></span>dering a<span class=\"_ _1\"></span>v fr<span class=\"_ _1\"></span>em<span class=\"_ _1\"></span>tids-</span><span style=\"display:inherit;clear:left;\">utsiktene i h<span class=\"_ _1\"></span>vert segmen<span class=\"_ _1\"></span>t p\u00e5 en s<span class=\"_ _1\"></span>yvpunkts-skala. Der fr<span class=\"_ _1\"></span>emtids<span class=\"_ _1\"></span>-</span><span style=\"display:inherit;clear:left;\">utsiktene kan jus<span class=\"_ _1\"></span>ter<span class=\"_ _1\"></span>es opp og ned tr<span class=\"_ _1\"></span>e niv<span class=\"_ _1\"></span>\u00e5<span class=\"_ _1\"></span>er fra n\u00f8<span class=\"_ _2\"></span>ytrale </span><span style=\"display:inherit;clear:left;\">frem<span class=\"_ _1\"></span>tidsutsikt<span class=\"_ _1\"></span>er<span class=\"_ _0\"></span>. En justering a<span class=\"_ _1\"></span>v fr<span class=\"_ _1\"></span>em<span class=\"_ _1\"></span>tidsutsiktene p\u00e5<span class=\"_ _1\"></span>virk<span class=\"_ _1\"></span>er ikke </span><span style=\"display:inherit;clear:left;\">modellpredik<span class=\"_ _1\"></span>sjoner<span class=\"_ _0\"></span>, men medf\u00f8r<span class=\"_ _1\"></span>er a<span class=\"_ _1\"></span>t scenario<span class=\"_ _1\"></span>v<span class=\"_ _1\"></span>ektingen blir </span><span style=\"display:inherit;clear:left;\">just<span class=\"_ _1\"></span>ert. Dett<span class=\"_ _1\"></span>e sikr<span class=\"_ _1\"></span>er a<span class=\"_ _1\"></span>t estima<span class=\"_ _2\"></span>tene re<span class=\"_ _1\"></span>tt fr<span class=\"_ _1\"></span>a modell f<span class=\"_ _1\"></span>orblir </span><span style=\"display:inherit;clear:left;\">objektive o<span class=\"_ _1\"></span>v<span class=\"_ _1\"></span>er tid, sam<span class=\"_ _1\"></span>tidig som skj\u00f8nnsmessig<span class=\"_ _1\"></span>e f<span class=\"_ _1\"></span>orven<span class=\"_ _1\"></span>tninger </span><span style=\"display:inherit;clear:left;\">om frem<span class=\"_ _1\"></span>tiden fr<span class=\"_ _1\"></span>a bank<span class=\"_ _1\"></span>ens kre<span class=\"_ _1\"></span>ditta<span class=\"_ _1\"></span>v<span class=\"_ _1\"></span>deling blir medta<span class=\"_ _1\"></span>t<span class=\"_ _1\"></span>t i </span><span style=\"display:inherit;clear:left;\">ECL<span class=\"_ _2\"></span>-estima<span class=\"_ _1\"></span>t<span class=\"_ _1\"></span>ene. </span><span style=\"display:inherit;clear:left;\">Modellber<span class=\"_ _1\"></span>egning</span><span style=\"display:inherit;clear:left;\">Basert p\u00e5 inndeling av eng<span class=\"_ _1\"></span>asjement i ulik<span class=\"_ _1\"></span>e s<span class=\"_ _1\"></span>teg, anv<span class=\"_ _1\"></span>endelse a<span class=\"_ _1\"></span>v </span><span style=\"display:inherit;clear:left;\">frema<span class=\"_ _1\"></span>dskuende misligholdssans<span class=\"_ _1\"></span>ynlighe<span class=\"_ _1\"></span>ter (PD-baner) og L<span class=\"_ _2\"></span>GD-</span><span style=\"display:inherit;clear:left;\">estima<span class=\"_ _1\"></span>t<span class=\"_ _1\"></span>er<span class=\"_ _0\"></span>, beregnes f<span class=\"_ _1\"></span>orven<span class=\"_ _1\"></span>te<span class=\"_ _1\"></span>t tap i bank<span class=\"_ _1\"></span>ens </span><span style=\"display:inherit;clear:left;\">tapsa<span class=\"_ _1\"></span>vse<span class=\"_ _1\"></span>tningsmodell. </span><span style=\"display:inherit;clear:left;\">T<span class=\"_ _0\"></span>ap per \u00e5r beregnes i prinsippet v<span class=\"_ _1\"></span>ed modellert eksponering x PD </span><span style=\"display:inherit;clear:left;\">x L<span class=\"_ _1\"></span>GD f<span class=\"_ _1\"></span>or hv<span class=\"_ _1\"></span>ert \u00e5r<span class=\"_ _0\"></span>. T<span class=\"_ _2\"></span>apene diskon<span class=\"_ _1\"></span>ter<span class=\"_ _1\"></span>es med e<span class=\"_ _1\"></span>ff<span class=\"_ _1\"></span>ektiv r<span class=\"_ _1\"></span>en<span class=\"_ _1\"></span>te p\u00e5 </span><span style=\"display:inherit;clear:left;\">instrumen<span class=\"_ _1\"></span>tene tilbak<span class=\"_ _1\"></span>e til r<span class=\"_ _1\"></span>apporterings<span class=\"_ _1\"></span>tidspunkt og summer<span class=\"_ _1\"></span>es. </span><span style=\"display:inherit;clear:left;\">V<span class=\"_ _2\"></span>alidering</span><span style=\"display:inherit;clear:left;\">Beregning og f<span class=\"_ _1\"></span>orutse<span class=\"_ _1\"></span>tning<span class=\"_ _1\"></span>er er gjenstand f<span class=\"_ _1\"></span>or ua<span class=\"_ _1\"></span>vhengig </span><span style=\"display:inherit;clear:left;\">v<span class=\"_ _1\"></span>alidering a<span class=\"_ _1\"></span>v bankens v<span class=\"_ _1\"></span>aliderings funk<span class=\"_ _1\"></span>sjon.</span><span style=\"display:inherit;clear:left;\">No<span class=\"_ _1\"></span>te 12 F<span class=\"_ _1\"></span>ord<span class=\"_ _1\"></span>eling a<span class=\"_ _1\"></span>v b<span class=\"_ _1\"></span>r<span class=\"_ _8\"></span>utto u<span class=\"_ _1\"></span>tl<span class=\"_ _1\"></span>\u00e5n mellom ulik<span class=\"_ _1\"></span>e ste<span class=\"_ _1\"></span>g i IF<span class=\"_ _8\"></span>RS 9</span><span style=\"display:inherit;clear:left;\">T<span class=\"_ _0\"></span>abellen nedenf<span class=\"_ _1\"></span>or forklar<span class=\"_ _1\"></span>er endring i utl\u00e5nsmas<span class=\"_ _1\"></span>sen f<span class=\"_ _1\"></span>or hv<span class=\"_ _1\"></span>ert enkelt s<span class=\"_ _1\"></span>teg innen<span class=\"_ _1\"></span>f<span class=\"_ _1\"></span>or IFRS 9<span class=\"_ _1\"></span>, fr<span class=\"_ _1\"></span>a inng\u00e5ende balanse til utg\u00e5<span class=\"_ _1\"></span>ende balanse. </span><span style=\"display:inherit;clear:left;\">Prinsipper for klas<span class=\"_ _1\"></span>sifikasjon innen s<span class=\"_ _1\"></span>teg fr<span class=\"_ _1\"></span>emkommer a<span class=\"_ _2\"></span>v note 11. </span><span style=\"display:inherit;clear:left;\">K<span class=\"_ _1\"></span>ONSERN </span><span style=\"display:inherit;clear:left;\"> Sum modell- </span><span style=\"display:inherit;clear:left;\">Individuelt </span><span style=\"display:inherit;clear:left;\">Modellber<span class=\"_ _1\"></span>egnet</span><span style=\"display:inherit;clear:left;\">ber<span class=\"_ _1\"></span>egnet tap</span><span style=\"display:inherit;clear:left;\">vur<span class=\"_ _1\"></span>dert<span class=\"_ _a2\"> </span><span class=\"ls140 ws1ee\">To<span class=\"_ _a\"></span>t<span class=\"_ _38\"></span>a<span class=\"_ _a\"></span>l</span></span><span style=\"display:inherit;clear:left;\">Br<span class=\"_ _8\"></span>utto ut<span class=\"_ _8\"></span>l\u00e5n v<span class=\"_ _8\"></span>urde<span class=\"_ _8\"></span>rt ti<span class=\"_ _8\"></span>l am<span class=\"_ _8\"></span>ort<span class=\"_ _8\"></span>ise<span class=\"_ _8\"></span>rt ko<span class=\"_ _8\"></span>st<span class=\"_ _116\"> </span><span class=\"ls125 ws1cf\">S<span class=\"_ _8\"></span>teg<span class=\"_ _8\"></span> 1<span class=\"_ _cc\"> </span>Steg<span class=\"_ _8\"></span> 2<span class=\"_ _a8\"> </span>S<span class=\"_ _8\"></span>teg<span class=\"_ _8\"></span> 3<span class=\"_ _1e5\"> </span>Steg<span class=\"_ _8\"></span> 3</span></span><span style=\"display:inherit;clear:left;\">Brutt<span class=\"_ _1\"></span>o utl\u00e5n inng\u00e5ende balanse<span class=\"_ _e8\"> </span></span><span style=\"display:inherit;clear:left;\">18<span class=\"_ _1\"></span>9 12<span class=\"_ _1\"></span>4<span class=\"_ _131\"> </span>12 010<span class=\"_ _86\"> </span></span><span style=\"display:inherit;clear:left;\">7<span class=\"_ _8\"></span>76<span class=\"_ _189\"> </span></span><span style=\"display:inherit;clear:left;\">201 91<span class=\"_ _8\"></span>0<span class=\"_ _9d\"> </span><span class=\"ls6b wsc3\">624<span class=\"_ _cd\"> </span><span class=\"lsf6 ws158\">202 5<span class=\"_ _8\"></span>34</span></span></span><span style=\"display:inherit;clear:left;\">Overf<span class=\"_ _1\"></span>\u00f8rt til 12 mnd ECL (s<span class=\"_ _1\"></span>teg 1)<span class=\"_ _21\"> </span></span><span style=\"display:inherit;clear:left;\">3 986<span class=\"_ _b7\"> </span><span class=\"ls84 wsdf\">-3<span class=\"_ _8\"></span> 951<span class=\"_ _74\"> </span>-35<span class=\"_ _43\"> </span></span></span><span style=\"display:inherit;clear:left;\">0<span class=\"_ _21e\"> </span>0<span class=\"_ _43\"> </span>0</span><span style=\"display:inherit;clear:left;\">Overf<span class=\"_ _1\"></span>\u00f8rt til lev<span class=\"_ _1\"></span>e<span class=\"_ _1\"></span>tid ECL \u2013 ikk<span class=\"_ _1\"></span>e objektiv<span class=\"_ _1\"></span>e bevis p\u00e5 </span><span style=\"display:inherit;clear:left;\">tap (st<span class=\"_ _1\"></span>eg 2)<span class=\"_ _1c3\"> </span>-<span class=\"_ _2\"></span>7 115<span class=\"_ _107\"> </span>7 172<span class=\"_ _6e\"> </span><span class=\"ls120 ws1cb\">-43<span class=\"_ _88\"> </span></span>14<span class=\"_ _13\"> </span><span class=\"ls6 ws6\">-1<span class=\"_ _8\"></span>4<span class=\"_ _c8\"> </span></span>0</span><span style=\"display:inherit;clear:left;\">Overf<span class=\"_ _1\"></span>\u00f8rt til lev<span class=\"_ _1\"></span>e<span class=\"_ _1\"></span>tid ECL \u2013 objektiv<span class=\"_ _1\"></span>e be<span class=\"_ _1\"></span>vis p\u00e5 tap </span><span style=\"display:inherit;clear:left;\">(st<span class=\"_ _1\"></span>eg 3) \u2013 Modellberegne<span class=\"_ _1\"></span>t<span class=\"_ _222\"> </span></span><span style=\"display:inherit;clear:left;\">-7<span class=\"_ _8\"></span>5<span class=\"_ _ba\"> </span></span><span style=\"display:inherit;clear:left;\">-<span class=\"_ _8\"></span>327<span class=\"_ _189\"> </span><span class=\"lsf6 ws158\">402<span class=\"_ _43\"> </span></span></span><span style=\"display:inherit;clear:left;\">0<span class=\"_ _43\"> </span>0<span class=\"_ _21e\"> </span>0</span><span style=\"display:inherit;clear:left;\">Overf<span class=\"_ _1\"></span>\u00f8rt til lev<span class=\"_ _1\"></span>e<span class=\"_ _1\"></span>tid ECL \u2013 objektiv<span class=\"_ _1\"></span>e be<span class=\"_ _1\"></span>vis p\u00e5 tap </span><span style=\"display:inherit;clear:left;\">(st<span class=\"_ _1\"></span>eg 3) \u2013 Individuelt vurdert<span class=\"_ _11e\"> </span><span class=\"ls125 ws1cf\">-20<span class=\"_ _6f\"> </span><span class=\"ls84 wsdf\">-239<span class=\"_ _74\"> </span>-36<span class=\"_ _3d\"> </span></span>-295<span class=\"_ _15\"> </span>295<span class=\"_ _c8\"> </span></span>0</span><span style=\"display:inherit;clear:left;\">Nye ut<span class=\"_ _1\"></span>st<span class=\"_ _1\"></span>edte eller kj\u00f8p<span class=\"_ _1\"></span>te finansielle eiendeler<span class=\"_ _14\"> </span><span class=\"ls132 ws1de\">89<span class=\"_ _8\"></span> 2<span class=\"_ _8\"></span>87<span class=\"_ _89\"> </span></span>3 5<span class=\"_ _1\"></span>84<span class=\"_ _14\"> </span>111<span class=\"_ _12\"> </span><span class=\"ls82 ws14b\">92 981<span class=\"_ _63\"> </span>45<span class=\"_ _93\"> </span><span class=\"ls13 ws13\">93<span class=\"_ _8\"></span> 027</span></span></span><span style=\"display:inherit;clear:left;\">Finansielle eiendeler som har blitt fr<span class=\"_ _1\"></span>ar<span class=\"_ _1\"></span>egnet  </span><span style=\"display:inherit;clear:left;\">\u2013 eksklusiv<span class=\"_ _1\"></span>e tapsnedskriving<span class=\"_ _1e5\"> </span>-60 29<span class=\"_ _1\"></span>1<span class=\"_ _c7\"> </span></span><span style=\"display:inherit;clear:left;\">-4 345<span class=\"_ _83\"> </span><span class=\"ls125 ws1cf\">-298<span class=\"_ _6b\"> </span></span></span><span style=\"display:inherit;clear:left;\">-64 934<span class=\"_ _a2\"> </span><span class=\"ls139 ws1e6\">-513<span class=\"_ _6b\"> </span></span>-65 446</span><span style=\"display:inherit;clear:left;\">Net<span class=\"_ _1\"></span>to endring p\u00e5 ek<span class=\"_ _1\"></span>sist<span class=\"_ _1\"></span>erende l\u00e5n<span class=\"_ _5e\"> </span><span class=\"ls82 ws14b\">5<span class=\"_ _8\"></span> 608<span class=\"_ _98\"> </span><span class=\"ls12f ws1d9\">731<span class=\"_ _98\"> </span><span class=\"lsf wsf\">62<span class=\"_ _78\"> </span><span class=\"lsf6 ws158\">6 4<span class=\"_ _8\"></span>02<span class=\"_ _48\"> </span></span></span></span>56<span class=\"_ _8d\"> </span><span class=\"ls126 ws1d0\">6 458</span></span></span><span style=\"display:inherit;clear:left;\">Brutto utl\u00e5n pr<span class=\"_ _0\"></span>. 31/12<span class=\"_ _1\"></span>-2<span class=\"_ _1\"></span>02<span class=\"_ _1\"></span>3 vur<span class=\"_ _1\"></span>dert til </span><span style=\"display:inherit;clear:left;\">amortisert kos<span class=\"_ _1\"></span>t<span class=\"_ _133\"> </span>220 5<span class=\"_ _1\"></span>03<span class=\"_ _a8\"> </span>14 636<span class=\"_ _6b\"> </span></span><span style=\"display:inherit;clear:left;\">940<span class=\"_ _83\"> </span></span><span style=\"display:inherit;clear:left;\">2<span class=\"_ _8\"></span>3<span class=\"_ _8\"></span>6<span class=\"_ _8\"></span> 079<span class=\"_ _a2\"> </span><span class=\"ls13 ws13\">49<span class=\"_ _8\"></span>4<span class=\"_ _6b\"> </span><span class=\"ls14f ws200\">236<span class=\"_ _8\"></span> 5<span class=\"_ _8\"></span>72</span></span></span><span style=\"display:inherit;clear:left;\">T<span class=\"_ _0\"></span>apsnedskriving utl\u00e5n<span class=\"_ _223\"> </span></span><span style=\"display:inherit;clear:left;\">-24<span class=\"_ _8\"></span>4<span class=\"_ _86\"> </span><span class=\"ls125 ws1cf\">-208<span class=\"_ _87\"> </span>-2<span class=\"_ _8\"></span>20<span class=\"_ _4a\"> </span><span class=\"ls137 ws1e4\">-<span class=\"_ _8\"></span>672<span class=\"_ _3d\"> </span></span>-205<span class=\"_ _a1\"> </span><span class=\"ls132 ws1de\">-<span class=\"_ _8\"></span>878</span></span></span><span style=\"display:inherit;clear:left;\">Net<span class=\"_ _1\"></span>to utl\u00e5n pr<span class=\"_ _0\"></span>. 31/12<span class=\"_ _1\"></span>-2<span class=\"_ _1\"></span>02<span class=\"_ _1\"></span>3 vur<span class=\"_ _1\"></span>dert til  </span><span style=\"display:inherit;clear:left;\">amortisert kost<span class=\"_ _18e\"> </span>220 2<span class=\"_ _1\"></span>5<span class=\"_ _1\"></span>9<span class=\"_ _c7\"> </span>14 42<span class=\"_ _1\"></span>8<span class=\"_ _86\"> </span></span><span style=\"display:inherit;clear:left;\">72<span class=\"_ _8\"></span>0<span class=\"_ _85\"> </span></span><span style=\"display:inherit;clear:left;\">2<span class=\"_ _8\"></span>3<span class=\"_ _8\"></span>5<span class=\"_ _8\"></span> 4<span class=\"_ _8\"></span>07<span class=\"_ _9c\"> </span><span class=\"ls109 ws16b\">28<span class=\"_ _8\"></span>8<span class=\"_ _6b\"> </span><span class=\"ls138 ws1e5\">235<span class=\"_ _8\"></span> 695</span></span></span><span style=\"display:inherit;clear:left;\">Utl\u00e5n vur<span class=\"_ _1\"></span>dert til virkelig v<span class=\"_ _1\"></span>er<span class=\"_ _1\"></span>di<span class=\"_ _224\"> </span><span class=\"ff4 ls6 ws6\">2<span class=\"_ _8\"></span>0<span class=\"_ _8\"></span> 072</span></span><span style=\"display:inherit;clear:left;\">Balansef<span class=\"_ _1\"></span>\u00f8rt<span class=\"_ _1\"></span>e utl\u00e5n pr<span class=\"_ _0\"></span>. 31/12-<span class=\"_ _1\"></span>20<span class=\"_ _1\"></span>23<span class=\"_ _186\"> </span><span class=\"ls4a ws9d\">25<span class=\"_ _8\"></span>5<span class=\"_ _8\"></span> 767</span></span><span style=\"display:inherit;clear:left;\">Brutto utl\u00e5n vur<span class=\"_ _2\"></span>der<span class=\"_ _8\"></span>t til amortisert kos<span class=\"_ _1\"></span>t f<span class=\"_ _1\"></span>or<span class=\"_ _1\"></span>delt </span><span style=\"display:inherit;clear:left;\">p\u00e5 ulike s<span class=\"_ _1\"></span>t<span class=\"_ _1\"></span>eg pr<span class=\"_ _0\"></span>. 31/12-<span class=\"_ _1\"></span>20<span class=\"_ _1\"></span>23<span class=\"_ _225\"> </span>220 50<span class=\"_ _1\"></span>3<span class=\"_ _a3\"> </span>14 636<span class=\"_ _6b\"> </span></span><span style=\"display:inherit;clear:left;\">940<span class=\"_ _83\"> </span></span><span style=\"display:inherit;clear:left;\">23<span class=\"_ _8\"></span>6<span class=\"_ _8\"></span> 079<span class=\"_ _226\"> </span><span class=\"ls13 ws13\">494<span class=\"_ _6b\"> </span><span class=\"ls14f ws200\">23<span class=\"_ _8\"></span>6<span class=\"_ _8\"></span> 572</span></span></span><span style=\"display:inherit;clear:left;\">* Hera<span class=\"_ _2\"></span>v Bedriftsmark<span class=\"_ _1\"></span>ed<span class=\"_ _127\"> </span><span class=\"ff4\">49 121<span class=\"_ _90\"> </span><span class=\"ls133 ws1e0\">9 056<span class=\"_ _189\"> </span><span class=\"ls120 ws1cb\">660<span class=\"_ _1b\"> </span><span class=\"ls61 wsb5\">5<span class=\"_ _8\"></span>8<span class=\"_ _8\"></span> 8<span class=\"_ _8\"></span>37<span class=\"_ _9c\"> </span><span class=\"ls13e ws1ec\">47<span class=\"_ _8\"></span>9<span class=\"_ _14\"> </span></span></span></span></span>59 3<span class=\"_ _1\"></span>16</span></span><span style=\"display:inherit;clear:left;\">* Hera<span class=\"_ _2\"></span>v Priva<span class=\"_ _2\"></span>tmarked \u2013 bolig<span class=\"_ _227\"> </span><span class=\"ff4\">17<span class=\"_ _1\"></span>0 844<span class=\"_ _90\"> </span><span class=\"ls138 ws1e5\">5<span class=\"_ _8\"></span> 469<span class=\"_ _74\"> </span><span class=\"ls13 ws13\">27<span class=\"_ _8\"></span>1<span class=\"_ _86\"> </span></span></span>176 5<span class=\"_ _1\"></span>83<span class=\"_ _a0\"> </span>15<span class=\"_ _86\"> </span>17<span class=\"_ _1\"></span>6 5<span class=\"_ _1\"></span>98</span></span><span style=\"display:inherit;clear:left;\">* Hera<span class=\"_ _2\"></span>v Priva<span class=\"_ _2\"></span>tmarked \u2013 b<span class=\"_ _1\"></span>lanco/anne<span class=\"_ _1\"></span>t<span class=\"_ _f0\"> </span><span class=\"ff4 ls139 ws1e6\">538<span class=\"_ _3e\"> </span></span><span class=\"ff4\">111<span class=\"_ _9a\"> </span>9<span class=\"_ _97\"> </span><span class=\"ls126 ws1d0\">6<span class=\"_ _8\"></span>58<span class=\"_ _43\"> </span></span>0<span class=\"_ _97\"> </span><span class=\"ls126 ws1d0\">658</span></span></span><span style=\"display:inherit;clear:left;\">MORBANK</span><span style=\"display:inherit;clear:left;\"> Sum modell- </span><span style=\"display:inherit;clear:left;\">Individuelt </span><span style=\"display:inherit;clear:left;\">Modellber<span class=\"_ _1\"></span>egnet</span><span style=\"display:inherit;clear:left;\">ber<span class=\"_ _1\"></span>egnet tap</span><span style=\"display:inherit;clear:left;\">vur<span class=\"_ _1\"></span>dert<span class=\"_ _a2\"> </span><span class=\"ls140 ws1ee\">To<span class=\"_ _a\"></span>t<span class=\"_ _38\"></span>a<span class=\"_ _a\"></span>l</span></span><span style=\"display:inherit;clear:left;\">Br<span class=\"_ _8\"></span>utto ut<span class=\"_ _8\"></span>l\u00e5n v<span class=\"_ _8\"></span>urde<span class=\"_ _8\"></span>rt ti<span class=\"_ _8\"></span>l am<span class=\"_ _8\"></span>ort<span class=\"_ _8\"></span>ise<span class=\"_ _8\"></span>rt ko<span class=\"_ _8\"></span>st ell<span class=\"_ _8\"></span>er </span><span style=\"display:inherit;clear:left;\">virkelig v<span class=\"_ _1\"></span>erdi<span class=\"_ _1\"></span> ov<span class=\"_ _1\"></span>er OCI<span class=\"_ _20\"> </span><span class=\"ls125 ws1cf\">Ste<span class=\"_ _8\"></span>g 1<span class=\"_ _cc\"> </span>Ste<span class=\"_ _8\"></span>g 2<span class=\"_ _a3\"> </span>Ste<span class=\"_ _8\"></span>g 3<span class=\"_ _1e5\"> </span>Ste<span class=\"_ _8\"></span>g 3</span></span><span style=\"display:inherit;clear:left;\">Brutt<span class=\"_ _1\"></span>o utl\u00e5n inng\u00e5ende balanse<span class=\"_ _16b\"> </span></span><span style=\"display:inherit;clear:left;\">83 568<span class=\"_ _cb\"> </span></span><span style=\"display:inherit;clear:left;\">8 46<span class=\"_ _8\"></span>0<span class=\"_ _8e\"> </span><span class=\"ls135 ws1e2\">6<span class=\"_ _8\"></span>36<span class=\"_ _94\"> </span></span></span><span style=\"display:inherit;clear:left;\"><span class=\"ff1\">92 665<span class=\"_ _20e\"> </span><span class=\"ls12c ws1d6\">623<span class=\"_ _74\"> </span></span>93 2<span class=\"_ _1\"></span>88</span></span><span style=\"display:inherit;clear:left;\">Overf<span class=\"_ _1\"></span>\u00f8rt til 12 mnd ECL (s<span class=\"_ _1\"></span>teg 1)<span class=\"_ _21\"> </span><span class=\"ls136 ws1e3\">2 39<span class=\"_ _8\"></span>8<span class=\"_ _dc\"> </span></span>-2 3<span class=\"_ _1\"></span>64<span class=\"_ _6e\"> </span><span class=\"ls84 wsdf\">-3<span class=\"_ _8\"></span>4<span class=\"_ _43\"> </span></span>0<span class=\"_ _21e\"> </span>0<span class=\"_ _43\"> </span>0</span><span style=\"display:inherit;clear:left;\">Overf<span class=\"_ _1\"></span>\u00f8rt til lev<span class=\"_ _1\"></span>e<span class=\"_ _1\"></span>tid ECL \u2013 ikk<span class=\"_ _1\"></span>e objektiv<span class=\"_ _1\"></span>e bevis p\u00e5 </span><span style=\"display:inherit;clear:left;\">tap (st<span class=\"_ _1\"></span>eg 2)<span class=\"_ _183\"> </span><span class=\"ls138 ws1e5\">-5 0<span class=\"_ _8\"></span>82<span class=\"_ _189\"> </span></span>5 118<span class=\"_ _94\"> </span><span class=\"ls84 wsdf\">-2<span class=\"_ _8\"></span>2<span class=\"_ _88\"> </span></span>14<span class=\"_ _125\"> </span><span class=\"ls6 ws6\">-1<span class=\"_ _a\"></span>4<span class=\"_ _c8\"> </span></span>0</span><span style=\"display:inherit;clear:left;\">Overf<span class=\"_ _1\"></span>\u00f8rt til lev<span class=\"_ _1\"></span>e<span class=\"_ _1\"></span>tid ECL \u2013 objektiv<span class=\"_ _1\"></span>e be<span class=\"_ _1\"></span>vis p\u00e5 tap </span><span style=\"display:inherit;clear:left;\">(st<span class=\"_ _1\"></span>eg 3) \u2013 Modellberegne<span class=\"_ _1\"></span>t<span class=\"_ _228\"> </span></span><span style=\"display:inherit;clear:left;\">-35<span class=\"_ _86\"> </span></span><span style=\"display:inherit;clear:left;\">-26<span class=\"_ _8\"></span>5<span class=\"_ _8e\"> </span><span class=\"ls12c ws1d6\">30<span class=\"_ _8\"></span>0<span class=\"_ _21e\"> </span></span></span><span style=\"display:inherit;clear:left;\">0<span class=\"_ _43\"> </span>0<span class=\"_ _43\"> </span>0</span><span style=\"display:inherit;clear:left;\">Overf<span class=\"_ _1\"></span>\u00f8rt til lev<span class=\"_ _1\"></span>e<span class=\"_ _1\"></span>tid ECL \u2013 objektiv<span class=\"_ _1\"></span>e be<span class=\"_ _1\"></span>vis p\u00e5 tap </span><span style=\"display:inherit;clear:left;\">(st<span class=\"_ _1\"></span>eg 3) \u2013 Individuelt vurdert<span class=\"_ _11e\"> </span><span class=\"ls125 ws1cf\">-20<span class=\"_ _6f\"> </span><span class=\"ls84 wsdf\">-235<span class=\"_ _94\"> </span>-34<span class=\"_ _96\"> </span></span>-290<span class=\"_ _97\"> </span>29<span class=\"_ _8\"></span>0<span class=\"_ _43\"> </span></span>0</span><span style=\"display:inherit;clear:left;\">Nye ut<span class=\"_ _1\"></span>st<span class=\"_ _1\"></span>edte eller kj\u00f8p<span class=\"_ _1\"></span>te finansielle eiendeler<span class=\"_ _1b\"> </span>48 97<span class=\"_ _2\"></span>0<span class=\"_ _89\"> </span>3 067<span class=\"_ _108\"> </span></span><span style=\"display:inherit;clear:left;\">1<span class=\"_ _8\"></span>46<span class=\"_ _12\"> </span><span class=\"ls138 ws1e5\">52<span class=\"_ _8\"></span> 182<span class=\"_ _116\"> </span><span class=\"ls13e ws1ec\">47<span class=\"_ _93\"> </span></span>52<span class=\"_ _8\"></span> 230</span></span><span style=\"display:inherit;clear:left;\">Finansielle eiendeler som har blitt fr<span class=\"_ _1\"></span>ar<span class=\"_ _1\"></span>egnet  </span><span style=\"display:inherit;clear:left;\">\u2013 eksklusiv<span class=\"_ _1\"></span>e tapsnedskriving<span class=\"_ _a9\"> </span>-<span class=\"_ _1\"></span>34 4<span class=\"_ _2\"></span>14<span class=\"_ _c9\"> </span></span><span style=\"display:inherit;clear:left;\">-3 335<span class=\"_ _83\"> </span></span><span style=\"display:inherit;clear:left;\">-2<span class=\"_ _8\"></span>27<span class=\"_ _ba\"> </span></span><span style=\"display:inherit;clear:left;\">-<span class=\"_ _8\"></span>3<span class=\"_ _8\"></span>7<span class=\"_ _8\"></span> 97<span class=\"_ _8\"></span>5<span class=\"_ _226\"> </span><span class=\"ls139 ws1e6\">-51<span class=\"_ _8\"></span>3<span class=\"_ _8e\"> </span></span></span><span style=\"display:inherit;clear:left;\">-38 488</span><span style=\"display:inherit;clear:left;\">Net<span class=\"_ _1\"></span>to endring p\u00e5 ek<span class=\"_ _1\"></span>sist<span class=\"_ _1\"></span>erende l\u00e5n<span class=\"_ _e8\"> </span></span><span style=\"display:inherit;clear:left;\">2 70<span class=\"_ _8\"></span>8<span class=\"_ _93\"> </span><span class=\"ls82 ws14b\">563<span class=\"_ _14\"> </span><span class=\"ls126 ws1d0\">58<span class=\"_ _3e\"> </span><span class=\"ls125 ws1cf\">3<span class=\"_ _8\"></span> 329<span class=\"_ _b6\"> </span></span></span>56<span class=\"_ _21a\"> </span><span class=\"ls139 ws1e6\">3<span class=\"_ _8\"></span> 385</span></span></span><span style=\"display:inherit;clear:left;\">Brutto utl\u00e5n pr<span class=\"_ _0\"></span>. 31/12<span class=\"_ _1\"></span>-2<span class=\"_ _1\"></span>02<span class=\"_ _1\"></span>3 vur<span class=\"_ _1\"></span>dert til </span><span style=\"display:inherit;clear:left;\">amortisert kos<span class=\"_ _1\"></span>t eller virk<span class=\"_ _1\"></span>elig ver<span class=\"_ _2\"></span>di ov<span class=\"_ _1\"></span>er OCI<span class=\"_ _1a\"> </span><span class=\"ls13b ws1e8\">98 094<span class=\"_ _dc\"> </span></span>11 009<span class=\"_ _189\"> </span><span class=\"ls15 ws15\">82<span class=\"_ _8\"></span>2<span class=\"_ _85\"> </span></span>109 926<span class=\"_ _a1\"> </span><span class=\"ls13 ws13\">49<span class=\"_ _8\"></span>0<span class=\"_ _6e\"> </span></span>110 4<span class=\"_ _1\"></span>15</span><span style=\"display:inherit;clear:left;\">T<span class=\"_ _0\"></span>apsnedskriving utl\u00e5n<span class=\"_ _1cb\"> </span>-<span class=\"_ _1\"></span>214<span class=\"_ _74\"> </span></span><span style=\"display:inherit;clear:left;\">-1<span class=\"_ _8\"></span>67<span class=\"_ _189\"> </span>-1<span class=\"_ _a\"></span>9<span class=\"_ _8\"></span>8<span class=\"_ _4a\"> </span></span><span style=\"display:inherit;clear:left;\">-<span class=\"_ _8\"></span>579<span class=\"_ _3d\"> </span><span class=\"ls125 ws1cf\">-205<span class=\"_ _4a\"> </span><span class=\"ls134 ws1e1\">-7<span class=\"_ _8\"></span>8<span class=\"_ _38\"></span>4</span></span></span><span style=\"display:inherit;clear:left;\">Net<span class=\"_ _1\"></span>to utl\u00e5n pr<span class=\"_ _0\"></span>. 31/12<span class=\"_ _1\"></span>-2<span class=\"_ _1\"></span>02<span class=\"_ _1\"></span>3 vur<span class=\"_ _1\"></span>dert til amortisert </span><span style=\"display:inherit;clear:left;\">kos<span class=\"_ _1\"></span>t eller virkelig v<span class=\"_ _1\"></span>er<span class=\"_ _1\"></span>di o<span class=\"_ _1\"></span>v<span class=\"_ _1\"></span>er OCI<span class=\"_ _29\"> </span>9<span class=\"_ _1\"></span>7 880<span class=\"_ _c7\"> </span>10 842<span class=\"_ _65\"> </span><span class=\"ls83 wsdd\">625<span class=\"_ _8e\"> </span></span>109 34<span class=\"_ _2\"></span>7<span class=\"_ _20e\"> </span><span class=\"ls109 ws16b\">28<span class=\"_ _8\"></span>4<span class=\"_ _108\"> </span></span>109 631</span><span style=\"display:inherit;clear:left;\">Utl\u00e5n vur<span class=\"_ _1\"></span>dert til virkelig v<span class=\"_ _1\"></span>er<span class=\"_ _1\"></span>di<span class=\"_ _201\"> </span><span class=\"ff4 ls31 ws81\">4 591</span></span><span style=\"display:inherit;clear:left;\">Balansef<span class=\"_ _1\"></span>\u00f8rt<span class=\"_ _1\"></span>e utl\u00e5n pr<span class=\"_ _0\"></span>. 31/12-<span class=\"_ _1\"></span>20<span class=\"_ _1\"></span>23<span class=\"_ _229\"> </span>114 222</span><span style=\"display:inherit;clear:left;\">K<span class=\"_ _1\"></span>ONSERN </span><span style=\"display:inherit;clear:left;\"> Sum modell- </span><span style=\"display:inherit;clear:left;\">Individuelt </span><span style=\"display:inherit;clear:left;\">Modellber<span class=\"_ _1\"></span>egnet</span><span style=\"display:inherit;clear:left;\">ber<span class=\"_ _1\"></span>egnet tap</span><span style=\"display:inherit;clear:left;\">vur<span class=\"_ _1\"></span>dert<span class=\"_ _a2\"> </span><span class=\"ls140 ws1ee\">To<span class=\"_ _a\"></span>t<span class=\"_ _38\"></span>a<span class=\"_ _a\"></span>l</span></span><span style=\"display:inherit;clear:left;\">Br<span class=\"_ _8\"></span>utto ut<span class=\"_ _8\"></span>l\u00e5n v<span class=\"_ _8\"></span>urde<span class=\"_ _8\"></span>rt ti<span class=\"_ _8\"></span>l am<span class=\"_ _8\"></span>ort<span class=\"_ _8\"></span>ise<span class=\"_ _8\"></span>rt ko<span class=\"_ _8\"></span>st<span class=\"_ _116\"> </span><span class=\"ls125 ws1cf\">S<span class=\"_ _8\"></span>teg<span class=\"_ _8\"></span> 1<span class=\"_ _cc\"> </span>Steg<span class=\"_ _8\"></span> 2<span class=\"_ _a8\"> </span>S<span class=\"_ _8\"></span>teg<span class=\"_ _8\"></span> 3<span class=\"_ _1e5\"> </span>Steg<span class=\"_ _8\"></span> 3</span></span><span style=\"display:inherit;clear:left;\">Brutt<span class=\"_ _1\"></span>o utl\u00e5n inng\u00e5ende balanse<span class=\"_ _e8\"> </span><span class=\"ff1\">163 156<span class=\"_ _d4\"> </span>11 575<span class=\"_ _189\"> </span><span class=\"ls12a ws1d4\">78<span class=\"_ _8\"></span>0<span class=\"_ _74\"> </span></span>175 5<span class=\"_ _1\"></span>11<span class=\"_ _9d\"> </span><span class=\"ls82 ws14b\">656<span class=\"_ _108\"> </span></span>176 16<span class=\"_ _1\"></span>7</span></span><span style=\"display:inherit;clear:left;\">Overf<span class=\"_ _1\"></span>\u00f8rt til 12 mnd ECL (s<span class=\"_ _1\"></span>teg 1)<span class=\"_ _202\"> </span></span><span style=\"display:inherit;clear:left;\">2 4<span class=\"_ _8\"></span>52<span class=\"_ _d4\"> </span></span><span style=\"display:inherit;clear:left;\">-<span class=\"_ _8\"></span>2<span class=\"_ _8\"></span> 379<span class=\"_ _5d\"> </span></span><span style=\"display:inherit;clear:left;\">-23<span class=\"_ _20d\"> </span><span class=\"ls82 ws14b\">50<span class=\"_ _25\"> </span>-50<span class=\"_ _43\"> </span></span></span><span style=\"display:inherit;clear:left;\">0</span><span style=\"display:inherit;clear:left;\">Overf<span class=\"_ _1\"></span>\u00f8rt til lev<span class=\"_ _1\"></span>e<span class=\"_ _1\"></span>tid ECL \u2013 ikk<span class=\"_ _1\"></span>e objektiv<span class=\"_ _1\"></span>e bevis p\u00e5 </span><span style=\"display:inherit;clear:left;\">tap (st<span class=\"_ _1\"></span>eg 2)<span class=\"_ _211\"> </span><span class=\"ls82 ws14b\">-4 862<span class=\"_ _b7\"> </span></span>5 004<span class=\"_ _6b\"> </span><span class=\"ls6 ws6\">-1<span class=\"_ _8\"></span>4<span class=\"_ _8\"></span>2<span class=\"_ _c8\"> </span></span>0<span class=\"_ _21e\"> </span>0<span class=\"_ _43\"> </span>0</span><span style=\"display:inherit;clear:left;\">Overf<span class=\"_ _1\"></span>\u00f8rt til lev<span class=\"_ _1\"></span>e<span class=\"_ _1\"></span>tid ECL \u2013 objektiv<span class=\"_ _1\"></span>e be<span class=\"_ _1\"></span>vis p\u00e5 tap </span><span style=\"display:inherit;clear:left;\">(st<span class=\"_ _1\"></span>eg 3) \u2013 Modellberegne<span class=\"_ _1\"></span>t<span class=\"_ _222\"> </span></span><span style=\"display:inherit;clear:left;\">-7<span class=\"_ _8\"></span>5<span class=\"_ _6f\"> </span></span><span style=\"display:inherit;clear:left;\">-2<span class=\"_ _8\"></span>20<span class=\"_ _65\"> </span><span class=\"ls12c ws1d6\">305<span class=\"_ _a0\"> </span></span></span><span style=\"display:inherit;clear:left;\">10<span class=\"_ _13\"> </span><span class=\"ls6 ws6\">-1<span class=\"_ _8\"></span>0<span class=\"_ _c8\"> </span></span>0</span><span style=\"display:inherit;clear:left;\">Overf<span class=\"_ _1\"></span>\u00f8rt til lev<span class=\"_ _1\"></span>e<span class=\"_ _1\"></span>tid ECL \u2013 objektiv<span class=\"_ _1\"></span>e be<span class=\"_ _1\"></span>vis p\u00e5 tap </span><span style=\"display:inherit;clear:left;\">(st<span class=\"_ _1\"></span>eg 3) \u2013 Individuelt vurdert<span class=\"_ _11f\"> </span></span><span style=\"display:inherit;clear:left;\">-1<span class=\"_ _8\"></span>2<span class=\"_ _11\"> </span><span class=\"ls109 ws16b\">-28<span class=\"_ _1a\"> </span></span>-1<span class=\"_ _8\"></span>8<span class=\"_ _117\"> </span><span class=\"ls31 ws81\">-<span class=\"_ _8\"></span>57<span class=\"_ _116\"> </span>57<span class=\"_ _c8\"> </span></span></span><span style=\"display:inherit;clear:left;\">0</span><span style=\"display:inherit;clear:left;\">Nye ut<span class=\"_ _1\"></span>st<span class=\"_ _1\"></span>edte eller kj\u00f8p<span class=\"_ _1\"></span>te finansielle eiendeler<span class=\"_ _11\"> </span>71 866<span class=\"_ _87\"> </span>2 061<span class=\"_ _11\"> </span><span class=\"ls61 wsb5\">78<span class=\"_ _74\"> </span></span>7<span class=\"_ _2\"></span>4 006<span class=\"_ _25\"> </span><span class=\"ls125 ws1cf\">120<span class=\"_ _14\"> </span></span>7<span class=\"_ _2\"></span>4 125</span><span style=\"display:inherit;clear:left;\">Finansielle eiendeler som har blitt fr<span class=\"_ _1\"></span>ar<span class=\"_ _1\"></span>egnet  </span><span style=\"display:inherit;clear:left;\">\u2013 eksklusiv<span class=\"_ _1\"></span>e tapsnedskriving<span class=\"_ _11c\"> </span></span><span style=\"display:inherit;clear:left;\">-<span class=\"_ _8\"></span>5<span class=\"_ _8\"></span>1<span class=\"_ _a\"></span> 2<span class=\"_ _8\"></span>07<span class=\"_ _db\"> </span></span><span style=\"display:inherit;clear:left;\">-4 546<span class=\"_ _83\"> </span></span><span style=\"display:inherit;clear:left;\">-<span class=\"_ _8\"></span>382<span class=\"_ _108\"> </span><span class=\"ls120 ws1cb\">-56 134<span class=\"_ _68\"> </span></span></span><span style=\"display:inherit;clear:left;\">-<span class=\"_ _1\"></span>164<span class=\"_ _189\"> </span><span class=\"ls82 ws14b\">-56<span class=\"_ _8\"></span> 298</span></span><span style=\"display:inherit;clear:left;\">Net<span class=\"_ _1\"></span>to endring p\u00e5 ek<span class=\"_ _1\"></span>sist<span class=\"_ _1\"></span>erende l\u00e5n<span class=\"_ _16f\"> </span>5 565<span class=\"_ _1b\"> </span></span><span style=\"display:inherit;clear:left;\">4<span class=\"_ _8\"></span>81<span class=\"_ _1a\"> </span><span class=\"ls108 ws16a\">94<span class=\"_ _9a\"> </span></span></span><span style=\"display:inherit;clear:left;\">6 139<span class=\"_ _49\"> </span>14<span class=\"_ _e9\"> </span>6 153</span><span style=\"display:inherit;clear:left;\">Andre endring<span class=\"_ _1\"></span>er<span class=\"_ _70\"> </span></span><span style=\"display:inherit;clear:left;\">2<span class=\"_ _8\"></span> 241<span class=\"_ _10\"> </span><span class=\"ls10 ws10\">61<span class=\"_ _1a\"> </span></span></span><span style=\"display:inherit;clear:left;\">84<span class=\"_ _21a\"> </span><span class=\"ls139 ws1e6\">2<span class=\"_ _8\"></span> 386<span class=\"_ _43\"> </span></span>0<span class=\"_ _21a\"> </span><span class=\"ls139 ws1e6\">2<span class=\"_ _8\"></span> 386</span></span><span style=\"display:inherit;clear:left;\">Brutto utl\u00e5n pr<span class=\"_ _0\"></span>. 31/12<span class=\"_ _1\"></span>-2<span class=\"_ _1\"></span>022 vur<span class=\"_ _2\"></span>der<span class=\"_ _8\"></span>t til </span><span style=\"display:inherit;clear:left;\">amortisert kos<span class=\"_ _1\"></span>t<span class=\"_ _30\"> </span>189 12<span class=\"_ _1\"></span>4<span class=\"_ _131\"> </span>12 010<span class=\"_ _86\"> </span></span><span style=\"display:inherit;clear:left;\">7<span class=\"_ _8\"></span>76<span class=\"_ _189\"> </span></span><span style=\"display:inherit;clear:left;\">201 910<span class=\"_ _97\"> </span><span class=\"ls12c ws1d6\">623<span class=\"_ _cd\"> </span><span class=\"lsf6 ws158\">202<span class=\"_ _8\"></span> 534</span></span></span><span style=\"display:inherit;clear:left;\">T<span class=\"_ _0\"></span>apsnedskriving utl\u00e5n<span class=\"_ _17d\"> </span>-<span class=\"_ _2\"></span>163<span class=\"_ _108\"> </span></span><span style=\"display:inherit;clear:left;\">-279<span class=\"_ _9b\"> </span><span class=\"ls125 ws1cf\">-201<span class=\"_ _10\"> </span></span></span><span style=\"display:inherit;clear:left;\">-644<span class=\"_ _95\"> </span><span class=\"ls84 wsdf\">-236<span class=\"_ _96\"> </span></span>-880</span><span style=\"display:inherit;clear:left;\">Net<span class=\"_ _1\"></span>to utl\u00e5n pr<span class=\"_ _0\"></span>. 31/12<span class=\"_ _1\"></span>-2<span class=\"_ _1\"></span>022 vur<span class=\"_ _1\"></span>dert til amortisert </span><span style=\"display:inherit;clear:left;\">kost<span class=\"_ _22a\"> </span><span class=\"ls0 ws0\">188 961<span class=\"_ _8a\"> </span>11 73<span class=\"_ _1\"></span>1<span class=\"_ _6f\"> </span><span class=\"ls31 ws81\">575<span class=\"_ _86\"> </span><span class=\"ls125 ws1cf\">201<span class=\"_ _8\"></span> 267<span class=\"_ _118\"> </span><span class=\"ls132 ws1de\">387<span class=\"_ _9b\"> </span></span></span></span>201 654</span></span><span style=\"display:inherit;clear:left;\">Utl\u00e5n vur<span class=\"_ _1\"></span>dert til virkelig v<span class=\"_ _1\"></span>er<span class=\"_ _1\"></span>di<span class=\"_ _22b\"> </span><span class=\"ff4\">22 840</span></span><span style=\"display:inherit;clear:left;\">Balansef<span class=\"_ _1\"></span>\u00f8rt<span class=\"_ _1\"></span>e utl\u00e5n pr<span class=\"_ _0\"></span>. 31/12-<span class=\"_ _1\"></span>20<span class=\"_ _1\"></span>22<span class=\"_ _1f6\"> </span>22<span class=\"_ _1\"></span>4 4<span class=\"_ _1\"></span>9<span class=\"_ _1\"></span>4</span><span style=\"display:inherit;clear:left;\">Brutto utl\u00e5n vur<span class=\"_ _2\"></span>der<span class=\"_ _8\"></span>t til amortisert kos<span class=\"_ _1\"></span>t f<span class=\"_ _1\"></span>or<span class=\"_ _1\"></span>delt </span><span style=\"display:inherit;clear:left;\">p\u00e5 ulike s<span class=\"_ _1\"></span>t<span class=\"_ _1\"></span>eg pr<span class=\"_ _0\"></span>. 31/12-<span class=\"_ _1\"></span>20<span class=\"_ _1\"></span>22<span class=\"_ _a9\"> </span>189 12<span class=\"_ _1\"></span>4<span class=\"_ _131\"> </span>12 010<span class=\"_ _86\"> </span></span><span style=\"display:inherit;clear:left;\">7<span class=\"_ _8\"></span>76<span class=\"_ _189\"> </span></span><span style=\"display:inherit;clear:left;\">201 91<span class=\"_ _8\"></span>0<span class=\"_ _20e\"> </span><span class=\"ls12c ws1d6\">623<span class=\"_ _cd\"> </span><span class=\"lsf6 ws158\">202<span class=\"_ _8\"></span> 534</span></span></span><span style=\"display:inherit;clear:left;\">* Hera<span class=\"_ _2\"></span>v Bedriftsmark<span class=\"_ _1\"></span>ed<span class=\"_ _1fc\"> </span></span><span style=\"display:inherit;clear:left;\">44 888<span class=\"_ _90\"> </span>6 965<span class=\"_ _65\"> </span><span class=\"ls4a ws9d\">5<span class=\"_ _8\"></span>24<span class=\"_ _1a\"> </span></span>52 3<span class=\"_ _2\"></span>77<span class=\"_ _df\"> </span><span class=\"ls10 ws10\">610<span class=\"_ _1b\"> </span><span class=\"ls132 ws1de\">52<span class=\"_ _a\"></span> 9<span class=\"_ _8\"></span>87</span></span></span><span style=\"display:inherit;clear:left;\">* Hera<span class=\"_ _2\"></span>v Priva<span class=\"_ _2\"></span>tmarked \u2013 bolig<span class=\"_ _22c\"> </span><span class=\"ff4\">143 395<span class=\"_ _8a\"> </span><span class=\"ls82 ws14b\">4 981<span class=\"_ _189\"> </span><span class=\"ls4a ws9d\">24<span class=\"_ _8\"></span>0<span class=\"_ _108\"> </span></span></span>148 617<span class=\"_ _88\"> </span>10<span class=\"_ _8e\"> </span>148 627</span></span><span style=\"display:inherit;clear:left;\">* Hera<span class=\"_ _2\"></span>v Priva<span class=\"_ _2\"></span>tmarked \u2013 b<span class=\"_ _1\"></span>lanco/anne<span class=\"_ _1\"></span>t<span class=\"_ _50\"> </span><span class=\"ff4 ls131 ws1dd\">8<span class=\"_ _8\"></span>41<span class=\"_ _8d\"> </span></span><span class=\"ff4\">64<span class=\"_ _78\"> </span>12<span class=\"_ _e7\"> </span><span class=\"ls126 ws1d0\">917<span class=\"_ _21e\"> </span></span>4<span class=\"_ _97\"> </span><span class=\"ls125 ws1cf\">920</span></span></span><span style=\"display:inherit;clear:left;\">MORBANK</span><span style=\"display:inherit;clear:left;\"> Sum modell- </span><span style=\"display:inherit;clear:left;\">Individuelt </span><span style=\"display:inherit;clear:left;\">Modellber<span class=\"_ _1\"></span>egnet</span><span style=\"display:inherit;clear:left;\">ber<span class=\"_ _1\"></span>egnet tap</span><span style=\"display:inherit;clear:left;\">vur<span class=\"_ _1\"></span>dert<span class=\"_ _a2\"> </span><span class=\"ls140 ws1ee\">To<span class=\"_ _a\"></span>t<span class=\"_ _38\"></span>a<span class=\"_ _a\"></span>l</span></span><span style=\"display:inherit;clear:left;\">Br<span class=\"_ _8\"></span>utto ut<span class=\"_ _8\"></span>l\u00e5n v<span class=\"_ _8\"></span>urde<span class=\"_ _8\"></span>rt ti<span class=\"_ _8\"></span>l am<span class=\"_ _8\"></span>ort<span class=\"_ _8\"></span>ise<span class=\"_ _8\"></span>rt ko<span class=\"_ _8\"></span>st ell<span class=\"_ _8\"></span>er </span><span style=\"display:inherit;clear:left;\">virkelig v<span class=\"_ _1\"></span>erdi<span class=\"_ _1\"></span> ov<span class=\"_ _1\"></span>er OCI<span class=\"_ _20\"> </span><span class=\"ls125 ws1cf\">Ste<span class=\"_ _8\"></span>g 1<span class=\"_ _cc\"> </span>Ste<span class=\"_ _8\"></span>g 2<span class=\"_ _a3\"> </span>Ste<span class=\"_ _8\"></span>g 3<span class=\"_ _1e5\"> </span>Ste<span class=\"_ _8\"></span>g 3</span></span><span style=\"display:inherit;clear:left;\">Brutt<span class=\"_ _1\"></span>o utl\u00e5n inng\u00e5ende balanse<span class=\"_ _16b\"> </span></span><span style=\"display:inherit;clear:left;\">68 96<span class=\"_ _1\"></span>7<span class=\"_ _b7\"> </span></span><span style=\"display:inherit;clear:left;\">8<span class=\"_ _8\"></span> 542<span class=\"_ _9b\"> </span><span class=\"ls62 wsb6\">6<span class=\"_ _8\"></span>34<span class=\"_ _1b\"> </span></span></span><span style=\"display:inherit;clear:left;\">7<span class=\"_ _1\"></span>8 142</span><span style=\"display:inherit;clear:left;\"><span class=\"_ _a2\"> </span><span class=\"ls82 ws14b\">650<span class=\"_ _93\"> </span><span class=\"ls12a ws1d4\">78<span class=\"_ _8\"></span> 7<span class=\"_ _8\"></span>93</span></span></span><span style=\"display:inherit;clear:left;\">Overf<span class=\"_ _1\"></span>\u00f8rt til 12 mnd ECL (s<span class=\"_ _1\"></span>teg 1)<span class=\"_ _22d\"> </span><span class=\"ls126 ws1d0\">1 583<span class=\"_ _87\"> </span></span>-<span class=\"_ _1\"></span>1 516<span class=\"_ _1b\"> </span></span><span style=\"display:inherit;clear:left;\">-1<span class=\"_ _8\"></span>6<span class=\"_ _b6\"> </span><span class=\"ls82 ws14b\">50<span class=\"_ _25\"> </span>-50<span class=\"_ _43\"> </span></span></span><span style=\"display:inherit;clear:left;\">0</span><span style=\"display:inherit;clear:left;\">Overf<span class=\"_ _1\"></span>\u00f8rt til lev<span class=\"_ _1\"></span>e<span class=\"_ _1\"></span>tid ECL \u2013 ikk<span class=\"_ _1\"></span>e objektiv<span class=\"_ _1\"></span>e bevis p\u00e5 </span><span style=\"display:inherit;clear:left;\">tap (st<span class=\"_ _1\"></span>eg 2)<span class=\"_ _22e\"> </span><span class=\"ls84 wsdf\">-3 36<span class=\"_ _8\"></span>2<span class=\"_ _90\"> </span></span>3 480<span class=\"_ _6f\"> </span>-<span class=\"_ _2\"></span>119<span class=\"_ _43\"> </span>0<span class=\"_ _43\"> </span>0<span class=\"_ _21e\"> </span>0</span><span style=\"display:inherit;clear:left;\">Overf<span class=\"_ _1\"></span>\u00f8rt til lev<span class=\"_ _1\"></span>e<span class=\"_ _1\"></span>tid ECL \u2013 objektiv<span class=\"_ _1\"></span>e be<span class=\"_ _1\"></span>vis p\u00e5 tap </span><span style=\"display:inherit;clear:left;\">(st<span class=\"_ _1\"></span>eg 3) \u2013 Modellberegne<span class=\"_ _1\"></span>t<span class=\"_ _176\"> </span></span><span style=\"display:inherit;clear:left;\">-46<span class=\"_ _94\"> </span></span><span style=\"display:inherit;clear:left;\">-1<span class=\"_ _a\"></span>6<span class=\"_ _8\"></span>9<span class=\"_ _6f\"> </span><span class=\"ls83 wsdd\">225<span class=\"_ _88\"> </span></span></span><span style=\"display:inherit;clear:left;\">10<span class=\"_ _13\"> </span><span class=\"ls6 ws6\">-1<span class=\"_ _a\"></span>0<span class=\"_ _c8\"> </span></span>0</span><span style=\"display:inherit;clear:left;\">Overf<span class=\"_ _1\"></span>\u00f8rt til lev<span class=\"_ _1\"></span>e<span class=\"_ _1\"></span>tid ECL \u2013 objektiv<span class=\"_ _1\"></span>e be<span class=\"_ _1\"></span>vis p\u00e5 tap </span><span style=\"display:inherit;clear:left;\">(st<span class=\"_ _1\"></span>eg 3) \u2013 Individuelt vurdert<span class=\"_ _11f\"> </span></span><span style=\"display:inherit;clear:left;\">-1<span class=\"_ _8\"></span>2<span class=\"_ _11\"> </span><span class=\"ls109 ws16b\">-28<span class=\"_ _1a\"> </span></span>-1<span class=\"_ _8\"></span>8<span class=\"_ _117\"> </span><span class=\"ls31 ws81\">-<span class=\"_ _8\"></span>57<span class=\"_ _116\"> </span>57<span class=\"_ _c8\"> </span></span></span><span style=\"display:inherit;clear:left;\">0</span><span style=\"display:inherit;clear:left;\">Nye ut<span class=\"_ _1\"></span>st<span class=\"_ _1\"></span>edte eller kj\u00f8p<span class=\"_ _1\"></span>te finansielle eiendeler<span class=\"_ _72\"> </span>39 655<span class=\"_ _cd\"> </span>1 490<span class=\"_ _1a\"> </span>84<span class=\"_ _1a\"> </span>4<span class=\"_ _1\"></span>1 229<span class=\"_ _df\"> </span><span class=\"ls125 ws1cf\">120<span class=\"_ _72\"> </span></span>4<span class=\"_ _1\"></span>1 348</span><span style=\"display:inherit;clear:left;\">Finansielle eiendeler som har blitt fr<span class=\"_ _1\"></span>ar<span class=\"_ _1\"></span>egnet  </span><span style=\"display:inherit;clear:left;\">\u2013 eksklusiv<span class=\"_ _1\"></span>e tapsnedskriving<span class=\"_ _202\"> </span>-2<span class=\"_ _1\"></span>8 2<span class=\"_ _1\"></span>44<span class=\"_ _c9\"> </span></span><span style=\"display:inherit;clear:left;\">-3<span class=\"_ _8\"></span> 79<span class=\"_ _8\"></span>9<span class=\"_ _83\"> </span></span><span style=\"display:inherit;clear:left;\">-326<span class=\"_ _108\"> </span></span><span style=\"display:inherit;clear:left;\">-<span class=\"_ _8\"></span>32<span class=\"_ _a\"></span> 370<span class=\"_ _9d\"> </span><span class=\"ls6 ws6\">-1<span class=\"_ _a\"></span>5<span class=\"_ _8\"></span>8<span class=\"_ _6f\"> </span><span class=\"ls109 ws16b\">-<span class=\"_ _8\"></span>32 528</span></span></span><span style=\"display:inherit;clear:left;\">Net<span class=\"_ _1\"></span>to endring p\u00e5 ek<span class=\"_ _1\"></span>sist<span class=\"_ _1\"></span>erende l\u00e5n<span class=\"_ _e1\"> </span></span><span style=\"display:inherit;clear:left;\">2<span class=\"_ _8\"></span> 787<span class=\"_ _1b\"> </span></span><span style=\"display:inherit;clear:left;\">399<span class=\"_ _14\"> </span></span><span style=\"display:inherit;clear:left;\">89<span class=\"_ _91\"> </span><span class=\"ls13 ws13\">3<span class=\"_ _8\"></span> 275<span class=\"_ _88\"> </span></span></span><span style=\"display:inherit;clear:left;\">14<span class=\"_ _3e\"> </span><span class=\"ls109 ws16b\">3<span class=\"_ _8\"></span> 289</span></span><span style=\"display:inherit;clear:left;\">Andre endring<span class=\"_ _1\"></span>er<span class=\"_ _70\"> </span></span><span style=\"display:inherit;clear:left;\">2<span class=\"_ _8\"></span> 241<span class=\"_ _10\"> </span><span class=\"ls10 ws10\">61<span class=\"_ _1a\"> </span></span></span><span style=\"display:inherit;clear:left;\">84<span class=\"_ _21a\"> </span><span class=\"ls139 ws1e6\">2<span class=\"_ _8\"></span> 386<span class=\"_ _43\"> </span></span>0<span class=\"_ _21a\"> </span><span class=\"ls139 ws1e6\">2<span class=\"_ _8\"></span> 386</span></span><span style=\"display:inherit;clear:left;\">Brutto utl\u00e5n pr<span class=\"_ _0\"></span>. 31/12<span class=\"_ _1\"></span>-2<span class=\"_ _1\"></span>022 vur<span class=\"_ _2\"></span>der<span class=\"_ _8\"></span>t til </span><span style=\"display:inherit;clear:left;\">amortisert kos<span class=\"_ _1\"></span>t eller virk<span class=\"_ _1\"></span>elig ver<span class=\"_ _2\"></span>di ov<span class=\"_ _1\"></span>er OCI<span class=\"_ _98\"> </span></span><span style=\"display:inherit;clear:left;\">83<span class=\"_ _8\"></span> 568<span class=\"_ _cb\"> </span></span><span style=\"display:inherit;clear:left;\">8 460<span class=\"_ _65\"> </span><span class=\"ls135 ws1e2\">636<span class=\"_ _94\"> </span></span></span><span style=\"display:inherit;clear:left;\">92 665<span class=\"_ _20e\"> </span><span class=\"ls12c ws1d6\">623<span class=\"_ _74\"> </span></span>93 2<span class=\"_ _1\"></span>88</span><span style=\"display:inherit;clear:left;\">T<span class=\"_ _0\"></span>apsnedskriving utl\u00e5n<span class=\"_ _17d\"> </span></span><span style=\"display:inherit;clear:left;\">-15<span class=\"_ _a\"></span>5<span class=\"_ _86\"> </span><span class=\"ls4a ws9d\">-24<span class=\"_ _8\"></span>6<span class=\"_ _6e\"> </span></span>-1<span class=\"_ _8\"></span>9<span class=\"_ _8\"></span>1<span class=\"_ _4a\"> </span></span><span style=\"display:inherit;clear:left;\">-59<span class=\"_ _8\"></span>2<span class=\"_ _3d\"> </span><span class=\"ls84 wsdf\">-2<span class=\"_ _8\"></span>36<span class=\"_ _3d\"> </span><span class=\"ls109 ws16b\">-<span class=\"_ _8\"></span>828</span></span></span><span style=\"display:inherit;clear:left;\">Net<span class=\"_ _1\"></span>to utl\u00e5n pr<span class=\"_ _0\"></span>. 31/12<span class=\"_ _1\"></span>-2<span class=\"_ _1\"></span>022 vur<span class=\"_ _1\"></span>dert til amortisert </span><span style=\"display:inherit;clear:left;\">kos<span class=\"_ _1\"></span>t eller virkelig v<span class=\"_ _1\"></span>er<span class=\"_ _1\"></span>di o<span class=\"_ _1\"></span>v<span class=\"_ _1\"></span>er OCI<span class=\"_ _1d5\"> </span>83 4<span class=\"_ _2\"></span>14<span class=\"_ _83\"> </span>8 214<span class=\"_ _6b\"> </span></span><span style=\"display:inherit;clear:left;\">446<span class=\"_ _93\"> </span></span><span style=\"display:inherit;clear:left;\">9<span class=\"_ _38\"></span>2<span class=\"_ _a\"></span> 0<span class=\"_ _8\"></span>74<span class=\"_ _e7\"> </span><span class=\"ls132 ws1de\">387<span class=\"_ _94\"> </span><span class=\"lsf6 ws158\">92<span class=\"_ _8\"></span> 460</span></span></span><span style=\"display:inherit;clear:left;\">Utl\u00e5n vur<span class=\"_ _1\"></span>dert til virkelig v<span class=\"_ _1\"></span>er<span class=\"_ _1\"></span>di<span class=\"_ _22f\"> </span><span class=\"ff4 ls6 ws6\">4<span class=\"_ _8\"></span> 7<span class=\"_ _8\"></span>97</span></span><span style=\"display:inherit;clear:left;\">Balansef<span class=\"_ _1\"></span>\u00f8rt<span class=\"_ _1\"></span>e utl\u00e5n pr<span class=\"_ _0\"></span>. 31/12-<span class=\"_ _1\"></span>20<span class=\"_ _1\"></span>22<span class=\"_ _230\"> </span><span class=\"ls61 wsb5\">97<span class=\"_ _8\"></span> 2<span class=\"_ _8\"></span>5<span class=\"_ _8\"></span>8</span></span><span style=\"display:inherit;clear:left;\">No<span class=\"_ _1\"></span>te 13 N<span class=\"_ _1\"></span>edskr<span class=\"_ _8\"></span>ivn<span class=\"_ _8\"></span>ing p\u00e5 u<span class=\"_ _1\"></span>tl\u00e5n, garantie<span class=\"_ _1\"></span>r<span class=\"_ _2\"></span>, ubenyt<span class=\"_ _8\"></span>tede kreditter sam<span class=\"_ _1\"></span>t l\u00e5ne<span class=\"_ _1\"></span>tilsagn</span><span style=\"display:inherit;clear:left;\">T<span class=\"_ _0\"></span>abellen nedenf<span class=\"_ _1\"></span>or forklar<span class=\"_ _1\"></span>er endring i f<span class=\"_ _1\"></span>orv<span class=\"_ _1\"></span>ent<span class=\"_ _1\"></span>e<span class=\"_ _1\"></span>t tap (tapsa<span class=\"_ _1\"></span>vse<span class=\"_ _1\"></span>tning) fr<span class=\"_ _1\"></span>a inng\u00e5ende balanse til utg<span class=\"_ _1\"></span>\u00e5ende balanse. Prinsipper f<span class=\"_ _1\"></span>or </span><span style=\"display:inherit;clear:left;\">klassifikasjon innen s<span class=\"_ _1\"></span>teg og m\u00e5ling a<span class=\"_ _1\"></span>v f<span class=\"_ _1\"></span>orv<span class=\"_ _1\"></span>ent<span class=\"_ _1\"></span>e<span class=\"_ _1\"></span>t tap fr<span class=\"_ _1\"></span>emkommer a<span class=\"_ _1\"></span>v no<span class=\"_ _1\"></span>te 11. </span><span style=\"display:inherit;clear:left;\">Kons<span class=\"_ _1\"></span>ta<span class=\"_ _1\"></span>tering a<span class=\"_ _2\"></span>v tapsnedskrivning (bokf\u00f8ring mot k<span class=\"_ _1\"></span>undens engasjemen<span class=\"_ _1\"></span>t) skal f<span class=\"_ _1\"></span>or<span class=\"_ _1\"></span>etas n\u00e5r alle sikk<span class=\"_ _1\"></span>erhe<span class=\"_ _1\"></span>ter er r<span class=\"_ _1\"></span>ealisert og det er </span><span style=\"display:inherit;clear:left;\">utvilsomt a<span class=\"_ _2\"></span>t banken ikke f<span class=\"_ _1\"></span>\u00e5r \ufb02er<span class=\"_ _1\"></span>e innbetaling<span class=\"_ _1\"></span>er p\u00e5 engasjemen<span class=\"_ _1\"></span>te<span class=\"_ _1\"></span>t. Kr<span class=\"_ _1\"></span>a<span class=\"_ _1\"></span>v<span class=\"_ _1\"></span>et mo<span class=\"_ _1\"></span>t kunden bes<span class=\"_ _1\"></span>t\u00e5r og skal f<span class=\"_ _1\"></span>\u00f8lges opp<span class=\"_ _1\"></span>, med mindr<span class=\"_ _1\"></span>e de<span class=\"_ _1\"></span>t er </span><span style=\"display:inherit;clear:left;\">inng\u00e5<span class=\"_ _1\"></span>tt a<span class=\"_ _2\"></span>vtale om etter<span class=\"_ _1\"></span>giv<span class=\"_ _1\"></span>else med kunden.</span><span style=\"display:inherit;clear:left;\">Nedskrivning p\u00e5 gar<span class=\"_ _1\"></span>antier<span class=\"_ _0\"></span>, ubenyt<span class=\"_ _1\"></span>tede kr<span class=\"_ _1\"></span>edit<span class=\"_ _1\"></span>ter og l\u00e5ne<span class=\"_ _1\"></span>tilsagn om<span class=\"_ _1\"></span>fa<span class=\"_ _2\"></span>tter o<span class=\"_ _1\"></span>ff<span class=\"_ _1\"></span>-balance post<span class=\"_ _1\"></span>er og f<span class=\"_ _1\"></span>\u00f8r<span class=\"_ _1\"></span>es som gjeldsf<span class=\"_ _1\"></span>orplikt<span class=\"_ _1\"></span>else i </span><span style=\"display:inherit;clear:left;\">regnsk<span class=\"_ _1\"></span>apet.</span><span style=\"display:inherit;clear:left;\">K<span class=\"_ _1\"></span>ONSERN</span><span style=\"display:inherit;clear:left;\"> Sum modell- </span><span style=\"display:inherit;clear:left;\">Individuelt </span><span style=\"display:inherit;clear:left;\">Periodens be<span class=\"_ _1\"></span>v<span class=\"_ _1\"></span>eg<span class=\"_ _1\"></span>else p\u00e5 nedskrivning e<span class=\"_ _1\"></span>tter </span><span style=\"display:inherit;clear:left;\">Modellber<span class=\"_ _1\"></span>egnet</span><span style=\"display:inherit;clear:left;\">ber<span class=\"_ _1\"></span>egnet tap</span><span style=\"display:inherit;clear:left;\">vur<span class=\"_ _1\"></span>dert<span class=\"_ _a2\"> </span><span class=\"ls140 ws1ee\">To<span class=\"_ _a\"></span>t<span class=\"_ _38\"></span>a<span class=\"_ _a\"></span>l</span></span><span style=\"display:inherit;clear:left;\">IFRS 9 p\u00e5 utl\u00e5n, gar<span class=\"_ _1\"></span>antier<span class=\"_ _0\"></span>, ubenytt<span class=\"_ _1\"></span>ede kr<span class=\"_ _1\"></span>edit<span class=\"_ _1\"></span>-</span><span style=\"display:inherit;clear:left;\">ter og l\u00e5ne<span class=\"_ _1\"></span>tilsagn</span><span style=\"display:inherit;clear:left;\">Steg<span class=\"_ _8\"></span> 1<span class=\"_ _cc\"> </span>Ste<span class=\"_ _8\"></span>g 2<span class=\"_ _a3\"> </span>Ste<span class=\"_ _8\"></span>g 3<span class=\"_ _1e5\"> </span>Ste<span class=\"_ _8\"></span>g 3</span><span style=\"display:inherit;clear:left;\">T<span class=\"_ _0\"></span>apsavse<span class=\"_ _1\"></span>tning inng\u00e5<span class=\"_ _1\"></span>ende balanse<span class=\"_ _16a\"> </span></span><span style=\"display:inherit;clear:left;\">199<span class=\"_ _5d\"> </span></span><span style=\"display:inherit;clear:left;\">336<span class=\"_ _189\"> </span></span><span style=\"display:inherit;clear:left;\">20<span class=\"_ _8\"></span>5<span class=\"_ _15\"> </span></span><span style=\"display:inherit;clear:left;\">739<span class=\"_ _118\"> </span><span class=\"ls61 wsb5\">237<span class=\"_ _118\"> </span>976</span></span><span style=\"display:inherit;clear:left;\">Overf<span class=\"_ _1\"></span>\u00f8rt til 12 mnd ECL (s<span class=\"_ _1\"></span>teg 1)<span class=\"_ _194\"> </span></span><span style=\"display:inherit;clear:left;\">92<span class=\"_ _14\"> </span></span><span style=\"display:inherit;clear:left;\">-83<span class=\"_ _78\"> </span><span class=\"ls82 ws14b\">-9<span class=\"_ _43\"> </span></span></span><span style=\"display:inherit;clear:left;\">0<span class=\"_ _43\"> </span>0<span class=\"_ _21e\"> </span>0</span><span style=\"display:inherit;clear:left;\">Overf<span class=\"_ _1\"></span>\u00f8rt til lev<span class=\"_ _1\"></span>e<span class=\"_ _1\"></span>tid ECL \u2013 ikk<span class=\"_ _1\"></span>e objektiv<span class=\"_ _1\"></span>e bevis p\u00e5 </span><span style=\"display:inherit;clear:left;\">tap (st<span class=\"_ _1\"></span>eg 2)<span class=\"_ _231\"> </span></span><span style=\"display:inherit;clear:left;\">-21<span class=\"_ _8d\"> </span><span class=\"ls120 ws1cb\">34<span class=\"_ _78\"> </span></span></span><span style=\"display:inherit;clear:left;\">-6<span class=\"_ _10d\"> </span>7<span class=\"_ _110\"> </span><span class=\"ls134 ws1e1\">-7<span class=\"_ _10d\"> </span></span>0</span><span style=\"display:inherit;clear:left;\">Overf<span class=\"_ _1\"></span>\u00f8rt til lev<span class=\"_ _1\"></span>e<span class=\"_ _1\"></span>tid ECL \u2013 objektiv<span class=\"_ _1\"></span>e be<span class=\"_ _1\"></span>vis p\u00e5 tap </span><span style=\"display:inherit;clear:left;\">(st<span class=\"_ _1\"></span>eg 3) \u2013 Modellberegne<span class=\"_ _1\"></span>t<span class=\"_ _232\"> </span></span><span style=\"display:inherit;clear:left;\">-1<span class=\"_ _98\"> </span></span><span style=\"display:inherit;clear:left;\">-26<span class=\"_ _14\"> </span><span class=\"ls12c ws1d6\">30<span class=\"_ _c8\"> </span></span></span><span style=\"display:inherit;clear:left;\">3<span class=\"_ _6a\"> </span><span class=\"ls84 wsdf\">-3<span class=\"_ _21e\"> </span></span>0</span><span style=\"display:inherit;clear:left;\">Overf<span class=\"_ _1\"></span>\u00f8rt til lev<span class=\"_ _1\"></span>e<span class=\"_ _1\"></span>tid ECL \u2013 objektiv<span class=\"_ _1\"></span>e be<span class=\"_ _1\"></span>vis p\u00e5 tap </span><span style=\"display:inherit;clear:left;\">(st<span class=\"_ _1\"></span>eg 3) \u2013 Individuelt vurdert<span class=\"_ _233\"> </span>0<span class=\"_ _78\"> </span></span><span style=\"display:inherit;clear:left;\">-1<span class=\"_ _a\"></span>2<span class=\"_ _16\"> </span></span><span style=\"display:inherit;clear:left;\">-9<span class=\"_ _10c\"> </span><span class=\"ls84 wsdf\">-2<span class=\"_ _8\"></span>1<span class=\"_ _84\"> </span></span></span><span style=\"display:inherit;clear:left;\">21<span class=\"_ _43\"> </span>0</span><span style=\"display:inherit;clear:left;\">Net<span class=\"_ _1\"></span>to n<span class=\"_ _1\"></span>y m\u00e5ling a<span class=\"_ _1\"></span>v tap<span class=\"_ _14c\"> </span><span class=\"ls6 ws6\">-12<span class=\"_ _10\"> </span></span>19<span class=\"_ _98\"> </span></span><span style=\"display:inherit;clear:left;\">72<span class=\"_ _b6\"> </span></span><span style=\"display:inherit;clear:left;\">80<span class=\"_ _13\"> </span><span class=\"ls126 ws1d0\">191<span class=\"_ _9c\"> </span><span class=\"ls4a ws9d\">270</span></span></span><span style=\"display:inherit;clear:left;\">Nye ut<span class=\"_ _1\"></span>st<span class=\"_ _1\"></span>edte eller kj\u00f8p<span class=\"_ _1\"></span>te finansielle eiendeler<span class=\"_ _117\"> </span></span><span style=\"display:inherit;clear:left;\">1<span class=\"_ _8\"></span>58<span class=\"_ _21a\"> </span><span class=\"ls31 ws81\">59<span class=\"_ _8d\"> </span></span>31<span class=\"_ _20e\"> </span><span class=\"ls4a ws9d\">24<span class=\"_ _8\"></span>8<span class=\"_ _84\"> </span></span></span><span style=\"display:inherit;clear:left;\">19<span class=\"_ _15\"> </span><span class=\"ls125 ws1cf\">266</span></span><span style=\"display:inherit;clear:left;\">Finansielle eiendeler som har blitt fr<span class=\"_ _1\"></span>ar<span class=\"_ _1\"></span>egnet<span class=\"_ _b1\"> </span><span class=\"ls82 ws14b\">-96<span class=\"_ _18\"> </span><span class=\"ls134 ws1e1\">-7<span class=\"_ _8\"></span>9<span class=\"_ _5d\"> </span><span class=\"ls31 ws81\">-<span class=\"_ _8\"></span>59<span class=\"_ _96\"> </span><span class=\"ls84 wsdf\">-234<span class=\"_ _95\"> </span><span class=\"ls138 ws1e5\">-<span class=\"_ _8\"></span>252<span class=\"_ _66\"> </span></span></span></span></span>-486</span></span><span style=\"display:inherit;clear:left;\">V<span class=\"_ _2\"></span>aluta og andre bev<span class=\"_ _1\"></span>eg<span class=\"_ _1\"></span>elser<span class=\"_ _1ce\"> </span>0<span class=\"_ _4a\"> </span>0<span class=\"_ _8b\"> </span>0<span class=\"_ _43\"> </span>0<span class=\"_ _69\"> </span>1<span class=\"_ _67\"> </span>1</span><span style=\"display:inherit;clear:left;\">T<span class=\"_ _2\"></span>apsa<span class=\"_ _1\"></span>v<span class=\"_ _1\"></span>setning pr<span class=\"_ _0\"></span>. 31/12<span class=\"_ _1\"></span>-2<span class=\"_ _1\"></span>02<span class=\"_ _1\"></span>3<span class=\"_ _218\"> </span></span><span style=\"display:inherit;clear:left;\">319<span class=\"_ _93\"> </span></span><span style=\"display:inherit;clear:left;\">2<span class=\"_ _8\"></span>47<span class=\"_ _86\"> </span></span><span style=\"display:inherit;clear:left;\">255<span class=\"_ _df\"> </span></span><span style=\"display:inherit;clear:left;\">82<span class=\"_ _8\"></span>1<span class=\"_ _9d\"> </span><span class=\"lsf6 ws158\">206<span class=\"_ _91\"> </span>1 026</span></span><span style=\"display:inherit;clear:left;\">A<span class=\"_ _1\"></span>vse<span class=\"_ _1\"></span>tning p\u00e5 utl\u00e5n<span class=\"_ _f8\"> </span></span><span style=\"display:inherit;clear:left;\">244<span class=\"_ _93\"> </span><span class=\"ls125 ws1cf\">208<span class=\"_ _65\"> </span>2<span class=\"_ _8\"></span>20<span class=\"_ _118\"> </span><span class=\"ls137 ws1e4\">672<span class=\"_ _15\"> </span></span>205<span class=\"_ _118\"> </span><span class=\"ls132 ws1de\">87<span class=\"_ _8\"></span>8</span></span></span><span style=\"display:inherit;clear:left;\">A<span class=\"_ _1\"></span>vse<span class=\"_ _1\"></span>tning p\u00e5 gar<span class=\"_ _1\"></span>an<span class=\"_ _1\"></span>tier<span class=\"_ _0\"></span>, ubenytte<span class=\"_ _1\"></span>t kr<span class=\"_ _1\"></span>editt sam<span class=\"_ _1\"></span>t </span><span style=\"display:inherit;clear:left;\">l\u00e5netilsagn<span class=\"_ _136\"> </span></span><span style=\"display:inherit;clear:left;\">75<span class=\"_ _3e\"> </span></span><span style=\"display:inherit;clear:left;\">39<span class=\"_ _14\"> </span><span class=\"ls9 ws9\">35<span class=\"_ _df\"> </span></span></span><span style=\"display:inherit;clear:left;\">148<span class=\"_ _21e\"> </span>0<span class=\"_ _df\"> </span><span class=\"ls13d ws1eb\">1<span class=\"_ _8\"></span>49</span></span><span style=\"display:inherit;clear:left;\">Sum tapsa<span class=\"_ _1\"></span>v<span class=\"_ _1\"></span>setning<span class=\"_ _21c\"> </span></span><span style=\"display:inherit;clear:left;\">319<span class=\"_ _5d\"> </span></span><span style=\"display:inherit;clear:left;\">2<span class=\"_ _8\"></span>47<span class=\"_ _6f\"> </span></span><span style=\"display:inherit;clear:left;\">255<span class=\"_ _df\"> </span></span><span style=\"display:inherit;clear:left;\">82<span class=\"_ _8\"></span>1<span class=\"_ _226\"> </span><span class=\"lsf6 ws158\">20<span class=\"_ _8\"></span>6<span class=\"_ _75\"> </span>1<span class=\"_ _8\"></span> 026</span></span><span style=\"display:inherit;clear:left;\">Periodens tapsk<span class=\"_ _1\"></span>os<span class=\"_ _1\"></span>tnad:</span><span style=\"display:inherit;clear:left;\">Periodens endring<span class=\"_ _1\"></span>er individuelle nedskrivning<span class=\"_ _1\"></span>er<span class=\"_ _234\"> </span><span class=\"ls84 wsdf\">-31</span></span><span style=\"display:inherit;clear:left;\">V<span class=\"_ _2\"></span>aluta og andre bev<span class=\"_ _1\"></span>eg<span class=\"_ _1\"></span>elser<span class=\"_ _235\"> </span>1</span><span style=\"display:inherit;clear:left;\">Kons<span class=\"_ _1\"></span>ta<span class=\"_ _1\"></span>tert tap i perioden med tidlig<span class=\"_ _1\"></span>er<span class=\"_ _1\"></span>e individuell nedskrivning<span class=\"_ _1c9\"> </span>18</span><span style=\"display:inherit;clear:left;\">Kons<span class=\"_ _1\"></span>ta<span class=\"_ _1\"></span>tert tap i perioden ut<span class=\"_ _1\"></span>en tidliger<span class=\"_ _1\"></span>e individuell nedskrivning<span class=\"_ _1ba\"> </span><span class=\"ls12c ws1d6\">36</span></span><span style=\"display:inherit;clear:left;\">Inngang p\u00e5 tidliger<span class=\"_ _1\"></span>e k<span class=\"_ _1\"></span>onsta<span class=\"_ _2\"></span>terte nedskrivninger<span class=\"_ _236\"> </span><span class=\"ls6 ws6\">-1<span class=\"_ _8\"></span>1</span></span><span style=\"display:inherit;clear:left;\">Net<span class=\"_ _1\"></span>to r<span class=\"_ _1\"></span>esulta<span class=\"_ _1\"></span>t<span class=\"_ _1\"></span>ef<span class=\"_ _1\"></span>f<span class=\"_ _1\"></span>ekt individuelle nedskrivninger<span class=\"_ _237\"> </span>13</span><span style=\"display:inherit;clear:left;\">Periodens endring i modellber<span class=\"_ _1\"></span>egne<span class=\"_ _1\"></span>t tap (s<span class=\"_ _1\"></span>teg 1-<span class=\"_ _1\"></span>3)<span class=\"_ _238\"> </span><span class=\"ls138 ws1e5\">82</span></span><span style=\"display:inherit;clear:left;\">Periodens tapsk<span class=\"_ _1\"></span>os<span class=\"_ _1\"></span>tnad<span class=\"_ _239\"> </span><span class=\"ls108 ws16a\">95</span></span><span style=\"display:inherit;clear:left;\">Brutt<span class=\"_ _1\"></span>o utl\u00e5n vurdert til amortisert kos<span class=\"_ _1\"></span>t pr<span class=\"_ _0\"></span>. </span><span style=\"display:inherit;clear:left;\">31/12<span class=\"_ _1\"></span>-<span class=\"_ _1\"></span>20<span class=\"_ _1\"></span>23<span class=\"_ _20a\"> </span>22<span class=\"_ _1\"></span>0 50<span class=\"_ _1\"></span>3<span class=\"_ _db\"> </span>14 636<span class=\"_ _107\"> </span></span><span style=\"display:inherit;clear:left;\">940<span class=\"_ _107\"> </span></span><span style=\"display:inherit;clear:left;\">2<span class=\"_ _8\"></span>3<span class=\"_ _8\"></span>6<span class=\"_ _8\"></span> 07<span class=\"_ _8\"></span>9<span class=\"_ _9d\"> </span><span class=\"ls13d ws1eb\">494<span class=\"_ _9b\"> </span><span class=\"ls137 ws1e4\">2<span class=\"_ _8\"></span>3<span class=\"_ _8\"></span>6<span class=\"_ _8\"></span> 572</span></span></span><span style=\"display:inherit;clear:left;\">T<span class=\"_ _0\"></span>apsnedskriving<span class=\"_ _da\"> </span></span><span style=\"display:inherit;clear:left;\">-24<span class=\"_ _8\"></span>4<span class=\"_ _86\"> </span><span class=\"ls125 ws1cf\">-208<span class=\"_ _87\"> </span>-2<span class=\"_ _8\"></span>20<span class=\"_ _4a\"> </span><span class=\"ls137 ws1e4\">-<span class=\"_ _8\"></span>672<span class=\"_ _3d\"> </span></span>-205<span class=\"_ _a1\"> </span><span class=\"ls132 ws1de\">-<span class=\"_ _8\"></span>878</span></span></span><span style=\"display:inherit;clear:left;\">Net<span class=\"_ _1\"></span>to utl\u00e5n vur<span class=\"_ _1\"></span>dert til amortisert kos<span class=\"_ _1\"></span>t i </span><span style=\"display:inherit;clear:left;\">balansen<span class=\"_ _23a\"> </span>220 2<span class=\"_ _1\"></span>5<span class=\"_ _1\"></span>9<span class=\"_ _c7\"> </span>14 428<span class=\"_ _86\"> </span></span><span style=\"display:inherit;clear:left;\">720<span class=\"_ _85\"> </span></span><span style=\"display:inherit;clear:left;\">2<span class=\"_ _8\"></span>3<span class=\"_ _8\"></span>5<span class=\"_ _a\"></span> 4<span class=\"_ _8\"></span>07<span class=\"_ _9c\"> </span><span class=\"ls109 ws16b\">28<span class=\"_ _8\"></span>8<span class=\"_ _85\"> </span><span class=\"ls138 ws1e5\">23<span class=\"_ _8\"></span>5<span class=\"_ _8\"></span> 695</span></span></span><span style=\"display:inherit;clear:left;\">Utl\u00e5n vurdert til virk<span class=\"_ _1\"></span>elig v<span class=\"_ _1\"></span>erdi o<span class=\"_ _1\"></span>v<span class=\"_ _1\"></span>er r<span class=\"_ _1\"></span>esulta<span class=\"_ _1\"></span>t<span class=\"_ _237\"> </span><span class=\"ls6 ws6\">2<span class=\"_ _8\"></span>0<span class=\"_ _8\"></span> 072</span></span><span style=\"display:inherit;clear:left;\">Balansef<span class=\"_ _1\"></span>\u00f8rt<span class=\"_ _1\"></span>e utl\u00e5n pr<span class=\"_ _0\"></span>. 31/12-<span class=\"_ _1\"></span>20<span class=\"_ _1\"></span>23<span class=\"_ _186\"> </span><span class=\"ls4a ws9d\">25<span class=\"_ _8\"></span>5<span class=\"_ _8\"></span> 767</span></span><span style=\"display:inherit;clear:left;\">Sensitivite<span class=\"_ _1\"></span>t i modell-ber<span class=\"_ _1\"></span>egnede nedskriving<span class=\"_ _1\"></span>er:<span class=\"_ _142\"> </span>BM<span class=\"_ _117\"> </span>PM<span class=\"_ _78\"> </span>T<span class=\"_ _0\"></span>otalt</span><span style=\"display:inherit;clear:left;\">Endring i forv<span class=\"_ _1\"></span>en<span class=\"_ _1\"></span>te<span class=\"_ _1\"></span>t tap v<span class=\"_ _1\"></span>ed 100 % v<span class=\"_ _1\"></span>ekting a<span class=\"_ _1\"></span>v nega<span class=\"_ _1\"></span>tivt scenario<span class=\"_ _23b\"> </span>713<span class=\"_ _15\"> </span><span class=\"ls31 ws81\">3<span class=\"_ _8\"></span>57<span class=\"_ _3d\"> </span></span>1 0<span class=\"_ _1\"></span>71</span><span style=\"display:inherit;clear:left;\">Endring i forv<span class=\"_ _1\"></span>en<span class=\"_ _1\"></span>te<span class=\"_ _1\"></span>t tap v<span class=\"_ _1\"></span>ed 100 % v<span class=\"_ _1\"></span>ekting a<span class=\"_ _1\"></span>v positivt scenario<span class=\"_ _17d\"> </span></span><span style=\"display:inherit;clear:left;\">-356<span class=\"_ _226\"> </span><span class=\"ls6 ws6\">-1<span class=\"_ _8\"></span>24<span class=\"_ _66\"> </span><span class=\"ls82 ws14b\">-4<span class=\"_ _8\"></span>80</span></span></span><span style=\"display:inherit;clear:left;\">Endring i forv<span class=\"_ _1\"></span>en<span class=\"_ _1\"></span>te<span class=\"_ _1\"></span>t tap v<span class=\"_ _1\"></span>ed str<span class=\"_ _1\"></span>es<span class=\"_ _1\"></span>s (R\u00e5<span class=\"_ _1\"></span>-PD-er </span><span style=\"display:inherit;clear:left;\">\u00f8ker med 2<span class=\"_ _1\"></span>0 % og sikkerhe<span class=\"_ _1\"></span>t<span class=\"_ _1\"></span>er f<span class=\"_ _1\"></span>aller med 20 %)<span class=\"_ _153\"> </span><span class=\"ls140 ws1ee\">1<span class=\"_ _38\"></span>74<span class=\"_ _b6\"> </span></span>48<span class=\"_ _97\"> </span>222</span><span style=\"display:inherit;clear:left;\">Endring i forv<span class=\"_ _1\"></span>en<span class=\"_ _1\"></span>te<span class=\"_ _1\"></span>t tap dersom L<span class=\"_ _2\"></span>GD reduser<span class=\"_ _1\"></span>es med 10 %<span class=\"_ _148\"> </span></span><span style=\"display:inherit;clear:left;\">-85<span class=\"_ _e7\"> </span><span class=\"ls125 ws1cf\">-20<span class=\"_ _a2\"> </span><span class=\"ls6 ws6\">-1<span class=\"_ _8\"></span>0<span class=\"_ _8\"></span>5</span></span></span><span style=\"display:inherit;clear:left;\">Endring i forv<span class=\"_ _1\"></span>en<span class=\"_ _1\"></span>te<span class=\"_ _1\"></span>t tap dersom L<span class=\"_ _2\"></span>GD \u00f8ker med 10 %<span class=\"_ _143\"> </span></span><span style=\"display:inherit;clear:left;\">85<span class=\"_ _20d\"> </span><span class=\"ls125 ws1cf\">20<span class=\"_ _25\"> </span><span class=\"ls133 ws1e0\">105</span></span></span><span style=\"display:inherit;clear:left;\">Utl\u00e5n som er kons<span class=\"_ _1\"></span>ta<span class=\"_ _1\"></span>tert tap<span class=\"_ _1\"></span>t, men som fortsa<span class=\"_ _2\"></span>tt er gjenstand f<span class=\"_ _1\"></span>or oppf<span class=\"_ _1\"></span>\u00f8lging utgj\u00f8r to<span class=\"_ _1\"></span>talt  143 millioner kr<span class=\"_ _1\"></span>oner per 31. desember 2<span class=\"_ _1\"></span>0<span class=\"_ _1\"></span>23 </span><span style=\"display:inherit;clear:left;\">og  139 millioner kr<span class=\"_ _1\"></span>oner per 3<span class=\"_ _1\"></span>1. desember 20<span class=\"_ _1\"></span>22.</span><span style=\"display:inherit;clear:left;\">MORBANK</span><span style=\"display:inherit;clear:left;\"> Sum modell- </span><span style=\"display:inherit;clear:left;\">Individuelt </span><span style=\"display:inherit;clear:left;\">Periodens be<span class=\"_ _1\"></span>v<span class=\"_ _1\"></span>eg<span class=\"_ _1\"></span>else p\u00e5 nedskrivning e<span class=\"_ _1\"></span>tter </span><span style=\"display:inherit;clear:left;\">Modellber<span class=\"_ _1\"></span>egnet</span><span style=\"display:inherit;clear:left;\">ber<span class=\"_ _1\"></span>egnet tap</span><span style=\"display:inherit;clear:left;\">vur<span class=\"_ _1\"></span>dert<span class=\"_ _a2\"> </span><span class=\"ls140 ws1ee\">To<span class=\"_ _a\"></span>t<span class=\"_ _38\"></span>a<span class=\"_ _a\"></span>l</span></span><span style=\"display:inherit;clear:left;\">IFRS9 p\u00e5 utl\u00e5n, gar<span class=\"_ _1\"></span>an<span class=\"_ _1\"></span>tier<span class=\"_ _2\"></span>, uben<span class=\"_ _1\"></span>ytte<span class=\"_ _1\"></span>de kr<span class=\"_ _1\"></span>editt<span class=\"_ _1\"></span>er </span><span style=\"display:inherit;clear:left;\">og l\u00e5netilsagn</span><span style=\"display:inherit;clear:left;\">Steg<span class=\"_ _8\"></span> 1<span class=\"_ _cc\"> </span>Ste<span class=\"_ _8\"></span>g 2<span class=\"_ _a3\"> </span>Ste<span class=\"_ _8\"></span>g 3<span class=\"_ _1e5\"> </span>Ste<span class=\"_ _8\"></span>g 3</span><span style=\"display:inherit;clear:left;\">T<span class=\"_ _0\"></span>apsavse<span class=\"_ _1\"></span>tning inng\u00e5<span class=\"_ _1\"></span>ende balanse<span class=\"_ _129\"> </span></span><span style=\"display:inherit;clear:left;\">190<span class=\"_ _74\"> </span></span><span style=\"display:inherit;clear:left;\">303<span class=\"_ _93\"> </span></span><span style=\"display:inherit;clear:left;\">194<span class=\"_ _15\"> </span></span><span style=\"display:inherit;clear:left;\">6<span class=\"_ _8\"></span>87<span class=\"_ _9c\"> </span><span class=\"ls61 wsb5\">2<span class=\"_ _8\"></span>37<span class=\"_ _15\"> </span><span class=\"ls12c ws1d6\">923</span></span></span><span style=\"display:inherit;clear:left;\">Overf<span class=\"_ _1\"></span>\u00f8rt til 12 mnd ECL (s<span class=\"_ _1\"></span>teg 1)<span class=\"_ _23c\"> </span><span class=\"ls82 ws14b\">81<span class=\"_ _18\"> </span><span class=\"ls134 ws1e1\">-7<span class=\"_ _a\"></span>2<span class=\"_ _92\"> </span></span>-9<span class=\"_ _43\"> </span></span>0<span class=\"_ _21e\"> </span>0<span class=\"_ _43\"> </span>0</span><span style=\"display:inherit;clear:left;\">Overf<span class=\"_ _1\"></span>\u00f8rt til lev<span class=\"_ _1\"></span>e<span class=\"_ _1\"></span>tid ECL \u2013 ikk<span class=\"_ _1\"></span>e objektiv<span class=\"_ _1\"></span>e bevis p\u00e5 </span><span style=\"display:inherit;clear:left;\">tap (st<span class=\"_ _1\"></span>eg 2)<span class=\"_ _23d\"> </span></span><span style=\"display:inherit;clear:left;\">-20<span class=\"_ _75\"> </span>32<span class=\"_ _9a\"> </span><span class=\"ls120 ws1cb\">-5<span class=\"_ _10d\"> </span></span></span><span style=\"display:inherit;clear:left;\">7<span class=\"_ _110\"> </span><span class=\"ls134 ws1e1\">-7<span class=\"_ _10d\"> </span></span>0</span><span style=\"display:inherit;clear:left;\">Overf<span class=\"_ _1\"></span>\u00f8rt til lev<span class=\"_ _1\"></span>e<span class=\"_ _1\"></span>tid ECL \u2013 objektiv<span class=\"_ _1\"></span>e be<span class=\"_ _1\"></span>vis p\u00e5 tap </span><span style=\"display:inherit;clear:left;\">(st<span class=\"_ _1\"></span>eg 3) \u2013 Modellberegne<span class=\"_ _1\"></span>t<span class=\"_ _210\"> </span>0<span class=\"_ _14\"> </span></span><span style=\"display:inherit;clear:left;\">-25<span class=\"_ _21a\"> </span><span class=\"ls125 ws1cf\">29<span class=\"_ _10d\"> </span></span></span><span style=\"display:inherit;clear:left;\">3<span class=\"_ _6a\"> </span><span class=\"ls84 wsdf\">-3<span class=\"_ _21e\"> </span></span>0</span><span style=\"display:inherit;clear:left;\">Overf<span class=\"_ _1\"></span>\u00f8rt til lev<span class=\"_ _1\"></span>e<span class=\"_ _1\"></span>tid ECL \u2013 objektiv<span class=\"_ _1\"></span>e be<span class=\"_ _1\"></span>vis p\u00e5 tap </span><span style=\"display:inherit;clear:left;\">(st<span class=\"_ _1\"></span>eg 3) \u2013 Individuelt vurdert<span class=\"_ _127\"> </span>0<span class=\"_ _16\"> </span><span class=\"ls6 ws6\">-1<span class=\"_ _8\"></span>2<span class=\"_ _10\"> </span></span>-8<span class=\"_ _10c\"> </span><span class=\"ls84 wsdf\">-21<span class=\"_ _6a\"> </span></span>21<span class=\"_ _21e\"> </span>0</span><span style=\"display:inherit;clear:left;\">Net<span class=\"_ _1\"></span>to n<span class=\"_ _1\"></span>y m\u00e5ling a<span class=\"_ _1\"></span>v tap<span class=\"_ _23e\"> </span><span class=\"ls6 ws6\">-1<span class=\"_ _8\"></span>8<span class=\"_ _10\"> </span></span>-6<span class=\"_ _3e\"> </span></span><span style=\"display:inherit;clear:left;\">47<span class=\"_ _49\"> </span></span><span style=\"display:inherit;clear:left;\">23<span class=\"_ _13\"> </span><span class=\"ls126 ws1d0\">191<span class=\"_ _df\"> </span></span></span><span style=\"display:inherit;clear:left;\">214</span><span style=\"display:inherit;clear:left;\">Nye ut<span class=\"_ _1\"></span>st<span class=\"_ _1\"></span>edte eller kj\u00f8p<span class=\"_ _1\"></span>te finansielle eiendeler<span class=\"_ _20e\"> </span></span><span style=\"display:inherit;clear:left;\">1<span class=\"_ _8\"></span>49<span class=\"_ _75\"> </span></span><span style=\"display:inherit;clear:left;\">57<span class=\"_ _3e\"> </span></span><span style=\"display:inherit;clear:left;\">38<span class=\"_ _9d\"> </span><span class=\"ls4a ws9d\">24<span class=\"_ _8\"></span>4<span class=\"_ _23f\"> </span></span></span><span style=\"display:inherit;clear:left;\">19<span class=\"_ _15\"> </span><span class=\"ls125 ws1cf\">263</span></span><span style=\"display:inherit;clear:left;\">Finansielle eiendeler som har blitt fr<span class=\"_ _1\"></span>ar<span class=\"_ _1\"></span>egnet<span class=\"_ _b6\"> </span></span><span style=\"display:inherit;clear:left;\">-94<span class=\"_ _11\"> </span></span><span style=\"display:inherit;clear:left;\">-7<span class=\"_ _8\"></span>0<span class=\"_ _11\"> </span><span class=\"ls120 ws1cb\">-53<span class=\"_ _a2\"> </span></span></span><span style=\"display:inherit;clear:left;\">-218</span><span style=\"display:inherit;clear:left;\"><span class=\"_ _3d\"> </span><span class=\"ls138 ws1e5\">-<span class=\"_ _8\"></span>252<span class=\"_ _3d\"> </span><span class=\"ls13e ws1ec\">-<span class=\"_ _8\"></span>47<span class=\"_ _8\"></span>0</span></span></span><span style=\"display:inherit;clear:left;\">V<span class=\"_ _2\"></span>aluta og andre bev<span class=\"_ _1\"></span>eg<span class=\"_ _1\"></span>elser<span class=\"_ _176\"> </span>0<span class=\"_ _4a\"> </span>0<span class=\"_ _4a\"> </span>0<span class=\"_ _43\"> </span>0<span class=\"_ _69\"> </span>1<span class=\"_ _67\"> </span>1</span><span style=\"display:inherit;clear:left;\">T<span class=\"_ _2\"></span>apsa<span class=\"_ _1\"></span>v<span class=\"_ _1\"></span>setning pr<span class=\"_ _0\"></span>. 31/12<span class=\"_ _1\"></span>-2<span class=\"_ _1\"></span>02<span class=\"_ _1\"></span>3<span class=\"_ _240\"> </span></span><span style=\"display:inherit;clear:left;\">287<span class=\"_ _5d\"> </span><span class=\"lsf6 ws158\">205<span class=\"_ _5d\"> </span><span class=\"ls133 ws1e0\">233<span class=\"_ _15\"> </span><span class=\"ls14f ws200\">72<span class=\"_ _8\"></span>5<span class=\"_ _9d\"> </span></span></span>20<span class=\"_ _8\"></span>6<span class=\"_ _9d\"> </span><span class=\"ls135 ws1e2\">930</span></span></span><span style=\"display:inherit;clear:left;\">A<span class=\"_ _1\"></span>vse<span class=\"_ _1\"></span>tning p\u00e5 utl\u00e5n<span class=\"_ _195\"> </span>214<span class=\"_ _12\"> </span></span><span style=\"display:inherit;clear:left;\">1<span class=\"_ _8\"></span>67<span class=\"_ _12\"> </span></span><span style=\"display:inherit;clear:left;\">1<span class=\"_ _8\"></span>98<span class=\"_ _9c\"> </span></span><span style=\"display:inherit;clear:left;\">579<span class=\"_ _15\"> </span><span class=\"ls125 ws1cf\">205<span class=\"_ _15\"> </span><span class=\"ls61 wsb5\">78<span class=\"_ _8\"></span>4</span></span></span><span style=\"display:inherit;clear:left;\">A<span class=\"_ _1\"></span>vse<span class=\"_ _1\"></span>tning p\u00e5 gar<span class=\"_ _1\"></span>an<span class=\"_ _1\"></span>tier<span class=\"_ _0\"></span>, ubenytte<span class=\"_ _1\"></span>t kr<span class=\"_ _1\"></span>editt sam<span class=\"_ _1\"></span>t </span><span style=\"display:inherit;clear:left;\">l\u00e5netilsagn<span class=\"_ _33\"> </span></span><span style=\"display:inherit;clear:left;\">73<span class=\"_ _75\"> </span></span><span style=\"display:inherit;clear:left;\">38<span class=\"_ _3e\"> </span></span><span style=\"display:inherit;clear:left;\">35<span class=\"_ _118\"> </span><span class=\"ls133 ws1e0\">1<span class=\"_ _8\"></span>46<span class=\"_ _21e\"> </span></span></span><span style=\"display:inherit;clear:left;\">0<span class=\"_ _df\"> </span><span class=\"ls133 ws1e0\">146</span></span><span style=\"display:inherit;clear:left;\">Sum tapsa<span class=\"_ _1\"></span>v<span class=\"_ _1\"></span>setning<span class=\"_ _30\"> </span></span><span style=\"display:inherit;clear:left;\">287<span class=\"_ _74\"> </span><span class=\"lsf6 ws158\">20<span class=\"_ _8\"></span>5<span class=\"_ _5d\"> </span><span class=\"ls133 ws1e0\">233<span class=\"_ _15\"> </span><span class=\"ls14f ws200\">72<span class=\"_ _8\"></span>5<span class=\"_ _9d\"> </span></span></span>20<span class=\"_ _8\"></span>6<span class=\"_ _9d\"> </span><span class=\"ls135 ws1e2\">930</span></span></span><span style=\"display:inherit;clear:left;\">Periodens tapsk<span class=\"_ _1\"></span>os<span class=\"_ _1\"></span>tnad:</span><span style=\"display:inherit;clear:left;\">Periodens endring<span class=\"_ _1\"></span>er individuelle nedskrivning<span class=\"_ _1\"></span>er<span class=\"_ _234\"> </span><span class=\"ls84 wsdf\">-31</span></span><span style=\"display:inherit;clear:left;\">V<span class=\"_ _2\"></span>aluta og andre bev<span class=\"_ _1\"></span>eg<span class=\"_ _1\"></span>elser<span class=\"_ _235\"> </span>1</span><span style=\"display:inherit;clear:left;\">Kons<span class=\"_ _1\"></span>ta<span class=\"_ _1\"></span>tert tap i perioden med tidlig<span class=\"_ _1\"></span>er<span class=\"_ _1\"></span>e individuell nedskrivning<span class=\"_ _1c9\"> </span>18</span><span style=\"display:inherit;clear:left;\">Kons<span class=\"_ _1\"></span>ta<span class=\"_ _1\"></span>tert tap i perioden ut<span class=\"_ _1\"></span>en tidliger<span class=\"_ _1\"></span>e individuell nedskrivning<span class=\"_ _1ba\"> </span><span class=\"ls9 ws9\">33</span></span><span style=\"display:inherit;clear:left;\">Inngang p\u00e5 tidliger<span class=\"_ _1\"></span>e k<span class=\"_ _1\"></span>onsta<span class=\"_ _2\"></span>terte nedskrivninger<span class=\"_ _164\"> </span><span class=\"ls6 ws6\">-1<span class=\"_ _8\"></span>0</span></span><span style=\"display:inherit;clear:left;\">Net<span class=\"_ _1\"></span>to r<span class=\"_ _1\"></span>esulta<span class=\"_ _1\"></span>t<span class=\"_ _1\"></span>ef<span class=\"_ _1\"></span>f<span class=\"_ _1\"></span>ekt individuelle nedskrivninger<span class=\"_ _241\"> </span>11</span><span style=\"display:inherit;clear:left;\">Periodens endring i modellber<span class=\"_ _1\"></span>egne<span class=\"_ _1\"></span>t tap (s<span class=\"_ _1\"></span>teg 1-<span class=\"_ _1\"></span>3)<span class=\"_ _238\"> </span><span class=\"ls139 ws1e6\">38</span></span><span style=\"display:inherit;clear:left;\">Periodens tapsk<span class=\"_ _1\"></span>os<span class=\"_ _1\"></span>tnad<span class=\"_ _242\"> </span><span class=\"ls13 ws13\">49</span></span><span style=\"display:inherit;clear:left;\">Brutt<span class=\"_ _1\"></span>o utl\u00e5n vurdert til amortisert kos<span class=\"_ _1\"></span>t eller </span><span style=\"display:inherit;clear:left;\">virkelig v<span class=\"_ _1\"></span>er<span class=\"_ _1\"></span>di o<span class=\"_ _1\"></span>ver OCI pr<span class=\"_ _0\"></span>. 31/12<span class=\"_ _1\"></span>-2<span class=\"_ _1\"></span>0<span class=\"_ _1\"></span>23<span class=\"_ _243\"> </span><span class=\"ls82 ws14b\">98 094<span class=\"_ _cc\"> </span></span>11 009<span class=\"_ _86\"> </span><span class=\"ls138 ws1e5\">822<span class=\"_ _8e\"> </span></span>109 925<span class=\"_ _a2\"> </span><span class=\"ls13d ws1eb\">49<span class=\"_ _8\"></span>0<span class=\"_ _74\"> </span></span>110 4<span class=\"_ _1\"></span>15</span><span style=\"display:inherit;clear:left;\">T<span class=\"_ _0\"></span>apsnedskriving<span class=\"_ _7a\"> </span>-214<span class=\"_ _74\"> </span></span><span style=\"display:inherit;clear:left;\">-1<span class=\"_ _8\"></span>6<span class=\"_ _8\"></span>7<span class=\"_ _8e\"> </span>-1<span class=\"_ _8\"></span>9<span class=\"_ _8\"></span>8<span class=\"_ _a1\"> </span></span><span style=\"display:inherit;clear:left;\">-<span class=\"_ _8\"></span>579<span class=\"_ _3d\"> </span><span class=\"ls125 ws1cf\">-205<span class=\"_ _4a\"> </span><span class=\"ls134 ws1e1\">-7<span class=\"_ _8\"></span>8<span class=\"_ _a\"></span>4</span></span></span><span style=\"display:inherit;clear:left;\">Nett<span class=\"_ _8\"></span>o<span class=\"_ _244\"> </span><span class=\"ls0 ws0\">9<span class=\"_ _1\"></span>7 88<span class=\"_ _1\"></span>0<span class=\"_ _c7\"> </span>10 843<span class=\"_ _189\"> </span><span class=\"ls4a ws9d\">6<span class=\"_ _8\"></span>24<span class=\"_ _189\"> </span></span>109 34<span class=\"_ _2\"></span>7<span class=\"_ _15\"> </span><span class=\"ls109 ws16b\">285<span class=\"_ _6e\"> </span></span>109 631</span></span><span style=\"display:inherit;clear:left;\">Utl\u00e5n vurdert til virk<span class=\"_ _1\"></span>elig v<span class=\"_ _1\"></span>erdi o<span class=\"_ _1\"></span>v<span class=\"_ _1\"></span>er r<span class=\"_ _1\"></span>esulta<span class=\"_ _1\"></span>t<span class=\"_ _245\"> </span><span class=\"ls31 ws81\">4 59<span class=\"_ _8\"></span>1</span></span><span style=\"display:inherit;clear:left;\">Balansef<span class=\"_ _1\"></span>\u00f8rt<span class=\"_ _1\"></span>e utl\u00e5n pr<span class=\"_ _0\"></span>. 31/12-<span class=\"_ _1\"></span>20<span class=\"_ _1\"></span>23<span class=\"_ _229\"> </span>114 222</span><span style=\"display:inherit;clear:left;\">Utl\u00e5n som er kons<span class=\"_ _1\"></span>ta<span class=\"_ _1\"></span>tert tap<span class=\"_ _1\"></span>t, men som fortsa<span class=\"_ _2\"></span>tt er gjenstand f<span class=\"_ _1\"></span>or oppf<span class=\"_ _1\"></span>\u00f8lging utgj\u00f8r to<span class=\"_ _1\"></span>talt  111 millioner kr<span class=\"_ _1\"></span>oner per 31. desember 2<span class=\"_ _1\"></span>0<span class=\"_ _1\"></span>23 </span><span style=\"display:inherit;clear:left;\">og 108 millioner kr<span class=\"_ _1\"></span>oner per 31. desember 2<span class=\"_ _1\"></span>0<span class=\"_ _1\"></span>22.</span><span style=\"display:inherit;clear:left;\">K<span class=\"_ _1\"></span>ONSERN</span><span style=\"display:inherit;clear:left;\"> Sum modell- </span><span style=\"display:inherit;clear:left;\">Individuelt </span><span style=\"display:inherit;clear:left;\">Periodens be<span class=\"_ _1\"></span>v<span class=\"_ _1\"></span>eg<span class=\"_ _1\"></span>else p\u00e5 nedskrivning e<span class=\"_ _1\"></span>tter </span><span style=\"display:inherit;clear:left;\">Modellber<span class=\"_ _1\"></span>egnet</span><span style=\"display:inherit;clear:left;\">ber<span class=\"_ _1\"></span>egnet tap</span><span style=\"display:inherit;clear:left;\">vur<span class=\"_ _1\"></span>dert<span class=\"_ _a2\"> </span><span class=\"ls140 ws1ee\">To<span class=\"_ _a\"></span>t<span class=\"_ _38\"></span>a<span class=\"_ _a\"></span>l</span></span><span style=\"display:inherit;clear:left;\">IFRS 9 p\u00e5 utl\u00e5n, gar<span class=\"_ _1\"></span>antier<span class=\"_ _0\"></span>, ubenytt<span class=\"_ _1\"></span>ede kr<span class=\"_ _1\"></span>edit<span class=\"_ _1\"></span>-</span><span style=\"display:inherit;clear:left;\">ter og l\u00e5ne<span class=\"_ _1\"></span>tilsagn</span><span style=\"display:inherit;clear:left;\">Steg<span class=\"_ _8\"></span> 1<span class=\"_ _cc\"> </span>Ste<span class=\"_ _8\"></span>g 2<span class=\"_ _a3\"> </span>Ste<span class=\"_ _8\"></span>g 3<span class=\"_ _1e5\"> </span>Ste<span class=\"_ _8\"></span>g 3</span><span style=\"display:inherit;clear:left;\">T<span class=\"_ _0\"></span>apsavse<span class=\"_ _1\"></span>tning inng\u00e5<span class=\"_ _1\"></span>ende balanse <span class=\"_ _1d5\"> </span></span><span style=\"display:inherit;clear:left;\">169<span class=\"_ _ba\"> </span><span class=\"ls62 wsb6\">34<span class=\"_ _8\"></span>4<span class=\"_ _72\"> </span></span></span><span style=\"display:inherit;clear:left;\"><span class=\"ff1\">212<span class=\"_ _15\"> </span><span class=\"ls14f ws200\">72<span class=\"_ _8\"></span>5<span class=\"_ _df\"> </span></span>221<span class=\"_ _226\"> </span><span class=\"ls13b ws1e8\">946</span></span></span><span style=\"display:inherit;clear:left;\">Overf<span class=\"_ _1\"></span>\u00f8rt til 12 mnd ECL (s<span class=\"_ _1\"></span>teg 1)<span class=\"_ _16c\"> </span></span><span style=\"display:inherit;clear:left;\">80<span class=\"_ _14\"> </span></span><span style=\"display:inherit;clear:left;\">-59<span class=\"_ _8b\"> </span><span class=\"ls120 ws1cb\">-4<span class=\"_ _23f\"> </span></span></span><span style=\"display:inherit;clear:left;\">17<span class=\"_ _63\"> </span><span class=\"ls6 ws6\">-1<span class=\"_ _a\"></span>7<span class=\"_ _c8\"> </span></span>0</span><span style=\"display:inherit;clear:left;\">Overf<span class=\"_ _1\"></span>\u00f8rt til lev<span class=\"_ _1\"></span>e<span class=\"_ _1\"></span>tid ECL \u2013 ikk<span class=\"_ _1\"></span>e objektiv<span class=\"_ _1\"></span>e bevis p\u00e5 </span><span style=\"display:inherit;clear:left;\">tap (st<span class=\"_ _1\"></span>eg 2)<span class=\"_ _197\"> </span><span class=\"ls6 ws6\">-1<span class=\"_ _8\"></span>9<span class=\"_ _75\"> </span></span>63<span class=\"_ _1b\"> </span><span class=\"ls120 ws1cb\">-44<span class=\"_ _43\"> </span></span>0<span class=\"_ _21e\"> </span>0<span class=\"_ _43\"> </span>0</span><span style=\"display:inherit;clear:left;\">Overf<span class=\"_ _1\"></span>\u00f8rt til lev<span class=\"_ _1\"></span>e<span class=\"_ _1\"></span>tid ECL \u2013 objektiv<span class=\"_ _1\"></span>e be<span class=\"_ _1\"></span>vis p\u00e5 tap </span><span style=\"display:inherit;clear:left;\">(st<span class=\"_ _1\"></span>eg 3) \u2013 Modellberegne<span class=\"_ _1\"></span>t<span class=\"_ _21f\"> </span><span class=\"ls6 ws6\">-1<span class=\"_ _16\"> </span>-1<span class=\"_ _a\"></span>6<span class=\"_ _10\"> </span></span>21<span class=\"_ _21e\"> </span>4<span class=\"_ _88\"> </span><span class=\"ls120 ws1cb\">-4<span class=\"_ _21e\"> </span></span>0</span><span style=\"display:inherit;clear:left;\">Overf<span class=\"_ _1\"></span>\u00f8rt til lev<span class=\"_ _1\"></span>e<span class=\"_ _1\"></span>tid ECL \u2013 objektiv<span class=\"_ _1\"></span>e be<span class=\"_ _1\"></span>vis p\u00e5 tap </span><span style=\"display:inherit;clear:left;\">(st<span class=\"_ _1\"></span>eg 3) \u2013 Individuelt vurdert<span class=\"_ _127\"> </span>0<span class=\"_ _10\"> </span><span class=\"ls84 wsdf\">-3<span class=\"_ _10\"> </span>-3<span class=\"_ _84\"> </span></span>-6<span class=\"_ _c8\"> </span>6<span class=\"_ _21e\"> </span>0</span><span style=\"display:inherit;clear:left;\">Net<span class=\"_ _1\"></span>to n<span class=\"_ _1\"></span>y m\u00e5ling a<span class=\"_ _1\"></span>v tap<span class=\"_ _246\"> </span></span><span style=\"display:inherit;clear:left;\">-69<span class=\"_ _10\"> </span></span><span style=\"display:inherit;clear:left;\">81<span class=\"_ _21a\"> </span><span class=\"ls126 ws1d0\">58<span class=\"_ _23f\"> </span></span></span><span style=\"display:inherit;clear:left;\">71</span><span style=\"display:inherit;clear:left;\"><span class=\"_ _20d\"> </span><span class=\"ls120 ws1cb\">60<span class=\"_ _13\"> </span><span class=\"ls126 ws1d0\">1<span class=\"_ _8\"></span>31</span></span></span><span style=\"display:inherit;clear:left;\">Nye ut<span class=\"_ _1\"></span>st<span class=\"_ _1\"></span>edte eller kj\u00f8p<span class=\"_ _1\"></span>te finansielle eiendeler<span class=\"_ _e7\"> </span>117<span class=\"_ _8d\"> </span></span><span style=\"display:inherit;clear:left;\">55<span class=\"_ _3e\"> </span><span class=\"ls125 ws1cf\">26<span class=\"_ _99\"> </span><span class=\"ls6 ws6\">1<span class=\"_ _a\"></span>97<span class=\"_ _116\"> </span></span>26<span class=\"_ _15\"> </span><span class=\"ls21 ws175\">2<span class=\"_ _8\"></span>23</span></span></span><span style=\"display:inherit;clear:left;\">Finansielle eiendeler som har blitt fr<span class=\"_ _1\"></span>ar<span class=\"_ _1\"></span>egnet<span class=\"_ _110\"> </span></span><span style=\"display:inherit;clear:left;\">-81<span class=\"_ _94\"> </span></span><span style=\"display:inherit;clear:left;\">-1<span class=\"_ _8\"></span>2<span class=\"_ _8\"></span>9<span class=\"_ _98\"> </span></span><span style=\"display:inherit;clear:left;\">-62<span class=\"_ _4a\"> </span></span><span style=\"display:inherit;clear:left;\">-<span class=\"_ _8\"></span>272<span class=\"_ _25\"> </span><span class=\"ls120 ws1cb\">-<span class=\"_ _8\"></span>60<span class=\"_ _3d\"> </span><span class=\"ls9 ws9\">-333</span></span></span><span style=\"display:inherit;clear:left;\">V<span class=\"_ _2\"></span>aluta og andre bev<span class=\"_ _1\"></span>eg<span class=\"_ _1\"></span>elser<span class=\"_ _247\"> </span>4<span class=\"_ _4a\"> </span>0<span class=\"_ _4a\"> </span>0<span class=\"_ _21e\"> </span>4<span class=\"_ _c8\"> </span>6<span class=\"_ _43\"> </span>9</span><span style=\"display:inherit;clear:left;\">T<span class=\"_ _2\"></span>apsa<span class=\"_ _1\"></span>v<span class=\"_ _1\"></span>setning pr<span class=\"_ _0\"></span>. 31/12<span class=\"_ _1\"></span>-2<span class=\"_ _1\"></span>022<span class=\"_ _240\"> </span></span><span style=\"display:inherit;clear:left;\">1<span class=\"_ _8\"></span>99<span class=\"_ _74\"> </span></span><span style=\"display:inherit;clear:left;\">3<span class=\"_ _8\"></span>36<span class=\"_ _74\"> </span></span><span style=\"display:inherit;clear:left;\">205<span class=\"_ _9c\"> </span></span><span style=\"display:inherit;clear:left;\">739<span class=\"_ _9c\"> </span><span class=\"ls61 wsb5\">2<span class=\"_ _8\"></span>37<span class=\"_ _9c\"> </span>976</span></span><span style=\"display:inherit;clear:left;\">A<span class=\"_ _1\"></span>vse<span class=\"_ _1\"></span>tning p\u00e5 utl\u00e5n<span class=\"_ _32\"> </span>163<span class=\"_ _1b\"> </span></span><span style=\"display:inherit;clear:left;\">279<span class=\"_ _14\"> </span><span class=\"ls125 ws1cf\">201<span class=\"_ _a2\"> </span></span></span><span style=\"display:inherit;clear:left;\">644</span><span style=\"display:inherit;clear:left;\"><span class=\"_ _15\"> </span><span class=\"ls12c ws1d6\">236<span class=\"_ _9d\"> </span><span class=\"ls82 ws14b\">8<span class=\"_ _8\"></span>80</span></span></span><span style=\"display:inherit;clear:left;\">A<span class=\"_ _1\"></span>vse<span class=\"_ _1\"></span>tning p\u00e5 gar<span class=\"_ _1\"></span>an<span class=\"_ _1\"></span>tier<span class=\"_ _0\"></span>, ubenytte<span class=\"_ _1\"></span>t kr<span class=\"_ _1\"></span>editt sam<span class=\"_ _1\"></span>t </span><span style=\"display:inherit;clear:left;\">l\u00e5netilsagn<span class=\"_ _231\"> </span></span><span style=\"display:inherit;clear:left;\">35<span class=\"_ _8d\"> </span><span class=\"ls82 ws14b\">56<span class=\"_ _4a\"> </span></span></span><span style=\"display:inherit;clear:left;\">4<span class=\"_ _b6\"> </span><span class=\"ls133 ws1e0\">95<span class=\"_ _21e\"> </span></span>0<span class=\"_ _48\"> </span>96</span><span style=\"display:inherit;clear:left;\">Sum tapsa<span class=\"_ _1\"></span>v<span class=\"_ _1\"></span>setning<span class=\"_ _18e\"> </span></span><span style=\"display:inherit;clear:left;\">199<span class=\"_ _5d\"> </span></span><span style=\"display:inherit;clear:left;\">336<span class=\"_ _74\"> </span></span><span style=\"display:inherit;clear:left;\">205<span class=\"_ _9c\"> </span></span><span style=\"display:inherit;clear:left;\">739<span class=\"_ _9c\"> </span><span class=\"ls61 wsb5\">2<span class=\"_ _8\"></span>37<span class=\"_ _9c\"> </span>97<span class=\"_ _8\"></span>6</span></span><span style=\"display:inherit;clear:left;\">Periodens tapsk<span class=\"_ _1\"></span>os<span class=\"_ _1\"></span>tnad:</span><span style=\"display:inherit;clear:left;\">Periodens endring<span class=\"_ _1\"></span>er individuelle nedskrivning<span class=\"_ _1\"></span>er<span class=\"_ _248\"> </span>16</span><span style=\"display:inherit;clear:left;\">V<span class=\"_ _2\"></span>aluta og andre bev<span class=\"_ _1\"></span>eg<span class=\"_ _1\"></span>elser<span class=\"_ _249\"> </span>-6</span><span style=\"display:inherit;clear:left;\">Kons<span class=\"_ _1\"></span>ta<span class=\"_ _1\"></span>tert tap i perioden med tidlig<span class=\"_ _1\"></span>er<span class=\"_ _1\"></span>e individuell nedskrivning<span class=\"_ _1c9\"> </span>18</span><span style=\"display:inherit;clear:left;\">Kons<span class=\"_ _1\"></span>ta<span class=\"_ _1\"></span>tert tap i perioden ut<span class=\"_ _1\"></span>en tidliger<span class=\"_ _1\"></span>e individuell nedskrivning<span class=\"_ _139\"> </span><span class=\"ls120 ws1cb\">34</span></span><span style=\"display:inherit;clear:left;\">Inngang p\u00e5 tidliger<span class=\"_ _1\"></span>e k<span class=\"_ _1\"></span>onsta<span class=\"_ _2\"></span>terte nedskrivninger<span class=\"_ _24a\"> </span><span class=\"ls125 ws1cf\">-20</span></span><span style=\"display:inherit;clear:left;\">Net<span class=\"_ _1\"></span>to r<span class=\"_ _1\"></span>esulta<span class=\"_ _1\"></span>t<span class=\"_ _1\"></span>ef<span class=\"_ _1\"></span>f<span class=\"_ _1\"></span>ekt individuelle nedskrivninger<span class=\"_ _234\"> </span><span class=\"ls8 ws8\">42</span></span><span style=\"display:inherit;clear:left;\">Periodens endring i modellber<span class=\"_ _1\"></span>egne<span class=\"_ _1\"></span>t tap (s<span class=\"_ _1\"></span>teg 1-<span class=\"_ _1\"></span>3)<span class=\"_ _24b\"> </span>11</span><span style=\"display:inherit;clear:left;\">Periodens tapsk<span class=\"_ _1\"></span>os<span class=\"_ _1\"></span>tnad<span class=\"_ _24c\"> </span><span class=\"ls8 ws8\">52</span></span><span style=\"display:inherit;clear:left;\">Brutt<span class=\"_ _1\"></span>o utl\u00e5n vurdert til amortisert kos<span class=\"_ _1\"></span>t pr<span class=\"_ _0\"></span>. </span><span style=\"display:inherit;clear:left;\">31/12<span class=\"_ _1\"></span>-<span class=\"_ _1\"></span>20<span class=\"_ _1\"></span>22<span class=\"_ _148\"> </span>189 12<span class=\"_ _2\"></span>4<span class=\"_ _d4\"> </span>12 010<span class=\"_ _6f\"> </span><span class=\"ls4a ws9d\">7<span class=\"_ _8\"></span>76<span class=\"_ _108\"> </span><span class=\"ls126 ws1d0\">201 91<span class=\"_ _8\"></span>0<span class=\"_ _20e\"> </span></span>6<span class=\"_ _8\"></span>24<span class=\"_ _83\"> </span><span class=\"ls125 ws1cf\">202 5<span class=\"_ _8\"></span>34</span></span></span><span style=\"display:inherit;clear:left;\">T<span class=\"_ _0\"></span>apsnedskriving<span class=\"_ _71\"> </span>-<span class=\"_ _1\"></span>163<span class=\"_ _6f\"> </span></span><span style=\"display:inherit;clear:left;\">-279<span class=\"_ _9b\"> </span><span class=\"ls125 ws1cf\">-201<span class=\"_ _10\"> </span></span></span><span style=\"display:inherit;clear:left;\">-644<span class=\"_ _95\"> </span><span class=\"ls84 wsdf\">-236<span class=\"_ _96\"> </span></span>-880</span><span style=\"display:inherit;clear:left;\">Net<span class=\"_ _1\"></span>to utl\u00e5n vur<span class=\"_ _1\"></span>dert til amortisert kos<span class=\"_ _1\"></span>t i bal-</span><span style=\"display:inherit;clear:left;\">ansen<span class=\"_ _1c8\"> </span>188 961<span class=\"_ _87\"> </span>11 7<span class=\"_ _1\"></span>31<span class=\"_ _6f\"> </span></span><span style=\"display:inherit;clear:left;\">575<span class=\"_ _86\"> </span></span><span style=\"display:inherit;clear:left;\">201 267<span class=\"_ _118\"> </span><span class=\"ls132 ws1de\">3<span class=\"_ _8\"></span>87<span class=\"_ _9b\"> </span></span></span><span style=\"display:inherit;clear:left;\">201 65<span class=\"_ _1\"></span>4</span><span style=\"display:inherit;clear:left;\">Utl\u00e5n vurdert til virk<span class=\"_ _1\"></span>elig v<span class=\"_ _1\"></span>erdi o<span class=\"_ _1\"></span>v<span class=\"_ _1\"></span>er r<span class=\"_ _1\"></span>esulta<span class=\"_ _1\"></span>t<span class=\"_ _24d\"> </span>22 840</span><span style=\"display:inherit;clear:left;\">Balansef<span class=\"_ _1\"></span>\u00f8rt<span class=\"_ _1\"></span>e utl\u00e5n pr<span class=\"_ _0\"></span>. 31/12-<span class=\"_ _1\"></span>20<span class=\"_ _1\"></span>22<span class=\"_ _1f6\"> </span>22<span class=\"_ _1\"></span>4 4<span class=\"_ _1\"></span>9<span class=\"_ _1\"></span>4</span><span style=\"display:inherit;clear:left;\">Sensitivite<span class=\"_ _1\"></span>t i modell-beregnede ne<span class=\"_ _1\"></span>dskrivinger:<span class=\"_ _24e\"> </span><span class=\"ff1\">BM<span class=\"_ _117\"> </span>PM<span class=\"_ _78\"> </span>T<span class=\"_ _2\"></span>o<span class=\"_ _1\"></span>talt</span></span><span style=\"display:inherit;clear:left;\">Endring i forv<span class=\"_ _1\"></span>en<span class=\"_ _1\"></span>te<span class=\"_ _1\"></span>t tap v<span class=\"_ _1\"></span>ed 100 % v<span class=\"_ _1\"></span>ekting a<span class=\"_ _1\"></span>v nega<span class=\"_ _1\"></span>tivt scenario<span class=\"_ _23e\"> </span><span class=\"ls108 ws16a\">504<span class=\"_ _13\"> </span></span>117<span class=\"_ _25\"> </span><span class=\"lsf wsf\">62<span class=\"_ _8\"></span>1</span></span><span style=\"display:inherit;clear:left;\">Endring i forv<span class=\"_ _1\"></span>en<span class=\"_ _1\"></span>te<span class=\"_ _1\"></span>t tap v<span class=\"_ _1\"></span>ed 100 % v<span class=\"_ _1\"></span>ekting a<span class=\"_ _1\"></span>v positivt scenario<span class=\"_ _17d\"> </span></span><span style=\"display:inherit;clear:left;\">-302<span class=\"_ _117\"> </span><span class=\"ls134 ws1e1\">-7<span class=\"_ _8\"></span>0<span class=\"_ _a2\"> </span><span class=\"ls61 wsb5\">-<span class=\"_ _8\"></span>372</span></span></span><span style=\"display:inherit;clear:left;\">Endring i forv<span class=\"_ _1\"></span>en<span class=\"_ _1\"></span>te<span class=\"_ _1\"></span>t tap v<span class=\"_ _1\"></span>ed str<span class=\"_ _1\"></span>es<span class=\"_ _1\"></span>s (R\u00e5<span class=\"_ _1\"></span>-PD-er \u00f8ker med 2<span class=\"_ _1\"></span>0 % og sikkerhe<span class=\"_ _1\"></span>t<span class=\"_ _1\"></span>er  </span><span style=\"display:inherit;clear:left;\">f<span class=\"_ _1\"></span>aller med 20 %)<span class=\"_ _24f\"> </span></span><span style=\"display:inherit;clear:left;\">181<span class=\"_ _b6\"> </span><span class=\"ls125 ws1cf\">32<span class=\"_ _e7\"> </span></span></span><span style=\"display:inherit;clear:left;\">213</span><span style=\"display:inherit;clear:left;\">Endring i forv<span class=\"_ _1\"></span>en<span class=\"_ _1\"></span>te<span class=\"_ _1\"></span>t tap dersom L<span class=\"_ _2\"></span>GD reduser<span class=\"_ _1\"></span>es med 10 %<span class=\"_ _250\"> </span></span><span style=\"display:inherit;clear:left;\">-91<span class=\"_ _63\"> </span><span class=\"ls6 ws6\">-1<span class=\"_ _8\"></span>3<span class=\"_ _a2\"> </span>-1<span class=\"_ _8\"></span>0<span class=\"_ _8\"></span>4</span></span><span style=\"display:inherit;clear:left;\">Endring i forv<span class=\"_ _1\"></span>en<span class=\"_ _1\"></span>te<span class=\"_ _1\"></span>t tap dersom L<span class=\"_ _2\"></span>GD \u00f8ker med 10 %<span class=\"_ _251\"> </span><span class=\"ls126 ws1d0\">91<span class=\"_ _84\"> </span></span><span class=\"ls0\">13<span class=\"_ _9c\"> </span><span class=\"ls108 ws16a\">1<span class=\"_ _8\"></span>04</span></span></span><span style=\"display:inherit;clear:left;\">MORBANK</span><span style=\"display:inherit;clear:left;\"> Sum modell- </span><span style=\"display:inherit;clear:left;\">Individuelt </span><span style=\"display:inherit;clear:left;\">Periodens be<span class=\"_ _1\"></span>v<span class=\"_ _1\"></span>eg<span class=\"_ _1\"></span>else p\u00e5 nedskrivning  </span><span style=\"display:inherit;clear:left;\">Modellber<span class=\"_ _1\"></span>egnet</span><span style=\"display:inherit;clear:left;\">ber<span class=\"_ _1\"></span>egnet tap</span><span style=\"display:inherit;clear:left;\">vur<span class=\"_ _1\"></span>dert<span class=\"_ _a2\"> </span><span class=\"ls140 ws1ee\">To<span class=\"_ _a\"></span>t<span class=\"_ _38\"></span>a<span class=\"_ _a\"></span>l</span></span><span style=\"display:inherit;clear:left;\">et<span class=\"_ _1\"></span>ter IFRS9 p\u00e5 utl\u00e5n, g<span class=\"_ _1\"></span>ar<span class=\"_ _1\"></span>antier<span class=\"_ _0\"></span>, ubenytt<span class=\"_ _1\"></span>ede </span><span style=\"display:inherit;clear:left;\">kr<span class=\"_ _1\"></span>editt<span class=\"_ _1\"></span>er og l\u00e5ne<span class=\"_ _1\"></span>tilsagn</span><span style=\"display:inherit;clear:left;\">Steg<span class=\"_ _8\"></span> 1<span class=\"_ _cc\"> </span>Ste<span class=\"_ _8\"></span>g 2<span class=\"_ _a3\"> </span>Ste<span class=\"_ _8\"></span>g 3<span class=\"_ _1e5\"> </span>Ste<span class=\"_ _8\"></span>g 3</span><span style=\"display:inherit;clear:left;\">T<span class=\"_ _0\"></span>apsavse<span class=\"_ _1\"></span>tning inng\u00e5<span class=\"_ _1\"></span>ende balanse<span class=\"_ _227\"> </span><span class=\"ff1\">163<span class=\"_ _74\"> </span><span class=\"ls150 ws201\">320<span class=\"_ _72\"> </span><span class=\"lsf6 ws158\">201<span class=\"_ _20e\"> </span><span class=\"ls83 wsdd\">68<span class=\"_ _8\"></span>3<span class=\"_ _df\"> </span></span></span></span>221<span class=\"_ _a1\"> </span><span class=\"ls13b ws1e8\">9<span class=\"_ _8\"></span>04</span></span></span><span style=\"display:inherit;clear:left;\">Overf<span class=\"_ _1\"></span>\u00f8rt til 12 mnd ECL (s<span class=\"_ _1\"></span>teg 1)<span class=\"_ _252\"> </span></span><span style=\"display:inherit;clear:left;\">75<span class=\"_ _1a\"> </span></span><span style=\"display:inherit;clear:left;\">-54<span class=\"_ _10\"> </span><span class=\"ls84 wsdf\">-3<span class=\"_ _6a\"> </span></span></span><span style=\"display:inherit;clear:left;\">17<span class=\"_ _63\"> </span><span class=\"ls6 ws6\">-1<span class=\"_ _8\"></span>7<span class=\"_ _c8\"> </span></span>0</span><span style=\"display:inherit;clear:left;\">Overf<span class=\"_ _1\"></span>\u00f8rt til lev<span class=\"_ _1\"></span>e<span class=\"_ _1\"></span>tid ECL \u2013 ikk<span class=\"_ _1\"></span>e objektiv<span class=\"_ _1\"></span>e bevis p\u00e5 </span><span style=\"display:inherit;clear:left;\">tap (st<span class=\"_ _1\"></span>eg 2)<span class=\"_ _197\"> </span></span><span style=\"display:inherit;clear:left;\">-1<span class=\"_ _8\"></span>9<span class=\"_ _10\"> </span></span><span style=\"display:inherit;clear:left;\">61<span class=\"_ _12\"> </span><span class=\"ls8 ws8\">-42<span class=\"_ _43\"> </span></span></span><span style=\"display:inherit;clear:left;\">0<span class=\"_ _43\"> </span>0<span class=\"_ _43\"> </span>0</span><span style=\"display:inherit;clear:left;\">Overf<span class=\"_ _1\"></span>\u00f8rt til lev<span class=\"_ _1\"></span>e<span class=\"_ _1\"></span>tid ECL \u2013 objektiv<span class=\"_ _1\"></span>e be<span class=\"_ _1\"></span>vis p\u00e5 tap </span><span style=\"display:inherit;clear:left;\">(st<span class=\"_ _1\"></span>eg 3) \u2013 Modellberegne<span class=\"_ _1\"></span>t<span class=\"_ _21f\"> </span></span><span style=\"display:inherit;clear:left;\">-1<span class=\"_ _16\"> </span>-1<span class=\"_ _a\"></span>5<span class=\"_ _3e\"> </span><span class=\"ls125 ws1cf\">20<span class=\"_ _21e\"> </span></span></span><span style=\"display:inherit;clear:left;\">4<span class=\"_ _a0\"> </span><span class=\"ls120 ws1cb\">-4<span class=\"_ _21e\"> </span></span>0</span><span style=\"display:inherit;clear:left;\">Overf<span class=\"_ _1\"></span>\u00f8rt til lev<span class=\"_ _1\"></span>e<span class=\"_ _1\"></span>tid ECL \u2013 objektiv<span class=\"_ _1\"></span>e be<span class=\"_ _1\"></span>vis p\u00e5 tap </span><span style=\"display:inherit;clear:left;\">(st<span class=\"_ _1\"></span>eg 3) \u2013 Individuelt vurdert<span class=\"_ _127\"> </span>0<span class=\"_ _10\"> </span><span class=\"ls84 wsdf\">-3<span class=\"_ _10\"> </span>-3<span class=\"_ _84\"> </span></span>-6<span class=\"_ _c8\"> </span>6<span class=\"_ _21e\"> </span>0</span><span style=\"display:inherit;clear:left;\">Net<span class=\"_ _1\"></span>to n<span class=\"_ _1\"></span>y m\u00e5ling a<span class=\"_ _1\"></span>v tap<span class=\"_ _223\"> </span>-65<span class=\"_ _3e\"> </span></span><span style=\"display:inherit;clear:left;\">68<span class=\"_ _3e\"> </span></span><span style=\"display:inherit;clear:left;\">52<span class=\"_ _b6\"> </span></span><span style=\"display:inherit;clear:left;\">56<span class=\"_ _20d\"> </span><span class=\"ls120 ws1cb\">60<span class=\"_ _13\"> </span></span></span><span style=\"display:inherit;clear:left;\">116</span><span style=\"display:inherit;clear:left;\">Nye ut<span class=\"_ _1\"></span>st<span class=\"_ _1\"></span>edte eller kj\u00f8p<span class=\"_ _1\"></span>te finansielle eiendeler<span class=\"_ _e7\"> </span>113<span class=\"_ _16\"> </span></span><span style=\"display:inherit;clear:left;\">50<span class=\"_ _3e\"> </span><span class=\"ls125 ws1cf\">26<span class=\"_ _e7\"> </span><span class=\"ls135 ws1e2\">189<span class=\"_ _116\"> </span></span>26<span class=\"_ _25\"> </span></span></span><span style=\"display:inherit;clear:left;\">215</span><span style=\"display:inherit;clear:left;\">Finansielle eiendeler som har blitt fr<span class=\"_ _1\"></span>ar<span class=\"_ _1\"></span>egnet<span class=\"_ _b6\"> </span></span><span style=\"display:inherit;clear:left;\">-<span class=\"_ _8\"></span>80<span class=\"_ _94\"> </span><span class=\"ls6 ws6\">-1<span class=\"_ _8\"></span>24<span class=\"_ _14\"> </span></span>-56<span class=\"_ _96\"> </span><span class=\"ls125 ws1cf\">-26<span class=\"_ _8\"></span>0<span class=\"_ _25\"> </span><span class=\"ls120 ws1cb\">-60<span class=\"_ _3d\"> </span></span>-320</span></span><span style=\"display:inherit;clear:left;\">V<span class=\"_ _2\"></span>aluta og andre bev<span class=\"_ _1\"></span>eg<span class=\"_ _1\"></span>elser<span class=\"_ _247\"> </span>4<span class=\"_ _4a\"> </span>0<span class=\"_ _4a\"> </span>0<span class=\"_ _21e\"> </span>4<span class=\"_ _c8\"> </span>6<span class=\"_ _43\"> </span>9</span><span style=\"display:inherit;clear:left;\">T<span class=\"_ _2\"></span>apsa<span class=\"_ _1\"></span>v<span class=\"_ _1\"></span>setning pr<span class=\"_ _0\"></span>. 31/12<span class=\"_ _1\"></span>-2<span class=\"_ _1\"></span>022<span class=\"_ _24\"> </span>190<span class=\"_ _74\"> </span></span><span style=\"display:inherit;clear:left;\">303<span class=\"_ _1b\"> </span></span><span style=\"display:inherit;clear:left;\">194<span class=\"_ _15\"> </span></span><span style=\"display:inherit;clear:left;\">687<span class=\"_ _118\"> </span><span class=\"ls61 wsb5\">2<span class=\"_ _8\"></span>37<span class=\"_ _97\"> </span><span class=\"ls12c ws1d6\">923</span></span></span><span style=\"display:inherit;clear:left;\">A<span class=\"_ _1\"></span>vse<span class=\"_ _1\"></span>tning p\u00e5 utl\u00e5n<span class=\"_ _32\"> </span></span><span style=\"display:inherit;clear:left;\">155<span class=\"_ _74\"> </span></span><span style=\"display:inherit;clear:left;\">24<span class=\"_ _8\"></span>6<span class=\"_ _78\"> </span></span><span style=\"display:inherit;clear:left;\">191<span class=\"_ _15\"> </span></span><span style=\"display:inherit;clear:left;\">59<span class=\"_ _8\"></span>2<span class=\"_ _15\"> </span><span class=\"ls12c ws1d6\">236<span class=\"_ _9c\"> </span><span class=\"ls109 ws16b\">828</span></span></span><span style=\"display:inherit;clear:left;\">A<span class=\"_ _1\"></span>vse<span class=\"_ _1\"></span>tning p\u00e5 gar<span class=\"_ _1\"></span>an<span class=\"_ _1\"></span>tier<span class=\"_ _0\"></span>, ubenytte<span class=\"_ _1\"></span>t kr<span class=\"_ _1\"></span>editt sam<span class=\"_ _1\"></span>t </span><span style=\"display:inherit;clear:left;\">l\u00e5netilsagn<span class=\"_ _231\"> </span></span><span style=\"display:inherit;clear:left;\">35<span class=\"_ _8d\"> </span><span class=\"ls82 ws14b\">56<span class=\"_ _4a\"> </span></span></span><span style=\"display:inherit;clear:left;\">4<span class=\"_ _b6\"> </span><span class=\"ls133 ws1e0\">95<span class=\"_ _21e\"> </span></span>0<span class=\"_ _48\"> </span>96</span><span style=\"display:inherit;clear:left;\">Sum tapsa<span class=\"_ _1\"></span>v<span class=\"_ _1\"></span>setning<span class=\"_ _30\"> </span>190<span class=\"_ _74\"> </span></span><span style=\"display:inherit;clear:left;\">303<span class=\"_ _93\"> </span></span><span style=\"display:inherit;clear:left;\">1<span class=\"_ _8\"></span>94<span class=\"_ _15\"> </span></span><span style=\"display:inherit;clear:left;\">687<span class=\"_ _9c\"> </span><span class=\"ls61 wsb5\">2<span class=\"_ _8\"></span>37<span class=\"_ _15\"> </span><span class=\"ls12c ws1d6\">923</span></span></span><span style=\"display:inherit;clear:left;\">Periodens tapsk<span class=\"_ _1\"></span>os<span class=\"_ _1\"></span>tnad:</span><span style=\"display:inherit;clear:left;\">Periodens endring<span class=\"_ _1\"></span>er individuelle nedskrivning<span class=\"_ _1\"></span>er<span class=\"_ _248\"> </span>16</span><span style=\"display:inherit;clear:left;\">V<span class=\"_ _2\"></span>aluta og andre bev<span class=\"_ _1\"></span>eg<span class=\"_ _1\"></span>elser<span class=\"_ _249\"> </span>-6</span><span style=\"display:inherit;clear:left;\">Kons<span class=\"_ _1\"></span>ta<span class=\"_ _1\"></span>tert tap i perioden med tidlig<span class=\"_ _1\"></span>er<span class=\"_ _1\"></span>e individuell nedskrivning<span class=\"_ _1c9\"> </span>16</span><span style=\"display:inherit;clear:left;\">Kons<span class=\"_ _1\"></span>ta<span class=\"_ _1\"></span>tert tap i perioden ut<span class=\"_ _1\"></span>en tidliger<span class=\"_ _1\"></span>e individuell nedskrivning<span class=\"_ _1ba\"> </span><span class=\"ls125 ws1cf\">29</span></span><span style=\"display:inherit;clear:left;\">Inngang p\u00e5 tidliger<span class=\"_ _1\"></span>e k<span class=\"_ _1\"></span>onsta<span class=\"_ _2\"></span>terte nedskrivninger<span class=\"_ _253\"> </span><span class=\"ls6 ws6\">-1<span class=\"_ _8\"></span>9</span></span><span style=\"display:inherit;clear:left;\">Net<span class=\"_ _1\"></span>to r<span class=\"_ _1\"></span>esulta<span class=\"_ _1\"></span>t<span class=\"_ _1\"></span>ef<span class=\"_ _1\"></span>f<span class=\"_ _1\"></span>ekt individuelle nedskrivninger<span class=\"_ _254\"> </span><span class=\"ls12c ws1d6\">36</span></span><span style=\"display:inherit;clear:left;\">Periodens endring i modellber<span class=\"_ _1\"></span>egne<span class=\"_ _1\"></span>t tap (s<span class=\"_ _1\"></span>teg 1-<span class=\"_ _1\"></span>3)<span class=\"_ _234\"> </span>0</span><span style=\"display:inherit;clear:left;\">Periodens tapsk<span class=\"_ _1\"></span>os<span class=\"_ _1\"></span>tnad<span class=\"_ _239\"> </span><span class=\"ls135 ws1e2\">36</span></span><span style=\"display:inherit;clear:left;\">Brutt<span class=\"_ _1\"></span>o utl\u00e5n vurdert til amortisert kos<span class=\"_ _1\"></span>t eller </span><span style=\"display:inherit;clear:left;\">virkelig v<span class=\"_ _1\"></span>er<span class=\"_ _1\"></span>di o<span class=\"_ _1\"></span>ver OCI pr<span class=\"_ _0\"></span>. 31/12<span class=\"_ _1\"></span>-2<span class=\"_ _1\"></span>0<span class=\"_ _1\"></span>22<span class=\"_ _f9\"> </span></span><span style=\"display:inherit;clear:left;\">83 568<span class=\"_ _87\"> </span></span><span style=\"display:inherit;clear:left;\">8 46<span class=\"_ _8\"></span>1<span class=\"_ _65\"> </span><span class=\"ls12c ws1d6\">6<span class=\"_ _8\"></span>36<span class=\"_ _74\"> </span></span></span><span style=\"display:inherit;clear:left;\">92 665<span class=\"_ _97\"> </span><span class=\"ls21 ws175\">6<span class=\"_ _8\"></span>23<span class=\"_ _5d\"> </span></span>93 288</span><span style=\"display:inherit;clear:left;\">T<span class=\"_ _0\"></span>apsnedskriving<span class=\"_ _71\"> </span></span><span style=\"display:inherit;clear:left;\">-1<span class=\"_ _8\"></span>5<span class=\"_ _8\"></span>5<span class=\"_ _86\"> </span><span class=\"ls4a ws9d\">-<span class=\"_ _8\"></span>246<span class=\"_ _6e\"> </span></span>-1<span class=\"_ _a\"></span>9<span class=\"_ _8\"></span>1<span class=\"_ _95\"> </span></span><span style=\"display:inherit;clear:left;\">-<span class=\"_ _8\"></span>592<span class=\"_ _95\"> </span><span class=\"ls84 wsdf\">-236<span class=\"_ _95\"> </span><span class=\"ls109 ws16b\">-<span class=\"_ _8\"></span>828</span></span></span><span style=\"display:inherit;clear:left;\">Nett<span class=\"_ _8\"></span>o<span class=\"_ _255\"> </span></span><span style=\"display:inherit;clear:left;\">83 4<span class=\"_ _2\"></span>13<span class=\"_ _83\"> </span>8 214<span class=\"_ _6b\"> </span></span><span style=\"display:inherit;clear:left;\">445<span class=\"_ _1b\"> </span></span><span style=\"display:inherit;clear:left;\">9<span class=\"_ _8\"></span>2<span class=\"_ _8\"></span> 07<span class=\"_ _8\"></span>3<span class=\"_ _df\"> </span><span class=\"ls132 ws1de\">3<span class=\"_ _8\"></span>87<span class=\"_ _94\"> </span><span class=\"lsf6 ws158\">92<span class=\"_ _8\"></span> 460</span></span></span><span style=\"display:inherit;clear:left;\">Utl\u00e5n vurdert til virk<span class=\"_ _1\"></span>elig v<span class=\"_ _1\"></span>erdi o<span class=\"_ _1\"></span>v<span class=\"_ _1\"></span>er r<span class=\"_ _1\"></span>esulta<span class=\"_ _1\"></span>t<span class=\"_ _256\"> </span><span class=\"ls6 ws6\">4<span class=\"_ _8\"></span> 7<span class=\"_ _8\"></span>97</span></span><span style=\"display:inherit;clear:left;\">Balansef<span class=\"_ _1\"></span>\u00f8rt<span class=\"_ _1\"></span>e utl\u00e5n pr<span class=\"_ _0\"></span>. 31/12-<span class=\"_ _1\"></span>20<span class=\"_ _1\"></span>22<span class=\"_ _230\"> </span><span class=\"ls61 wsb5\">97<span class=\"_ _8\"></span> 2<span class=\"_ _8\"></span>5<span class=\"_ _8\"></span>8</span></span><span style=\"display:inherit;clear:left;\">No<span class=\"_ _1\"></span>te 1<span class=\"_ _1\"></span>4 Nedskriv<span class=\"_ _8\"></span>ing p\u00e5 u<span class=\"_ _1\"></span>tl\u00e5n, garantie<span class=\"_ _1\"></span>r<span class=\"_ _2\"></span>, ubenyt<span class=\"_ _8\"></span>ted<span class=\"_ _1\"></span>e k<span class=\"_ _8\"></span>reditte<span class=\"_ _1\"></span>r samt l<span class=\"_ _1\"></span>\u00e5netilsagn \u2013 segment</span><span style=\"display:inherit;clear:left;\">K<span class=\"_ _1\"></span>ONSERN</span><span style=\"display:inherit;clear:left;\"> Sum modell- </span><span style=\"display:inherit;clear:left;\">Individuelt </span><span style=\"display:inherit;clear:left;\">2023<span class=\"_ _1b7\"> </span><span class=\"ls0 ws0\">Modellber<span class=\"_ _1\"></span>egne<span class=\"_ _1\"></span>t</span></span><span style=\"display:inherit;clear:left;\">ber<span class=\"_ _1\"></span>egnet tap</span><span style=\"display:inherit;clear:left;\">vur<span class=\"_ _1\"></span>dert<span class=\"_ _a2\"> </span><span class=\"ls140 ws1ee\">To<span class=\"_ _a\"></span>t<span class=\"_ _38\"></span>a<span class=\"_ _a\"></span>l</span></span><span style=\"display:inherit;clear:left;\">BEDRIFTSMARKED<span class=\"_ _14c\"> </span><span class=\"ls125 ws1cf\">Ste<span class=\"_ _8\"></span>g 1<span class=\"_ _cc\"> </span>S<span class=\"_ _8\"></span>teg<span class=\"_ _8\"></span> 2<span class=\"_ _a8\"> </span>Ste<span class=\"_ _8\"></span>g 3<span class=\"_ _1e5\"> </span>Ste<span class=\"_ _8\"></span>g 3</span></span><span style=\"display:inherit;clear:left;\">T<span class=\"_ _0\"></span>apsavse<span class=\"_ _1\"></span>tning inng\u00e5<span class=\"_ _1\"></span>ende balanse<span class=\"_ _a6\"> </span></span><span style=\"display:inherit;clear:left;\">1<span class=\"_ _8\"></span>72<span class=\"_ _1b\"> </span><span class=\"ls12a ws1d4\">278<span class=\"_ _74\"> </span></span></span><span style=\"display:inherit;clear:left;\">177<span class=\"_ _9d\"> </span></span><span style=\"display:inherit;clear:left;\">628<span class=\"_ _15\"> </span><span class=\"ls8 ws8\">2<span class=\"_ _8\"></span>27<span class=\"_ _97\"> </span><span class=\"ls82 ws14b\">855</span></span></span><span style=\"display:inherit;clear:left;\">Overf<span class=\"_ _1\"></span>\u00f8rt til 12 mnd ECL (s<span class=\"_ _1\"></span>teg 1)<span class=\"_ _257\"> </span></span><span style=\"display:inherit;clear:left;\">73<span class=\"_ _14\"> </span><span class=\"ls120 ws1cb\">-66<span class=\"_ _78\"> </span></span></span><span style=\"display:inherit;clear:left;\">-8<span class=\"_ _21e\"> </span>0<span class=\"_ _43\"> </span>0<span class=\"_ _21e\"> </span>0</span><span style=\"display:inherit;clear:left;\">Overf<span class=\"_ _1\"></span>\u00f8rt til lev<span class=\"_ _1\"></span>e<span class=\"_ _1\"></span>tid ECL \u2013 ikk<span class=\"_ _1\"></span>e objektiv<span class=\"_ _1\"></span>e bevis p\u00e5 </span><span style=\"display:inherit;clear:left;\">tap (st<span class=\"_ _1\"></span>eg 2)<span class=\"_ _231\"> </span></span><span style=\"display:inherit;clear:left;\">-1<span class=\"_ _a\"></span>9<span class=\"_ _21a\"> </span></span><span style=\"display:inherit;clear:left;\">30<span class=\"_ _17\"> </span><span class=\"ls120 ws1cb\">-4<span class=\"_ _10d\"> </span></span></span><span style=\"display:inherit;clear:left;\">7<span class=\"_ _64\"> </span><span class=\"ls134 ws1e1\">-7<span class=\"_ _c8\"> </span></span>0</span><span style=\"display:inherit;clear:left;\">Overf<span class=\"_ _1\"></span>\u00f8rt til lev<span class=\"_ _1\"></span>e<span class=\"_ _1\"></span>tid ECL \u2013 objektiv<span class=\"_ _1\"></span>e be<span class=\"_ _1\"></span>vis p\u00e5 tap </span><span style=\"display:inherit;clear:left;\">(st<span class=\"_ _1\"></span>eg 3) \u2013 Modellberegne<span class=\"_ _1\"></span>t<span class=\"_ _223\"> </span>0<span class=\"_ _14\"> </span></span><span style=\"display:inherit;clear:left;\">-25<span class=\"_ _98\"> </span><span class=\"ls109 ws16b\">28<span class=\"_ _c8\"> </span></span></span><span style=\"display:inherit;clear:left;\">3<span class=\"_ _23f\"> </span><span class=\"ls84 wsdf\">-3<span class=\"_ _c8\"> </span></span>0</span><span style=\"display:inherit;clear:left;\">Overf<span class=\"_ _1\"></span>\u00f8rt til lev<span class=\"_ _1\"></span>e<span class=\"_ _1\"></span>tid ECL \u2013 objektiv<span class=\"_ _1\"></span>e be<span class=\"_ _1\"></span>vis p\u00e5 tap </span><span style=\"display:inherit;clear:left;\">(st<span class=\"_ _1\"></span>eg 3) \u2013 Individuelt vurdert<span class=\"_ _233\"> </span>0<span class=\"_ _78\"> </span><span class=\"ls6 ws6\">-1<span class=\"_ _a\"></span>2<span class=\"_ _16\"> </span></span>-8<span class=\"_ _10c\"> </span><span class=\"ls84 wsdf\">-2<span class=\"_ _8\"></span>1<span class=\"_ _84\"> </span></span>21<span class=\"_ _21e\"> </span>0</span><span style=\"display:inherit;clear:left;\">Net<span class=\"_ _1\"></span>to n<span class=\"_ _1\"></span>y m\u00e5ling a<span class=\"_ _1\"></span>v tap<span class=\"_ _23b\"> </span></span><span style=\"display:inherit;clear:left;\">-1<span class=\"_ _8\"></span>6<span class=\"_ _16\"> </span>-1<span class=\"_ _a\"></span>6<span class=\"_ _14\"> </span><span class=\"ls120 ws1cb\">34<span class=\"_ _c8\"> </span></span></span><span style=\"display:inherit;clear:left;\">2<span class=\"_ _118\"> </span>190<span class=\"_ _e7\"> </span><span class=\"lsf6 ws158\">192</span></span><span style=\"display:inherit;clear:left;\">Nye ut<span class=\"_ _1\"></span>st<span class=\"_ _1\"></span>edte eller kj\u00f8p<span class=\"_ _1\"></span>te finansielle eiendeler<span class=\"_ _48\"> </span></span><span style=\"display:inherit;clear:left;\">1<span class=\"_ _8\"></span>31<span class=\"_ _8d\"> </span></span><span style=\"display:inherit;clear:left;\">50<span class=\"_ _14\"> </span></span><span style=\"display:inherit;clear:left;\">28<span class=\"_ _97\"> </span><span class=\"ls125 ws1cf\">20<span class=\"_ _8\"></span>9<span class=\"_ _a0\"> </span></span></span><span style=\"display:inherit;clear:left;\">19<span class=\"_ _9c\"> </span><span class=\"ls13 ws13\">2<span class=\"_ _8\"></span>27</span></span><span style=\"display:inherit;clear:left;\">Finansielle eiendeler som har blitt fr<span class=\"_ _1\"></span>ar<span class=\"_ _1\"></span>egnet<span class=\"_ _c8\"> </span></span><span style=\"display:inherit;clear:left;\">-7<span class=\"_ _a\"></span>7<span class=\"_ _11\"> </span></span><span style=\"display:inherit;clear:left;\">-58<span class=\"_ _ba\"> </span></span><span style=\"display:inherit;clear:left;\">-46<span class=\"_ _118\"> </span></span><span style=\"display:inherit;clear:left;\">-1<span class=\"_ _8\"></span>8<span class=\"_ _8\"></span>1<span class=\"_ _95\"> </span><span class=\"ls4a ws9d\">-<span class=\"_ _8\"></span>249<span class=\"_ _66\"> </span><span class=\"ls12c ws1d6\">-430</span></span></span><span style=\"display:inherit;clear:left;\">V<span class=\"_ _2\"></span>aluta og andre bev<span class=\"_ _1\"></span>eg<span class=\"_ _1\"></span>elser<span class=\"_ _1ce\"> </span>0<span class=\"_ _4a\"> </span>0<span class=\"_ _8b\"> </span>0<span class=\"_ _43\"> </span>0<span class=\"_ _69\"> </span>1<span class=\"_ _67\"> </span>1</span><span style=\"display:inherit;clear:left;\">T<span class=\"_ _2\"></span>apsa<span class=\"_ _1\"></span>v<span class=\"_ _1\"></span>setning pr<span class=\"_ _0\"></span>. 31/12<span class=\"_ _1\"></span>-2<span class=\"_ _1\"></span>02<span class=\"_ _1\"></span>3<span class=\"_ _b5\"> </span></span><span style=\"display:inherit;clear:left;\">26<span class=\"_ _8\"></span>4<span class=\"_ _11\"> </span><span class=\"ls82 ws14b\">181<span class=\"_ _6e\"> </span></span>201<span class=\"_ _20e\"> </span></span><span style=\"display:inherit;clear:left;\">6<span class=\"_ _a\"></span>47<span class=\"_ _25\"> </span><span class=\"ls82 ws14b\">198<span class=\"_ _226\"> </span>8<span class=\"_ _8\"></span>45</span></span><span style=\"display:inherit;clear:left;\"> Sum modell- </span><span style=\"display:inherit;clear:left;\">Individuelt </span><span style=\"display:inherit;clear:left;\">Modellber<span class=\"_ _1\"></span>egnet</span><span style=\"display:inherit;clear:left;\">ber<span class=\"_ _1\"></span>egnet tap</span><span style=\"display:inherit;clear:left;\">vur<span class=\"_ _1\"></span>dert<span class=\"_ _a2\"> </span><span class=\"ls140 ws1ee\">To<span class=\"_ _a\"></span>t<span class=\"_ _38\"></span>a<span class=\"_ _a\"></span>l</span></span><span style=\"display:inherit;clear:left;\">PRIV<span class=\"_ _2\"></span>A<span class=\"_ _2\"></span>TMARKED<span class=\"_ _f5\"> </span><span class=\"ls125 ws1cf\">S<span class=\"_ _8\"></span>teg<span class=\"_ _8\"></span> 1<span class=\"_ _cc\"> </span>Steg<span class=\"_ _8\"></span> 2<span class=\"_ _a8\"> </span>S<span class=\"_ _8\"></span>teg<span class=\"_ _8\"></span> 3<span class=\"_ _1e5\"> </span>Steg<span class=\"_ _8\"></span> 3</span></span><span style=\"display:inherit;clear:left;\">T<span class=\"_ _0\"></span>apsavse<span class=\"_ _1\"></span>tning inng\u00e5<span class=\"_ _1\"></span>ende balanse <span class=\"_ _219\"> </span></span><span style=\"display:inherit;clear:left;\">26<span class=\"_ _75\"> </span></span><span style=\"display:inherit;clear:left;\">57<span class=\"_ _14\"> </span><span class=\"ls8 ws8\">27<span class=\"_ _99\"> </span></span></span><span style=\"display:inherit;clear:left;\"><span class=\"ff1\">110<span class=\"_ _49\"> </span>10<span class=\"_ _118\"> </span><span class=\"lsf6 ws158\">120</span></span></span><span style=\"display:inherit;clear:left;\">Overf<span class=\"_ _1\"></span>\u00f8rt til 12 mnd ECL (s<span class=\"_ _1\"></span>teg 1)<span class=\"_ _124\"> </span>19<span class=\"_ _16\"> </span></span><span style=\"display:inherit;clear:left;\">-1<span class=\"_ _a\"></span>7<span class=\"_ _8d\"> </span><span class=\"ls84 wsdf\">-2<span class=\"_ _43\"> </span></span></span><span style=\"display:inherit;clear:left;\">0<span class=\"_ _21e\"> </span>0<span class=\"_ _43\"> </span>0</span><span style=\"display:inherit;clear:left;\">Overf<span class=\"_ _1\"></span>\u00f8rt til lev<span class=\"_ _1\"></span>e<span class=\"_ _1\"></span>tid ECL \u2013 ikk<span class=\"_ _1\"></span>e objektiv<span class=\"_ _1\"></span>e bevis p\u00e5 </span><span style=\"display:inherit;clear:left;\">tap (st<span class=\"_ _1\"></span>eg 2)<span class=\"_ _136\"> </span><span class=\"ls84 wsdf\">-2<span class=\"_ _4a\"> </span></span>4<span class=\"_ _16\"> </span><span class=\"ls84 wsdf\">-2<span class=\"_ _43\"> </span></span>0<span class=\"_ _21e\"> </span>0<span class=\"_ _43\"> </span>0</span><span style=\"display:inherit;clear:left;\">Overf<span class=\"_ _1\"></span>\u00f8rt til lev<span class=\"_ _1\"></span>e<span class=\"_ _1\"></span>tid ECL \u2013 objektiv<span class=\"_ _1\"></span>e be<span class=\"_ _1\"></span>vis p\u00e5 tap </span><span style=\"display:inherit;clear:left;\">(st<span class=\"_ _1\"></span>eg 3) \u2013 Modellberegne<span class=\"_ _1\"></span>t<span class=\"_ _223\"> </span>0<span class=\"_ _10\"> </span><span class=\"ls84 wsdf\">-2<span class=\"_ _10\"> </span></span>2<span class=\"_ _21e\"> </span>0<span class=\"_ _43\"> </span>0<span class=\"_ _21e\"> </span>0</span><span style=\"display:inherit;clear:left;\">Overf<span class=\"_ _1\"></span>\u00f8rt til lev<span class=\"_ _1\"></span>e<span class=\"_ _1\"></span>tid ECL \u2013 objektiv<span class=\"_ _1\"></span>e be<span class=\"_ _1\"></span>vis p\u00e5 tap </span><span style=\"display:inherit;clear:left;\">(st<span class=\"_ _1\"></span>eg 3) \u2013 Individuelt vurdert<span class=\"_ _233\"> </span>0<span class=\"_ _4a\"> </span>0<span class=\"_ _8b\"> </span>0<span class=\"_ _43\"> </span>0<span class=\"_ _43\"> </span>0<span class=\"_ _21e\"> </span>0</span><span style=\"display:inherit;clear:left;\">Net<span class=\"_ _1\"></span>to n<span class=\"_ _1\"></span>y m\u00e5ling a<span class=\"_ _1\"></span>v tap<span class=\"_ _13e\"> </span>4<span class=\"_ _21a\"> </span></span><span style=\"display:inherit;clear:left;\">35<span class=\"_ _14\"> </span></span><span style=\"display:inherit;clear:left;\">38<span class=\"_ _49\"> </span><span class=\"ls61 wsb5\">78<span class=\"_ _69\"> </span></span></span><span style=\"display:inherit;clear:left;\">1<span class=\"_ _116\"> </span><span class=\"lsfc ws15e\">79</span></span><span style=\"display:inherit;clear:left;\">Nye ut<span class=\"_ _1\"></span>st<span class=\"_ _1\"></span>edte eller kj\u00f8p<span class=\"_ _1\"></span>te finansielle eiendeler<span class=\"_ _84\"> </span><span class=\"ls13 ws13\">27<span class=\"_ _68\"> </span></span>9<span class=\"_ _10\"> </span>3<span class=\"_ _b6\"> </span><span class=\"ls136 ws1e3\">39<span class=\"_ _43\"> </span></span>0<span class=\"_ _b6\"> </span><span class=\"ls136 ws1e3\">39</span></span><span style=\"display:inherit;clear:left;\">Finansielle eiendeler som har blitt fr<span class=\"_ _1\"></span>ar<span class=\"_ _1\"></span>egnet<span class=\"_ _209\"> </span></span><span style=\"display:inherit;clear:left;\">-1<span class=\"_ _a\"></span>9<span class=\"_ _16\"> </span><span class=\"ls84 wsdf\">-21<span class=\"_ _12\"> </span></span>-1<span class=\"_ _8\"></span>3<span class=\"_ _99\"> </span></span><span style=\"display:inherit;clear:left;\">-53<span class=\"_ _23f\"> </span><span class=\"ls84 wsdf\">-3<span class=\"_ _e7\"> </span><span class=\"ls82 ws14b\">-56</span></span></span><span style=\"display:inherit;clear:left;\">V<span class=\"_ _2\"></span>aluta og andre bev<span class=\"_ _1\"></span>eg<span class=\"_ _1\"></span>elser<span class=\"_ _1ce\"> </span>0<span class=\"_ _4a\"> </span>0<span class=\"_ _8b\"> </span>0<span class=\"_ _43\"> </span>0<span class=\"_ _43\"> </span>0<span class=\"_ _21e\"> </span>0</span><span style=\"display:inherit;clear:left;\">T<span class=\"_ _2\"></span>apsa<span class=\"_ _1\"></span>v<span class=\"_ _1\"></span>setning pr<span class=\"_ _0\"></span>. 31/12<span class=\"_ _1\"></span>-2<span class=\"_ _1\"></span>02<span class=\"_ _1\"></span>3<span class=\"_ _23\"> </span></span><span style=\"display:inherit;clear:left;\">55<span class=\"_ _16\"> </span></span><span style=\"display:inherit;clear:left;\">66<span class=\"_ _1a\"> </span></span><span style=\"display:inherit;clear:left;\">54<span class=\"_ _e7\"> </span><span class=\"lsb wsb\">175<span class=\"_ _c8\"> </span></span></span><span style=\"display:inherit;clear:left;\">8<span class=\"_ _99\"> </span><span class=\"ls82 ws14b\">1<span class=\"_ _8\"></span>81</span></span><span style=\"display:inherit;clear:left;\">Sum nedskriving p\u00e5 utl\u00e5n, gar<span class=\"_ _1\"></span>an<span class=\"_ _1\"></span>tier<span class=\"_ _2\"></span>, </span><span style=\"display:inherit;clear:left;\">ubenyt<span class=\"_ _1\"></span>tede kr<span class=\"_ _2\"></span>editter samt l\u00e5ne<span class=\"_ _1\"></span>tilsagn<span class=\"_ _ed\"> </span></span><span style=\"display:inherit;clear:left;\">319<span class=\"_ _5d\"> </span></span><span style=\"display:inherit;clear:left;\">2<span class=\"_ _8\"></span>47<span class=\"_ _6f\"> </span></span><span style=\"display:inherit;clear:left;\">255<span class=\"_ _df\"> </span></span><span style=\"display:inherit;clear:left;\">82<span class=\"_ _8\"></span>1<span class=\"_ _226\"> </span><span class=\"lsf6 ws158\">20<span class=\"_ _8\"></span>6<span class=\"_ _75\"> </span>1<span class=\"_ _8\"></span> 026</span></span><span style=\"display:inherit;clear:left;\">K<span class=\"_ _1\"></span>ONSERN</span><span style=\"display:inherit;clear:left;\"> Sum modell- </span><span style=\"display:inherit;clear:left;\">Individuelt </span><span style=\"display:inherit;clear:left;\">2022<span class=\"_ _1b7\"> </span><span class=\"ls0 ws0\">Modellber<span class=\"_ _2\"></span>egnet</span></span><span style=\"display:inherit;clear:left;\">ber<span class=\"_ _1\"></span>egnet tap</span><span style=\"display:inherit;clear:left;\">vur<span class=\"_ _1\"></span>dert<span class=\"_ _a2\"> </span><span class=\"ls140 ws1ee\">To<span class=\"_ _a\"></span>t<span class=\"_ _38\"></span>a<span class=\"_ _a\"></span>l</span></span><span style=\"display:inherit;clear:left;\">BEDRIFTSMARKED<span class=\"_ _14c\"> </span><span class=\"ls125 ws1cf\">Ste<span class=\"_ _8\"></span>g 1<span class=\"_ _cc\"> </span>S<span class=\"_ _8\"></span>teg<span class=\"_ _8\"></span> 2<span class=\"_ _a8\"> </span>Ste<span class=\"_ _8\"></span>g 3<span class=\"_ _1e5\"> </span>Ste<span class=\"_ _8\"></span>g 3</span></span><span style=\"display:inherit;clear:left;\">T<span class=\"_ _0\"></span>apsavse<span class=\"_ _1\"></span>tning inng\u00e5<span class=\"_ _1\"></span>ende balanse<span class=\"_ _a7\"> </span></span><span style=\"display:inherit;clear:left;\">1<span class=\"_ _8\"></span>53<span class=\"_ _94\"> </span></span><span style=\"display:inherit;clear:left;\">300<span class=\"_ _94\"> </span></span><span style=\"display:inherit;clear:left;\">176<span class=\"_ _25\"> </span></span><span style=\"display:inherit;clear:left;\">631<span class=\"_ _9d\"> </span><span class=\"lsf6 ws158\">20<span class=\"_ _8\"></span>6<span class=\"_ _20e\"> </span><span class=\"ls92 wsee\">835</span></span></span><span style=\"display:inherit;clear:left;\">Overf<span class=\"_ _1\"></span>\u00f8rt til 12 mnd ECL (s<span class=\"_ _1\"></span>teg 1)<span class=\"_ _257\"> </span></span><span style=\"display:inherit;clear:left;\">72<span class=\"_ _14\"> </span></span><span style=\"display:inherit;clear:left;\">-<span class=\"_ _8\"></span>52<span class=\"_ _16\"> </span><span class=\"ls84 wsdf\">-2<span class=\"_ _6a\"> </span></span></span><span style=\"display:inherit;clear:left;\">17<span class=\"_ _63\"> </span><span class=\"ls6 ws6\">-1<span class=\"_ _a\"></span>7<span class=\"_ _c8\"> </span></span>0</span><span style=\"display:inherit;clear:left;\">Overf<span class=\"_ _1\"></span>\u00f8rt til lev<span class=\"_ _1\"></span>e<span class=\"_ _1\"></span>tid ECL \u2013 ikk<span class=\"_ _1\"></span>e objektiv<span class=\"_ _1\"></span>e bevis p\u00e5 </span><span style=\"display:inherit;clear:left;\">tap (st<span class=\"_ _1\"></span>eg 2)<span class=\"_ _231\"> </span></span><span style=\"display:inherit;clear:left;\">-1<span class=\"_ _a\"></span>8<span class=\"_ _75\"> </span></span><span style=\"display:inherit;clear:left;\">58<span class=\"_ _108\"> </span><span class=\"ls133 ws1e0\">-40<span class=\"_ _43\"> </span></span></span><span style=\"display:inherit;clear:left;\">0<span class=\"_ _43\"> </span>0<span class=\"_ _21e\"> </span>0</span><span style=\"display:inherit;clear:left;\">Overf<span class=\"_ _1\"></span>\u00f8rt til lev<span class=\"_ _1\"></span>e<span class=\"_ _1\"></span>tid ECL \u2013 objektiv<span class=\"_ _1\"></span>e be<span class=\"_ _1\"></span>vis p\u00e5 tap </span><span style=\"display:inherit;clear:left;\">(st<span class=\"_ _1\"></span>eg 3) \u2013 Modellberegne<span class=\"_ _1\"></span>t<span class=\"_ _232\"> </span><span class=\"ls6 ws6\">-1<span class=\"_ _78\"> </span>-1<span class=\"_ _8\"></span>4<span class=\"_ _16\"> </span></span>19<span class=\"_ _21e\"> </span>4<span class=\"_ _88\"> </span><span class=\"ls120 ws1cb\">-4<span class=\"_ _43\"> </span></span>0</span><span style=\"display:inherit;clear:left;\">Overf<span class=\"_ _1\"></span>\u00f8rt til lev<span class=\"_ _1\"></span>e<span class=\"_ _1\"></span>tid ECL \u2013 objektiv<span class=\"_ _1\"></span>e be<span class=\"_ _1\"></span>vis p\u00e5 tap </span><span style=\"display:inherit;clear:left;\">(st<span class=\"_ _1\"></span>eg 3) \u2013 Individuelt vurdert<span class=\"_ _233\"> </span>0<span class=\"_ _9a\"> </span><span class=\"ls84 wsdf\">-3<span class=\"_ _8d\"> </span>-3<span class=\"_ _84\"> </span></span>-6<span class=\"_ _c8\"> </span>6<span class=\"_ _21e\"> </span>0</span><span style=\"display:inherit;clear:left;\">Net<span class=\"_ _1\"></span>to n<span class=\"_ _1\"></span>y m\u00e5ling a<span class=\"_ _1\"></span>v tap<span class=\"_ _23e\"> </span>-64<span class=\"_ _8b\"> </span></span><span style=\"display:inherit;clear:left;\">61<span class=\"_ _14\"> </span><span class=\"ls13e ws1ec\">47<span class=\"_ _20d\"> </span></span></span><span style=\"display:inherit;clear:left;\">44</span><span style=\"display:inherit;clear:left;\"><span class=\"_ _48\"> </span><span class=\"ls126 ws1d0\">58<span class=\"_ _25\"> </span><span class=\"lsf6 ws158\">1<span class=\"_ _8\"></span>02</span></span></span><span style=\"display:inherit;clear:left;\">Nye ut<span class=\"_ _1\"></span>st<span class=\"_ _1\"></span>edte eller kj\u00f8p<span class=\"_ _1\"></span>te finansielle eiendeler<span class=\"_ _99\"> </span>106<span class=\"_ _17\"> </span>44<span class=\"_ _12\"> </span></span><span style=\"display:inherit;clear:left;\">24<span class=\"_ _117\"> </span></span><span style=\"display:inherit;clear:left;\">1<span class=\"_ _a\"></span>74<span class=\"_ _49\"> </span><span class=\"ls125 ws1cf\">26<span class=\"_ _20e\"> </span>200</span></span><span style=\"display:inherit;clear:left;\">Finansielle eiendeler som har blitt fr<span class=\"_ _1\"></span>ar<span class=\"_ _1\"></span>egnet<span class=\"_ _c8\"> </span><span class=\"ls134 ws1e1\">-7<span class=\"_ _8\"></span>6<span class=\"_ _1a\"> </span></span>-<span class=\"_ _1\"></span>116<span class=\"_ _6f\"> </span></span><span style=\"display:inherit;clear:left;\">-44<span class=\"_ _3d\"> </span></span><span style=\"display:inherit;clear:left;\">-23<span class=\"_ _8\"></span>6<span class=\"_ _e7\"> </span><span class=\"ls138 ws1e5\">-52<span class=\"_ _95\"> </span><span class=\"ls109 ws16b\">-28<span class=\"_ _8\"></span>8</span></span></span><span style=\"display:inherit;clear:left;\">V<span class=\"_ _2\"></span>aluta og andre bev<span class=\"_ _1\"></span>eg<span class=\"_ _1\"></span>elser<span class=\"_ _1ce\"> </span>0<span class=\"_ _4a\"> </span>0<span class=\"_ _8b\"> </span>0<span class=\"_ _43\"> </span>0<span class=\"_ _21e\"> </span>4<span class=\"_ _21e\"> </span>4</span><span style=\"display:inherit;clear:left;\">T<span class=\"_ _2\"></span>apsa<span class=\"_ _1\"></span>v<span class=\"_ _1\"></span>setning pr<span class=\"_ _0\"></span>. 31/12<span class=\"_ _1\"></span>-2<span class=\"_ _1\"></span>022<span class=\"_ _258\"> </span></span><span style=\"display:inherit;clear:left;\">1<span class=\"_ _8\"></span>72<span class=\"_ _1b\"> </span><span class=\"ls12a ws1d4\">278<span class=\"_ _74\"> </span></span></span><span style=\"display:inherit;clear:left;\">177<span class=\"_ _9d\"> </span></span><span style=\"display:inherit;clear:left;\">628<span class=\"_ _15\"> </span><span class=\"ls8 ws8\">2<span class=\"_ _8\"></span>27<span class=\"_ _97\"> </span><span class=\"ls82 ws14b\">855</span></span></span><span style=\"display:inherit;clear:left;\"> Sum modell- </span><span style=\"display:inherit;clear:left;\">Individuelt </span><span style=\"display:inherit;clear:left;\">Modellber<span class=\"_ _1\"></span>egnet</span><span style=\"display:inherit;clear:left;\">ber<span class=\"_ _1\"></span>egnet tap</span><span style=\"display:inherit;clear:left;\">vur<span class=\"_ _1\"></span>dert<span class=\"_ _a2\"> </span><span class=\"ls140 ws1ee\">To<span class=\"_ _a\"></span>t<span class=\"_ _38\"></span>a<span class=\"_ _a\"></span>l</span></span><span style=\"display:inherit;clear:left;\">PRIV<span class=\"_ _2\"></span>A<span class=\"_ _2\"></span>TMARKED<span class=\"_ _f5\"> </span><span class=\"ls125 ws1cf\">S<span class=\"_ _8\"></span>teg<span class=\"_ _8\"></span> 1<span class=\"_ _cc\"> </span>Steg<span class=\"_ _8\"></span> 2<span class=\"_ _a8\"> </span>S<span class=\"_ _8\"></span>teg<span class=\"_ _8\"></span> 3<span class=\"_ _1e5\"> </span>Steg<span class=\"_ _8\"></span> 3</span></span><span style=\"display:inherit;clear:left;\">T<span class=\"_ _0\"></span>apsavse<span class=\"_ _1\"></span>tning inng\u00e5<span class=\"_ _1\"></span>ende balanse <span class=\"_ _22d\"> </span><span class=\"ff1\">16<span class=\"_ _78\"> </span>43<span class=\"_ _14\"> </span><span class=\"ls135 ws1e2\">36<span class=\"_ _20d\"> </span><span class=\"ls108 ws16a\">95<span class=\"_ _a0\"> </span></span></span>15<span class=\"_ _e7\"> </span>110</span></span><span style=\"display:inherit;clear:left;\">Overf<span class=\"_ _1\"></span>\u00f8rt til 12 mnd ECL (s<span class=\"_ _1\"></span>teg 1)<span class=\"_ _259\"> </span>8<span class=\"_ _66\"> </span></span><span style=\"display:inherit;clear:left;\">-7<span class=\"_ _9a\"> </span><span class=\"ls6 ws6\">-1<span class=\"_ _c8\"> </span></span></span><span style=\"display:inherit;clear:left;\">0<span class=\"_ _21e\"> </span>0<span class=\"_ _43\"> </span>0</span><span style=\"display:inherit;clear:left;\">Overf<span class=\"_ _1\"></span>\u00f8rt til lev<span class=\"_ _1\"></span>e<span class=\"_ _1\"></span>tid ECL \u2013 ikk<span class=\"_ _1\"></span>e objektiv<span class=\"_ _1\"></span>e bevis p\u00e5 </span><span style=\"display:inherit;clear:left;\">tap (st<span class=\"_ _1\"></span>eg 2)<span class=\"_ _17b\"> </span><span class=\"ls6 ws6\">-1<span class=\"_ _68\"> </span></span>5<span class=\"_ _17\"> </span><span class=\"ls120 ws1cb\">-4<span class=\"_ _43\"> </span></span>0<span class=\"_ _21e\"> </span>0<span class=\"_ _43\"> </span>0</span><span style=\"display:inherit;clear:left;\">Overf<span class=\"_ _1\"></span>\u00f8rt til lev<span class=\"_ _1\"></span>e<span class=\"_ _1\"></span>tid ECL \u2013 objektiv<span class=\"_ _1\"></span>e be<span class=\"_ _1\"></span>vis p\u00e5 tap </span><span style=\"display:inherit;clear:left;\">(st<span class=\"_ _1\"></span>eg 3) \u2013 Modellberegne<span class=\"_ _1\"></span>t<span class=\"_ _223\"> </span>0<span class=\"_ _10\"> </span><span class=\"ls84 wsdf\">-2<span class=\"_ _10\"> </span></span>2<span class=\"_ _21e\"> </span>0<span class=\"_ _43\"> </span>0<span class=\"_ _21e\"> </span>0</span><span style=\"display:inherit;clear:left;\">Overf<span class=\"_ _1\"></span>\u00f8rt til lev<span class=\"_ _1\"></span>e<span class=\"_ _1\"></span>tid ECL \u2013 objektiv<span class=\"_ _1\"></span>e be<span class=\"_ _1\"></span>vis p\u00e5 tap </span><span style=\"display:inherit;clear:left;\">(st<span class=\"_ _1\"></span>eg 3) \u2013 Individuelt vurdert<span class=\"_ _233\"> </span>0<span class=\"_ _4a\"> </span>0<span class=\"_ _8b\"> </span>0<span class=\"_ _43\"> </span>0<span class=\"_ _43\"> </span>0<span class=\"_ _21e\"> </span>0</span><span style=\"display:inherit;clear:left;\">Net<span class=\"_ _1\"></span>to n<span class=\"_ _1\"></span>y m\u00e5ling a<span class=\"_ _1\"></span>v tap<span class=\"_ _1cd\"> </span></span><span style=\"display:inherit;clear:left;\">-5<span class=\"_ _8d\"> </span><span class=\"ls125 ws1cf\">20<span class=\"_ _75\"> </span></span></span><span style=\"display:inherit;clear:left;\">11<span class=\"_ _b6\"> </span><span class=\"ls125 ws1cf\">26<span class=\"_ _10d\"> </span></span>2<span class=\"_ _b6\"> </span><span class=\"ls109 ws16b\">28</span></span><span style=\"display:inherit;clear:left;\">Nye ut<span class=\"_ _1\"></span>st<span class=\"_ _1\"></span>edte eller kj\u00f8p<span class=\"_ _1\"></span>te finansielle eiendeler<span class=\"_ _6a\"> </span>10<span class=\"_ _3d\"> </span>11<span class=\"_ _96\"> </span>1<span class=\"_ _b6\"> </span><span class=\"ls21 ws175\">23<span class=\"_ _43\"> </span></span>0<span class=\"_ _b6\"> </span><span class=\"ls21 ws175\">23</span></span><span style=\"display:inherit;clear:left;\">Finansielle eiendeler som har blitt fr<span class=\"_ _1\"></span>ar<span class=\"_ _1\"></span>egnet<span class=\"_ _25a\"> </span>-6<span class=\"_ _18\"> </span></span><span style=\"display:inherit;clear:left;\">-1<span class=\"_ _a\"></span>4<span class=\"_ _12\"> </span>-1<span class=\"_ _a\"></span>7<span class=\"_ _125\"> </span><span class=\"ls61 wsb5\">-<span class=\"_ _8\"></span>37<span class=\"_ _23f\"> </span></span></span><span style=\"display:inherit;clear:left;\">-8<span class=\"_ _df\"> </span><span class=\"ls82 ws14b\">-45</span></span><span style=\"display:inherit;clear:left;\">V<span class=\"_ _2\"></span>aluta og andre bev<span class=\"_ _1\"></span>eg<span class=\"_ _1\"></span>elser<span class=\"_ _1ea\"> </span>4<span class=\"_ _4a\"> </span>0<span class=\"_ _9a\"> </span>0<span class=\"_ _21e\"> </span>4<span class=\"_ _21e\"> </span>0<span class=\"_ _21e\"> </span>4</span><span style=\"display:inherit;clear:left;\">T<span class=\"_ _2\"></span>apsa<span class=\"_ _1\"></span>v<span class=\"_ _1\"></span>setning pr<span class=\"_ _0\"></span>. 31/12<span class=\"_ _1\"></span>-2<span class=\"_ _1\"></span>022<span class=\"_ _124\"> </span></span><span style=\"display:inherit;clear:left;\">26<span class=\"_ _3e\"> </span></span><span style=\"display:inherit;clear:left;\">57<span class=\"_ _98\"> </span><span class=\"ls8 ws8\">27<span class=\"_ _99\"> </span></span></span><span style=\"display:inherit;clear:left;\">110<span class=\"_ _49\"> </span>10<span class=\"_ _118\"> </span><span class=\"lsf6 ws158\">120</span></span><span style=\"display:inherit;clear:left;\">Sum nedskriving p\u00e5 utl\u00e5n, gar<span class=\"_ _1\"></span>an<span class=\"_ _1\"></span>tier<span class=\"_ _2\"></span>, </span><span style=\"display:inherit;clear:left;\">ubenyt<span class=\"_ _1\"></span>tede kr<span class=\"_ _2\"></span>editter samt l\u00e5ne<span class=\"_ _1\"></span>tilsagn<span class=\"_ _62\"> </span></span><span style=\"display:inherit;clear:left;\">1<span class=\"_ _8\"></span>99<span class=\"_ _74\"> </span></span><span style=\"display:inherit;clear:left;\">3<span class=\"_ _8\"></span>36<span class=\"_ _189\"> </span></span><span style=\"display:inherit;clear:left;\">205<span class=\"_ _9c\"> </span></span><span style=\"display:inherit;clear:left;\"><span><span style=\"display:inherit;clear:left;\">739<span class=\"_ _9c\"> </span></span></span><span class=\"ls61 wsb5\"><span><span style=\"display:inherit;clear:left;\">2<span class=\"_ _8\"></span>37</span></span><span><span style=\"display:inherit;clear:left;\"><span class=\"_ _9c\"> </span></span></span><span><span style=\"display:inherit;clear:left;\">976</span></span></span></span><span style=\"display:inherit;clear:left;\">No<span class=\"_ _1\"></span>te 15 R<span class=\"_ _1\"></span>e<span class=\"_ _1\"></span>f<span class=\"_ _0\"></span>orh<span class=\"_ _1\"></span>andlede o<span class=\"_ _1\"></span>g mislighold<span class=\"_ _1\"></span>te l<span class=\"_ _1\"></span>\u00e5n</span><span style=\"display:inherit;clear:left;\">Reforhandlede<span class=\"_ _1\"></span> l\u00e5n (<span class=\"_ _1\"></span>forbear<span class=\"_ _1\"></span>ance/betalingslette<span class=\"_ _1\"></span>lser)</span><span style=\"display:inherit;clear:left;\">Ref<span class=\"_ _1\"></span>orhandlede l\u00e5n de<span class=\"_ _1\"></span>finer<span class=\"_ _1\"></span>es som utl\u00e5n hv<span class=\"_ _1\"></span>or de<span class=\"_ _1\"></span>t er gitt let<span class=\"_ _1\"></span>telser i vilk<span class=\"_ _1\"></span>\u00e5r i sammenheng med a<span class=\"_ _1\"></span>t kunden har f<span class=\"_ _1\"></span>\u00e5<span class=\"_ _1\"></span>t<span class=\"_ _1\"></span>t betalingspr<span class=\"_ _1\"></span>oblemer<span class=\"_ _0\"></span>, og </span><span style=\"display:inherit;clear:left;\">a<span class=\"_ _1\"></span>t man ikke ville gitt dis<span class=\"_ _1\"></span>se vilk\u00e5r v<span class=\"_ _1\"></span>ed en or<span class=\"_ _1\"></span>din\u00e6r l\u00e5neutst<span class=\"_ _1\"></span>edelse.</span><span style=\"display:inherit;clear:left;\">K<span class=\"_ _1\"></span>ONSERN</span><span style=\"display:inherit;clear:left;\">Pr<span class=\"_ _2\"></span>. 31/12<span class=\"_ _1\"></span>-<span class=\"_ _1\"></span>20<span class=\"_ _1\"></span>23<span class=\"_ _25b\"> </span><span class=\"ls125 ws1cf\">Steg<span class=\"_ _8\"></span> 2<span class=\"_ _98\"> </span>Ste<span class=\"_ _8\"></span>g 3<span class=\"_ _68\"> </span></span>Sum</span><span style=\"display:inherit;clear:left;\">Balanse betalingsle<span class=\"_ _1\"></span>tt<span class=\"_ _1\"></span>elser brutt<span class=\"_ _1\"></span>o \u2013 Bedriftsmark<span class=\"_ _1\"></span>ed<span class=\"_ _1bc\"> </span></span><span style=\"display:inherit;clear:left;\">1<span class=\"_ _8\"></span> 273<span class=\"_ _9c\"> </span><span class=\"ls138 ws1e5\">693<span class=\"_ _8b\"> </span></span></span><span style=\"display:inherit;clear:left;\">1 966</span><span style=\"display:inherit;clear:left;\">Nedskrivinger \u2013 Bedriftsmark<span class=\"_ _1\"></span>ed<span class=\"_ _1f7\"> </span></span><span style=\"display:inherit;clear:left;\">-2<span class=\"_ _8\"></span>3<span class=\"_ _96\"> </span><span class=\"ls4a ws9d\">-<span class=\"_ _8\"></span>245<span class=\"_ _95\"> </span><span class=\"ls125 ws1cf\">-<span class=\"_ _8\"></span>268</span></span></span><span style=\"display:inherit;clear:left;\">Balanse betalingsle<span class=\"_ _1\"></span>tt<span class=\"_ _1\"></span>elser brutt<span class=\"_ _1\"></span>o \u2013 P<span class=\"_ _1\"></span>ersonmark<span class=\"_ _1\"></span>ed<span class=\"_ _25c\"> </span><span class=\"ls31 ws81\">575<span class=\"_ _10c\"> </span></span>117<span class=\"_ _15\"> </span><span class=\"ls138 ws1e5\">692</span></span><span style=\"display:inherit;clear:left;\">Nedskrivinger \u2013 P<span class=\"_ _1\"></span>ersonmark<span class=\"_ _1\"></span>ed<span class=\"_ _1b9\"> </span></span><span style=\"display:inherit;clear:left;\">-5<span class=\"_ _63\"> </span><span class=\"ls6 ws6\">-1<span class=\"_ _8\"></span>5<span class=\"_ _99\"> </span><span class=\"ls125 ws1cf\">-20</span></span></span><span style=\"display:inherit;clear:left;\">Balanse betalingsle<span class=\"_ _1\"></span>tt<span class=\"_ _1\"></span>elser ne<span class=\"_ _1\"></span>tt<span class=\"_ _1\"></span>o pr<span class=\"_ _0\"></span>. 31/12-<span class=\"_ _1\"></span>20<span class=\"_ _1\"></span>23<span class=\"_ _175\"> </span>1 819<span class=\"_ _df\"> </span><span class=\"ls83 wsdd\">551<span class=\"_ _3e\"> </span><span class=\"ls61 wsb5\">2<span class=\"_ _8\"></span> 370</span></span></span><span style=\"display:inherit;clear:left;\">Pr<span class=\"_ _2\"></span>. 31/12<span class=\"_ _1\"></span>-<span class=\"_ _1\"></span>20<span class=\"_ _1\"></span>22<span class=\"_ _25b\"> </span><span class=\"ls125 ws1cf\">Steg<span class=\"_ _8\"></span> 2<span class=\"_ _98\"> </span>Ste<span class=\"_ _8\"></span>g 3<span class=\"_ _68\"> </span></span>Sum</span><span style=\"display:inherit;clear:left;\">Balanse betalingsle<span class=\"_ _1\"></span>tt<span class=\"_ _1\"></span>elser brutt<span class=\"_ _1\"></span>o \u2013 Bedriftsmark<span class=\"_ _1\"></span>ed<span class=\"_ _1e6\"> </span>1 15<span class=\"_ _1\"></span>9<span class=\"_ _df\"> </span><span class=\"ls131 ws1dd\">6<span class=\"_ _8\"></span>41<span class=\"_ _e9\"> </span></span>1 800</span><span style=\"display:inherit;clear:left;\">Nedskrivinger \u2013 Bedriftsmark<span class=\"_ _1\"></span>ed<span class=\"_ _1f7\"> </span></span><span style=\"display:inherit;clear:left;\">-68<span class=\"_ _3d\"> </span><span class=\"ls109 ws16b\">-2<span class=\"_ _8\"></span>28<span class=\"_ _a1\"> </span><span class=\"ls6 ws6\">-<span class=\"_ _8\"></span>297</span></span></span><span style=\"display:inherit;clear:left;\">Balanse betalingsle<span class=\"_ _1\"></span>tt<span class=\"_ _1\"></span>elser brutt<span class=\"_ _1\"></span>o \u2013 P<span class=\"_ _1\"></span>ersonmark<span class=\"_ _1\"></span>ed<span class=\"_ _175\"> </span></span><span style=\"display:inherit;clear:left;\">394<span class=\"_ _df\"> </span><span class=\"ls133 ws1e0\">105<span class=\"_ _20e\"> </span><span class=\"ls13d ws1eb\">49<span class=\"_ _8\"></span>8</span></span></span><span style=\"display:inherit;clear:left;\">Nedskrivinger \u2013 P<span class=\"_ _1\"></span>ersonmark<span class=\"_ _1\"></span>ed<span class=\"_ _1b9\"> </span>-6<span class=\"_ _63\"> </span><span class=\"ls6 ws6\">-1<span class=\"_ _8\"></span>2<span class=\"_ _20d\"> </span>-1<span class=\"_ _8\"></span>8</span></span><span style=\"display:inherit;clear:left;\">Balanse betalingsle<span class=\"_ _1\"></span>tt<span class=\"_ _1\"></span>elser ne<span class=\"_ _1\"></span>tt<span class=\"_ _1\"></span>o pr<span class=\"_ _0\"></span>. 31/12-<span class=\"_ _1\"></span>20<span class=\"_ _1\"></span>22<span class=\"_ _18f\"> </span></span><span style=\"display:inherit;clear:left;\">1<span class=\"_ _8\"></span> 47<span class=\"_ _8\"></span>9<span class=\"_ _97\"> </span><span class=\"ls108 ws16a\">505<span class=\"_ _91\"> </span><span class=\"ls82 ws14b\">1<span class=\"_ _8\"></span> 985</span></span></span><span style=\"display:inherit;clear:left;\">Misligholdte og<span class=\"_ _1\"></span> tapsutsa<span class=\"_ _1\"></span>tte u<span class=\"_ _1\"></span>tl\u00e5n<span class=\"ls0 ws0\"> </span></span><span style=\"display:inherit;clear:left;\">T<span class=\"_ _2\"></span>abellen viser bokf\u00f8rt bel\u00f8p p\u00e5 misligholdte og tapsutsa<span class=\"_ _1\"></span>tte utl\u00e5n,<span class=\"_ _1\"></span> hv<span class=\"_ _1\"></span>or to<span class=\"_ _1\"></span>talen r<span class=\"_ _1\"></span>apporteres basert p\u00e5 definisjoner<span class=\"_ _1\"></span> etter </span><span style=\"display:inherit;clear:left;\">Basel-r<span class=\"_ _1\"></span>egelverk<span class=\"_ _1\"></span>et.</span><span style=\"display:inherit;clear:left;\">MORBANK<span class=\"_ _12c\"> </span><span class=\"lsc wsc\">KONSERN</span></span><span style=\"display:inherit;clear:left;\">31/12-<span class=\"_ _1\"></span>2023<span class=\"_ _1bf\"> </span>31/12-<span class=\"_ _2\"></span>202<span class=\"_ _8\"></span>3</span><span style=\"display:inherit;clear:left;\">Pers<span class=\"_ _8\"></span>on-</span><span style=\"display:inherit;clear:left;\">Be<span class=\"_ _8\"></span>d<span class=\"_ _8\"></span>ri<span class=\"_ _8\"></span>ft<span class=\"_ _8\"></span>s-<span class=\"ls0 ws0\"> </span></span><span style=\"display:inherit;clear:left;\">Pers<span class=\"_ _8\"></span>on-</span><span style=\"display:inherit;clear:left;\">Be<span class=\"_ _8\"></span>d<span class=\"_ _8\"></span>ri<span class=\"_ _8\"></span>ft<span class=\"_ _8\"></span>s-<span class=\"ls0 ws0\"> </span></span><span style=\"display:inherit;clear:left;\">marked</span><span style=\"display:inherit;clear:left;\">marked<span class=\"_ _a3\"> </span><span class=\"ls142 ws1f1\">To<span class=\"_ _8\"></span>t<span class=\"_ _a\"></span>a<span class=\"_ _a\"></span>l<span class=\"_ _8\"></span>t</span></span><span style=\"display:inherit;clear:left;\">marked</span><span style=\"display:inherit;clear:left;\">marked<span class=\"_ _a3\"> </span><span class=\"ls142 ws1f1\">To<span class=\"_ _8\"></span>t<span class=\"_ _a\"></span>a<span class=\"_ _a\"></span>l<span class=\"_ _8\"></span>t</span></span><span style=\"display:inherit;clear:left;\">87<span class=\"_ _8e\"> </span></span><span style=\"display:inherit;clear:left;\">669<span class=\"_ _6f\"> </span></span><span style=\"display:inherit;clear:left;\">756<span class=\"_ _b8\"> </span></span><span style=\"display:inherit;clear:left;\">Utl\u00e5n med<span class=\"_ _1\"></span> betalingsmislighold ov<span class=\"_ _1\"></span>er 90<span class=\"_ _1\"></span> dager<span class=\"_ _22c\"> </span></span><span style=\"display:inherit;clear:left;\">116<span class=\"_ _6f\"> </span><span class=\"ls108 ws16a\">672<span class=\"_ _6f\"> </span><span class=\"ls61 wsb5\">78<span class=\"_ _8\"></span>8</span></span></span><span style=\"display:inherit;clear:left;\">115<span class=\"_ _9b\"> </span></span><span style=\"display:inherit;clear:left;\">463<span class=\"_ _6f\"> </span></span><span style=\"display:inherit;clear:left;\">5<span class=\"_ _8\"></span>78<span class=\"_ _b8\"> </span></span><span style=\"display:inherit;clear:left;\">\u00d8vrige<span class=\"_ _1\"></span> tapsutsatte u<span class=\"_ _1\"></span>tl\u00e5n <span class=\"_ _148\"> </span><span class=\"ls14 ws14\">206<span class=\"_ _8e\"> </span>467<span class=\"_ _6f\"> </span><span class=\"ls140 ws1ee\">6<span class=\"_ _a\"></span>74</span></span></span><span style=\"display:inherit;clear:left;\">202<span class=\"_ _dd\"> </span></span><span style=\"display:inherit;clear:left;\">1 132<span class=\"_ _cc\"> </span></span><span style=\"display:inherit;clear:left;\">1 334<span class=\"_ _11a\"> </span></span><span style=\"display:inherit;clear:left;\">Sum misligholdte og tapsu<span class=\"_ _1\"></span>tsatt<span class=\"_ _1\"></span>e ut<span class=\"_ _1\"></span>l\u00e5n<span class=\"_ _194\"> </span></span><span style=\"display:inherit;clear:left;\">322<span class=\"_ _dd\"> </span><span class=\"ls0 ws0\">1 139<span class=\"_ _cc\"> </span><span class=\"ls12c ws1d6\">1 4<span class=\"_ _8\"></span>62</span></span></span><span style=\"display:inherit;clear:left;\">-38<span class=\"_ _87\"> </span>-36<span class=\"_ _8\"></span>5<span class=\"_ _cd\"> </span></span><span style=\"display:inherit;clear:left;\">-403<span class=\"_ _11a\"> </span></span><span style=\"display:inherit;clear:left;\"> - T<span class=\"_ _2\"></span>otale nedskriving<span class=\"_ _1\"></span>er st<span class=\"_ _1\"></span>eg 3<span class=\"_ _76\"> </span></span><span style=\"display:inherit;clear:left;\">-60<span class=\"_ _87\"> </span><span class=\"ls84 wsdf\">-36<span class=\"_ _8\"></span>5<span class=\"_ _cd\"> </span><span class=\"ls8 ws8\">-<span class=\"_ _8\"></span>425</span></span></span><span style=\"display:inherit;clear:left;\">163<span class=\"_ _86\"> </span><span class=\"ls4a ws9d\">768<span class=\"_ _94\"> </span><span class=\"ls84 wsdf\">931<span class=\"_ _11a\"> </span></span></span>Net<span class=\"_ _1\"></span>to misligholdt<span class=\"_ _1\"></span>e og tapsutsa<span class=\"_ _2\"></span>tte utl\u00e5n<span class=\"_ _23c\"> </span></span><span style=\"display:inherit;clear:left;\">262<span class=\"_ _6f\"> </span><span class=\"ls147 ws1f7\">7<span class=\"_ _38\"></span>74<span class=\"_ _b7\"> </span><span class=\"ls135 ws1e2\">1 036</span></span></span><span style=\"display:inherit;clear:left;\">31/12-<span class=\"_ _1\"></span>2022<span class=\"_ _1bf\"> </span>31/12<span class=\"_ _1\"></span>-<span class=\"_ _1\"></span>2022</span><span style=\"display:inherit;clear:left;\">Pers<span class=\"_ _8\"></span>on-</span><span style=\"display:inherit;clear:left;\">Be<span class=\"_ _8\"></span>d<span class=\"_ _8\"></span>ri<span class=\"_ _8\"></span>ft<span class=\"_ _8\"></span>s-<span class=\"ls0 ws0\"> </span></span><span style=\"display:inherit;clear:left;\">Pers<span class=\"_ _8\"></span>on-</span><span style=\"display:inherit;clear:left;\">Be<span class=\"_ _8\"></span>d<span class=\"_ _8\"></span>ri<span class=\"_ _8\"></span>ft<span class=\"_ _8\"></span>s-<span class=\"ls0 ws0\"> </span></span><span style=\"display:inherit;clear:left;\">marked</span><span style=\"display:inherit;clear:left;\">marked<span class=\"_ _a3\"> </span><span class=\"ls142 ws1f1\">To<span class=\"_ _8\"></span>t<span class=\"_ _a\"></span>a<span class=\"_ _a\"></span>l<span class=\"_ _8\"></span>t</span></span><span style=\"display:inherit;clear:left;\">marked</span><span style=\"display:inherit;clear:left;\">marked<span class=\"_ _a3\"> </span><span class=\"ls142 ws1f1\">To<span class=\"_ _8\"></span>t<span class=\"_ _a\"></span>a<span class=\"_ _a\"></span>l<span class=\"_ _8\"></span>t</span></span><span style=\"display:inherit;clear:left;\">62<span class=\"_ _189\"> </span></span><span style=\"display:inherit;clear:left;\">355<span class=\"_ _ba\"> </span></span><span style=\"display:inherit;clear:left;\">41<span class=\"_ _8\"></span>8<span class=\"_ _b8\"> </span></span><span style=\"display:inherit;clear:left;\">Utl\u00e5n med betalingsmislighold ov<span class=\"_ _1\"></span>er 90<span class=\"_ _1\"></span> dager<span class=\"_ _25d\"> </span></span><span style=\"display:inherit;clear:left;\">112<span class=\"_ _8e\"> </span><span class=\"ls33 ws84\">360<span class=\"_ _6f\"> </span><span class=\"ls13e ws1ec\">472</span></span></span><span style=\"display:inherit;clear:left;\">76<span class=\"_ _94\"> </span></span><span style=\"display:inherit;clear:left;\">613<span class=\"_ _65\"> </span></span><span style=\"display:inherit;clear:left;\">689<span class=\"_ _11a\"> </span></span><span style=\"display:inherit;clear:left;\">\u00d8<span class=\"_ _8\"></span>vrige<span class=\"_ _1\"></span> tapsutsatte u<span class=\"_ _1\"></span>tl\u00e5n <span class=\"_ _25e\"> </span></span><span style=\"display:inherit;clear:left;\">160<span class=\"_ _6e\"> </span><span class=\"ls9a wsf7\">618<span class=\"_ _108\"> </span><span class=\"lsfc ws15e\">7<span class=\"_ _8\"></span>79</span></span></span><span style=\"display:inherit;clear:left;\">138<span class=\"_ _9b\"> </span></span><span style=\"display:inherit;clear:left;\">968<span class=\"_ _89\"> </span></span><span style=\"display:inherit;clear:left;\">1 10<span class=\"_ _1\"></span>7<span class=\"_ _b9\"> </span></span><span style=\"display:inherit;clear:left;\">Sum misligholdte<span class=\"_ _1\"></span> og tapsutsa<span class=\"_ _1\"></span>tte<span class=\"_ _1\"></span> utl\u00e5n<span class=\"_ _8c\"> </span></span><span style=\"display:inherit;clear:left;\">272<span class=\"_ _65\"> </span><span class=\"ls62 wsb6\">978<span class=\"_ _cc\"> </span><span class=\"ls133 ws1e0\">1<span class=\"_ _8\"></span> 250</span></span></span><span style=\"display:inherit;clear:left;\">-24<span class=\"_ _cd\"> </span></span><span style=\"display:inherit;clear:left;\">-<span class=\"_ _8\"></span>403<span class=\"_ _87\"> </span></span><span style=\"display:inherit;clear:left;\">-<span class=\"_ _8\"></span>427<span class=\"_ _b8\"> </span></span><span style=\"display:inherit;clear:left;\"> - T<span class=\"_ _0\"></span>otale nedskriving<span class=\"_ _1\"></span>er st<span class=\"_ _1\"></span>eg 3<span class=\"_ _76\"> </span></span><span style=\"display:inherit;clear:left;\">-3<span class=\"_ _8\"></span>4<span class=\"_ _90\"> </span><span class=\"ls108 ws16a\">-404<span class=\"_ _87\"> </span><span class=\"ls61 wsb5\">-<span class=\"_ _8\"></span>4<span class=\"_ _a\"></span>37</span></span></span><span style=\"display:inherit;clear:left;\">114<span class=\"_ _189\"> </span><span class=\"ls82 ws14b\">565<span class=\"_ _8e\"> </span><span class=\"ls83 wsdd\">680<span class=\"_ _11a\"> </span></span></span>Nett<span class=\"_ _1\"></span>o misligholdt<span class=\"_ _1\"></span>e og tapsutsa<span class=\"_ _1\"></span>tt<span class=\"_ _1\"></span>e utl\u00e5n<span class=\"_ _23c\"> </span></span><span style=\"display:inherit;clear:left;\">239<span class=\"_ _6f\"> </span><span class=\"ls109 ws16b\">575<span class=\"_ _ba\"> </span><span class=\"ls82 ws14b\">81<span class=\"_ _8\"></span>3</span></span></span><span style=\"display:inherit;clear:left;\">Aldersfordeling<span class=\"_ _1\"></span> a<span class=\"_ _1\"></span>v betalingsmislighold</span><span style=\"display:inherit;clear:left;\">T<span class=\"_ _2\"></span>abellen viser balansef\u00f8rt v<span class=\"_ _1\"></span>erdi<span class=\"_ _1\"></span> av<span class=\"_ _1\"></span> utl\u00e5n r<span class=\"_ _1\"></span>egistrert med betalingsmislighold, h<span class=\"_ _1\"></span>vor<span class=\"_ _1\"></span> misligholdet ov<span class=\"_ _1\"></span>erstiger<span class=\"_ _1\"></span> 1 000 kr<span class=\"_ _1\"></span>oner p\u00e5<span class=\"_ _1\"></span> en a<span class=\"_ _1\"></span>v </span><span style=\"display:inherit;clear:left;\">engasjementets<span class=\"_ _1\"></span> kon<span class=\"_ _1\"></span>ti og utg<span class=\"_ _8\"></span>j\u00f8r minst<span class=\"_ _1\"></span> 1 %<span class=\"_ _1\"></span> av<span class=\"_ _1\"></span> engasjemente<span class=\"_ _1\"></span>ts st\u00f8rr<span class=\"_ _1\"></span>else f<span class=\"_ _1\"></span>or Per<span class=\"_ _1\"></span>sonmarked. Til<span class=\"_ _1\"></span>svar<span class=\"_ _1\"></span>ende g<span class=\"_ _8\"></span>jelder f<span class=\"_ _1\"></span>or Bedriftsmarked, </span><span style=\"display:inherit;clear:left;\">men her er<span class=\"_ _1\"></span> bel\u00f8psgrensen<span class=\"_ _1\"></span> 2 000 kr<span class=\"_ _1\"></span>oner<span class=\"_ _0\"></span>. </span><span style=\"display:inherit;clear:left;\">MORBANK<span class=\"_ _12c\"> </span><span class=\"lsc wsc\">KONSERN</span></span><span style=\"display:inherit;clear:left;\">31/12-<span class=\"_ _1\"></span>2023<span class=\"_ _1bf\"> </span>31/12-<span class=\"_ _2\"></span>202<span class=\"_ _8\"></span>3</span><span style=\"display:inherit;clear:left;\">Pers<span class=\"_ _8\"></span>on-</span><span style=\"display:inherit;clear:left;\">Be<span class=\"_ _8\"></span>d<span class=\"_ _8\"></span>ri<span class=\"_ _8\"></span>ft<span class=\"_ _8\"></span>s-<span class=\"ls0 ws0\"> </span></span><span style=\"display:inherit;clear:left;\">Pers<span class=\"_ _8\"></span>on-</span><span style=\"display:inherit;clear:left;\">Be<span class=\"_ _8\"></span>d<span class=\"_ _8\"></span>ri<span class=\"_ _8\"></span>ft<span class=\"_ _8\"></span>s-<span class=\"ls0 ws0\"> </span></span><span style=\"display:inherit;clear:left;\">marked</span><span style=\"display:inherit;clear:left;\">marked<span class=\"_ _a3\"> </span><span class=\"ls142 ws1f1\">To<span class=\"_ _8\"></span>t<span class=\"_ _a\"></span>a<span class=\"_ _a\"></span>l<span class=\"_ _8\"></span>t</span></span><span style=\"display:inherit;clear:left;\">marked</span><span style=\"display:inherit;clear:left;\">marked<span class=\"_ _a3\"> </span><span class=\"ls142 ws1f1\">To<span class=\"_ _8\"></span>t<span class=\"_ _a\"></span>a<span class=\"_ _a\"></span>l<span class=\"_ _8\"></span>t</span></span><span style=\"display:inherit;clear:left;\">80<span class=\"_ _9b\"> </span></span><span style=\"display:inherit;clear:left;\">4<span class=\"_ _8\"></span>07<span class=\"_ _86\"> </span></span><span style=\"display:inherit;clear:left;\">4<span class=\"_ _8\"></span>87<span class=\"_ _b8\"> </span></span><span style=\"display:inherit;clear:left;\">Inntil<span class=\"_ _1\"></span> 30 dager<span class=\"_ _25f\"> </span></span><span style=\"display:inherit;clear:left;\">163<span class=\"_ _108\"> </span><span class=\"ls59 wsac\">41<span class=\"_ _8\"></span>0<span class=\"_ _6e\"> </span><span class=\"ls12f ws1d9\">573</span></span></span><span style=\"display:inherit;clear:left;\">26<span class=\"_ _94\"> </span><span class=\"ls6 ws6\">1<span class=\"_ _a\"></span>07<span class=\"_ _74\"> </span><span class=\"ls9 ws9\">133<span class=\"_ _b9\"> </span><span class=\"ls0 ws0\">31\u201390 dager<span class=\"_ _14f\"> </span><span class=\"ls31 ws81\">57<span class=\"_ _94\"> </span></span></span></span>1<span class=\"_ _a\"></span>07<span class=\"_ _ba\"> </span><span class=\"ls0 ws0\">164</span></span></span><span style=\"display:inherit;clear:left;\">87<span class=\"_ _86\"> </span></span><span style=\"display:inherit;clear:left;\">6<span class=\"_ _8\"></span>69<span class=\"_ _6f\"> </span></span><span style=\"display:inherit;clear:left;\">756<span class=\"_ _b8\"> </span></span><span style=\"display:inherit;clear:left;\">Mer enn 90 dager<span class=\"_ _179\"> </span>116<span class=\"_ _6f\"> </span><span class=\"ls137 ws1e4\">672<span class=\"_ _108\"> </span><span class=\"ls61 wsb5\">78<span class=\"_ _8\"></span>8</span></span></span><span style=\"display:inherit;clear:left;\">193<span class=\"_ _89\"> </span><span class=\"ls0 ws0\">1 182<span class=\"_ _b7\"> </span><span class=\"ls61 wsb5\">1<span class=\"_ _a\"></span> 376<span class=\"_ _b8\"> </span></span>Brutt<span class=\"_ _1\"></span>o utl\u00e5n med be<span class=\"_ _1\"></span>talingsmislighold<span class=\"_ _260\"> </span><span class=\"ls61 wsb5\">3<span class=\"_ _8\"></span>37<span class=\"_ _89\"> </span></span>1 188<span class=\"_ _cb\"> </span><span class=\"ls8 ws8\">1<span class=\"_ _8\"></span> 525</span></span></span><span style=\"display:inherit;clear:left;\">31/12-<span class=\"_ _1\"></span>2022<span class=\"_ _1bf\"> </span>31/12<span class=\"_ _1\"></span>-<span class=\"_ _1\"></span>2022</span><span style=\"display:inherit;clear:left;\">Pers<span class=\"_ _8\"></span>on-</span><span style=\"display:inherit;clear:left;\">Be<span class=\"_ _8\"></span>d<span class=\"_ _8\"></span>ri<span class=\"_ _8\"></span>ft<span class=\"_ _8\"></span>s-<span class=\"ls0 ws0\"> </span></span><span style=\"display:inherit;clear:left;\">Pers<span class=\"_ _8\"></span>on-</span><span style=\"display:inherit;clear:left;\">Be<span class=\"_ _8\"></span>d<span class=\"_ _8\"></span>ri<span class=\"_ _8\"></span>ft<span class=\"_ _8\"></span>s-<span class=\"ls0 ws0\"> </span></span><span style=\"display:inherit;clear:left;\">marked</span><span style=\"display:inherit;clear:left;\">marked<span class=\"_ _a3\"> </span><span class=\"ls142 ws1f1\">To<span class=\"_ _8\"></span>t<span class=\"_ _a\"></span>a<span class=\"_ _a\"></span>l<span class=\"_ _8\"></span>t</span></span><span style=\"display:inherit;clear:left;\">marked</span><span style=\"display:inherit;clear:left;\">marked<span class=\"_ _a3\"> </span><span class=\"ls142 ws1f1\">To<span class=\"_ _8\"></span>t<span class=\"_ _a\"></span>a<span class=\"_ _a\"></span>l<span class=\"_ _8\"></span>t</span></span><span style=\"display:inherit;clear:left;\">79<span class=\"_ _94\"> </span></span><span style=\"display:inherit;clear:left;\">1<span class=\"_ _8\"></span>74<span class=\"_ _86\"> </span></span><span style=\"display:inherit;clear:left;\">254<span class=\"_ _11a\"> </span></span><span style=\"display:inherit;clear:left;\">Inntil 30 dager<span class=\"_ _14e\"> </span></span><span style=\"display:inherit;clear:left;\">165<span class=\"_ _6e\"> </span><span class=\"ls9a wsf7\">180<span class=\"_ _8e\"> </span><span class=\"ls133 ws1e0\">346</span></span></span><span style=\"display:inherit;clear:left;\">30<span class=\"_ _74\"> </span><span class=\"ls31 ws81\">175<span class=\"_ _65\"> </span><span class=\"ls125 ws1cf\">20<span class=\"_ _8\"></span>5<span class=\"_ _11a\"> </span><span class=\"ls0 ws0\">31\u201360 dager<span class=\"_ _1fb\"> </span>64<span class=\"_ _94\"> </span></span></span>1<span class=\"_ _8\"></span>75<span class=\"_ _6f\"> </span><span class=\"ls136 ws1e3\">239</span></span></span><span style=\"display:inherit;clear:left;\">62<span class=\"_ _65\"> </span></span><span style=\"display:inherit;clear:left;\">355<span class=\"_ _ba\"> </span></span><span style=\"display:inherit;clear:left;\">41<span class=\"_ _a\"></span>8<span class=\"_ _b8\"> </span></span><span style=\"display:inherit;clear:left;\">Mer enn 90 dager<span class=\"_ _179\"> </span>112<span class=\"_ _189\"> </span><span class=\"ls12c ws1d6\">360<span class=\"_ _108\"> </span><span class=\"ls13e ws1ec\">47<span class=\"_ _8\"></span>2</span></span></span><span style=\"display:inherit;clear:left;\">171<span class=\"_ _65\"> </span><span class=\"ls4a ws9d\">705<span class=\"_ _108\"> </span>876<span class=\"_ _b8\"> </span></span>Brutt<span class=\"_ _1\"></span>o utl\u00e5n med be<span class=\"_ _1\"></span>talingsmislighold<span class=\"_ _ef\"> </span><span class=\"ls16 ws16\">3<span class=\"_ _8\"></span>41<span class=\"_ _ba\"> </span></span>716<span class=\"_ _cc\"> </span><span class=\"ls108 ws16a\">1<span class=\"_ _8\"></span> 056</span></span><span style=\"display:inherit;clear:left;\">Note 16 Si<span class=\"_ _8\"></span>k<span class=\"_ _8\"></span>kerhetssti<span class=\"_ _8\"></span>l<span class=\"_ _8\"></span>lelser</span><span style=\"display:inherit;clear:left;\">Br<span class=\"_ _8\"></span>utto ut<span class=\"_ _8\"></span>l\u00e5n e<span class=\"_ _8\"></span>r i stor g<span class=\"_ _8\"></span>rad sikre<span class=\"_ _8\"></span>t ved pant<span class=\"_ _8\"></span>sti<span class=\"_ _8\"></span>lle<span class=\"_ _8\"></span>lser<span class=\"_ _1\"></span>. Sikr<span class=\"_ _8\"></span>ings<span class=\"_ _8\"></span>obj<span class=\"_ _8\"></span>ek<span class=\"_ _8\"></span>ter i pr<span class=\"_ _8\"></span>ivatma<span class=\"_ _8\"></span>rkede<span class=\"_ _8\"></span>t bes<span class=\"_ _8\"></span>t\u00e5r i d<span class=\"_ _8\"></span>et alt ve<span class=\"_ _8\"></span>sen<span class=\"_ _8\"></span>tlige av ei<span class=\"_ _8\"></span>end<span class=\"_ _8\"></span>om. I </span><span style=\"display:inherit;clear:left;\">beregningen neden<span class=\"_ _1\"></span>for<span class=\"_ _1\"></span> blir disse v<span class=\"_ _1\"></span>erdsa<span class=\"_ _1\"></span>tt til virk<span class=\"_ _1\"></span>elig v<span class=\"_ _1\"></span>erdi<span class=\"_ _1\"></span> g<span class=\"_ _8\"></span>jennom estimat<span class=\"_ _1\"></span>er fr<span class=\"_ _1\"></span>a Eiendomsv<span class=\"_ _1\"></span>erdi,<span class=\"_ _1\"></span> oppdat<span class=\"_ _1\"></span>ert verdivur<span class=\"_ _1\"></span>dering f<span class=\"_ _1\"></span>ra </span><span style=\"display:inherit;clear:left;\">megler eller oppdaterte<span class=\"_ _1\"></span> takster<span class=\"_ _2\"></span>. N\u00e5r<span class=\"_ _1\"></span> det g<span class=\"_ _8\"></span>jelder bedriftsmarkedet,<span class=\"_ _1\"></span> utg<span class=\"_ _8\"></span>j\u00f8r varige<span class=\"_ _1\"></span> driftsmidler hov<span class=\"_ _1\"></span>edtyngden a<span class=\"_ _1\"></span>v<span class=\"_ _1\"></span> sikringsobjekter<span class=\"_ _2\"></span>. </span><span style=\"display:inherit;clear:left;\">Varige dr<span class=\"_ _8\"></span>ift<span class=\"_ _8\"></span>smi<span class=\"_ _8\"></span>dle<span class=\"_ _8\"></span>r bes<span class=\"_ _8\"></span>t\u00e5r i h<span class=\"_ _8\"></span>oveds<span class=\"_ _8\"></span>ak av eien<span class=\"_ _8\"></span>dom<span class=\"_ _8\"></span>, men o<span class=\"_ _8\"></span>gs\u00e5 p<span class=\"_ _8\"></span>ant i sk<span class=\"_ _8\"></span>ip, fall<span class=\"_ _8\"></span>retti<span class=\"_ _8\"></span>gh<span class=\"_ _8\"></span>eter<span class=\"_ _1\"></span>, osv<span class=\"_ _1\"></span>. Det e<span class=\"_ _8\"></span>r ogs\u00e5 m<span class=\"_ _8\"></span>ind<span class=\"_ _8\"></span>re pant<span class=\"_ _8\"></span>stil<span class=\"_ _8\"></span>lel<span class=\"_ _8\"></span>ser i </span><span style=\"display:inherit;clear:left;\">oml\u00f8psmidler som f<span class=\"_ _1\"></span>act<span class=\"_ _1\"></span>oring, enkle pengekr<span class=\"_ _1\"></span>a<span class=\"_ _1\"></span>v og dri<span class=\"_ _1\"></span>ftsl\u00f8s\u00f8re samt annen<span class=\"_ _1\"></span> pant<span class=\"_ _1\"></span> som leiegaran<span class=\"_ _1\"></span>tier<span class=\"_ _2\"></span>, fors<span class=\"_ _1\"></span>ikringskon<span class=\"_ _1\"></span>trakter<span class=\"_ _2\"></span>, </span><span style=\"display:inherit;clear:left;\">realkau<span class=\"_ _1\"></span>sjoner osv<span class=\"_ _2\"></span>.</span><span style=\"display:inherit;clear:left;\">T<span class=\"_ _2\"></span>abellen nedenfor viser<span class=\"_ _1\"></span> den pr<span class=\"_ _1\"></span>osentvise for<span class=\"_ _1\"></span>delingen<span class=\"_ _1\"></span> av<span class=\"_ _1\"></span> engasjement<span class=\"_ _1\"></span> knyttet til<span class=\"_ _1\"></span> ulike<span class=\"_ _1\"></span> niv<span class=\"_ _1\"></span>\u00e5er f<span class=\"_ _1\"></span>or sikk<span class=\"_ _1\"></span>erhetsstillelse. Andelen a<span class=\"_ _1\"></span>v<span class=\"_ _1\"></span> hv<span class=\"_ _1\"></span>ert </span><span style=\"display:inherit;clear:left;\">enkelt<span class=\"_ _1\"></span> l\u00e5n som sammen<span class=\"_ _1\"></span>faller<span class=\"_ _1\"></span> med et L<span class=\"_ _0\"></span>T<span class=\"_ _8\"></span>V<span class=\"_ _1\"></span>-<span class=\"_ _1\"></span>intervall<span class=\"_ _1\"></span> rapporteres<span class=\"_ _1\"></span> innenfor<span class=\"_ _1\"></span> dette in<span class=\"_ _1\"></span>tervallet.<span class=\"_ _1\"></span> </span><span style=\"display:inherit;clear:left;\">MORBANK<span class=\"_ _12c\"> </span><span class=\"lsc wsc\">KONSERN</span></span><span style=\"display:inherit;clear:left;\">31/12-<span class=\"_ _1\"></span>2023<span class=\"_ _1bf\"> </span>31/12-<span class=\"_ _2\"></span>202<span class=\"_ _8\"></span>3</span><span style=\"display:inherit;clear:left;\">Pers<span class=\"_ _8\"></span>on-</span><span style=\"display:inherit;clear:left;\">Be<span class=\"_ _8\"></span>d<span class=\"_ _8\"></span>ri<span class=\"_ _8\"></span>ft<span class=\"_ _8\"></span>s-<span class=\"ls0 ws0\"> </span></span><span style=\"display:inherit;clear:left;\">Pers<span class=\"_ _8\"></span>on-</span><span style=\"display:inherit;clear:left;\">Be<span class=\"_ _8\"></span>d<span class=\"_ _8\"></span>ri<span class=\"_ _8\"></span>ft<span class=\"_ _8\"></span>s-<span class=\"ls0 ws0\"> </span></span><span style=\"display:inherit;clear:left;\">marked</span><span style=\"display:inherit;clear:left;\">marked<span class=\"_ _a3\"> </span><span class=\"ls142 ws1f1\">To<span class=\"_ _8\"></span>t<span class=\"_ _a\"></span>a<span class=\"_ _a\"></span>l<span class=\"_ _8\"></span>t<span class=\"_ _b8\"> </span><span class=\"ls0 ws0\">Sikkerhe<span class=\"_ _1\"></span>tsniv<span class=\"_ _1\"></span>\u00e5</span></span></span><span style=\"display:inherit;clear:left;\">marked</span><span style=\"display:inherit;clear:left;\">marked<span class=\"_ _a3\"> </span><span class=\"ls142 ws1f1\">To<span class=\"_ _8\"></span>t<span class=\"_ _a\"></span>a<span class=\"_ _a\"></span>l<span class=\"_ _8\"></span>t</span></span><span style=\"display:inherit;clear:left;\">7<span class=\"_ _a\"></span>7,<span class=\"_ _a\"></span>5<span class=\"_ _8\"></span> %<span class=\"_ _9e\"> </span><span class=\"ls0 ws0\">88,<span class=\"_ _8\"></span>5 %<span class=\"_ _9e\"> </span>83,2 %<span class=\"_ _b9\"> </span>0 %\u201360 %<span class=\"_ _147\"> </span></span>8<span class=\"_ _a\"></span>7,<span class=\"_ _a\"></span>3<span class=\"_ _a\"></span> %<span class=\"_ _10b\"> </span><span class=\"ls0 ws0\">88<span class=\"_ _8\"></span>,5 %<span class=\"_ _a3\"> </span><span class=\"ls14a ws1fa\">8<span class=\"_ _a\"></span>7,<span class=\"_ _a\"></span>6<span class=\"_ _38\"></span> %</span></span></span><span style=\"display:inherit;clear:left;\">1<span class=\"_ _8\"></span>2<span class=\"_ _8\"></span>,1<span class=\"_ _8\"></span> %<span class=\"_ _cc\"> </span></span><span style=\"display:inherit;clear:left;\">4,9 %<span class=\"_ _d4\"> </span><span class=\"ls120 ws1cb\">8,4 %<span class=\"_ _11a\"> </span></span>60 %\u201380 %<span class=\"_ _190\"> </span>8,8 %<span class=\"_ _d4\"> </span><span class=\"ls10 ws10\">5,0 %<span class=\"_ _dd\"> </span><span class=\"ls14a ws1fa\">7,<span class=\"_ _38\"></span>9<span class=\"_ _38\"></span> %</span></span></span><span style=\"display:inherit;clear:left;\">2,8 %<span class=\"_ _d4\"> </span><span class=\"ls109 ws16b\">0,9<span class=\"_ _8\"></span> %<span class=\"_ _cd\"> </span></span>1,8 %<span class=\"_ _b9\"> </span>80 %\u201390 %<span class=\"_ _79\"> </span>1,4 %<span class=\"_ _d4\"> </span><span class=\"ls109 ws16b\">0,9<span class=\"_ _8\"></span> %<span class=\"_ _cd\"> </span></span>1,3 %</span><span style=\"display:inherit;clear:left;\">0,8<span class=\"_ _8\"></span> %<span class=\"_ _cb\"> </span>0,5<span class=\"_ _8\"></span> %<span class=\"_ _90\"> </span></span><span style=\"display:inherit;clear:left;\">0<span class=\"_ _a\"></span>,7<span class=\"_ _a\"></span> %<span class=\"_ _bd\"> </span></span><span style=\"display:inherit;clear:left;\">90 %\u2013<span class=\"_ _2\"></span>100 %<span class=\"_ _73\"> </span><span class=\"ls109 ws16b\">0,4 %<span class=\"_ _cb\"> </span>0,<span class=\"_ _8\"></span>5 %<span class=\"_ _d4\"> </span>0,4<span class=\"_ _8\"></span> %</span></span><span style=\"display:inherit;clear:left;\">1,0 %<span class=\"_ _cb\"> </span><span class=\"ls84 wsdf\">3,8<span class=\"_ _8\"></span> %<span class=\"_ _d4\"> </span></span>2,4 %<span class=\"_ _b9\"> </span>100 %\u2013<span class=\"_ _261\"> </span></span><span style=\"display:inherit;clear:left;\">0,5<span class=\"_ _8\"></span> %<span class=\"_ _dd\"> </span><span class=\"ls152 ws203\">3<span class=\"_ _a\"></span>,7<span class=\"_ _a\"></span> %<span class=\"_ _87\"> </span></span></span><span style=\"display:inherit;clear:left;\">1,3 %</span><span style=\"display:inherit;clear:left;\">0,0 %<span class=\"_ _b7\"> </span><span class=\"ls0 ws0\">0<span class=\"_ _1\"></span>,3 %<span class=\"_ _d4\"> </span>0,2 %<span class=\"_ _b9\"> </span>Annen sikkerhet<span class=\"_ _142\"> </span><span class=\"ls109 ws16b\">0,0 %<span class=\"_ _b7\"> </span></span>0<span class=\"_ _1\"></span>,3 %<span class=\"_ _cd\"> </span><span class=\"ls146 ws1f6\">0<span class=\"_ _8\"></span>,1<span class=\"_ _a\"></span> %</span></span></span><span style=\"display:inherit;clear:left;\">5<span class=\"_ _8\"></span>,7<span class=\"_ _a\"></span> %<span class=\"_ _8a\"> </span><span class=\"ls0 ws0\">1,0 %<span class=\"_ _cb\"> </span>3,3 %<span class=\"_ _b9\"> </span>Usikret<span class=\"_ _1e3\"> </span>1,<span class=\"_ _2\"></span>7 %<span class=\"_ _89\"> </span>1,0 %<span class=\"_ _89\"> </span>1,5 %</span></span><span style=\"display:inherit;clear:left;\">100,<span class=\"_ _1\"></span>0 %<span class=\"_ _d0\"> </span>100,0 %<span class=\"_ _d0\"> </span>100,0 %<span class=\"_ _b9\"> </span>Sum<span class=\"_ _262\"> </span>100,<span class=\"_ _1\"></span>0 %<span class=\"_ _d0\"> </span>100,0 %<span class=\"_ _d0\"> </span>100,0 %</span><span style=\"display:inherit;clear:left;\">31/12-<span class=\"_ _1\"></span>2022<span class=\"_ _1bf\"> </span>31/12<span class=\"_ _1\"></span>-<span class=\"_ _1\"></span>2022</span><span style=\"display:inherit;clear:left;\">Pers<span class=\"_ _8\"></span>on-</span><span style=\"display:inherit;clear:left;\">Be<span class=\"_ _8\"></span>d<span class=\"_ _8\"></span>ri<span class=\"_ _8\"></span>ft<span class=\"_ _8\"></span>s-<span class=\"ls0 ws0\"> </span></span><span style=\"display:inherit;clear:left;\">Pers<span class=\"_ _8\"></span>on-</span><span style=\"display:inherit;clear:left;\">Be<span class=\"_ _8\"></span>d<span class=\"_ _8\"></span>ri<span class=\"_ _8\"></span>ft<span class=\"_ _8\"></span>s-<span class=\"ls0 ws0\"> </span></span><span style=\"display:inherit;clear:left;\">marked</span><span style=\"display:inherit;clear:left;\">marked<span class=\"_ _a3\"> </span><span class=\"ls142 ws1f1\">To<span class=\"_ _8\"></span>t<span class=\"_ _a\"></span>a<span class=\"_ _a\"></span>l<span class=\"_ _8\"></span>t<span class=\"_ _b8\"> </span><span class=\"ls0 ws0\">Sikkerhe<span class=\"_ _1\"></span>tsniv<span class=\"_ _1\"></span>\u00e5</span></span></span><span style=\"display:inherit;clear:left;\">marked</span><span style=\"display:inherit;clear:left;\">marked<span class=\"_ _a3\"> </span><span class=\"ls142 ws1f1\">To<span class=\"_ _8\"></span>t<span class=\"_ _a\"></span>a<span class=\"_ _a\"></span>l<span class=\"_ _8\"></span>t</span></span><span style=\"display:inherit;clear:left;\">78,<span class=\"_ _8\"></span>5 %<span class=\"_ _10b\"> </span><span class=\"ls0 ws0\">88<span class=\"_ _8\"></span>,3 %<span class=\"_ _9e\"> </span><span class=\"ls84 wsdf\">83,9<span class=\"_ _8\"></span> %<span class=\"_ _11a\"> </span></span>0 %\u201360 %<span class=\"_ _190\"> </span>86,9 %<span class=\"_ _1b4\"> </span>8<span class=\"_ _8\"></span>8,3 %<span class=\"_ _a3\"> </span>87<span class=\"_ _0\"></span>,2 %</span></span><span style=\"display:inherit;clear:left;\">1<span class=\"_ _8\"></span>0<span class=\"_ _8\"></span>,7<span class=\"_ _8\"></span> %<span class=\"_ _cb\"> </span></span><span style=\"display:inherit;clear:left;\">5<span class=\"_ _8\"></span>,3 %<span class=\"_ _cd\"> </span><span class=\"ls14a ws1fa\">7,<span class=\"_ _8\"></span>7<span class=\"_ _38\"></span> %<span class=\"_ _bd\"> </span></span>60 %\u201380 %<span class=\"_ _190\"> </span></span><span style=\"display:inherit;clear:left;\">8,9 %<span class=\"_ _19a\"> </span><span class=\"ls12 ws12\">5,4 %<span class=\"_ _8a\"> </span><span class=\"ls146 ws1f6\">8<span class=\"_ _a\"></span>,1<span class=\"_ _a\"></span> %</span></span></span><span style=\"display:inherit;clear:left;\">2,2 %<span class=\"_ _89\"> </span>1,<span class=\"_ _1\"></span>0 %<span class=\"_ _89\"> </span>1,5 %<span class=\"_ _b9\"> </span>80 %\u201390 %<span class=\"_ _79\"> </span>1,4 %<span class=\"_ _dd\"> </span>1,0 %<span class=\"_ _89\"> </span>1,3 %</span><span style=\"display:inherit;clear:left;\">0,8<span class=\"_ _8\"></span> %<span class=\"_ _cb\"> </span>0,5<span class=\"_ _8\"></span> %<span class=\"_ _90\"> </span></span><span style=\"display:inherit;clear:left;\">0<span class=\"_ _a\"></span>,7<span class=\"_ _a\"></span> %<span class=\"_ _bd\"> </span></span><span style=\"display:inherit;clear:left;\">90 %\u2013<span class=\"_ _2\"></span>100 %<span class=\"_ _7d\"> </span><span class=\"ls109 ws16b\">0,5 %<span class=\"_ _cb\"> </span>0,<span class=\"_ _8\"></span>5 %<span class=\"_ _b7\"> </span>0,5 %</span></span><span style=\"display:inherit;clear:left;\">1,<span class=\"_ _2\"></span>1 %<span class=\"_ _b7\"> </span><span class=\"ls84 wsdf\">3,8 %<span class=\"_ _b7\"> </span></span>2,5 %<span class=\"_ _b9\"> </span>100 %\u2013<span class=\"_ _261\"> </span></span><span style=\"display:inherit;clear:left;\">0,6<span class=\"_ _8\"></span> %<span class=\"_ _dd\"> </span><span class=\"ls152 ws203\">3<span class=\"_ _a\"></span>,7<span class=\"_ _a\"></span> %<span class=\"_ _87\"> </span></span></span><span style=\"display:inherit;clear:left;\">1,3 %</span><span style=\"display:inherit;clear:left;\">0,0 %<span class=\"_ _b7\"> </span><span class=\"ls0 ws0\">0<span class=\"_ _1\"></span>,3 %<span class=\"_ _d4\"> </span>0,2 %<span class=\"_ _b9\"> </span>Annen sikkerhet<span class=\"_ _142\"> </span><span class=\"ls109 ws16b\">0,0 %<span class=\"_ _b7\"> </span></span>0<span class=\"_ _1\"></span>,3 %<span class=\"_ _cd\"> </span><span class=\"ls146 ws1f6\">0<span class=\"_ _8\"></span>,1<span class=\"_ _a\"></span> %</span></span></span><span style=\"display:inherit;clear:left;\">6,8<span class=\"_ _8\"></span> %<span class=\"_ _cb\"> </span></span><span style=\"display:inherit;clear:left;\">0,9<span class=\"_ _8\"></span> %<span class=\"_ _b7\"> </span></span><span style=\"display:inherit;clear:left;\">3,5 %<span class=\"_ _b8\"> </span><span class=\"ls0 ws0\">Usikr<span class=\"_ _1\"></span>e<span class=\"_ _1\"></span>t<span class=\"_ _1d2\"> </span>1,8 %<span class=\"_ _cb\"> </span><span class=\"ls109 ws16b\">0,8<span class=\"_ _8\"></span> %<span class=\"_ _cd\"> </span></span>1,5 %</span></span><span style=\"display:inherit;clear:left;\">100,<span class=\"_ _1\"></span>0 %<span class=\"_ _d0\"> </span>100,0 %<span class=\"_ _d0\"> </span>100,0 %<span class=\"_ _b9\"> </span>Sum<span class=\"_ _262\"> </span>100,<span class=\"_ _1\"></span>0 %<span class=\"_ _d0\"> </span>100,0 %<span class=\"_ _d0\"> </span>100,0 %</span><span style=\"display:inherit;clear:left;\">No<span class=\"_ _1\"></span>te 1<span class=\"_ _1\"></span>7 Utl<span class=\"_ _1\"></span>\u00e5n til og f<span class=\"_ _0\"></span>ordri<span class=\"_ _8\"></span>nge<span class=\"_ _1\"></span>r p\u00e5 kreditti<span class=\"_ _8\"></span>nstitus<span class=\"_ _1\"></span>jo<span class=\"_ _1\"></span>ner</span><span style=\"display:inherit;clear:left;\">MORBANK<span class=\"_ _12c\"> </span><span class=\"lsc wsc\">KONSERN</span></span><span style=\"display:inherit;clear:left;\">3<span class=\"_ _8\"></span>1/<span class=\"_ _a\"></span>1<span class=\"_ _8\"></span>2-2<span class=\"_ _8\"></span>2<span class=\"_ _57\"> </span>3<span class=\"_ _8\"></span>1<span class=\"_ _8\"></span>/<span class=\"_ _8\"></span>1<span class=\"_ _8\"></span>2-2<span class=\"_ _8\"></span>3<span class=\"_ _267\"> </span>3<span class=\"_ _8\"></span>1/<span class=\"_ _a\"></span>1<span class=\"_ _8\"></span>2-2<span class=\"_ _8\"></span>3<span class=\"_ _57\"> </span>3<span class=\"_ _8\"></span>1<span class=\"_ _8\"></span>/<span class=\"_ _8\"></span>1<span class=\"_ _8\"></span>2-2<span class=\"_ _8\"></span>2</span><span style=\"display:inherit;clear:left;\">19 573<span class=\"_ _10a\"> </span></span><span style=\"display:inherit;clear:left;\">21 229<span class=\"_ _b9\"> </span></span><span style=\"display:inherit;clear:left;\">Uten avtalt l\u00f8petid<span class=\"_ _1\"></span> eller oppsigelsesfrist<span class=\"_ _142\"> </span><span class=\"ls9 ws9\">635<span class=\"_ _cd\"> </span><span class=\"ls0 ws0\">1 018</span></span></span><span style=\"display:inherit;clear:left;\">0<span class=\"_ _b7\"> </span>2 518<span class=\"_ _b9\"> </span></span><span style=\"display:inherit;clear:left;\">Med avtalt l\u00f8petid<span class=\"_ _1\"></span> eller<span class=\"_ _1\"></span> oppsigelsesf<span class=\"_ _1\"></span>rist<span class=\"_ _268\"> </span><span class=\"ls0 ws0\">2 518<span class=\"_ _8b\"> </span>0</span></span><span style=\"display:inherit;clear:left;\">19 573<span class=\"_ _a5\"> </span></span><span style=\"display:inherit;clear:left;\">2<span class=\"_ _8\"></span>3<span class=\"_ _8\"></span> 74<span class=\"_ _a\"></span>8<span class=\"_ _b8\"> </span></span><span style=\"display:inherit;clear:left;\">Utl\u00e5n til og<span class=\"_ _1\"></span> fordring<span class=\"_ _1\"></span>er p\u00e5 kr<span class=\"_ _1\"></span>edittinsti<span class=\"_ _1\"></span>tusjoner<span class=\"_ _269\"> </span><span class=\"ls0 ws0\">3 154<span class=\"_ _90\"> </span>1 018</span></span><span style=\"display:inherit;clear:left;\">Ge<span class=\"_ _8\"></span>og<span class=\"_ _8\"></span>rafi<span class=\"_ _8\"></span>ske o<span class=\"_ _8\"></span>mr\u00e5d<span class=\"_ _8\"></span>er</span><span style=\"display:inherit;clear:left;\">18 820<span class=\"_ _c7\"> </span></span><span style=\"display:inherit;clear:left;\">23 151<span class=\"_ _11a\"> </span></span><span style=\"display:inherit;clear:left;\">V<span class=\"_ _1\"></span>estland<span class=\"_ _26a\"> </span><span class=\"lsf wsf\">2 557<span class=\"_ _65\"> </span><span class=\"ls122 ws1cc\">266</span></span></span><span style=\"display:inherit;clear:left;\">125<span class=\"_ _189\"> </span><span class=\"ls33 ws84\">36<span class=\"_ _8\"></span>8<span class=\"_ _b9\"> </span><span class=\"ls0 ws0\">No<span class=\"_ _8\"></span>rge for \u00f8vr<span class=\"_ _8\"></span>ig<span class=\"_ _26b\"> </span></span>368<span class=\"_ _ba\"> </span></span>125</span><span style=\"display:inherit;clear:left;\">627<span class=\"_ _65\"> </span><span class=\"lsf2 ws154\">229<span class=\"_ _b9\"> </span><span class=\"ls5 ws5\">Utlandet<span class=\"_ _236\"> </span></span>229<span class=\"_ _86\"> </span></span>627</span><span style=\"display:inherit;clear:left;\">19 573<span class=\"_ _a5\"> </span></span><span style=\"display:inherit;clear:left;\">2<span class=\"_ _8\"></span>3<span class=\"_ _8\"></span> 74<span class=\"_ _a\"></span>8<span class=\"_ _b8\"> </span></span><span style=\"display:inherit;clear:left;\">Sum geogra<span class=\"_ _1\"></span>fiske<span class=\"_ _1\"></span> omr\u00e5der<span class=\"_ _26c\"> </span><span class=\"ls0 ws0\">3 154<span class=\"_ _90\"> </span>1 018</span></span><span style=\"display:inherit;clear:left;\">Utl\u00e5n til<span class=\"_ _1\"></span> og for<span class=\"_ _1\"></span>dringer<span class=\"_ _1\"></span> p\u00e5 kredi<span class=\"_ _1\"></span>ttinstitusjoner<span class=\"_ _1\"></span> vurder<span class=\"_ _1\"></span>es til amortisert kost. F<span class=\"_ _1\"></span>orven<span class=\"_ _1\"></span>tet tap<span class=\"_ _1\"></span> knyttet til<span class=\"_ _1\"></span> denne r<span class=\"_ _1\"></span>egskaps<span class=\"_ _1\"></span>-</span><span style=\"display:inherit;clear:left;\">po<span class=\"_ _8\"></span>sten vu<span class=\"_ _8\"></span>rdere<span class=\"_ _8\"></span>s \u00e5 v\u00e6re uves<span class=\"_ _8\"></span>entl<span class=\"_ _8\"></span>ig og d<span class=\"_ _8\"></span>et er d<span class=\"_ _8\"></span>er<span class=\"_ _8\"></span>for ikke fo<span class=\"_ _8\"></span>retatt n<span class=\"_ _8\"></span>oen t<span class=\"_ _8\"></span>aps<span class=\"_ _8\"></span>ned<span class=\"_ _8\"></span>skri<span class=\"_ _8\"></span>vin<span class=\"_ _8\"></span>g.</span><span style=\"display:inherit;clear:left;\">No<span class=\"_ _1\"></span>te 18 Garantie<span class=\"_ _1\"></span>r og pan<span class=\"_ _1\"></span>tstillelse<span class=\"_ _1\"></span>r</span><span style=\"display:inherit;clear:left;\">MORBANK<span class=\"_ _12c\"> </span><span class=\"lsc wsc\">KONSERN</span></span><span style=\"display:inherit;clear:left;\">3<span class=\"_ _8\"></span>1/<span class=\"_ _a\"></span>1<span class=\"_ _8\"></span>2-2<span class=\"_ _8\"></span>2<span class=\"_ _57\"> </span>3<span class=\"_ _8\"></span>1<span class=\"_ _8\"></span>/<span class=\"_ _8\"></span>1<span class=\"_ _8\"></span>2-2<span class=\"_ _8\"></span>3<span class=\"_ _b8\"> </span></span><span style=\"display:inherit;clear:left;\">T<span class=\"_ _2\"></span>ypefordeling<span class=\"_ _1\"></span> av<span class=\"_ _1\"></span> garant<span class=\"_ _1\"></span>ier<span class=\"_ _f6\"> </span><span class=\"ls13 ws13\">3<span class=\"_ _8\"></span>1/<span class=\"_ _a\"></span>1<span class=\"_ _8\"></span>2-2<span class=\"_ _8\"></span>3<span class=\"_ _57\"> </span>3<span class=\"_ _8\"></span>1<span class=\"_ _8\"></span>/<span class=\"_ _8\"></span>1<span class=\"_ _8\"></span>2-2<span class=\"_ _8\"></span>2</span></span><span style=\"display:inherit;clear:left;\">1 866<span class=\"_ _90\"> </span></span><span style=\"display:inherit;clear:left;\">1 7<span class=\"_ _8\"></span>70<span class=\"_ _11a\"> </span></span><span style=\"display:inherit;clear:left;\">Betalingsgarantier<span class=\"_ _167\"> </span><span class=\"ls4a ws9d\">1<span class=\"_ _8\"></span> 76<span class=\"_ _8\"></span>7<span class=\"_ _cb\"> </span></span></span><span style=\"display:inherit;clear:left;\">1 864</span><span style=\"display:inherit;clear:left;\">912<span class=\"_ _86\"> </span></span><span style=\"display:inherit;clear:left;\">8<span class=\"_ _8\"></span>78<span class=\"_ _11a\"> </span></span><span style=\"display:inherit;clear:left;\">Kon<span class=\"_ _1\"></span>traktsgarantier<span class=\"_ _263\"> </span><span class=\"ls108 ws16a\">878<span class=\"_ _94\"> </span><span class=\"ls122 ws1cc\">912</span></span></span><span style=\"display:inherit;clear:left;\">85<span class=\"_ _17\"> </span></span><span style=\"display:inherit;clear:left;\">81<span class=\"_ _b9\"> </span></span><span style=\"display:inherit;clear:left;\">Garantier f<span class=\"_ _1\"></span>or ska<span class=\"_ _1\"></span>tter<span class=\"_ _264\"> </span><span class=\"ls33 ws84\">81<span class=\"_ _12\"> </span><span class=\"ls2 ws2\">85</span></span></span><span style=\"display:inherit;clear:left;\">259<span class=\"_ _ba\"> </span></span><span style=\"display:inherit;clear:left;\">315<span class=\"_ _11a\"> </span></span><span style=\"display:inherit;clear:left;\">Annet garan<span class=\"_ _1\"></span>tiansvar<span class=\"_ _7f\"> </span><span class=\"ls125 ws1cf\">270<span class=\"_ _6e\"> </span><span class=\"lsa wsa\">2<span class=\"_ _8\"></span>14</span></span></span><span style=\"display:inherit;clear:left;\">3 122<span class=\"_ _db\"> </span></span><span style=\"display:inherit;clear:left;\">3 04<span class=\"_ _8\"></span>3<span class=\"_ _b9\"> </span></span><span style=\"display:inherit;clear:left;\">Garantiansv<span class=\"_ _1\"></span>ar o<span class=\"_ _1\"></span>verfor ku<span class=\"_ _1\"></span>nder<span class=\"_ _265\"> </span><span class=\"ls0 ws0\">2 996<span class=\"_ _c9\"> </span><span class=\"ls21 ws175\">3 075</span></span></span><span style=\"display:inherit;clear:left;\">10<span class=\"_ _8\"></span>1 573<span class=\"_ _10a\"> </span><span class=\"lsd wsd\">11<span class=\"_ _1\"></span> 000<span class=\"_ _b9\"> </span><span class=\"lse wse\">Konsernintern likviditetsfasilite<span class=\"_ _1\"></span>t</span></span></span><span style=\"display:inherit;clear:left;\">104 695<span class=\"_ _19\"> </span></span><span style=\"display:inherit;clear:left;\">14 0<span class=\"_ _8\"></span>43<span class=\"_ _11a\"> </span></span><span style=\"display:inherit;clear:left;\">Sum garantians<span class=\"_ _1\"></span>var<span class=\"_ _15f\"> </span><span class=\"ls0 ws0\">2 996<span class=\"_ _dc\"> </span><span class=\"ls83 wsdd\">3 075</span></span></span><span style=\"display:inherit;clear:left;\">Pantstillelser</span><span style=\"display:inherit;clear:left;\">1 2<span class=\"_ _8\"></span>70<span class=\"_ _cb\"> </span></span><span style=\"display:inherit;clear:left;\">1 035<span class=\"_ _11a\"> </span></span><span style=\"display:inherit;clear:left;\">P\u00e5lydende v<span class=\"_ _1\"></span>erdi<span class=\"_ _1\"></span> p\u00e5 obligasjoner deponert hos Clearinghus<span class=\"_ _214\"> </span><span class=\"ls0 ws0\">1 0<span class=\"_ _8\"></span>35<span class=\"_ _b7\"> </span><span class=\"ls125 ws1cf\">1<span class=\"_ _8\"></span> 270</span></span></span><span style=\"display:inherit;clear:left;\">20 73<span class=\"_ _8\"></span>9<span class=\"_ _d8\"> </span></span><span style=\"display:inherit;clear:left;\">18<span class=\"_ _8\"></span> 52<span class=\"_ _8\"></span>1<span class=\"_ _11a\"> </span></span><span style=\"display:inherit;clear:left;\">P\u00e5ly<span class=\"_ _1\"></span>dende ver<span class=\"_ _1\"></span>di p\u00e5<span class=\"_ _1\"></span> obligasjoner deponert i Norges<span class=\"_ _1\"></span> Bank<span class=\"_ _20b\"> </span><span class=\"ls126 ws1d0\">18<span class=\"_ _8\"></span> 521<span class=\"_ _ea\"> </span><span class=\"ls120 ws1cb\">2<span class=\"_ _8\"></span>0 739</span></span></span><span style=\"display:inherit;clear:left;\">22 009<span class=\"_ _5b\"> </span>19 55<span class=\"_ _8\"></span>6<span class=\"_ _b9\"> </span><span class=\"lsd wsd\">Sum pantstillelser<span class=\"_ _266\"> </span></span>19 556<span class=\"_ _111\"> </span>22 009</span><span style=\"display:inherit;clear:left;\">Note 19 Ser<span class=\"_ _8\"></span>t<span class=\"_ _8\"></span>ifi<span class=\"_ _8\"></span>kater og obligasjoner</span><span style=\"display:inherit;clear:left;\">KONSERN<span class=\"_ _1\"></span> </span><span style=\"display:inherit;clear:left;\">31/12<span class=\"_ _1\"></span>-2<span class=\"_ _1\"></span>0<span class=\"_ _1\"></span>23</span><span style=\"display:inherit;clear:left;\">F<span class=\"_ _2\"></span>ordelt p\u00e5 sektor<span class=\"_ _2\"></span>er<span class=\"_ _14e\"> </span>Spr<span class=\"_ _1\"></span>ea<span class=\"_ _1\"></span>drisiko<span class=\"_ _8a\"> </span>Kos<span class=\"_ _1\"></span>tpris<span class=\"_ _53\"> </span>Marke<span class=\"_ _1\"></span>dsv<span class=\"_ _1\"></span>er<span class=\"_ _1\"></span>di<span class=\"_ _26d\"> </span>Rel. for<span class=\"_ _2\"></span>deling</span><span style=\"display:inherit;clear:left;\">St<span class=\"_ _8\"></span>at<span class=\"_ _26e\"> </span><span class=\"ls0 ws0\">0<span class=\"_ _17\"> </span><span class=\"ls108 ws16a\">4 945<span class=\"_ _91\"> </span></span>4 915<span class=\"_ _a1\"> </span>13 %</span></span><span style=\"display:inherit;clear:left;\">Bank og finans \u2013 sta<span class=\"_ _1\"></span>tsg<span class=\"_ _1\"></span>ar<span class=\"_ _1\"></span>ant<span class=\"_ _1\"></span>ert<span class=\"_ _24e\"> </span></span><span style=\"display:inherit;clear:left;\">40<span class=\"_ _16\"> </span></span><span style=\"display:inherit;clear:left;\">5<span class=\"_ _8\"></span> 894<span class=\"_ _8d\"> </span><span class=\"ls82 ws14b\">5 980<span class=\"_ _a1\"> </span></span></span><span style=\"display:inherit;clear:left;\">16 %</span><span style=\"display:inherit;clear:left;\">Off<span class=\"_ _1\"></span>entlig sekt<span class=\"_ _1\"></span>or \u2013 st<span class=\"_ _1\"></span>a<span class=\"_ _1\"></span>tsgar<span class=\"_ _1\"></span>an<span class=\"_ _1\"></span>tert<span class=\"_ _26f\"> </span>10<span class=\"_ _10\"> </span>1 277<span class=\"_ _8b\"> </span><span class=\"ls125 ws1cf\">1 26<span class=\"_ _8\"></span>8<span class=\"_ _25\"> </span></span>3 %</span><span style=\"display:inherit;clear:left;\">Obligasjoner med f<span class=\"_ _1\"></span>ortrinnsre<span class=\"_ _1\"></span>t<span class=\"_ _1\"></span>t<span class=\"_ _153\"> </span></span><span style=\"display:inherit;clear:left;\">290<span class=\"_ _5d\"> </span><span class=\"ls135 ws1e2\">20<span class=\"_ _8\"></span> 892<span class=\"_ _98\"> </span></span></span><span style=\"display:inherit;clear:left;\">21 014</span><span style=\"display:inherit;clear:left;\"><span class=\"_ _96\"> </span><span class=\"ls31 ws81\">57<span class=\"_ _8\"></span> %</span></span><span style=\"display:inherit;clear:left;\">Kommuner og fylkesk<span class=\"_ _1\"></span>ommuner<span class=\"_ _1b7\"> </span>9<span class=\"_ _17\"> </span>2 900<span class=\"_ _8d\"> </span><span class=\"ls136 ws1e3\">2 930<span class=\"_ _e7\"> </span></span>8 %</span><span style=\"display:inherit;clear:left;\">Bank og finans<span class=\"_ _270\"> </span>1<span class=\"_ _a2\"> </span><span class=\"ls82 ws14b\">450<span class=\"_ _20e\"> </span>453<span class=\"_ _13\"> </span></span>1 %</span><span style=\"display:inherit;clear:left;\">F<span class=\"_ _2\"></span>oretak og anne<span class=\"_ _1\"></span>t<span class=\"_ _1e1\"> </span>0<span class=\"_ _69\"> </span>1<span class=\"_ _67\"> </span>1<span class=\"_ _118\"> </span>0 %</span><span style=\"display:inherit;clear:left;\">Sertifika<span class=\"_ _1\"></span>t<span class=\"_ _1\"></span>er og obligasjoner<span class=\"_ _25f\"> </span></span><span style=\"display:inherit;clear:left;\">350<span class=\"_ _74\"> </span></span><span style=\"display:inherit;clear:left;\">36 3<span class=\"_ _8\"></span>59<span class=\"_ _94\"> </span><span class=\"ls135 ws1e2\">36 56<span class=\"_ _8\"></span>0<span class=\"_ _17\"> </span></span></span><span style=\"display:inherit;clear:left;\">100 %</span><span style=\"display:inherit;clear:left;\">I portef<span class=\"_ _1\"></span>\u00f8ljen de<span class=\"_ _1\"></span>finert o<span class=\"_ _1\"></span>ven<span class=\"_ _1\"></span>f<span class=\"_ _1\"></span>or utgj\u00f8r 2 7<span class=\"_ _0\"></span>42 millioner kr<span class=\"_ _1\"></span>oner gr<span class=\"_ _1\"></span>\u00f8nne/ESG-obligasjoner<span class=\"_ _0\"></span>.</span><span style=\"display:inherit;clear:left;\">31/12<span class=\"_ _1\"></span>-2<span class=\"_ _1\"></span>0<span class=\"_ _1\"></span>22</span><span style=\"display:inherit;clear:left;\">F<span class=\"_ _2\"></span>ordelt p\u00e5 sektor<span class=\"_ _2\"></span>er<span class=\"_ _14e\"> </span>Spr<span class=\"_ _1\"></span>ea<span class=\"_ _1\"></span>drisiko<span class=\"_ _8a\"> </span>Kos<span class=\"_ _1\"></span>tpris<span class=\"_ _53\"> </span>Marke<span class=\"_ _1\"></span>dsv<span class=\"_ _1\"></span>er<span class=\"_ _1\"></span>di<span class=\"_ _26d\"> </span>Rel. for<span class=\"_ _2\"></span>deling</span><span style=\"display:inherit;clear:left;\">St<span class=\"_ _8\"></span>at<span class=\"_ _26e\"> </span><span class=\"ls0 ws0\">0<span class=\"_ _8d\"> </span><span class=\"ls125 ws1cf\">7 020<span class=\"_ _91\"> </span><span class=\"ls132 ws1de\">6<span class=\"_ _8\"></span> 873<span class=\"_ _3d\"> </span></span></span>22 %</span></span><span style=\"display:inherit;clear:left;\">Bank og finans \u2013 sta<span class=\"_ _1\"></span>tsg<span class=\"_ _1\"></span>ar<span class=\"_ _1\"></span>ant<span class=\"_ _1\"></span>ert<span class=\"_ _1e7\"> </span></span><span style=\"display:inherit;clear:left;\">29<span class=\"_ _17\"> </span><span class=\"ls108 ws16a\">4 946<span class=\"_ _78\"> </span></span></span><span style=\"display:inherit;clear:left;\">4 902</span><span style=\"display:inherit;clear:left;\"><span class=\"_ _a1\"> </span></span><span style=\"display:inherit;clear:left;\">16 %</span><span style=\"display:inherit;clear:left;\">Off<span class=\"_ _1\"></span>entlig sekt<span class=\"_ _1\"></span>or \u2013 st<span class=\"_ _1\"></span>a<span class=\"_ _1\"></span>tsgar<span class=\"_ _1\"></span>an<span class=\"_ _1\"></span>tert<span class=\"_ _153\"> </span>11<span class=\"_ _a2\"> </span>1 117<span class=\"_ _a1\"> </span>1 116<span class=\"_ _118\"> </span>4 %</span><span style=\"display:inherit;clear:left;\">Obligasjoner med f<span class=\"_ _1\"></span>ortrinnsre<span class=\"_ _1\"></span>t<span class=\"_ _1\"></span>t<span class=\"_ _153\"> </span><span class=\"ls4a ws9d\">24<span class=\"_ _8\"></span>8<span class=\"_ _78\"> </span></span>15 571<span class=\"_ _12\"> </span>15 57<span class=\"_ _1\"></span>9<span class=\"_ _a1\"> </span><span class=\"ls139 ws1e6\">51<span class=\"_ _8\"></span> %</span></span><span style=\"display:inherit;clear:left;\">Kommuner og fylkesk<span class=\"_ _1\"></span>ommuner<span class=\"_ _271\"> </span>21<span class=\"_ _8d\"> </span></span><span style=\"display:inherit;clear:left;\">2 036<span class=\"_ _78\"> </span><span class=\"ls108 ws16a\">2<span class=\"_ _8\"></span> 045<span class=\"_ _e7\"> </span></span></span><span style=\"display:inherit;clear:left;\">7 %</span><span style=\"display:inherit;clear:left;\">Bank og finans<span class=\"_ _270\"> </span>1<span class=\"_ _9d\"> </span><span class=\"ls12c ws1d6\">300<span class=\"_ _25\"> </span>301<span class=\"_ _13\"> </span></span>1 %</span><span style=\"display:inherit;clear:left;\">F<span class=\"_ _2\"></span>oretak og anne<span class=\"_ _1\"></span>t<span class=\"_ _1e1\"> </span>0<span class=\"_ _c8\"> </span>8<span class=\"_ _43\"> </span>8<span class=\"_ _df\"> </span>0 %</span><span style=\"display:inherit;clear:left;\">Sertifika<span class=\"_ _1\"></span>t<span class=\"_ _1\"></span>er og obligasjoner<span class=\"_ _272\"> </span><span class=\"ls126 ws1d0\">310<span class=\"_ _74\"> </span></span>31 000<span class=\"_ _94\"> </span><span class=\"ls15 ws15\">30<span class=\"_ _8\"></span> 825<span class=\"_ _17\"> </span></span>100 %</span><span style=\"display:inherit;clear:left;\">I portef<span class=\"_ _1\"></span>\u00f8ljen de<span class=\"_ _1\"></span>finert o<span class=\"_ _1\"></span>ven<span class=\"_ _1\"></span>f<span class=\"_ _1\"></span>or utgj\u00f8r 1 4<span class=\"_ _1\"></span>9<span class=\"_ _1\"></span>2 millioner kroner gr<span class=\"_ _1\"></span>\u00f8nne/E<span class=\"_ _1\"></span>SG-obligasjoner<span class=\"_ _0\"></span>.</span><span style=\"display:inherit;clear:left;\">MORBANK </span><span style=\"display:inherit;clear:left;\">31/12<span class=\"_ _1\"></span>-2<span class=\"_ _1\"></span>0<span class=\"_ _1\"></span>23</span><span style=\"display:inherit;clear:left;\">F<span class=\"_ _2\"></span>ordelt p\u00e5 sektor<span class=\"_ _2\"></span>er<span class=\"_ _14e\"> </span>Spr<span class=\"_ _1\"></span>ea<span class=\"_ _1\"></span>drisiko<span class=\"_ _8a\"> </span>Kos<span class=\"_ _1\"></span>tpris<span class=\"_ _53\"> </span>Marke<span class=\"_ _1\"></span>dsv<span class=\"_ _1\"></span>er<span class=\"_ _1\"></span>di<span class=\"_ _26d\"> </span>Rel. for<span class=\"_ _2\"></span>deling</span><span style=\"display:inherit;clear:left;\">St<span class=\"_ _8\"></span>at<span class=\"_ _26e\"> </span><span class=\"ls0 ws0\">0<span class=\"_ _17\"> </span><span class=\"ls108 ws16a\">4 945<span class=\"_ _91\"> </span></span>4 915<span class=\"_ _95\"> </span>14 %</span></span><span style=\"display:inherit;clear:left;\">Bank og finans \u2013 sta<span class=\"_ _1\"></span>tsg<span class=\"_ _1\"></span>ar<span class=\"_ _1\"></span>ant<span class=\"_ _1\"></span>ert<span class=\"_ _1e7\"> </span></span><span style=\"display:inherit;clear:left;\">36<span class=\"_ _17\"> </span></span><span style=\"display:inherit;clear:left;\">4 945<span class=\"_ _8d\"> </span><span class=\"ls125 ws1cf\">5<span class=\"_ _8\"></span> 032<span class=\"_ _68\"> </span></span></span><span style=\"display:inherit;clear:left;\">15 %</span><span style=\"display:inherit;clear:left;\">Off<span class=\"_ _1\"></span>entlig sekt<span class=\"_ _1\"></span>or \u2013 st<span class=\"_ _1\"></span>a<span class=\"_ _1\"></span>tsgar<span class=\"_ _1\"></span>an<span class=\"_ _1\"></span>tert<span class=\"_ _26f\"> </span>10<span class=\"_ _10\"> </span>1 277<span class=\"_ _8b\"> </span><span class=\"ls125 ws1cf\">1 26<span class=\"_ _8\"></span>8<span class=\"_ _118\"> </span></span>4 %</span><span style=\"display:inherit;clear:left;\">Obligasjoner med f<span class=\"_ _1\"></span>ortrinnsre<span class=\"_ _1\"></span>t<span class=\"_ _1\"></span>t<span class=\"_ _273\"> </span><span class=\"ls4a ws9d\">276<span class=\"_ _12\"> </span></span>19 2<span class=\"_ _1\"></span>08<span class=\"_ _17\"> </span>19 317<span class=\"_ _96\"> </span><span class=\"ls31 ws81\">57<span class=\"_ _8\"></span> %</span></span><span style=\"display:inherit;clear:left;\">Kommuner og fylkesk<span class=\"_ _1\"></span>ommuner<span class=\"_ _272\"> </span>9<span class=\"_ _78\"> </span>2 900<span class=\"_ _8d\"> </span><span class=\"ls136 ws1e3\">2 930<span class=\"_ _25\"> </span></span>9 %</span><span style=\"display:inherit;clear:left;\">Bank og finans<span class=\"_ _270\"> </span>1<span class=\"_ _a2\"> </span><span class=\"ls82 ws14b\">450<span class=\"_ _20e\"> </span>453<span class=\"_ _13\"> </span></span>1 %</span><span style=\"display:inherit;clear:left;\">F<span class=\"_ _2\"></span>oretak og anne<span class=\"_ _1\"></span>t<span class=\"_ _1e1\"> </span>0<span class=\"_ _69\"> </span>1<span class=\"_ _67\"> </span>1<span class=\"_ _118\"> </span>0 %</span><span style=\"display:inherit;clear:left;\">Sertifika<span class=\"_ _1\"></span>t<span class=\"_ _1\"></span>er og obligasjoner<span class=\"_ _274\"> </span></span><span style=\"display:inherit;clear:left;\">332<span class=\"_ _93\"> </span><span class=\"ls14f ws200\">33<span class=\"_ _8\"></span> 72<span class=\"_ _8\"></span>6<span class=\"_ _72\"> </span></span></span><span style=\"display:inherit;clear:left;\">33 915</span><span style=\"display:inherit;clear:left;\"><span class=\"_ _18\"> </span></span><span style=\"display:inherit;clear:left;\">100 %</span><span style=\"display:inherit;clear:left;\">31/12<span class=\"_ _1\"></span>-2<span class=\"_ _1\"></span>0<span class=\"_ _1\"></span>22</span><span style=\"display:inherit;clear:left;\">F<span class=\"_ _2\"></span>ordelt p\u00e5 sektor<span class=\"_ _2\"></span>er<span class=\"_ _14e\"> </span>Spr<span class=\"_ _1\"></span>ea<span class=\"_ _1\"></span>drisiko<span class=\"_ _8a\"> </span>Kos<span class=\"_ _1\"></span>tpris<span class=\"_ _53\"> </span>Marke<span class=\"_ _1\"></span>dsv<span class=\"_ _1\"></span>er<span class=\"_ _1\"></span>di<span class=\"_ _26d\"> </span>Rel. for<span class=\"_ _2\"></span>deling</span><span style=\"display:inherit;clear:left;\">St<span class=\"_ _8\"></span>at<span class=\"_ _26e\"> </span><span class=\"ls0 ws0\">0<span class=\"_ _8d\"> </span><span class=\"ls125 ws1cf\">7 020<span class=\"_ _91\"> </span><span class=\"ls132 ws1de\">6<span class=\"_ _8\"></span> 873<span class=\"_ _3d\"> </span></span></span>22 %</span></span><span style=\"display:inherit;clear:left;\">Bank og finans \u2013 sta<span class=\"_ _1\"></span>tsg<span class=\"_ _1\"></span>aran<span class=\"_ _1\"></span>t<span class=\"_ _1\"></span>ert<span class=\"_ _273\"> </span><span class=\"ls83 wsdd\">25<span class=\"_ _91\"> </span></span>4 4<span class=\"_ _1\"></span>12<span class=\"_ _78\"> </span><span class=\"ls12c ws1d6\">4<span class=\"_ _8\"></span> 366<span class=\"_ _4a\"> </span></span>14 %</span><span style=\"display:inherit;clear:left;\">Off<span class=\"_ _1\"></span>entlig sekt<span class=\"_ _1\"></span>or \u2013 st<span class=\"_ _1\"></span>a<span class=\"_ _1\"></span>tsgar<span class=\"_ _1\"></span>an<span class=\"_ _1\"></span>tert<span class=\"_ _153\"> </span>11<span class=\"_ _a2\"> </span>1 117<span class=\"_ _a1\"> </span>1 116<span class=\"_ _118\"> </span>4 %</span><span style=\"display:inherit;clear:left;\">Obligasjoner med f<span class=\"_ _1\"></span>ortrinnsre<span class=\"_ _1\"></span>t<span class=\"_ _1\"></span>t<span class=\"_ _273\"> </span><span class=\"ls13e ws1ec\">247<span class=\"_ _12\"> </span></span>15 42<span class=\"_ _1\"></span>8<span class=\"_ _93\"> </span>15 435<span class=\"_ _66\"> </span><span class=\"ls82 ws14b\">50 %</span></span><span style=\"display:inherit;clear:left;\">Kommuner og fylkesk<span class=\"_ _1\"></span>ommuner<span class=\"_ _271\"> </span>21<span class=\"_ _8d\"> </span></span><span style=\"display:inherit;clear:left;\">2 036<span class=\"_ _78\"> </span><span class=\"ls108 ws16a\">2<span class=\"_ _8\"></span> 045<span class=\"_ _e7\"> </span></span></span><span style=\"display:inherit;clear:left;\">7 %</span><span style=\"display:inherit;clear:left;\">Bank og finans<span class=\"_ _270\"> </span>1<span class=\"_ _9d\"> </span><span class=\"ls12c ws1d6\">300<span class=\"_ _25\"> </span>301<span class=\"_ _13\"> </span></span>1 %</span><span style=\"display:inherit;clear:left;\">Bank og finans \u2013 ansv<span class=\"_ _1\"></span>arlig<span class=\"_ _1\"></span>e l\u00e5n og fondsoblig<span class=\"_ _1\"></span>asjoner<span class=\"_ _275\"> </span>14<span class=\"_ _226\"> </span></span><span style=\"display:inherit;clear:left;\">500<span class=\"_ _97\"> </span><span class=\"ls136 ws1e3\">503<span class=\"_ _e7\"> </span></span></span><span style=\"display:inherit;clear:left;\">2 %</span><span style=\"display:inherit;clear:left;\">F<span class=\"_ _2\"></span>oretak og anne<span class=\"_ _1\"></span>t<span class=\"_ _1e1\"> </span>0<span class=\"_ _c8\"> </span>8<span class=\"_ _43\"> </span>8<span class=\"_ _df\"> </span>0 %</span><span style=\"display:inherit;clear:left;\">Sertifika<span class=\"_ _1\"></span>t<span class=\"_ _1\"></span>er og obligasjoner<span class=\"_ _1b7\"> </span><span class=\"ls126 ws1d0\">319<span class=\"_ _74\"> </span></span>3<span class=\"_ _1\"></span>0 8<span class=\"_ _1\"></span>22<span class=\"_ _108\"> </span>30 648<span class=\"_ _18\"> </span>100 %</span><span style=\"display:inherit;clear:left;\">Sprea<span class=\"_ _1\"></span>drisiko er risik<span class=\"_ _1\"></span>o f<span class=\"_ _1\"></span>or nega<span class=\"_ _1\"></span>tiv<span class=\"_ _1\"></span>e v<span class=\"_ _1\"></span>er<span class=\"_ _1\"></span>diendringer som f<span class=\"_ _1\"></span>\u00f8lg<span class=\"_ _1\"></span>e a<span class=\"_ _1\"></span>v endring i kre<span class=\"_ _1\"></span>dittrisik<span class=\"_ _1\"></span>oen til utst<span class=\"_ _1\"></span>eder a<span class=\"_ _1\"></span>v r<span class=\"_ _1\"></span>ent<span class=\"_ _1\"></span>eins<span class=\"_ _1\"></span>trument<span class=\"_ _1\"></span>et. Spr<span class=\"_ _1\"></span>eadrisik<span class=\"_ _1\"></span>o </span><span style=\"display:inherit;clear:left;\">i tabellen ov<span class=\"_ _1\"></span>er er ber<span class=\"_ _1\"></span>egne<span class=\"_ _1\"></span>t basert p\u00e5 det underli<span class=\"ls14d ws1fd\">gg<span class=\"_ _2\"></span><span class=\"ls0 ws0\">ende instrument<span class=\"_ _1\"></span>ets dur<span class=\"_ _1\"></span>asjon og uts<span class=\"_ _1\"></span>teder<span class=\"_ _1\"></span>s kr<span class=\"_ _1\"></span>edittr<span class=\"_ _1\"></span>a<span class=\"_ _1\"></span>ting slik a<span class=\"_ _1\"></span>t v<span class=\"_ _1\"></span>er<span class=\"_ _1\"></span>dipapir<span class=\"_ _1\"></span>er med </span></span></span><span style=\"display:inherit;clear:left;\">h\u00f8<span class=\"_ _1\"></span>y kredit<span class=\"_ _1\"></span>trisiko f<span class=\"_ _2\"></span>\u00e5r en h\u00f8y<span class=\"_ _1\"></span>ere v<span class=\"_ _1\"></span>ekt enn v<span class=\"_ _1\"></span>er<span class=\"_ _1\"></span>dipapir<span class=\"_ _1\"></span>er med la<span class=\"_ _1\"></span>v kr<span class=\"_ _1\"></span>edittrisik<span class=\"_ _1\"></span>o. Spr<span class=\"_ _1\"></span>ea<span class=\"_ _1\"></span>drisikoen er ber<span class=\"_ _1\"></span>egne<span class=\"_ _1\"></span>t basert p\u00e5 modell utarbeidet a<span class=\"_ _1\"></span>v </span><span style=\"display:inherit;clear:left;\">Finanstils<span class=\"_ _1\"></span>ynet.</span><span style=\"display:inherit;clear:left;\">No<span class=\"_ _1\"></span>te 20 Eieri<span class=\"_ _8\"></span>n<span class=\"_ _1\"></span>ter<span class=\"_ _1\"></span>esser i <span><span style=\"display:inherit;clear:left;\">datte<span class=\"_ _1\"></span>rselska<span class=\"_ _1\"></span>per o<span class=\"_ _1\"></span>g <span><span style=\"display:inherit;clear:left;\">til<span class=\"_ _8\"></span>kny<span class=\"_ _8\"></span>ttede sel<span class=\"_ _1\"></span>skap<span class=\"_ _1\"></span>er</span></span></span></span></span><span style=\"display:inherit;clear:left;\">Datt<span class=\"_ _1\"></span>erselskaper</span><span style=\"display:inherit;clear:left;\">Datter<span class=\"_ _1\"></span>selskaper defineres<span class=\"_ _1\"></span> som selskaper h<span class=\"_ _1\"></span>vor<span class=\"_ _1\"></span> morbanken<span class=\"_ _1\"></span> kan ut<span class=\"_ _1\"></span>\u00f8ve<span class=\"_ _1\"></span> kon<span class=\"_ _1\"></span>troller<span class=\"_ _1\"></span>ende makt ov<span class=\"_ _1\"></span>er selskapets<span class=\"_ _1\"></span> drift (<span class=\"_ _1\"></span>faktisk k<span class=\"_ _1\"></span>ontr<span class=\"_ _1\"></span>oll).<span class=\"_ _1\"></span> </span><span style=\"display:inherit;clear:left;\">Kontr<span class=\"_ _1\"></span>oll f<span class=\"_ _1\"></span>oreligger n\u00e5r<span class=\"_ _1\"></span> inv<span class=\"_ _1\"></span>estor har<span class=\"_ _1\"></span> makt ove<span class=\"_ _1\"></span>r inv<span class=\"_ _1\"></span>esteringsobjektet,<span class=\"_ _1\"></span> er utsatt<span class=\"_ _1\"></span> for e<span class=\"_ _1\"></span>ller har r<span class=\"_ _1\"></span>ettigheter til<span class=\"_ _1\"></span> variabel<span class=\"_ _1\"></span> avk<span class=\"_ _1\"></span>astning fr<span class=\"_ _1\"></span>a </span><span style=\"display:inherit;clear:left;\">inves<span class=\"_ _8\"></span>teri<span class=\"_ _8\"></span>ngso<span class=\"_ _8\"></span>bje<span class=\"_ _8\"></span>ktet<span class=\"_ _8\"></span>, og mu<span class=\"_ _8\"></span>lig<span class=\"_ _8\"></span>het t<span class=\"_ _8\"></span>il \u00e5 br<span class=\"_ _8\"></span>uke mak<span class=\"_ _8\"></span>t ti<span class=\"_ _8\"></span>l \u00e5 sty<span class=\"_ _8\"></span>re de ak<span class=\"_ _8\"></span>ti<span class=\"_ _8\"></span>vitete<span class=\"_ _8\"></span>r hos inve<span class=\"_ _8\"></span>ster<span class=\"_ _8\"></span>ings<span class=\"_ _8\"></span>obj<span class=\"_ _8\"></span>ek<span class=\"_ _8\"></span>tet so<span class=\"_ _8\"></span>m i vese<span class=\"_ _8\"></span>ntli<span class=\"_ _8\"></span>g grad p\u00e5vi<span class=\"_ _8\"></span>rker </span><span style=\"display:inherit;clear:left;\">avkastningen.<span class=\"_ _1\"></span> Kontr<span class=\"_ _1\"></span>ollbegrepet medf\u00f8rer a<span class=\"_ _1\"></span>t k<span class=\"_ _1\"></span>onsolideringsplik<span class=\"_ _8\"></span>t ogs\u00e5 m\u00e5<span class=\"_ _1\"></span> vurderes f<span class=\"_ _1\"></span>or eierskap h<span class=\"_ _1\"></span>vor bank<span class=\"_ _1\"></span>en ikke<span class=\"_ _1\"></span> har </span><span style=\"display:inherit;clear:left;\">aksjemajorite<span class=\"_ _1\"></span>t. I tillegg kan det<span class=\"_ _1\"></span> i visse si<span class=\"_ _1\"></span>tuasjoner oppst\u00e5 k<span class=\"_ _1\"></span>onsolideringsplikt g<span class=\"_ _8\"></span>jennom e<span class=\"_ _1\"></span>t l\u00e5neengasjement,<span class=\"_ _1\"></span> dersom det<span class=\"_ _1\"></span> for<span class=\"_ _1\"></span>eligger </span><span style=\"display:inherit;clear:left;\">s\u00e5 o<span class=\"_ _8\"></span>mfatten<span class=\"_ _8\"></span>de rett<span class=\"_ _8\"></span>ig<span class=\"_ _8\"></span>heter i l<span class=\"_ _8\"></span>\u00e5ne<span class=\"_ _8\"></span>avt<span class=\"_ _8\"></span>ale<span class=\"_ _8\"></span>n at de er eg<span class=\"_ _8\"></span>net t<span class=\"_ _8\"></span>il \u00e5 g<span class=\"_ _8\"></span>i kontrol<span class=\"_ _8\"></span>l. Sli<span class=\"_ _8\"></span>ke retti<span class=\"_ _8\"></span>gh<span class=\"_ _8\"></span>eter m\u00e5 avg<span class=\"_ _8\"></span>rense<span class=\"_ _8\"></span>s mot ord<span class=\"_ _8\"></span>in\u00e6<span class=\"_ _8\"></span>re retti<span class=\"_ _8\"></span>gh<span class=\"_ _8\"></span>eter </span><span style=\"display:inherit;clear:left;\">banken<span class=\"_ _1\"></span> har f<span class=\"_ _1\"></span>or \u00e5 beskyt<span class=\"_ _8\"></span>te<span class=\"_ _1\"></span> sitt l\u00e5neengasjement.</span><span style=\"display:inherit;clear:left;\">Datte<span class=\"_ _8\"></span>rsel<span class=\"_ _8\"></span>ska<span class=\"_ _8\"></span>per kon<span class=\"_ _8\"></span>sol<span class=\"_ _8\"></span>ide<span class=\"_ _8\"></span>res fra det t<span class=\"_ _8\"></span>ids<span class=\"_ _8\"></span>punk<span class=\"_ _8\"></span>tet re<span class=\"_ _8\"></span>ell kont<span class=\"_ _8\"></span>roll e<span class=\"_ _8\"></span>r overf\u00f8<span class=\"_ _8\"></span>rt t<span class=\"_ _8\"></span>il kons<span class=\"_ _8\"></span>ern<span class=\"_ _8\"></span>et. </span><span style=\"display:inherit;clear:left;\">Investeringer<span class=\"_ _1\"></span> i da<span class=\"_ _1\"></span>tterselskaper regnskapsf\u00f8res til<span class=\"_ _1\"></span> kostmetoden i selskapsr<span class=\"_ _1\"></span>egnskapet.</span><span style=\"display:inherit;clear:left;\">Antall<span class=\"_ _1\"></span> </span><span style=\"display:inherit;clear:left;\">Eierandel<span class=\"_ _1\"></span> </span><span style=\"display:inherit;clear:left;\">Datt<span class=\"_ _1\"></span>erselskaper<span class=\"_ _1\"></span> (balansef\u00f8rt v<span class=\"_ _1\"></span>er<span class=\"_ _1\"></span>di morbank)</span><span style=\"display:inherit;clear:left;\">aksjer</span><span style=\"display:inherit;clear:left;\">i %<span class=\"_ _19\"> </span><span class=\"ls13 ws13\">3<span class=\"_ _8\"></span>1<span class=\"_ _8\"></span>/<span class=\"_ _8\"></span>1<span class=\"_ _8\"></span>2-2<span class=\"_ _8\"></span>3<span class=\"_ _19\"> </span>3<span class=\"_ _8\"></span>1<span class=\"_ _8\"></span>/<span class=\"_ _8\"></span>1<span class=\"_ _8\"></span>2-2<span class=\"_ _8\"></span>2</span></span><span style=\"display:inherit;clear:left;\">Sparebanken V<span class=\"_ _2\"></span>est Bo<span class=\"_ _8\"></span>ligkreditt AS<span class=\"_ _14b\"> </span></span><span style=\"display:inherit;clear:left;\">6 500<span class=\"_ _1\"></span> 000<span class=\"_ _6f\"> </span></span><span style=\"display:inherit;clear:left;\">100<span class=\"_ _85\"> </span><span class=\"ls0 ws0\">6 500<span class=\"_ _83\"> </span>4 650</span></span><span style=\"display:inherit;clear:left;\">F<span class=\"_ _2\"></span>ondsobligasjoner klassifisert som egenkapital<span class=\"_ _276\"> </span>0<span class=\"_ _18\"> </span><span class=\"ls21 ws175\">675</span></span><span style=\"display:inherit;clear:left;\">Eiendomsmegler V<span class=\"_ _1\"></span>est AS<span class=\"_ _277\"> </span></span><span style=\"display:inherit;clear:left;\">1 200<span class=\"_ _6f\"> </span></span><span style=\"display:inherit;clear:left;\">100<span class=\"_ _66\"> </span><span class=\"ls128 ws1d2\">83<span class=\"_ _92\"> </span>83</span></span><span style=\"display:inherit;clear:left;\">Jonsv<span class=\"_ _1\"></span>oll Utlei<span class=\"_ _1\"></span>e AS<span class=\"_ _278\"> </span></span><span style=\"display:inherit;clear:left;\">500<span class=\"_ _108\"> </span><span class=\"ls0 ws0\">100<span class=\"_ _df\"> </span>5<span class=\"_ _df\"> </span>5</span></span><span style=\"display:inherit;clear:left;\">Sum da<span class=\"_ _1\"></span>tterselskaper<span class=\"_ _187\"> </span><span class=\"ls0 ws0\">6 5<span class=\"_ _8\"></span>88<span class=\"_ _189\"> </span><span class=\"ls127 ws1d1\">5<span class=\"_ _8\"></span> 41<span class=\"_ _8\"></span>3</span></span></span><span style=\"display:inherit;clear:left;\">Tilknyttede sels<span class=\"_ _1\"></span>kaper</span><span style=\"display:inherit;clear:left;\">Til<span class=\"_ _8\"></span>knyt<span class=\"_ _8\"></span>tet se<span class=\"_ _8\"></span>lsk<span class=\"_ _8\"></span>ap er en e<span class=\"_ _8\"></span>nhet d<span class=\"_ _8\"></span>er kons<span class=\"_ _8\"></span>ern<span class=\"_ _8\"></span>et har b<span class=\"_ _8\"></span>etyd<span class=\"_ _8\"></span>eli<span class=\"_ _8\"></span>g innf<span class=\"_ _8\"></span>ly<span class=\"_ _8\"></span>telse<span class=\"_ _8\"></span>, men i<span class=\"_ _8\"></span>kke kontro<span class=\"_ _8\"></span>ll. B<span class=\"_ _8\"></span>etyd<span class=\"_ _8\"></span>elig i<span class=\"_ _8\"></span>nnfl<span class=\"_ _8\"></span>yte<span class=\"_ _8\"></span>lse a<span class=\"_ _8\"></span>ntas \u00e5 fo<span class=\"_ _8\"></span>reli<span class=\"_ _8\"></span>g<span class=\"_ _8\"></span>ge </span><span style=\"display:inherit;clear:left;\">dersom et<span class=\"_ _1\"></span> for<span class=\"_ _1\"></span>etak dir<span class=\"_ _1\"></span>ekte eller indir<span class=\"_ _1\"></span>ekte (<span class=\"_ _1\"></span>for<span class=\"_ _1\"></span> eksempel g<span class=\"_ _8\"></span>jennom da<span class=\"_ _1\"></span>tterfore<span class=\"_ _1\"></span>tak) k<span class=\"_ _1\"></span>ontroller<span class=\"_ _1\"></span>er 2<span class=\"_ _1\"></span>0 % eller<span class=\"_ _1\"></span> mer a<span class=\"_ _1\"></span>v st<span class=\"_ _1\"></span>emmerettene<span class=\"_ _1\"></span> i </span><span style=\"display:inherit;clear:left;\">foreta<span class=\"_ _8\"></span>ket som d<span class=\"_ _8\"></span>et er inve<span class=\"_ _8\"></span>ster<span class=\"_ _8\"></span>t i, m<span class=\"_ _8\"></span>ed mi<span class=\"_ _8\"></span>ndre d<span class=\"_ _8\"></span>et kla<span class=\"_ _8\"></span>rt k<span class=\"_ _8\"></span>an godt<span class=\"_ _8\"></span>g<span class=\"_ _a\"></span>j\u00f8re<span class=\"_ _8\"></span>s at dett<span class=\"_ _8\"></span>e ikke er t<span class=\"_ _8\"></span>ilfell<span class=\"_ _8\"></span>et. M<span class=\"_ _8\"></span>otsat<span class=\"_ _8\"></span>t g<span class=\"_ _8\"></span>j<span class=\"_ _8\"></span>eld<span class=\"_ _8\"></span>er at ders<span class=\"_ _8\"></span>om et fore<span class=\"_ _8\"></span>tak </span><span style=\"display:inherit;clear:left;\">direk<span class=\"_ _8\"></span>te e<span class=\"_ _8\"></span>ller i<span class=\"_ _8\"></span>ndi<span class=\"_ _8\"></span>rek<span class=\"_ _8\"></span>te (for ekse<span class=\"_ _8\"></span>mpe<span class=\"_ _8\"></span>l g<span class=\"_ _8\"></span>je<span class=\"_ _8\"></span>nno<span class=\"_ _8\"></span>m datte<span class=\"_ _8\"></span>rfo<span class=\"_ _8\"></span>retak<span class=\"_ _8\"></span>) kontrol<span class=\"_ _8\"></span>lerer m<span class=\"_ _8\"></span>ind<span class=\"_ _8\"></span>re enn 20 % av stem<span class=\"_ _8\"></span>meret<span class=\"_ _8\"></span>ten<span class=\"_ _8\"></span>e i foreta<span class=\"_ _8\"></span>ket som de<span class=\"_ _8\"></span>t er </span><span style=\"display:inherit;clear:left;\">inves<span class=\"_ _8\"></span>ter<span class=\"_ _8\"></span>t i, ant<span class=\"_ _8\"></span>as de<span class=\"_ _8\"></span>t at foretaket i<span class=\"_ _8\"></span>kke har n<span class=\"_ _8\"></span>oen b<span class=\"_ _8\"></span>etyd<span class=\"_ _8\"></span>eli<span class=\"_ _8\"></span>g innf<span class=\"_ _8\"></span>lyt<span class=\"_ _8\"></span>else<span class=\"_ _8\"></span>, med m<span class=\"_ _8\"></span>ind<span class=\"_ _8\"></span>re det kl<span class=\"_ _8\"></span>ar<span class=\"_ _8\"></span>t kan go<span class=\"_ _8\"></span>dtg<span class=\"_ _a\"></span>j\u00f8<span class=\"_ _8\"></span>res at foret<span class=\"_ _8\"></span>aket har s<span class=\"_ _8\"></span>lik </span><span style=\"display:inherit;clear:left;\">innflytelse. Investeringer<span class=\"_ _1\"></span> i tilknyttet selskap r<span class=\"_ _1\"></span>egnskapsf\u00f8res etter eg<span class=\"_ _1\"></span>enkapitalmetoden i konsernregnskapet og k<span class=\"_ _1\"></span>ostmetoden i </span><span style=\"display:inherit;clear:left;\">selskapsregnskapet. P\u00e5 kj\u00f8pstidspunktet regnskapsf\u00f8res in<span class=\"_ _1\"></span>vesteringen til<span class=\"_ _1\"></span> anskaffelseskost.</span><span style=\"display:inherit;clear:left;\">Antall </span><span style=\"display:inherit;clear:left;\">Eier<span class=\"_ _1\"></span>andel </span><span style=\"display:inherit;clear:left;\">Tilknyt<span class=\"_ _1\"></span>tede selsk<span class=\"_ _1\"></span>aper (balansef<span class=\"_ _1\"></span>\u00f8rt v<span class=\"_ _1\"></span>er<span class=\"_ _1\"></span>di morbank)</span><span style=\"display:inherit;clear:left;\">aksjer</span><span style=\"display:inherit;clear:left;\">i %<span class=\"_ _c6\"> </span>31/12-<span class=\"_ _1\"></span>23<span class=\"_ _19\"> </span>31/12<span class=\"_ _1\"></span>-22</span><span style=\"display:inherit;clear:left;\">F<span class=\"_ _1\"></span>rende Holding AS<span class=\"_ _279\"> </span></span><span style=\"display:inherit;clear:left;\">2 67<span class=\"_ _2\"></span>5 614<span class=\"_ _c9\"> </span></span><span style=\"display:inherit;clear:left;\">3<span class=\"_ _8\"></span>9,58<span class=\"_ _8d\"> </span><span class=\"ls126 ws1d0\">31<span class=\"_ _8\"></span>0<span class=\"_ _8d\"> </span>310</span></span><span style=\"display:inherit;clear:left;\">Norne Securities AS<span class=\"_ _27a\"> </span>7 7<span class=\"_ _1\"></span>06 7<span class=\"_ _1\"></span>52<span class=\"_ _89\"> </span><span class=\"ls131 ws1dd\">41<span class=\"_ _8\"></span>,<span class=\"_ _8\"></span>8<span class=\"_ _8\"></span>1<span class=\"_ _68\"> </span></span>19<span class=\"_ _a1\"> </span>18</span><span style=\"display:inherit;clear:left;\">Brag<span class=\"_ _1\"></span>e Finans AS<span class=\"_ _139\"> </span>68 33<span class=\"_ _1\"></span>0 60<span class=\"_ _1\"></span>4<span class=\"_ _131\"> </span><span class=\"ls13d ws1eb\">49,<span class=\"_ _8\"></span>99<span class=\"_ _86\"> </span></span>1 060<span class=\"_ _14\"> </span><span class=\"ls120 ws1cb\">960</span></span><span style=\"display:inherit;clear:left;\">Balder Betaling A<span class=\"_ _1\"></span>S<span class=\"_ _1d4\"> </span>10 98<span class=\"_ _1\"></span>0 2<span class=\"_ _1\"></span>7<span class=\"_ _1\"></span>6<span class=\"_ _131\"> </span></span><span style=\"display:inherit;clear:left;\">38,54<span class=\"_ _78\"> </span><span class=\"ls31 ws81\">257<span class=\"_ _17\"> </span></span></span><span style=\"display:inherit;clear:left;\">222</span><span style=\"display:inherit;clear:left;\">F<span class=\"_ _2\"></span>olio AS<span class=\"_ _27b\"> </span>1 610 919<span class=\"_ _cc\"> </span></span><span style=\"display:inherit;clear:left;\">2<span class=\"_ _a\"></span>7,<span class=\"_ _a\"></span>4<span class=\"_ _a\"></span>9<span class=\"_ _95\"> </span><span class=\"ls9 ws9\">35<span class=\"_ _66\"> </span>35</span></span><span style=\"display:inherit;clear:left;\">Sum eierint<span class=\"_ _1\"></span>er<span class=\"_ _1\"></span>esser i tilkn<span class=\"_ _1\"></span>ytt<span class=\"_ _1\"></span>ede selsk<span class=\"_ _1\"></span>aper<span class=\"_ _263\"> </span><span class=\"ls83 wsdd\">1 68<span class=\"_ _8\"></span>1<span class=\"_ _107\"> </span></span>1 544</span><span style=\"display:inherit;clear:left;\">F<span class=\"_ _1\"></span>r<span class=\"_ _1\"></span>ende </span><span style=\"display:inherit;clear:left;\">Tilknyt<span class=\"_ _1\"></span>tede selsk<span class=\"_ _1\"></span>aper (balansef<span class=\"_ _1\"></span>\u00f8rt v<span class=\"_ _1\"></span>er<span class=\"_ _1\"></span>di k<span class=\"_ _1\"></span>onsern) </span><span style=\"display:inherit;clear:left;\">Holding <span class=\"_ _4\"></span> </span><span style=\"display:inherit;clear:left;\">Norne </span><span style=\"display:inherit;clear:left;\">Br<span class=\"_ _1\"></span>age </span><span style=\"display:inherit;clear:left;\">Balder </span><span style=\"display:inherit;clear:left;\">2023</span><span style=\"display:inherit;clear:left;\">Konsern</span><span style=\"display:inherit;clear:left;\">Securities AS</span><span style=\"display:inherit;clear:left;\">Finans AS</span><span style=\"display:inherit;clear:left;\">Betaling A<span class=\"_ _1\"></span>S<span class=\"_ _a5\"> </span>F<span class=\"_ _1\"></span>olio A<span class=\"_ _1\"></span>S<span class=\"_ _108\"> </span>Sum</span><span style=\"display:inherit;clear:left;\">V<span class=\"_ _1\"></span>erdi<span class=\"_ _1\"></span> i balansen<span class=\"_ _1\"></span> ved periodens begynnelse<span class=\"_ _1c\"> </span></span><span style=\"display:inherit;clear:left;\">78<span class=\"_ _8\"></span>3<span class=\"_ _116\"> </span></span><span style=\"display:inherit;clear:left;\">33<span class=\"_ _dd\"> </span></span><span style=\"display:inherit;clear:left;\">1 4<span class=\"_ _1\"></span>14<span class=\"_ _98\"> </span></span><span style=\"display:inherit;clear:left;\">3<span class=\"_ _8\"></span>30<span class=\"_ _3e\"> </span><span class=\"ls125 ws1cf\">26<span class=\"_ _89\"> </span><span class=\"ls126 ws1d0\">2<span class=\"_ _8\"></span> 586</span></span></span><span style=\"display:inherit;clear:left;\">Kapitalf<span class=\"_ _1\"></span>orh\u00f8y<span class=\"_ _2\"></span>else/kj\u00f8p<span class=\"_ _151\"> </span>0<span class=\"_ _69\"> </span>1<span class=\"_ _6f\"> </span>100<span class=\"_ _66\"> </span><span class=\"ls9 ws9\">35<span class=\"_ _4a\"> </span></span>0<span class=\"_ _12\"> </span><span class=\"ls12c ws1d6\">1<span class=\"_ _8\"></span>36</span></span><span style=\"display:inherit;clear:left;\">Utb<span class=\"_ _1\"></span>ytt<span class=\"_ _1\"></span>e/salg<span class=\"_ _27c\"> </span><span class=\"ls6 ws6\">-1<span class=\"_ _8\"></span>3<span class=\"_ _8\"></span>9<span class=\"_ _c8\"> </span></span>0<span class=\"_ _8b\"> </span>0<span class=\"_ _118\"> </span>0<span class=\"_ _4a\"> </span>0<span class=\"_ _74\"> </span><span class=\"ls6 ws6\">-13<span class=\"_ _8\"></span>9</span></span><span style=\"display:inherit;clear:left;\">\u00c5re<span class=\"_ _1\"></span>ts r<span class=\"_ _1\"></span>esulta<span class=\"_ _1\"></span>tandel<span class=\"_ _1a6\"> </span><span class=\"ls139 ws1e6\">51<span class=\"_ _69\"> </span></span>1<span class=\"_ _94\"> </span><span class=\"ls6b wsc3\">1<span class=\"_ _8\"></span>67<span class=\"_ _118\"> </span></span>0<span class=\"_ _8b\"> </span><span class=\"ls120 ws1cb\">-4<span class=\"_ _12\"> </span></span>215</span><span style=\"display:inherit;clear:left;\"><span><span style=\"display:inherit;clear:left;\">V<span class=\"_ _2\"></span>erdi i balansen v<span class=\"_ _1\"></span>ed periodens slutt</span></span><span class=\"_ _b5\"> </span></span><span style=\"display:inherit;clear:left;\">69<span class=\"_ _8\"></span>6<span class=\"_ _b6\"> </span></span><span style=\"display:inherit;clear:left;\">35<span class=\"_ _dd\"> </span></span><span style=\"display:inherit;clear:left;\">1<span class=\"_ _8\"></span> 681<span class=\"_ _98\"> </span><span class=\"ls135 ws1e2\">36<span class=\"_ _8\"></span>5<span class=\"_ _8d\"> </span></span></span><span style=\"display:inherit;clear:left;\">22<span class=\"_ _89\"> </span><span class=\"lsfc ws15e\">2<span class=\"_ _8\"></span> 79<span class=\"_ _8\"></span>8</span></span><span style=\"display:inherit;clear:left;\">F<span class=\"_ _1\"></span>r<span class=\"_ _1\"></span>ende </span><span style=\"display:inherit;clear:left;\">Tilknyt<span class=\"_ _1\"></span>tede selsk<span class=\"_ _1\"></span>aper (balansef<span class=\"_ _1\"></span>\u00f8rt v<span class=\"_ _1\"></span>er<span class=\"_ _1\"></span>di k<span class=\"_ _1\"></span>onsern) </span><span style=\"display:inherit;clear:left;\">Holding <span class=\"_ _4\"></span> </span><span style=\"display:inherit;clear:left;\">Norne </span><span style=\"display:inherit;clear:left;\">Br<span class=\"_ _1\"></span>age </span><span style=\"display:inherit;clear:left;\">Balder </span><span style=\"display:inherit;clear:left;\">2022</span><span style=\"display:inherit;clear:left;\">Konsern</span><span style=\"display:inherit;clear:left;\">Securities AS</span><span style=\"display:inherit;clear:left;\">Finans AS</span><span style=\"display:inherit;clear:left;\">Betaling A<span class=\"_ _1\"></span>S<span class=\"_ _a5\"> </span>F<span class=\"_ _1\"></span>olio A<span class=\"_ _1\"></span>S<span class=\"_ _108\"> </span>Sum</span><span style=\"display:inherit;clear:left;\">V<span class=\"_ _1\"></span>erdi<span class=\"_ _1\"></span> i balansen<span class=\"_ _1\"></span> ved periodens begynnelse<span class=\"_ _1c0\"> </span></span><span style=\"display:inherit;clear:left;\">8<span class=\"_ _8\"></span>42<span class=\"_ _b6\"> </span></span><span style=\"display:inherit;clear:left;\">20<span class=\"_ _b7\"> </span><span class=\"ls138 ws1e5\">1 0<span class=\"_ _8\"></span>82<span class=\"_ _18\"> </span></span>26<span class=\"_ _8\"></span>3<span class=\"_ _9a\"> </span><span class=\"ls0 ws0\">13<span class=\"_ _89\"> </span>2 22<span class=\"_ _1\"></span>0</span></span><span style=\"display:inherit;clear:left;\">\u00d8kning ved fusjon med E<span class=\"_ _2\"></span>tne Sparebank<span class=\"_ _240\"> </span>14<span class=\"_ _21e\"> </span>0<span class=\"_ _72\"> </span><span class=\"ls133 ws1e0\">40<span class=\"_ _118\"> </span></span>4<span class=\"_ _4a\"> </span>0<span class=\"_ _21a\"> </span><span class=\"ls31 ws81\">59</span></span><span style=\"display:inherit;clear:left;\">Kapitalf<span class=\"_ _1\"></span>orh\u00f8y<span class=\"_ _2\"></span>else/kj\u00f8p<span class=\"_ _183\"> </span>11<span class=\"_ _21e\"> </span>0<span class=\"_ _8e\"> </span><span class=\"ls125 ws1cf\">200<span class=\"_ _96\"> </span></span>63<span class=\"_ _91\"> </span>10<span class=\"_ _74\"> </span><span class=\"ls109 ws16b\">28<span class=\"_ _8\"></span>4</span></span><span style=\"display:inherit;clear:left;\">Utb<span class=\"_ _1\"></span>ytt<span class=\"_ _1\"></span>e/salg<span class=\"_ _27c\"> </span><span class=\"ls6 ws6\">-1<span class=\"_ _8\"></span>9<span class=\"_ _8\"></span>8<span class=\"_ _c8\"> </span></span>0<span class=\"_ _6f\"> </span><span class=\"ls133 ws1e0\">-<span class=\"_ _8\"></span>40<span class=\"_ _9c\"> </span></span>0<span class=\"_ _a1\"> </span>0<span class=\"_ _86\"> </span><span class=\"ls84 wsdf\">-238</span></span><span style=\"display:inherit;clear:left;\">\u00c5re<span class=\"_ _1\"></span>ts r<span class=\"_ _1\"></span>esulta<span class=\"_ _1\"></span>tandel<span class=\"_ _177\"> </span>114<span class=\"_ _a0\"> </span>12<span class=\"_ _94\"> </span><span class=\"ls125 ws1cf\">1<span class=\"_ _8\"></span>32<span class=\"_ _118\"> </span></span>0<span class=\"_ _68\"> </span>3<span class=\"_ _93\"> </span><span class=\"ls125 ws1cf\">262</span></span><span style=\"display:inherit;clear:left;\">V<span class=\"_ _2\"></span>erdi i balansen v<span class=\"_ _1\"></span>ed periodens slutt<span class=\"_ _16c\"> </span></span><span style=\"display:inherit;clear:left;\">78<span class=\"_ _8\"></span>3<span class=\"_ _b6\"> </span><span class=\"lsf wsf\">33<span class=\"_ _b7\"> </span></span></span><span style=\"display:inherit;clear:left;\">1 4<span class=\"_ _1\"></span>14<span class=\"_ _14\"> </span></span><span style=\"display:inherit;clear:left;\">330<span class=\"_ _21a\"> </span><span class=\"lsf6 ws158\">26<span class=\"_ _89\"> </span><span class=\"ls13b ws1e8\">2 586</span></span></span><span style=\"display:inherit;clear:left;\">F<span class=\"_ _1\"></span>r<span class=\"_ _1\"></span>ende </span><span style=\"display:inherit;clear:left;\">Norne </span><span style=\"display:inherit;clear:left;\">Holding <span class=\"_ _4\"></span> </span><span style=\"display:inherit;clear:left;\">Securities </span><span style=\"display:inherit;clear:left;\">Br<span class=\"_ _1\"></span>age </span><span style=\"display:inherit;clear:left;\">Balder </span><span style=\"display:inherit;clear:left;\">1)</span><span style=\"display:inherit;clear:left;\">Tilknyt<span class=\"_ _1\"></span>tede selsk<span class=\"_ _1\"></span>aper \u2013 selskapsinf<span class=\"_ _1\"></span>ormasjon \u2013 2<span class=\"_ _1\"></span>0<span class=\"_ _1\"></span>22 </span><span style=\"display:inherit;clear:left;\">Konsern</span><span style=\"display:inherit;clear:left;\">AS</span><span style=\"display:inherit;clear:left;\">Finans AS</span><span style=\"display:inherit;clear:left;\">Betaling A<span class=\"_ _1\"></span>S<span class=\"_ _a5\"> </span>F<span class=\"_ _1\"></span>olio A<span class=\"_ _1\"></span>S</span><span style=\"display:inherit;clear:left;\">Kon<span class=\"_ _1\"></span>tan<span class=\"_ _1\"></span>ter og k<span class=\"_ _1\"></span>on<span class=\"_ _1\"></span>tant<span class=\"_ _1\"></span>ekviv<span class=\"_ _1\"></span>alen<span class=\"_ _1\"></span>ter<span class=\"_ _1c3\"> </span></span><span style=\"display:inherit;clear:left;\">1<span class=\"_ _8\"></span>03<span class=\"_ _21a\"> </span></span><span style=\"display:inherit;clear:left;\">95<span class=\"_ _86\"> </span><span class=\"ls138 ws1e5\">269<span class=\"_ _25\"> </span></span></span><span style=\"display:inherit;clear:left;\">2</span><span style=\"display:inherit;clear:left;\"><span class=\"_ _8b\"> </span></span><span style=\"display:inherit;clear:left;\">15</span><span style=\"display:inherit;clear:left;\">\u00d8vrige oml\u00f8psmidler<span class=\"_ _104\"> </span><span class=\"ls126 ws1d0\">912<span class=\"_ _21a\"> </span></span>65<span class=\"_ _ba\"> </span><span class=\"ls133 ws1e0\">1<span class=\"_ _8\"></span>95<span class=\"_ _df\"> </span></span>2<span class=\"_ _68\"> </span>5</span><span style=\"display:inherit;clear:left;\">Anle</span><span style=\"display:inherit;clear:left;\">gg<span class=\"_ _1\"></span></span><span style=\"display:inherit;clear:left;\">smidler<span class=\"_ _27d\"> </span><span class=\"ls126 ws1d0\">5 991<span class=\"_ _9a\"> </span></span>15<span class=\"_ _a5\"> </span></span><span style=\"display:inherit;clear:left;\">20 5<span class=\"_ _8\"></span>03<span class=\"_ _14\"> </span></span><span style=\"display:inherit;clear:left;\">60<span class=\"_ _8\"></span>6<span class=\"_ _21a\"> </span><span class=\"ls9 ws9\">33</span></span><span style=\"display:inherit;clear:left;\">Sum eiendeler<span class=\"_ _27e\"> </span>7 005<span class=\"_ _14\"> </span><span class=\"ls140 ws1ee\">1<span class=\"_ _a\"></span>74<span class=\"_ _5b\"> </span></span>20 96<span class=\"_ _1\"></span>8<span class=\"_ _78\"> </span></span><span style=\"display:inherit;clear:left;\">610<span class=\"_ _8d\"> </span><span class=\"ls133 ws1e0\">54</span></span><span style=\"display:inherit;clear:left;\">Kortsiktig<span class=\"_ _1\"></span>e finansielle forplikt<span class=\"_ _1\"></span>elser<span class=\"_ _23d\"> </span>0<span class=\"_ _8b\"> </span>16<span class=\"_ _94\"> </span><span class=\"ls126 ws1d0\">331<span class=\"_ _118\"> </span></span>0<span class=\"_ _a1\"> </span>0</span><span style=\"display:inherit;clear:left;\">\u00d8vrig kortsiktig gjeld<span class=\"_ _1fb\"> </span>888<span class=\"_ _75\"> </span></span><span style=\"display:inherit;clear:left;\">74<span class=\"_ _108\"> </span><span class=\"ls125 ws1cf\">2<span class=\"_ _8\"></span>29<span class=\"_ _e9\"> </span></span></span><span style=\"display:inherit;clear:left;\">112</span><span style=\"display:inherit;clear:left;\"><span class=\"_ _4a\"> </span></span><span style=\"display:inherit;clear:left;\">4</span><span style=\"display:inherit;clear:left;\">Langsiktige finansielle f<span class=\"_ _1\"></span>orpliktelser<span class=\"_ _da\"> </span>4 446<span class=\"_ _a1\"> </span>5<span class=\"_ _9e\"> </span>17 334<span class=\"_ _118\"> </span>0<span class=\"_ _4a\"> </span>0</span><span style=\"display:inherit;clear:left;\">\u00d8vrige langsiktig<span class=\"_ _1\"></span>e forplikt<span class=\"_ _1\"></span>elser<span class=\"_ _27f\"> </span><span class=\"ls120 ws1cb\">60<span class=\"_ _4a\"> </span></span>0<span class=\"_ _8e\"> </span><span class=\"ls4a ws9d\">24<span class=\"_ _8\"></span>4<span class=\"_ _118\"> </span></span>0<span class=\"_ _a1\"> </span>0</span><span style=\"display:inherit;clear:left;\">Egenkapital<span class=\"_ _166\"> </span>1 611<span class=\"_ _16\"> </span></span><span style=\"display:inherit;clear:left;\">80<span class=\"_ _cc\"> </span></span><span style=\"display:inherit;clear:left;\">2<span class=\"_ _8\"></span> 829<span class=\"_ _98\"> </span><span class=\"ls13d ws1eb\">49<span class=\"_ _8\"></span>8<span class=\"_ _8d\"> </span></span></span><span style=\"display:inherit;clear:left;\">50</span><span style=\"display:inherit;clear:left;\">Sum egenkapital og gjeld<span class=\"_ _280\"> </span>7 005<span class=\"_ _14\"> </span><span class=\"ls140 ws1ee\">1<span class=\"_ _a\"></span>74<span class=\"_ _5b\"> </span></span>20 96<span class=\"_ _1\"></span>8<span class=\"_ _78\"> </span></span><span style=\"display:inherit;clear:left;\">610<span class=\"_ _8d\"> </span><span class=\"ls133 ws1e0\">54</span></span><span style=\"display:inherit;clear:left;\">Driftsinnt<span class=\"_ _1\"></span>ekter<span class=\"_ _281\"> </span></span><span style=\"display:inherit;clear:left;\">1 039<span class=\"_ _12\"> </span></span><span style=\"display:inherit;clear:left;\">155<span class=\"_ _8e\"> </span><span class=\"ls82 ws14b\">564<span class=\"_ _df\"> </span></span></span><span style=\"display:inherit;clear:left;\">6</span><span style=\"display:inherit;clear:left;\"><span class=\"_ _4a\"> </span></span><span style=\"display:inherit;clear:left;\">4</span><span style=\"display:inherit;clear:left;\">A<span class=\"_ _1\"></span>vskriving<span class=\"_ _1\"></span>er<span class=\"_ _282\"> </span></span><span style=\"display:inherit;clear:left;\">-23<span class=\"_ _8b\"> </span></span><span style=\"display:inherit;clear:left;\">-4<span class=\"_ _94\"> </span><span class=\"ls125 ws1cf\">-20<span class=\"_ _118\"> </span></span></span><span style=\"display:inherit;clear:left;\">0</span><span style=\"display:inherit;clear:left;\"><span class=\"_ _e9\"> </span><span class=\"ls120 ws1cb\">-4</span></span><span style=\"display:inherit;clear:left;\">\u00d8vrige driftsk<span class=\"_ _1\"></span>ostna<span class=\"_ _1\"></span>der<span class=\"_ _7c\"> </span>-64<span class=\"_ _2\"></span>7<span class=\"_ _94\"> </span>-<span class=\"_ _1\"></span>122<span class=\"_ _8e\"> </span><span class=\"ls6 ws6\">-1<span class=\"_ _a\"></span>79<span class=\"_ _a2\"> </span></span>-6<span class=\"_ _16\"> </span><span class=\"ls6 ws6\">-1<span class=\"_ _a\"></span>7</span></span><span style=\"display:inherit;clear:left;\">Annen finansinnt<span class=\"_ _1\"></span>ekt<span class=\"_ _283\"> </span><span class=\"ls13f ws1ed\">83<span class=\"_ _68\"> </span></span>3<span class=\"_ _8b\"> </span>0<span class=\"_ _66\"> </span><span class=\"ls12c ws1d6\">30<span class=\"_ _4a\"> </span></span>0</span><span style=\"display:inherit;clear:left;\">Annen ren<span class=\"_ _1\"></span>t<span class=\"_ _1\"></span>ekos<span class=\"_ _1\"></span>tnad<span class=\"_ _145\"> </span></span><span style=\"display:inherit;clear:left;\">-20<span class=\"_ _10\"> </span><span class=\"ls84 wsdf\">-2<span class=\"_ _9a\"> </span></span></span><span style=\"display:inherit;clear:left;\">0</span><span style=\"display:inherit;clear:left;\"><span class=\"_ _9c\"> </span></span><span style=\"display:inherit;clear:left;\">0</span><span style=\"display:inherit;clear:left;\"><span class=\"_ _a1\"> </span></span><span style=\"display:inherit;clear:left;\">0</span><span style=\"display:inherit;clear:left;\">Ska<span class=\"_ _1\"></span>tt<span class=\"_ _1\"></span>ekos<span class=\"_ _1\"></span>tnad<span class=\"_ _26c\"> </span><span class=\"ls6 ws6\">-1<span class=\"_ _a\"></span>27<span class=\"_ _68\"> </span></span>0<span class=\"_ _74\"> </span><span class=\"ls132 ws1de\">-<span class=\"_ _a\"></span>87<span class=\"_ _df\"> </span></span>0<span class=\"_ _4a\"> </span>0</span><span style=\"display:inherit;clear:left;\">T<span class=\"_ _0\"></span>otalresult<span class=\"_ _1\"></span>a<span class=\"_ _1\"></span>t et<span class=\"_ _1\"></span>ter ska<span class=\"_ _2\"></span>tt<span class=\"_ _284\"> </span></span><span style=\"display:inherit;clear:left;\">305<span class=\"_ _9a\"> </span></span><span style=\"display:inherit;clear:left;\">31<span class=\"_ _6e\"> </span><span class=\"ls61 wsb5\">278<span class=\"_ _96\"> </span></span></span><span style=\"display:inherit;clear:left;\">30</span><span style=\"display:inherit;clear:left;\"><span class=\"_ _16\"> </span><span class=\"ls6 ws6\">-1<span class=\"_ _a\"></span>7</span></span><span style=\"display:inherit;clear:left;\">Mot<span class=\"_ _1\"></span>ta<span class=\"_ _1\"></span>tt utb<span class=\"_ _1\"></span>yt<span class=\"_ _1\"></span>te fr<span class=\"_ _1\"></span>a tilkn<span class=\"_ _1\"></span>ytt<span class=\"_ _1\"></span>et virk<span class=\"_ _1\"></span>somhet  </span><span style=\"display:inherit;clear:left;\">(andel Sparebank<span class=\"_ _1\"></span>en V<span class=\"_ _2\"></span>est)<span class=\"_ _285\"> </span><span class=\"ls82 ws14b\">150<span class=\"_ _a1\"> </span></span>0<span class=\"_ _8b\"> </span>0<span class=\"_ _118\"> </span>0<span class=\"_ _4a\"> </span>0</span><span style=\"display:inherit;clear:left;\">1)</span><span style=\"display:inherit;clear:left;\"> T<span class=\"_ _1\"></span>a<span class=\"_ _1\"></span>bel<span class=\"_ _8\"></span>len vi<span class=\"_ _8\"></span>ser re<span class=\"_ _8\"></span>gnskapstall f<span class=\"_ _1\"></span>or tilknyt<span class=\"_ _2\"></span>tede s<span class=\"_ _8\"></span>elskap fra siste o<span class=\"_ _1\"></span>f<span class=\"_ _1\"></span>fisie<span class=\"_ _8\"></span>lle re<span class=\"_ _8\"></span>gnskap p<span class=\"_ _8\"></span>r. 3<span class=\"_ _1\"></span>1/<span class=\"_ _1\"></span>12<span class=\"_ _1\"></span>-<span class=\"_ _1\"></span>2022 (<span class=\"_ _1\"></span>p\u00e5 100 %<span class=\"_ _1\"></span>-basis)<span class=\"_ _1\"></span>.</span><span style=\"display:inherit;clear:left;\">Kons<span class=\"_ _8\"></span>erne<span class=\"_ _8\"></span>t F<span class=\"_ _1\"></span>rende Fors<span class=\"_ _8\"></span>ikri<span class=\"_ _8\"></span>ng be<span class=\"_ _8\"></span>st<span class=\"_ _8\"></span>\u00e5r av mors<span class=\"_ _8\"></span>els<span class=\"_ _8\"></span>kape<span class=\"_ _8\"></span>t F<span class=\"_ _1\"></span>rende H<span class=\"_ _8\"></span>ol<span class=\"_ _8\"></span>ding A<span class=\"_ _8\"></span>S som v<span class=\"_ _8\"></span>ide<span class=\"_ _8\"></span>reut<span class=\"_ _8\"></span>vikl<span class=\"_ _8\"></span>er og fo<span class=\"_ _8\"></span>rva<span class=\"_ _8\"></span>lter ei<span class=\"_ _8\"></span>ers<span class=\"_ _8\"></span>elsk<span class=\"_ _8\"></span>apet i d<span class=\"_ _8\"></span>e hel<span class=\"_ _8\"></span>eid<span class=\"_ _8\"></span>e </span><span style=\"display:inherit;clear:left;\">datterselskapene F<span class=\"_ _1\"></span>r<span class=\"_ _1\"></span>ende Skadef<span class=\"_ _1\"></span>orsikring AS og F<span class=\"_ _2\"></span>rende Livsforsikring AS.</span><span style=\"display:inherit;clear:left;\">Norne Securities AS<span class=\"_ _1\"></span> er et<span class=\"_ _1\"></span> ver<span class=\"_ _1\"></span>dipapirforetak<span class=\"_ _1\"></span> som tilb<span class=\"_ _1\"></span>yr in<span class=\"_ _1\"></span>vestering<span class=\"_ _1\"></span>stjenester til<span class=\"_ _1\"></span> bedrifts- og<span class=\"_ _1\"></span> priva<span class=\"_ _1\"></span>tmarkedet.<span class=\"_ _1\"></span> </span><span style=\"display:inherit;clear:left;\">Brage Finans AS<span class=\"_ _1\"></span> er et<span class=\"_ _1\"></span> finansieringsselskap og selskapets virksomhetsomr\u00e5de er finansiering a<span class=\"_ _1\"></span>v l\u00f8s\u00f8re, herunder leasing </span><span style=\"display:inherit;clear:left;\">(leiefinansiering) og salgspantl\u00e5n.<span class=\"_ _1\"></span> Distribusjon a<span class=\"_ _1\"></span>v<span class=\"_ _1\"></span> selskapets pr<span class=\"_ _1\"></span>odukter skjer g<span class=\"_ _8\"></span>jennom eierbank<span class=\"_ _1\"></span>er<span class=\"_ _2\"></span>, via<span class=\"_ _1\"></span> forhandler<span class=\"_ _1\"></span>e og gjennom eget </span><span style=\"display:inherit;clear:left;\">salgsappara<span class=\"_ _1\"></span>t. </span><span style=\"display:inherit;clear:left;\">Balder Betaling AS er<span class=\"_ _1\"></span> et sels<span class=\"_ _1\"></span>kap som ut<span class=\"_ _1\"></span>\u00f8v<span class=\"_ _1\"></span>er eiersk<span class=\"_ _1\"></span>apet i Vipps<span class=\"_ _1\"></span> Holding AS f<span class=\"_ _1\"></span>or Spar<span class=\"_ _1\"></span>ebanken<span class=\"_ _1\"></span> V<span class=\"_ _1\"></span>est og fler<span class=\"_ _1\"></span>e andr<span class=\"_ _1\"></span>e spar<span class=\"_ _1\"></span>ebanker<span class=\"_ _0\"></span>. Balder </span><span style=\"display:inherit;clear:left;\">Betaling har en<span class=\"_ _1\"></span> eierandel<span class=\"_ _1\"></span> i Vipps Holding AS<span class=\"_ _1\"></span> p\u00e5 10<span class=\"_ _1\"></span>,49<span class=\"_ _1\"></span> %, og Sparebank<span class=\"_ _1\"></span>en V<span class=\"_ _2\"></span>e<span class=\"_ _8\"></span>st er<span class=\"_ _1\"></span> videre<span class=\"_ _1\"></span> den st\u00f8rst<span class=\"_ _1\"></span>e eier<span class=\"_ _1\"></span>en i<span class=\"_ _1\"></span> Balder med en eier<span class=\"_ _1\"></span>andel </span><span style=\"display:inherit;clear:left;\">p\u00e5 38,54 %. Selskapet sikrer et<span class=\"_ _1\"></span> kra<span class=\"_ _1\"></span>ftfullt norsk alterna<span class=\"_ _1\"></span>tiv til stor<span class=\"_ _1\"></span>e int<span class=\"_ _1\"></span>ernasjonale akt\u00f8rer innenfor<span class=\"_ _1\"></span> betalingsformidling.</span><span style=\"display:inherit;clear:left;\">Folio AS e<span class=\"_ _8\"></span>r et tekn<span class=\"_ _8\"></span>olo<span class=\"_ _8\"></span>g<span class=\"_ _8\"></span>isel<span class=\"_ _8\"></span>skap s<span class=\"_ _8\"></span>om byg<span class=\"_ _8\"></span>ger s<span class=\"_ _8\"></span>mar<span class=\"_ _8\"></span>tere t<span class=\"_ _8\"></span>jene<span class=\"_ _8\"></span>ste<span class=\"_ _8\"></span>r for \u00e5 sta<span class=\"_ _8\"></span>rt<span class=\"_ _8\"></span>e og dri<span class=\"_ _8\"></span>ve et sel<span class=\"_ _8\"></span>ska<span class=\"_ _8\"></span>p.</span><span style=\"display:inherit;clear:left;\">No<span class=\"_ _8\"></span>te<span class=\"_ _8\"></span> 2<span class=\"_ _a\"></span>1<span class=\"_ _8\"></span> Ma<span class=\"_ _8\"></span>r<span class=\"_ _8\"></span>ke<span class=\"_ _8\"></span>d<span class=\"_ _8\"></span>s<span class=\"_ _8\"></span>r<span class=\"_ _8\"></span>i<span class=\"_ _8\"></span>s<span class=\"_ _8\"></span>i<span class=\"_ _8\"></span>ko</span><span style=\"display:inherit;clear:left;\">Sparebank<span class=\"_ _1\"></span>en V<span class=\"_ _1\"></span>est<span class=\"_ _1\"></span> definerer<span class=\"_ _1\"></span> markedsrisik<span class=\"_ _1\"></span>o som<span class=\"_ _1\"></span> risikoen<span class=\"_ _1\"></span> for<span class=\"_ _1\"></span> tap p\u00e5 finansielle<span class=\"_ _1\"></span> instrument<span class=\"_ _1\"></span>er ut<span class=\"_ _1\"></span> fra<span class=\"_ _1\"></span> endringer i<span class=\"_ _1\"></span> markeds<span class=\"_ _1\"></span>variabler<span class=\"_ _1\"></span> og<span class=\"_ _8\"></span>/</span><span style=\"display:inherit;clear:left;\">eller mark<span class=\"_ _1\"></span>edsbetingelser<span class=\"_ _1\"></span> innenfor<span class=\"_ _1\"></span> en spesifisert tidshorisont. Mark<span class=\"_ _1\"></span>edsrisik<span class=\"_ _1\"></span>o oppst\u00e5r som<span class=\"_ _1\"></span> f\u00f8lge<span class=\"_ _1\"></span> a<span class=\"_ _1\"></span>v a<span class=\"_ _1\"></span>t bank<span class=\"_ _1\"></span>en har<span class=\"_ _1\"></span> \u00e5pne posisjoner i<span class=\"_ _1\"></span> </span><span style=\"display:inherit;clear:left;\">uli<span class=\"_ _8\"></span>ke fina<span class=\"_ _8\"></span>nsie<span class=\"_ _8\"></span>lle i<span class=\"_ _8\"></span>nstr<span class=\"_ _8\"></span>ume<span class=\"_ _8\"></span>nter<span class=\"_ _2\"></span>, o<span class=\"_ _8\"></span>g kan d<span class=\"_ _8\"></span>ele<span class=\"_ _8\"></span>s opp i f\u00f8<span class=\"_ _8\"></span>lgen<span class=\"_ _8\"></span>de hove<span class=\"_ _8\"></span>dgr<span class=\"_ _8\"></span>upp<span class=\"_ _8\"></span>er: </span><span style=\"display:inherit;clear:left;\">\u2022 Rent<span class=\"_ _8\"></span>eris<span class=\"_ _8\"></span>iko: Ris<span class=\"_ _8\"></span>iko for ta<span class=\"_ _8\"></span>p som f\u00f8<span class=\"_ _8\"></span>lge av endr<span class=\"_ _8\"></span>inge<span class=\"_ _8\"></span>r i rentem<span class=\"_ _8\"></span>arked<span class=\"_ _8\"></span>ene (se n<span class=\"_ _8\"></span>ote 22)  </span><span style=\"display:inherit;clear:left;\">\u2022 Aks<span class=\"_ _8\"></span>jeri<span class=\"_ _8\"></span>siko: Ri<span class=\"_ _8\"></span>siko for t<span class=\"_ _8\"></span>ap so<span class=\"_ _8\"></span>m f\u00f8lge av en<span class=\"_ _8\"></span>drin<span class=\"_ _8\"></span>ger i aks<span class=\"_ _8\"></span>jep<span class=\"_ _8\"></span>rise<span class=\"_ _8\"></span>ne (se note 26) </span><span style=\"display:inherit;clear:left;\">\u2022 Valuta<span class=\"_ _8\"></span>risi<span class=\"_ _8\"></span>ko: Risiko fo<span class=\"_ _8\"></span>r tap s<span class=\"_ _8\"></span>om f\u00f8l<span class=\"_ _8\"></span>ge av endr<span class=\"_ _8\"></span>ing i val<span class=\"_ _8\"></span>utak<span class=\"_ _8\"></span>urs<span class=\"_ _8\"></span>er (se note 23) </span><span style=\"display:inherit;clear:left;\">\u2022 Kred<span class=\"_ _8\"></span>itt<span class=\"_ _8\"></span>spre<span class=\"_ _8\"></span>adri<span class=\"_ _8\"></span>siko: Ris<span class=\"_ _8\"></span>iko for t<span class=\"_ _8\"></span>ap som f\u00f8<span class=\"_ _8\"></span>lge av end<span class=\"_ _8\"></span>rin<span class=\"_ _8\"></span>g i kredi<span class=\"_ _8\"></span>tt<span class=\"_ _8\"></span>spread (se n<span class=\"_ _8\"></span>ote 19) </span><span style=\"display:inherit;clear:left;\">\u2022 Eiendomsrisik<span class=\"_ _1\"></span>o:<span class=\"_ _1\"></span> Risiko<span class=\"_ _1\"></span> for<span class=\"_ _1\"></span> tap som f<span class=\"_ _1\"></span>\u00f8lge a<span class=\"_ _1\"></span>v e<span class=\"_ _1\"></span>ndring i eiendomsprisene</span><span style=\"display:inherit;clear:left;\">Styring a<span class=\"_ _1\"></span>v mark<span class=\"_ _1\"></span>edsrisik<span class=\"_ _1\"></span>o er nedf<span class=\"_ _1\"></span>elt<span class=\"_ _1\"></span> i banke<span class=\"_ _1\"></span>ns mark<span class=\"_ _1\"></span>edsrisikostr<span class=\"_ _1\"></span>a<span class=\"_ _1\"></span>tegi. Bankens<span class=\"_ _1\"></span> markedsrisi<span class=\"_ _1\"></span>kostr<span class=\"_ _1\"></span>at<span class=\"_ _1\"></span>egi vedtas a<span class=\"_ _1\"></span>v styr<span class=\"_ _1\"></span>et og gir </span><span style=\"display:inherit;clear:left;\">f\u00f8ringer<span class=\"_ _1\"></span> for<span class=\"_ _1\"></span> bankens<span class=\"_ _1\"></span> aktiviteter<span class=\"_ _1\"></span> i kapitalmark<span class=\"_ _1\"></span>edene, og ris<span class=\"_ _1\"></span>ikoen styr<span class=\"_ _1\"></span>es g<span class=\"_ _8\"></span>jennom definerte posisjonsr<span class=\"_ _1\"></span>ammer f<span class=\"_ _1\"></span>or h<span class=\"_ _1\"></span>vert risik<span class=\"_ _1\"></span>oomr\u00e5<span class=\"_ _1\"></span>de, </span><span style=\"display:inherit;clear:left;\">og i en<span class=\"_ _8\"></span>kelte ti<span class=\"_ _8\"></span>lfell<span class=\"_ _8\"></span>er an<span class=\"_ _8\"></span>gis o<span class=\"_ _8\"></span>gs\u00e5 fo<span class=\"_ _8\"></span>rdeli<span class=\"_ _8\"></span>ng av nevnte ra<span class=\"_ _8\"></span>mme<span class=\"_ _8\"></span>r p\u00e5 jur<span class=\"_ _8\"></span>idis<span class=\"_ _8\"></span>ke enhe<span class=\"_ _8\"></span>ter i kons<span class=\"_ _8\"></span>ern<span class=\"_ _8\"></span>et.</span><span style=\"display:inherit;clear:left;\">Sparebanken V<span class=\"_ _2\"></span>est<span class=\"_ _8\"></span>s in<span class=\"_ _1\"></span>vesteringer skal<span class=\"_ _1\"></span> v\u00e6re<span class=\"_ _1\"></span> begrunnet ut fra<span class=\"_ _1\"></span> bankvirksomhetens behov<span class=\"_ _1\"></span>. Banken<span class=\"_ _1\"></span> har ikke,<span class=\"_ _1\"></span> og skal ikk<span class=\"_ _1\"></span>e ha, </span><span style=\"display:inherit;clear:left;\">handelsportef\u00f8ljer innen<span class=\"_ _1\"></span>for<span class=\"_ _1\"></span> aksjer eller<span class=\"_ _1\"></span> obligasjoner<span class=\"_ _2\"></span>. Spareban<span class=\"_ _1\"></span>ken V<span class=\"_ _2\"></span>est m\u00e5ler og ov<span class=\"_ _1\"></span>erv\u00e5ker<span class=\"_ _1\"></span> l\u00f8pende markedsris<span class=\"_ _1\"></span>ikoen bank<span class=\"_ _1\"></span>en er<span class=\"_ _1\"></span> </span><span style=\"display:inherit;clear:left;\">eksponert for<span class=\"_ _2\"></span>. Bank<span class=\"_ _1\"></span>en benytter tr<span class=\"_ _1\"></span>adisjonel<span class=\"_ _1\"></span>le styringsm\u00e5l og<span class=\"_ _1\"></span> -r<span class=\"_ _1\"></span>ammer<span class=\"_ _2\"></span>, men su<span class=\"_ _1\"></span>pplerer disse<span class=\"_ _1\"></span> med stresstester<span class=\"_ _1\"></span> for<span class=\"_ _1\"></span> \u00e5 vur<span class=\"_ _1\"></span>dere </span><span style=\"display:inherit;clear:left;\">markedsrisikoen. </span><span style=\"display:inherit;clear:left;\">Sen<span class=\"_ _8\"></span>siti<span class=\"_ _8\"></span>vitet i b<span class=\"_ _8\"></span>anken<span class=\"_ _8\"></span>s renter<span class=\"_ _8\"></span>isiko vi<span class=\"_ _8\"></span>se<span class=\"_ _8\"></span>s i note 22. S<span class=\"_ _8\"></span>ens<span class=\"_ _8\"></span>itiv<span class=\"_ _8\"></span>itet i ba<span class=\"_ _8\"></span>nkens val<span class=\"_ _8\"></span>uta<span class=\"_ _8\"></span>kurs<span class=\"_ _8\"></span>risi<span class=\"_ _8\"></span>ko vise<span class=\"_ _8\"></span>s i note 23<span class=\"_ _8\"></span>. Sen<span class=\"_ _8\"></span>siti<span class=\"_ _8\"></span>vitet i b<span class=\"_ _8\"></span>anken<span class=\"_ _8\"></span>s </span><span style=\"display:inherit;clear:left;\">aksj<span class=\"_ _8\"></span>eku<span class=\"_ _8\"></span>rsris<span class=\"_ _8\"></span>iko kan avl<span class=\"_ _8\"></span>ede<span class=\"_ _8\"></span>s av note 26 ved et p<span class=\"_ _8\"></span>rose<span class=\"_ _8\"></span>ntvi<span class=\"_ _8\"></span>s fall i al<span class=\"_ _8\"></span>le aks<span class=\"_ _8\"></span>jeku<span class=\"_ _8\"></span>rse<span class=\"_ _8\"></span>ne. N<span class=\"_ _8\"></span>ote 19 vis<span class=\"_ _8\"></span>er se<span class=\"_ _8\"></span>nsit<span class=\"_ _8\"></span>ivitet u<span class=\"_ _8\"></span>ttr<span class=\"_ _8\"></span>y<span class=\"_ _8\"></span>kt ve<span class=\"_ _8\"></span>d </span><span style=\"display:inherit;clear:left;\">kredittspreadrisiko.</span><span style=\"display:inherit;clear:left;\">Me<span class=\"_ _8\"></span>d unnt<span class=\"_ _8\"></span>ak av aksje<span class=\"_ _8\"></span>ris<span class=\"_ _8\"></span>iko, hvor det o<span class=\"_ _8\"></span>gs\u00e5 b<span class=\"_ _8\"></span>ereg<span class=\"_ _8\"></span>ne<span class=\"_ _8\"></span>s kapi<span class=\"_ _8\"></span>tal u<span class=\"_ _8\"></span>nde<span class=\"_ _8\"></span>r pila<span class=\"_ _8\"></span>r 1, g<span class=\"_ _a\"></span>j\u00f8re<span class=\"_ _8\"></span>s ban<span class=\"_ _8\"></span>kens be<span class=\"_ _8\"></span>reg<span class=\"_ _8\"></span>ning av ka<span class=\"_ _8\"></span>pita<span class=\"_ _8\"></span>l kny<span class=\"_ _8\"></span>ttet t<span class=\"_ _8\"></span>il </span><span style=\"display:inherit;clear:left;\">markedsrisik<span class=\"_ _1\"></span>o u<span class=\"_ _1\"></span>telukke<span class=\"_ _1\"></span>nde basert p\u00e5 beregninger<span class=\"_ _1\"></span> og met<span class=\"_ _1\"></span>oder for<span class=\"_ _1\"></span> beregning a<span class=\"_ _1\"></span>v pilar<span class=\"_ _1\"></span> 2<span class=\"_ _1\"></span>-<span class=\"_ _1\"></span>kapitalbehov beskr<span class=\"_ _1\"></span>eve<span class=\"_ _1\"></span>t i Fin<span class=\"_ _1\"></span>anstilsynets<span class=\"_ _1\"></span> </span><span style=\"display:inherit;clear:left;\">rundskriv 3/2<span class=\"_ _1\"></span>022 med tilh\u00f8rende v<span class=\"_ _1\"></span>edleg<span class=\"_ _8\"></span>g.</span><span style=\"display:inherit;clear:left;\">Samlet kapitalbeho<span class=\"_ _1\"></span>v kn<span class=\"_ _1\"></span>ytt<span class=\"_ _1\"></span>e<span class=\"_ _1\"></span>t til markedsrisik<span class=\"_ _1\"></span>o oppsummer<span class=\"_ _1\"></span>es som f<span class=\"_ _1\"></span>\u00f8lger:<span class=\"_ _1f1\"> </span><span class=\"ff1\">31/12-<span class=\"_ _1\"></span>23<span class=\"_ _19\"> </span>31/12<span class=\"_ _1\"></span>-22</span></span><span style=\"display:inherit;clear:left;\">Marke<span class=\"_ _1\"></span>dsrisiko<span class=\"_ _286\"> </span></span><span style=\"display:inherit;clear:left;\">456</span><span style=\"display:inherit;clear:left;\"><span class=\"_ _98\"> </span><span class=\"ls61 wsb5\">6<span class=\"_ _8\"></span>07</span></span><span style=\"display:inherit;clear:left;\">No<span class=\"_ _1\"></span>te 22 Ren<span class=\"_ _1\"></span>te<span class=\"_ _1\"></span>f<span class=\"_ _0\"></span>\u00f8lsomhet</span><span style=\"display:inherit;clear:left;\">Renterisik<span class=\"_ _1\"></span>o er<span class=\"_ _1\"></span> risikoen<span class=\"_ _1\"></span> for<span class=\"_ _1\"></span> tap som oppst\u00e5r v<span class=\"_ _1\"></span>ed endring<span class=\"_ _1\"></span>er i r<span class=\"_ _1\"></span>enten<span class=\"_ _1\"></span>iv\u00e5e<span class=\"_ _1\"></span>t. Spar<span class=\"_ _1\"></span>ebanken<span class=\"_ _1\"></span> V<span class=\"_ _1\"></span>est p\u00e5<span class=\"_ _1\"></span>tar seg r<span class=\"_ _1\"></span>enterisik<span class=\"_ _1\"></span>o gjennom ordin\u00e6re<span class=\"_ _1\"></span> </span><span style=\"display:inherit;clear:left;\">bankaktiviteter<span class=\"_ _1\"></span> (innl\u00e5n og<span class=\"_ _1\"></span> utl\u00e5n<span class=\"_ _1\"></span>).<span class=\"_ _1\"></span> I tillegg har Spareban<span class=\"_ _1\"></span>ken V<span class=\"_ _2\"></span>est beholdninger a<span class=\"_ _1\"></span>v obligasjoner og<span class=\"_ _1\"></span> sertifikater ho<span class=\"_ _1\"></span>vedsak<span class=\"_ _1\"></span>elig f<span class=\"_ _1\"></span>or \u00e5 </span><span style=\"display:inherit;clear:left;\">oppfylle bankens likviditetskra<span class=\"_ _1\"></span>v<span class=\"_ _1\"></span>.</span><span style=\"display:inherit;clear:left;\">En del a<span class=\"_ _1\"></span>v<span class=\"_ _1\"></span> bankens<span class=\"_ _1\"></span> innl\u00e5n i<span class=\"_ _1\"></span> obligasjonsmarkedet<span class=\"_ _1\"></span> er obligasjonsinn<span class=\"_ _1\"></span>l\u00e5n med f<span class=\"_ _1\"></span>ast r<span class=\"_ _1\"></span>ente.<span class=\"_ _1\"></span> F<span class=\"_ _1\"></span>or \u00e5 r<span class=\"_ _1\"></span>eduser<span class=\"_ _1\"></span>e ren<span class=\"_ _1\"></span>terisik<span class=\"_ _1\"></span>oen har<span class=\"_ _1\"></span> banken<span class=\"_ _1\"></span> </span><span style=\"display:inherit;clear:left;\">inng\u00e5tt r<span class=\"_ _1\"></span>ent<span class=\"_ _1\"></span>ebytteavtaler<span class=\"_ _2\"></span>. Disse ren<span class=\"_ _1\"></span>teb<span class=\"_ _1\"></span>ytteavtalene er ver<span class=\"_ _1\"></span>dsatt til<span class=\"_ _1\"></span> virkel<span class=\"_ _1\"></span>ig ver<span class=\"_ _1\"></span>di i<span class=\"_ _1\"></span> konsernets<span class=\"_ _1\"></span> balanse. F<span class=\"_ _1\"></span>or<span class=\"_ _1\"></span> \u00e5 gi et<span class=\"_ _1\"></span> balansert bilde i </span><span style=\"display:inherit;clear:left;\">konsernets<span class=\"_ _1\"></span> balanse, er<span class=\"_ _1\"></span> konsernets<span class=\"_ _1\"></span> obligasjonsinnl\u00e5n med f<span class=\"_ _1\"></span>ast r<span class=\"_ _1\"></span>ent<span class=\"_ _1\"></span>e klassifisert som bestemt<span class=\"_ _1\"></span> regnskapsf\u00f8rt til<span class=\"_ _1\"></span> virkelig<span class=\"_ _1\"></span> ver<span class=\"_ _1\"></span>di, eller<span class=\"_ _1\"></span> </span><span style=\"display:inherit;clear:left;\">sikringsbokf\u00f8rt. Renterisik<span class=\"_ _1\"></span>oen kn<span class=\"_ _1\"></span>yttet til bank<span class=\"_ _1\"></span>ens f<span class=\"_ _1\"></span>astren<span class=\"_ _1\"></span>teutl\u00e5n<span class=\"_ _1\"></span> til kunder dekk<span class=\"_ _1\"></span>es ogs\u00e5 i<span class=\"_ _1\"></span>nn g<span class=\"_ _8\"></span>jennom r<span class=\"_ _1\"></span>enteb<span class=\"_ _1\"></span>ytteavtaler<span class=\"_ _2\"></span>. For<span class=\"_ _1\"></span> \u00e5 gi et<span class=\"_ _1\"></span> </span><span style=\"display:inherit;clear:left;\">balansert bilde i k<span class=\"_ _1\"></span>onsernets balanse<span class=\"_ _1\"></span> er f<span class=\"_ _1\"></span>astrent<span class=\"_ _1\"></span>eutl\u00e5n til<span class=\"_ _1\"></span> kunder klassifisert som bestemt<span class=\"_ _1\"></span> regnskapsf<span class=\"_ _1\"></span>\u00f8rt til virk<span class=\"_ _1\"></span>elig ver<span class=\"_ _1\"></span>di.</span><span style=\"display:inherit;clear:left;\">T<span class=\"_ _2\"></span>abellene under angir de balansemessige, \u00f8k<span class=\"_ _1\"></span>onomiske<span class=\"_ _1\"></span> konsekvensene<span class=\"_ _1\"></span> ved gitte<span class=\"_ _1\"></span> rent<span class=\"_ _1\"></span>eendringer p\u00e5<span class=\"_ _1\"></span> konserne<span class=\"_ _1\"></span>ts og  morbank<span class=\"_ _1\"></span>ens </span><span style=\"display:inherit;clear:left;\">totalbalanse.<span class=\"_ _1\"></span> F<span class=\"_ _1\"></span>r<span class=\"_ _1\"></span>a og med<span class=\"_ _1\"></span> 2020<span class=\"_ _1\"></span> har bank<span class=\"_ _1\"></span>en m\u00e5lt<span class=\"_ _1\"></span> og oper<span class=\"_ _1\"></span>ativt styrt ren<span class=\"_ _1\"></span>terisik<span class=\"_ _1\"></span>oen ut f<span class=\"_ _1\"></span>ra<span class=\"_ _1\"></span> seks ulik<span class=\"_ _1\"></span>e sjokk<span class=\"_ _1\"></span>scenarioer for<span class=\"_ _1\"></span>delt p\u00e5<span class=\"_ _1\"></span> 19 </span><span style=\"display:inherit;clear:left;\">tidsintervaller<span class=\"_ _0\"></span>, jf<span class=\"_ _1\"></span>. EB<span class=\"_ _1\"></span>A Guideline 2<span class=\"_ _1\"></span>018<span class=\"_ _1\"></span>/02.<span class=\"_ _1\"></span> De seks<span class=\"_ _1\"></span> sjokkscenarioene er som<span class=\"_ _1\"></span> f\u00f8lger;<span class=\"_ _1\"></span><span class=\"ls0 ws0\"> </span></span><span style=\"display:inherit;clear:left;\">1) Parall<span class=\"_ _8\"></span>ellfo<span class=\"_ _8\"></span>rsk<span class=\"_ _8\"></span>y<span class=\"_ _8\"></span>vnin<span class=\"_ _8\"></span>g av hele ren<span class=\"_ _8\"></span>tekur<span class=\"_ _8\"></span>ven o<span class=\"_ _8\"></span>pp </span><span style=\"display:inherit;clear:left;\">2) Parall<span class=\"_ _8\"></span>ellfo<span class=\"_ _8\"></span>rsk<span class=\"_ _8\"></span>y<span class=\"_ _8\"></span>vnin<span class=\"_ _8\"></span>g av hele ren<span class=\"_ _8\"></span>tekur<span class=\"_ _8\"></span>ven n<span class=\"_ _8\"></span>ed </span><span style=\"display:inherit;clear:left;\">3) Kor<span class=\"_ _8\"></span>te renter o<span class=\"_ _8\"></span>pp </span><span style=\"display:inherit;clear:left;\">4) Korte re<span class=\"_ _8\"></span>nter ne<span class=\"_ _8\"></span>d </span><span style=\"display:inherit;clear:left;\">5)<span class=\"_ _1\"></span> Bra<span class=\"_ _1\"></span>ttere<span class=\"_ _1\"></span> rent<span class=\"_ _1\"></span>ekurve \u2013 k<span class=\"_ _1\"></span>orte r<span class=\"_ _1\"></span>enter<span class=\"_ _1\"></span> ned, lange<span class=\"_ _1\"></span> rent<span class=\"_ _1\"></span>er opp sam<span class=\"_ _1\"></span>tidig<span class=\"ls0 ws0\"> </span></span><span style=\"display:inherit;clear:left;\">6)<span class=\"_ _1\"></span> Flat<span class=\"_ _1\"></span>ere r<span class=\"_ _1\"></span>ent<span class=\"_ _1\"></span>ekurve \u2013  k<span class=\"_ _1\"></span>orte ren<span class=\"_ _1\"></span>ter opp<span class=\"_ _1\"></span>, lang<span class=\"_ _1\"></span>e ren<span class=\"_ _1\"></span>ter ned<span class=\"_ _1\"></span> samtidig</span><span style=\"display:inherit;clear:left;\">P\u00e5 kons<span class=\"_ _8\"></span>ernn<span class=\"_ _8\"></span>iv\u00e5 innv<span class=\"_ _8\"></span>ilget s<span class=\"_ _8\"></span>tyret e<span class=\"_ _8\"></span>n ramm<span class=\"_ _8\"></span>e p\u00e5 250 mil<span class=\"_ _8\"></span>lio<span class=\"_ _8\"></span>ner for re<span class=\"_ _8\"></span>nteri<span class=\"_ _8\"></span>siko i 2023<span class=\"_ _8\"></span>. Styre ve<span class=\"_ _8\"></span>dtok e<span class=\"_ _8\"></span>n opp<span class=\"_ _8\"></span>juste<span class=\"_ _8\"></span>rin<span class=\"_ _8\"></span>g av rammen t<span class=\"_ _8\"></span>il 275 </span><span style=\"display:inherit;clear:left;\">mil<span class=\"_ _8\"></span>lion<span class=\"_ _8\"></span>er i mi<span class=\"_ _8\"></span>dten av de<span class=\"_ _8\"></span>sem<span class=\"_ _8\"></span>ber 20<span class=\"_ _8\"></span>23 som e<span class=\"_ _8\"></span>r g<span class=\"_ _8\"></span>je<span class=\"_ _8\"></span>lde<span class=\"_ _8\"></span>nde fo<span class=\"_ _8\"></span>r 2024. E<span class=\"_ _1\"></span>tte<span class=\"_ _8\"></span>rsom m<span class=\"_ _8\"></span>orb<span class=\"_ _8\"></span>anken ove<span class=\"_ _8\"></span>rf\u00f8<span class=\"_ _8\"></span>rer s\u00e5 go<span class=\"_ _8\"></span>dt som a<span class=\"_ _8\"></span>lt av kva<span class=\"_ _8\"></span>lif<span class=\"_ _8\"></span>iser<span class=\"_ _8\"></span>te </span><span style=\"display:inherit;clear:left;\">boligl\u00e5n til Sparebank<span class=\"_ _1\"></span>en V<span class=\"_ _2\"></span>e<span class=\"_ _8\"></span>st Boligkreditt, mens<span class=\"_ _1\"></span> alt a<span class=\"_ _1\"></span>v in<span class=\"_ _1\"></span>nskudd blir liggende ig<span class=\"_ _8\"></span>jen i morbank<span class=\"_ _1\"></span>en, oppst\u00e5r<span class=\"_ _1\"></span> en skjevhe<span class=\"_ _1\"></span>t i </span><span style=\"display:inherit;clear:left;\">rent<span class=\"_ _1\"></span>erisikom\u00e5<span class=\"_ _1\"></span>lingen p\u00e5<span class=\"_ _1\"></span> morbankniv\u00e5. Bank<span class=\"_ _1\"></span>ens pers<span class=\"_ _1\"></span>pektiv p\u00e5 rent<span class=\"_ _1\"></span>erisik<span class=\"_ _1\"></span>o er derfor<span class=\"_ _0\"></span>, s\u00e6rlig med heleid boligkredittforetak, a<span class=\"_ _1\"></span>t<span class=\"_ _1\"></span> </span><span style=\"display:inherit;clear:left;\">konsernperspektivet<span class=\"_ _1\"></span> er det<span class=\"_ _1\"></span> mest rele<span class=\"_ _1\"></span>van<span class=\"_ _1\"></span>te og<span class=\"_ _1\"></span> derfor utgangspunktet f<span class=\"_ _1\"></span>or r<span class=\"_ _1\"></span>ammef<span class=\"_ _1\"></span>astsettelsen i ban<span class=\"_ _1\"></span>ken. S<span class=\"_ _1\"></span>parebank<span class=\"_ _1\"></span>en V<span class=\"_ _1\"></span>est<span class=\"_ _1\"></span> </span><span style=\"display:inherit;clear:left;\">Bo<span class=\"_ _8\"></span>lig<span class=\"_ _8\"></span>kred<span class=\"_ _8\"></span>itt ve<span class=\"_ _8\"></span>dta<span class=\"_ _8\"></span>r ogs<span class=\"_ _8\"></span>\u00e5 egen ram<span class=\"_ _8\"></span>me for re<span class=\"_ _8\"></span>nteri<span class=\"_ _8\"></span>siko.</span><span style=\"display:inherit;clear:left;\">MORBANK<span class=\"_ _12c\"> </span><span class=\"lsc wsc\">KONSERN</span></span><span style=\"display:inherit;clear:left;\">Rente<span class=\"_ _1\"></span>f\u00f8lsomhet<span class=\"_ _1\"></span> pr<span class=\"_ _2\"></span>. scenario</span><span style=\"display:inherit;clear:left;\">3<span class=\"_ _8\"></span>1/<span class=\"_ _a\"></span>1<span class=\"_ _8\"></span>2-2<span class=\"_ _8\"></span>2<span class=\"_ _10e\"> </span>3<span class=\"_ _8\"></span>1<span class=\"_ _8\"></span>/<span class=\"_ _8\"></span>1<span class=\"_ _8\"></span>2-2<span class=\"_ _8\"></span>3<span class=\"_ _287\"> </span>3<span class=\"_ _8\"></span>1/<span class=\"_ _a\"></span>1<span class=\"_ _8\"></span>2-2<span class=\"_ _8\"></span>3<span class=\"_ _19\"> </span>3<span class=\"_ _8\"></span>1<span class=\"_ _8\"></span>/<span class=\"_ _8\"></span>1<span class=\"_ _8\"></span>2-2<span class=\"_ _8\"></span>2</span><span style=\"display:inherit;clear:left;\">109<span class=\"_ _66\"> </span></span><span style=\"display:inherit;clear:left;\">-7<span class=\"_ _b8\"> </span></span><span style=\"display:inherit;clear:left;\">Parallellforskyvning opp<span class=\"_ _288\"> </span><span class=\"ls0 ws0\">-<span class=\"_ _1\"></span>110<span class=\"_ _96\"> </span><span class=\"ls132 ws1de\">87</span></span></span><span style=\"display:inherit;clear:left;\">-1<span class=\"_ _8\"></span>0<span class=\"_ _a\"></span>9<span class=\"_ _9d\"> </span></span><span style=\"display:inherit;clear:left;\">7<span class=\"_ _b9\"> </span></span><span style=\"display:inherit;clear:left;\">Parallellforsky<span class=\"_ _8\"></span>vning ned<span class=\"_ _1d4\"> </span><span class=\"ls14 ws14\">110<span class=\"_ _3e\"> </span><span class=\"ls120 ws1cb\">-87</span></span></span><span style=\"display:inherit;clear:left;\">85<span class=\"_ _12\"> </span></span><span style=\"display:inherit;clear:left;\">-24<span class=\"_ _b8\"> </span></span><span style=\"display:inherit;clear:left;\">Korte re<span class=\"_ _8\"></span>nter op<span class=\"_ _8\"></span>p<span class=\"_ _263\"> </span><span class=\"ls129 ws1d3\">-1<span class=\"_ _a\"></span>5<span class=\"_ _a\"></span>4<span class=\"_ _96\"> </span><span class=\"ls123 ws1cd\">92</span></span></span><span style=\"display:inherit;clear:left;\">-85<span class=\"_ _21a\"> </span></span><span style=\"display:inherit;clear:left;\">24<span class=\"_ _b8\"> </span></span><span style=\"display:inherit;clear:left;\">K<span class=\"_ _1\"></span>orte r<span class=\"_ _1\"></span>en<span class=\"_ _1\"></span>ter ned<span class=\"_ _289\"> </span><span class=\"ls133 ws1e0\">154<span class=\"_ _21a\"> </span><span class=\"lsf6 ws158\">-<span class=\"_ _8\"></span>92</span></span></span><span style=\"display:inherit;clear:left;\">-21<span class=\"_ _3e\"> </span><span class=\"ls0 ws0\">22<span class=\"_ _11a\"> </span>Bra<span class=\"_ _1\"></span>t<span class=\"_ _1\"></span>ter<span class=\"_ _1\"></span>e r<span class=\"_ _1\"></span>en<span class=\"_ _1\"></span>tekurv<span class=\"_ _1\"></span>e<span class=\"_ _270\"> </span>96<span class=\"_ _16\"> </span><span class=\"ls82 ws14b\">-45</span></span></span><span style=\"display:inherit;clear:left;\">45<span class=\"_ _12\"> </span></span><span style=\"display:inherit;clear:left;\"><span><span style=\"display:inherit;clear:left;\">-<span class=\"_ _8\"></span>24<span class=\"_ _11a\"> </span></span></span><span class=\"ls0 ws0\"><span><span style=\"display:inherit;clear:left;\">Flater<span class=\"_ _1\"></span>e r<span class=\"_ _1\"></span>en<span class=\"_ _1\"></span>tek<span class=\"_ _1\"></span>urve</span></span><span><span style=\"display:inherit;clear:left;\"><span class=\"_ _28a\"> </span></span></span><span><span style=\"display:inherit;clear:left;\">-<span class=\"_ _1\"></span>121</span></span><span><span style=\"display:inherit;clear:left;\"><span class=\"_ _9a\"> </span></span></span><span><span style=\"display:inherit;clear:left;\">64</span></span></span></span><span style=\"display:inherit;clear:left;\">Note 2<span class=\"_ _a\"></span>3 V<span class=\"_ _1\"></span>aluta<span class=\"_ _8\"></span>po<span class=\"_ _8\"></span>sisjon<span class=\"_ _8\"></span>er</span><span style=\"display:inherit;clear:left;\">T<span class=\"_ _2\"></span>abellen angir netto valu<span class=\"_ _1\"></span>taeksponering f<span class=\"_ _1\"></span>or Spar<span class=\"_ _1\"></span>ebanken<span class=\"_ _1\"></span> V<span class=\"_ _1\"></span>est pr<span class=\"_ _0\"></span>. 31/12 medr<span class=\"_ _1\"></span>egnet finansielle deriv<span class=\"_ _1\"></span>a<span class=\"_ _1\"></span>ter<span class=\"_ _2\"></span>. </span><span style=\"display:inherit;clear:left;\">V<span class=\"_ _2\"></span>aluta<span class=\"_ _28b\"> </span>USD<span class=\"_ _db\"> </span>EUR<span class=\"_ _c7\"> </span>GBP<span class=\"_ _db\"> </span>CHF<span class=\"_ _a3\"> </span>DKK<span class=\"_ _dc\"> </span>SEK<span class=\"_ _c0\"> </span>\u00d8vrige<span class=\"_ _28c\"> </span>A<span class=\"ls155 ws206\">gg<span class=\"ls13 ws13\">reg<span class=\"_ _8\"></span>e<span class=\"_ _8\"></span>rt</span></span></span><span style=\"display:inherit;clear:left;\">Net<span class=\"_ _1\"></span>to v<span class=\"_ _1\"></span>aluta<span class=\"_ _1\"></span>eksponering pr<span class=\"_ _0\"></span>. 31/12-<span class=\"_ _1\"></span>2<span class=\"_ _1\"></span>02<span class=\"_ _1\"></span>3<span class=\"_ _1f\"> </span>4<span class=\"_ _85\"> </span><span class=\"ls21 ws175\">23<span class=\"_ _74\"> </span></span>0<span class=\"_ _189\"> </span></span><span style=\"display:inherit;clear:left;\">-2<span class=\"_ _83\"> </span><span class=\"ls6 ws6\">-1<span class=\"_ _8\"></span>7<span class=\"_ _5d\"> </span></span></span><span style=\"display:inherit;clear:left;\">0<span class=\"_ _189\"> </span><span class=\"ls84 wsdf\">-2<span class=\"_ _75\"> </span></span>6</span><span style=\"display:inherit;clear:left;\">Resulta<span class=\"_ _0\"></span>t og EK<span class=\"_ _1\"></span>-e<span class=\"_ _1\"></span>ff<span class=\"_ _1\"></span>ekt ved endring i valut<span class=\"_ _1\"></span>ak<span class=\"_ _1\"></span>urs p\u00e5 5 %<span class=\"_ _5d\"> </span><span class=\"ls0\">0<span class=\"_ _1a\"> </span>1<span class=\"_ _74\"> </span>0<span class=\"_ _94\"> </span>0<span class=\"_ _94\"> </span><span class=\"ls6 ws6\">-1<span class=\"_ _5d\"> </span></span>0<span class=\"_ _94\"> </span>0<span class=\"_ _3e\"> </span>0</span></span><span style=\"display:inherit;clear:left;\">Net<span class=\"_ _1\"></span>to v<span class=\"_ _1\"></span>aluta<span class=\"_ _1\"></span>eksponering pr<span class=\"_ _0\"></span>. 31/12-<span class=\"_ _1\"></span>2<span class=\"_ _1\"></span>022<span class=\"_ _4f\"> </span></span><span style=\"display:inherit;clear:left;\">-<span class=\"_ _8\"></span>57<span class=\"_ _85\"> </span></span><span style=\"display:inherit;clear:left;\">85<span class=\"_ _108\"> </span></span><span style=\"display:inherit;clear:left;\">-7<span class=\"_ _65\"> </span><span class=\"ls120 ws1cb\">-4<span class=\"_ _cc\"> </span></span></span><span style=\"display:inherit;clear:left;\">-64<span class=\"_ _65\"> </span><span class=\"ls84 wsdf\">-3<span class=\"_ _5d\"> </span></span>2<span class=\"_ _6f\"> </span><span class=\"ls13e ws1ec\">-<span class=\"_ _a\"></span>47</span></span><span style=\"display:inherit;clear:left;\">Resulta<span class=\"_ _0\"></span>t og EK<span class=\"_ _1\"></span>-e<span class=\"_ _1\"></span>ff<span class=\"_ _1\"></span>ekt ved endring i valut<span class=\"_ _1\"></span>ak<span class=\"_ _1\"></span>urs p\u00e5 5 %<span class=\"_ _86\"> </span><span class=\"ls84 wsdf\">-3<span class=\"_ _74\"> </span></span></span><span style=\"display:inherit;clear:left;\">4</span><span style=\"display:inherit;clear:left;\"><span class=\"_ _94\"> </span></span><span style=\"display:inherit;clear:left;\">0</span><span style=\"display:inherit;clear:left;\"><span class=\"_ _74\"> </span></span><span style=\"display:inherit;clear:left;\">0</span><span style=\"display:inherit;clear:left;\"><span class=\"_ _65\"> </span><span class=\"ls84 wsdf\">-3<span class=\"_ _74\"> </span></span></span><span style=\"display:inherit;clear:left;\">0</span><span style=\"display:inherit;clear:left;\"><span class=\"_ _94\"> </span></span><span style=\"display:inherit;clear:left;\">0</span><span style=\"display:inherit;clear:left;\"><span class=\"_ _11\"> </span><span class=\"ls84 wsdf\">-2</span></span><span style=\"display:inherit;clear:left;\">Note 2<span class=\"_ _8\"></span>4 Fi<span class=\"_ _8\"></span>na<span class=\"_ _8\"></span>nsielle<span class=\"_ _8\"></span> der<span class=\"_ _8\"></span>ivater</span><span style=\"display:inherit;clear:left;\">Sparebank<span class=\"_ _1\"></span>en V<span class=\"_ _1\"></span>est<span class=\"_ _1\"></span> benytter finansielle<span class=\"_ _1\"></span> deriva<span class=\"_ _1\"></span>ter f<span class=\"_ _1\"></span>or \u00e5<span class=\"_ _1\"></span> styre r<span class=\"_ _1\"></span>ente<span class=\"_ _1\"></span>- og<span class=\"_ _1\"></span> valutarisik<span class=\"_ _1\"></span>o.<span class=\"_ _1\"></span> Finansielle deriv<span class=\"_ _1\"></span>at<span class=\"_ _1\"></span>er er<span class=\"_ _1\"></span> avtaler som inng\u00e5s<span class=\"_ _1\"></span> med </span><span style=\"display:inherit;clear:left;\">clearing house, finansi<span class=\"_ _1\"></span>nstitusjoner<span class=\"_ _1\"></span> eller kunder f<span class=\"_ _1\"></span>or \u00e5<span class=\"_ _1\"></span> fastsette<span class=\"_ _1\"></span> ren<span class=\"_ _1\"></span>tevilk<span class=\"_ _1\"></span>\u00e5r<span class=\"_ _2\"></span>, valutakur<span class=\"_ _1\"></span>ser og v<span class=\"_ _1\"></span>erdi<span class=\"_ _1\"></span> av<span class=\"_ _1\"></span> egenkapitalinstrumen<span class=\"_ _1\"></span>ter f<span class=\"_ _1\"></span>or </span><span style=\"display:inherit;clear:left;\">bestemte perioder<span class=\"_ _0\"></span>.</span><span style=\"display:inherit;clear:left;\">V<span class=\"_ _2\"></span>erdset<span class=\"_ _1\"></span>telsesme<span class=\"_ _1\"></span>t<span class=\"_ _1\"></span>ode og r<span class=\"_ _1\"></span>egnskapsprinsipper </span><span style=\"display:inherit;clear:left;\">Alle deriva<span class=\"_ _1\"></span>ter<span class=\"_ _1\"></span> er vur<span class=\"_ _1\"></span>dert til virk<span class=\"_ _1\"></span>elig ver<span class=\"_ _1\"></span>di og<span class=\"_ _1\"></span> kursgevi<span class=\"_ _1\"></span>nst/<span class=\"_ _1\"></span>-<span class=\"_ _2\"></span>tap er klassifisert som netto ge<span class=\"_ _1\"></span>vinst/tap finansielle<span class=\"_ _1\"></span> instrumenter<span class=\"_ _0\"></span>. Renter </span><span style=\"display:inherit;clear:left;\">fra der<span class=\"_ _8\"></span>ivater so<span class=\"_ _8\"></span>m er in<span class=\"_ _8\"></span>ng\u00e5tt fo<span class=\"_ _8\"></span>r \u00e5 sty<span class=\"_ _8\"></span>re renter<span class=\"_ _8\"></span>isiko i b<span class=\"_ _8\"></span>ankens o<span class=\"_ _8\"></span>rdin\u00e6<span class=\"_ _8\"></span>re por<span class=\"_ _8\"></span>tef\u00f8<span class=\"_ _8\"></span>lje<span class=\"_ _8\"></span>r er kla<span class=\"_ _8\"></span>ssi<span class=\"_ _8\"></span>fis<span class=\"_ _8\"></span>er<span class=\"_ _8\"></span>t som re<span class=\"_ _8\"></span>nte og f\u00f8r<span class=\"_ _8\"></span>t so<span class=\"_ _8\"></span>m en jus<span class=\"_ _8\"></span>teri<span class=\"_ _8\"></span>ng </span><span style=\"display:inherit;clear:left;\">til bank<span class=\"_ _1\"></span>ens \u00f8<span class=\"_ _1\"></span>vrige r<span class=\"_ _1\"></span>entein<span class=\"_ _1\"></span>ntekter<span class=\"_ _1\"></span>/<span class=\"_ _2\"></span>-kostna<span class=\"_ _1\"></span>der<span class=\"_ _2\"></span>.</span><span style=\"display:inherit;clear:left;\">Sparebank<span class=\"_ _1\"></span>en V<span class=\"_ _1\"></span>est<span class=\"_ _1\"></span> har an<span class=\"_ _1\"></span>vendt<span class=\"_ _1\"></span> f\u00f8lgende<span class=\"_ _1\"></span> finansielle deriv<span class=\"_ _1\"></span>at<span class=\"_ _1\"></span>er g<span class=\"_ _8\"></span>jennom \u00e5r<span class=\"_ _1\"></span>et:</span><span style=\"display:inherit;clear:left;\">V<span class=\"_ _2\"></span>alutat<span class=\"_ _1\"></span>erminf<span class=\"_ _1\"></span>orr<span class=\"_ _1\"></span>e<span class=\"_ _1\"></span>tning<span class=\"_ _1\"></span>er <span class=\"_ _21\"> </span> <span class=\"_ _28d\"></span>      </span><span style=\"display:inherit;clear:left;\">V<span class=\"_ _1\"></span>aluta<span class=\"_ _1\"></span>terminf<span class=\"_ _1\"></span>orretn<span class=\"_ _1\"></span>inger er<span class=\"_ _1\"></span> a<span class=\"_ _1\"></span>vtaler om kj\u00f8p eller salg<span class=\"_ _1\"></span> av<span class=\"_ _1\"></span> et bestem<span class=\"_ _1\"></span>t v<span class=\"_ _1\"></span>alutabel\u00f8p p\u00e5 et<span class=\"_ _1\"></span> frem<span class=\"_ _1\"></span>tidig tidspunkt til<span class=\"_ _1\"></span> en a<span class=\"_ _1\"></span>vtalt kurs. </span><span style=\"display:inherit;clear:left;\">Rent<span class=\"_ _1\"></span>ea<span class=\"_ _1\"></span>vtaler</span><span style=\"display:inherit;clear:left;\">\u2022  <span class=\"_ _4\"></span>R<span class=\"_ _8\"></span>enteby<span class=\"_ _8\"></span>tte<span class=\"_ _8\"></span>avt<span class=\"_ _8\"></span>ale<span class=\"_ _8\"></span>r (renteswa<span class=\"_ _8\"></span>ppe<span class=\"_ _8\"></span>r) som er e<span class=\"_ _8\"></span>n avt<span class=\"_ _8\"></span>ale o<span class=\"_ _8\"></span>m byt<span class=\"_ _8\"></span>te av rentebe<span class=\"_ _8\"></span>tinge<span class=\"_ _8\"></span>lse<span class=\"_ _8\"></span>r (fast mot fl<span class=\"_ _8\"></span>yte<span class=\"_ _8\"></span>nde) for e<span class=\"_ _8\"></span>t bes<span class=\"_ _8\"></span>temt b<span class=\"_ _8\"></span>el\u00f8<span class=\"_ _8\"></span>p over en </span><span style=\"display:inherit;clear:left;\">bestemt periode. </span><span style=\"display:inherit;clear:left;\">\u2022  <span class=\"_ _4\"></span>Renteopsjoner (<span class=\"_ _1\"></span>call) gir kj\u00f8per r<span class=\"_ _1\"></span>ett til \u00e5<span class=\"_ _1\"></span> motta fr<span class=\"_ _1\"></span>a selg<span class=\"_ _1\"></span>er differ<span class=\"_ _1\"></span>ansen mellom<span class=\"_ _1\"></span> markedsr<span class=\"_ _1\"></span>ente<span class=\"_ _1\"></span> og a<span class=\"_ _1\"></span>vtalt ren<span class=\"_ _1\"></span>te, der<span class=\"_ _1\"></span>som markeds<span class=\"_ _1\"></span>rent<span class=\"_ _1\"></span>en </span><span style=\"display:inherit;clear:left;\">er h\u00f8<span class=\"_ _1\"></span>yer<span class=\"_ _1\"></span>e enn a<span class=\"_ _1\"></span>vtalt r<span class=\"_ _1\"></span>ente,<span class=\"_ _1\"></span> for e<span class=\"_ _1\"></span>t bestemt<span class=\"_ _1\"></span> bel\u00f8p ov<span class=\"_ _1\"></span>er en<span class=\"_ _1\"></span> bestemt periode.</span><span style=\"display:inherit;clear:left;\">\u2022  <span class=\"_ _4\"></span>Renteopsjoner (put) gir kj\u00f8per<span class=\"_ _1\"></span> rett til<span class=\"_ _1\"></span> \u00e5 mo<span class=\"_ _1\"></span>tta fra<span class=\"_ _1\"></span> selger di<span class=\"_ _1\"></span>fferansen<span class=\"_ _1\"></span> mellom mark<span class=\"_ _1\"></span>edsren<span class=\"_ _1\"></span>te og<span class=\"_ _1\"></span> avtalt r<span class=\"_ _1\"></span>ente,<span class=\"_ _1\"></span> dersom mark<span class=\"_ _1\"></span>edsren<span class=\"_ _1\"></span>ten </span><span style=\"display:inherit;clear:left;\">er la<span class=\"_ _1\"></span>ver<span class=\"_ _1\"></span>e enn<span class=\"_ _1\"></span> avtalt r<span class=\"_ _1\"></span>ente,<span class=\"_ _1\"></span> for<span class=\"_ _1\"></span> et bestem<span class=\"_ _1\"></span>t bel\u00f8p o<span class=\"_ _1\"></span>ver en<span class=\"_ _1\"></span> bestemt periode.</span><span style=\"display:inherit;clear:left;\">Rent<span class=\"_ _1\"></span>e og v<span class=\"_ _1\"></span>alutaderiv<span class=\"_ _2\"></span>at<span class=\"_ _1\"></span>er</span><span style=\"display:inherit;clear:left;\">\u2022 Rent<span class=\"_ _1\"></span>e- og<span class=\"_ _1\"></span> valutab<span class=\"_ _1\"></span>ytteavtaler (c<span class=\"_ _1\"></span>ross<span class=\"_ _1\"></span>-curr<span class=\"_ _1\"></span>ency i<span class=\"_ _1\"></span>nter<span class=\"_ _1\"></span>est ra<span class=\"_ _1\"></span>te<span class=\"_ _1\"></span> swap<span class=\"_ _1\"></span>) der<span class=\"_ _1\"></span> a<span class=\"_ _1\"></span>vtalen omfa<span class=\"_ _1\"></span>tter b<span class=\"_ _1\"></span>ytte b\u00e5de a<span class=\"_ _1\"></span>v r<span class=\"_ _1\"></span>ent<span class=\"_ _1\"></span>e- og<span class=\"_ _1\"></span> valutabeting<span class=\"_ _1\"></span>elser<span class=\"_ _2\"></span>.</span><span style=\"display:inherit;clear:left;\">T<span class=\"_ _2\"></span>abellen nedenfor viser<span class=\"_ _1\"></span> de finansielle<span class=\"_ _1\"></span> deriva<span class=\"_ _1\"></span>tenes nominelle<span class=\"_ _1\"></span> ver<span class=\"_ _1\"></span>di f<span class=\"_ _1\"></span>ordelt<span class=\"_ _1\"></span> p\u00e5 type deriva<span class=\"_ _1\"></span>ter<span class=\"_ _1\"></span> i tillegg til positiv<span class=\"_ _1\"></span>e og nega<span class=\"_ _1\"></span>tive<span class=\"_ _1\"></span> </span><span style=\"display:inherit;clear:left;\">markedsv<span class=\"_ _1\"></span>erdier<span class=\"_ _0\"></span>. Positive<span class=\"_ _1\"></span> markedsv<span class=\"_ _1\"></span>erdier<span class=\"_ _1\"></span> er innr<span class=\"_ _1\"></span>egnet som eie<span class=\"_ _1\"></span>ndel i balansen,<span class=\"_ _1\"></span> mens nega<span class=\"_ _1\"></span>tive mark<span class=\"_ _1\"></span>edsv<span class=\"_ _1\"></span>erdier<span class=\"_ _1\"></span> er innr<span class=\"_ _1\"></span>egnet som </span><span style=\"display:inherit;clear:left;\">g<span class=\"_ _8\"></span>jeld.</span><span style=\"display:inherit;clear:left;\">31/12-<span class=\"_ _1\"></span>2023<span class=\"_ _1d8\"> </span>31/12-<span class=\"_ _1\"></span>2022</span><span style=\"display:inherit;clear:left;\">Positiv </span><span style=\"display:inherit;clear:left;\">Negat<span class=\"_ _1\"></span>iv </span><span style=\"display:inherit;clear:left;\">Positiv </span><span style=\"display:inherit;clear:left;\">Negat<span class=\"_ _1\"></span>iv </span><span style=\"display:inherit;clear:left;\">Nominell <span class=\"_ _4\"></span><span class=\"ls0 ws0\"> </span></span><span style=\"display:inherit;clear:left;\">markeds<span class=\"_ _1\"></span>-</span><span style=\"display:inherit;clear:left;\">markeds<span class=\"_ _1\"></span><span class=\"ls0 ws0\">-</span></span><span style=\"display:inherit;clear:left;\">Nominell <span class=\"_ _4\"></span><span class=\"ls0 ws0\"> </span></span><span style=\"display:inherit;clear:left;\">markeds<span class=\"_ _1\"></span>-</span><span style=\"display:inherit;clear:left;\">markeds<span class=\"_ _1\"></span><span class=\"ls0 ws0\">-</span></span><span style=\"display:inherit;clear:left;\">KONSERN</span><span style=\"display:inherit;clear:left;\">verd<span class=\"_ _8\"></span>i</span><span style=\"display:inherit;clear:left;\">verd<span class=\"_ _8\"></span>i</span><span style=\"display:inherit;clear:left;\">verd<span class=\"_ _8\"></span>i</span><span style=\"display:inherit;clear:left;\">verd<span class=\"_ _8\"></span>i</span><span style=\"display:inherit;clear:left;\">verd<span class=\"_ _8\"></span>i</span><span style=\"display:inherit;clear:left;\">verd<span class=\"_ _8\"></span>i</span><span style=\"display:inherit;clear:left;\">Renteswapper<span class=\"_ _1c2\"> </span></span><span style=\"display:inherit;clear:left;\">118 3<span class=\"_ _8\"></span>46<span class=\"_ _63\"> </span>2<span class=\"_ _91\"> </span><span class=\"ls21 ws175\">9<span class=\"_ _8\"></span>75<span class=\"_ _94\"> </span></span>110 013<span class=\"_ _10\"> </span><span class=\"ls121 wsaa\">2<span class=\"_ _8\"></span>15<span class=\"_ _5d\"> </span><span class=\"ls12a ws1d4\">1<span class=\"_ _8\"></span> 0<span class=\"_ _8\"></span>47</span></span></span><span style=\"display:inherit;clear:left;\">Opsjoner<span class=\"_ _1\"></span>/<span class=\"_ _1\"></span>Cap/Floor<span class=\"_ _2\"></span>/Collar<span class=\"_ _1\"></span>/Sw<span class=\"_ _1\"></span>aption <span class=\"_ _120\"> </span><span class=\"ls0 ws0\">0<span class=\"_ _13\"> </span>0<span class=\"_ _13\"> </span>0<span class=\"_ _43\"> </span>0<span class=\"_ _49\"> </span>1<span class=\"_ _10c\"> </span>0</span></span><span style=\"display:inherit;clear:left;\">Sum rent<span class=\"_ _1\"></span>einstrumenter<span class=\"_ _11d\"> </span></span><span style=\"display:inherit;clear:left;\">118 34<span class=\"_ _8\"></span>6<span class=\"_ _10c\"> </span>2<span class=\"_ _e9\"> </span><span class=\"ls21 ws175\">975<span class=\"_ _94\"> </span></span>110 0<span class=\"_ _8\"></span>13<span class=\"_ _10\"> </span><span class=\"ls123 ws1cd\">216<span class=\"_ _5d\"> </span><span class=\"ls12a ws1d4\">1<span class=\"_ _8\"></span> 0<span class=\"_ _a\"></span>47</span></span></span><span style=\"display:inherit;clear:left;\">Rentederiv<span class=\"_ _1\"></span>at<span class=\"_ _1\"></span>er \u00f8remerk<span class=\"_ _1\"></span>et<span class=\"_ _1\"></span> for si<span class=\"_ _1\"></span>kringsform\u00e5l<span class=\"_ _1b\"> </span></span><span style=\"display:inherit;clear:left;\">3<span class=\"_ _8\"></span> 750<span class=\"_ _118\"> </span></span><span style=\"display:inherit;clear:left;\">16<span class=\"_ _10\"> </span><span class=\"ls12 ws12\">136<span class=\"_ _8d\"> </span></span></span><span style=\"display:inherit;clear:left;\">3<span class=\"_ _8\"></span> 750</span><span style=\"display:inherit;clear:left;\"><span class=\"_ _9d\"> </span><span class=\"ls122 ws1cc\">26<span class=\"_ _9a\"> </span><span class=\"ls12 ws12\">130</span></span></span><span style=\"display:inherit;clear:left;\">Rente<span class=\"_ _1\"></span>- og v<span class=\"_ _1\"></span>alutaderiv<span class=\"_ _1\"></span>at<span class=\"_ _1\"></span>er \u00f8remerk<span class=\"_ _1\"></span>et<span class=\"_ _1\"></span> for </span><span style=\"display:inherit;clear:left;\">sikringsform\u00e5l<span class=\"_ _f5\"> </span></span><span style=\"display:inherit;clear:left;\">16 896<span class=\"_ _93\"> </span></span><span style=\"display:inherit;clear:left;\">1 928<span class=\"_ _75\"> </span></span><span style=\"display:inherit;clear:left;\">236<span class=\"_ _72\"> </span><span class=\"ls0 ws0\">15 8<span class=\"_ _8\"></span>98<span class=\"_ _1b\"> </span><span class=\"ls125 ws1cf\">1 2<span class=\"_ _8\"></span>70<span class=\"_ _10c\"> </span></span>0</span></span><span style=\"display:inherit;clear:left;\">Sum deriv<span class=\"_ _1\"></span>at<span class=\"_ _1\"></span>er \u00f8remerk<span class=\"_ _1\"></span>et<span class=\"_ _1\"></span> for s<span class=\"_ _1\"></span>ikringsform\u00e5l<span class=\"_ _ba\"> </span><span class=\"ls0 ws0\">20 64<span class=\"_ _8\"></span>6<span class=\"_ _94\"> </span>1 944<span class=\"_ _8b\"> </span><span class=\"ls108 ws16a\">372<span class=\"_ _93\"> </span></span>19 64<span class=\"_ _8\"></span>8<span class=\"_ _93\"> </span>1 296<span class=\"_ _10\"> </span><span class=\"ls12 ws12\">130</span></span></span><span style=\"display:inherit;clear:left;\">Rente<span class=\"_ _1\"></span>- og v<span class=\"_ _1\"></span>alutaderiv<span class=\"_ _1\"></span>at<span class=\"_ _1\"></span>er<span class=\"_ _21b\"> </span></span><span style=\"display:inherit;clear:left;\">4<span class=\"_ _a\"></span>5<span class=\"_ _8\"></span> 4<span class=\"_ _8\"></span>74<span class=\"_ _74\"> </span></span><span style=\"display:inherit;clear:left;\">3 326<span class=\"_ _13\"> </span></span><span style=\"display:inherit;clear:left;\">4<span class=\"_ _5d\"> </span></span><span style=\"display:inherit;clear:left;\">37 983<span class=\"_ _75\"> </span><span class=\"ls11e wsb9\">962<span class=\"_ _91\"> </span><span class=\"ls125 ws1cf\">570</span></span></span><span style=\"display:inherit;clear:left;\">T<span class=\"_ _2\"></span>erminer<span class=\"_ _18b\"> </span></span><span style=\"display:inherit;clear:left;\">24 2<span class=\"_ _8\"></span>3<span class=\"_ _8\"></span>9<span class=\"_ _10\"> </span></span><span style=\"display:inherit;clear:left;\">130<span class=\"_ _3e\"> </span></span><span style=\"display:inherit;clear:left;\">320<span class=\"_ _5d\"> </span></span><span style=\"display:inherit;clear:left;\">12 54<span class=\"_ _8\"></span>4<span class=\"_ _3d\"> </span><span class=\"ls123 ws1cd\">101<span class=\"_ _92\"> </span><span class=\"ls21 ws175\">175</span></span></span><span style=\"display:inherit;clear:left;\">Sum r<span class=\"_ _1\"></span>ente<span class=\"_ _1\"></span>- og v<span class=\"_ _1\"></span>alutarela<span class=\"_ _1\"></span>terte<span class=\"_ _1\"></span> kontr<span class=\"_ _1\"></span>akter<span class=\"_ _9d\"> </span><span class=\"ls0 ws0\">69 7<span class=\"_ _8\"></span>13<span class=\"_ _108\"> </span>3 456<span class=\"_ _75\"> </span><span class=\"ls84 wsdf\">324<span class=\"_ _74\"> </span><span class=\"ls126 ws1d0\">5<span class=\"_ _8\"></span>0 528<span class=\"_ _74\"> </span></span></span>1 06<span class=\"_ _8\"></span>4<span class=\"_ _75\"> </span><span class=\"ls124 ws1ce\">74<span class=\"_ _a\"></span>5</span></span></span><span style=\"display:inherit;clear:left;\">Sum OT<span class=\"_ _1\"></span>C-deriv<span class=\"_ _1\"></span>a<span class=\"_ _1\"></span>ter<span class=\"_ _199\"> </span></span><span style=\"display:inherit;clear:left;\">208<span class=\"_ _8\"></span> 705<span class=\"_ _94\"> </span><span class=\"ls0 ws0\">5 401<span class=\"_ _5d\"> </span></span>1 6<span class=\"_ _8\"></span>70<span class=\"_ _9b\"> </span></span><span style=\"display:inherit;clear:left;\">180 189<span class=\"_ _94\"> </span><span class=\"ls83 wsdd\">2 575<span class=\"_ _5d\"> </span><span class=\"ls0 ws0\">1 922</span></span></span><span style=\"display:inherit;clear:left;\">31/12-<span class=\"_ _1\"></span>2023<span class=\"_ _1d8\"> </span>31/12-<span class=\"_ _1\"></span>2022</span><span style=\"display:inherit;clear:left;\">Positiv </span><span style=\"display:inherit;clear:left;\">Negat<span class=\"_ _1\"></span>iv </span><span style=\"display:inherit;clear:left;\">Positiv </span><span style=\"display:inherit;clear:left;\">Negat<span class=\"_ _1\"></span>iv </span><span style=\"display:inherit;clear:left;\">Nominell <span class=\"_ _4\"></span><span class=\"ls0 ws0\"> </span></span><span style=\"display:inherit;clear:left;\">markeds<span class=\"_ _1\"></span>-</span><span style=\"display:inherit;clear:left;\">markeds<span class=\"_ _1\"></span><span class=\"ls0 ws0\">-</span></span><span style=\"display:inherit;clear:left;\">Nominell <span class=\"_ _4\"></span><span class=\"ls0 ws0\"> </span></span><span style=\"display:inherit;clear:left;\">markeds<span class=\"_ _1\"></span>-</span><span style=\"display:inherit;clear:left;\">markeds<span class=\"_ _1\"></span><span class=\"ls0 ws0\">-</span></span><span style=\"display:inherit;clear:left;\">MORBANK</span><span style=\"display:inherit;clear:left;\">verd<span class=\"_ _8\"></span>i</span><span style=\"display:inherit;clear:left;\">verd<span class=\"_ _8\"></span>i</span><span style=\"display:inherit;clear:left;\">verd<span class=\"_ _8\"></span>i</span><span style=\"display:inherit;clear:left;\">verd<span class=\"_ _8\"></span>i</span><span style=\"display:inherit;clear:left;\">verd<span class=\"_ _8\"></span>i</span><span style=\"display:inherit;clear:left;\">verd<span class=\"_ _8\"></span>i</span><span style=\"display:inherit;clear:left;\">Renteswapper<span class=\"_ _32\"> </span></span><span style=\"display:inherit;clear:left;\">131 7<span class=\"_ _8\"></span>19<span class=\"_ _226\"> </span><span class=\"ls7 ws7\">55<span class=\"_ _74\"> </span></span>1 65<span class=\"_ _8\"></span>4<span class=\"_ _8e\"> </span></span><span style=\"display:inherit;clear:left;\">128 57<span class=\"_ _1\"></span>4<span class=\"_ _91\"> </span><span class=\"ls12a ws1d4\">247<span class=\"_ _8d\"> </span><span class=\"ls0 ws0\">1 7<span class=\"_ _8\"></span>11</span></span></span><span style=\"display:inherit;clear:left;\">Opsjoner<span class=\"_ _1\"></span>/<span class=\"_ _1\"></span>Cap/Floor<span class=\"_ _2\"></span>/Collar<span class=\"_ _1\"></span>/Sw<span class=\"_ _1\"></span>aption <span class=\"_ _120\"> </span><span class=\"ls0 ws0\">0<span class=\"_ _13\"> </span>0<span class=\"_ _13\"> </span>0<span class=\"_ _43\"> </span>0<span class=\"_ _49\"> </span>1<span class=\"_ _10c\"> </span>0</span></span><span style=\"display:inherit;clear:left;\">Sum rent<span class=\"_ _1\"></span>einstrumenter<span class=\"_ _11e\"> </span><span class=\"ls0 ws0\">131 7<span class=\"_ _8\"></span>19<span class=\"_ _226\"> </span></span>55<span class=\"_ _74\"> </span></span><span style=\"display:inherit;clear:left;\">1 654<span class=\"_ _189\"> </span></span><span style=\"display:inherit;clear:left;\">128 57<span class=\"_ _1\"></span>4<span class=\"_ _21a\"> </span><span class=\"ls84 wsdf\">24<span class=\"_ _8\"></span>8<span class=\"_ _8d\"> </span><span class=\"ls0 ws0\">1 711</span></span></span><span style=\"display:inherit;clear:left;\">Rente<span class=\"_ _1\"></span>- og v<span class=\"_ _1\"></span>alutaderiv<span class=\"_ _1\"></span>at<span class=\"_ _1\"></span>er<span class=\"_ _16c\"> </span></span><span style=\"display:inherit;clear:left;\">110 812<span class=\"_ _86\"> </span></span><span style=\"display:inherit;clear:left;\">4<span class=\"_ _8\"></span> 424<span class=\"_ _94\"> </span><span class=\"ls0 ws0\">2 566<span class=\"_ _74\"> </span><span class=\"lsa wsa\">85 6<span class=\"_ _8\"></span>37<span class=\"_ _86\"> </span></span>4 54<span class=\"_ _8\"></span>5<span class=\"_ _75\"> </span><span class=\"ls11e wsb9\">622</span></span></span><span style=\"display:inherit;clear:left;\">T<span class=\"_ _2\"></span>erminer<span class=\"_ _18b\"> </span></span><span style=\"display:inherit;clear:left;\">24 2<span class=\"_ _8\"></span>3<span class=\"_ _8\"></span>9<span class=\"_ _10\"> </span></span><span style=\"display:inherit;clear:left;\">130<span class=\"_ _3e\"> </span></span><span style=\"display:inherit;clear:left;\">320<span class=\"_ _5d\"> </span></span><span style=\"display:inherit;clear:left;\">12 54<span class=\"_ _8\"></span>4<span class=\"_ _3d\"> </span><span class=\"ls123 ws1cd\">101<span class=\"_ _92\"> </span><span class=\"ls21 ws175\">175</span></span></span><span style=\"display:inherit;clear:left;\">Sum r<span class=\"_ _1\"></span>ente<span class=\"_ _1\"></span>- og v<span class=\"_ _1\"></span>alutarela<span class=\"_ _1\"></span>terte<span class=\"_ _1\"></span> kontr<span class=\"_ _1\"></span>akter<span class=\"_ _10\"> </span><span class=\"ls0 ws0\">135 051<span class=\"_ _86\"> </span>4 5<span class=\"_ _8\"></span>54<span class=\"_ _ba\"> </span>2 88<span class=\"_ _8\"></span>5<span class=\"_ _72\"> </span><span class=\"lsa wsa\">9<span class=\"_ _8\"></span>8 182<span class=\"_ _86\"> </span></span>4 64<span class=\"_ _8\"></span>6<span class=\"_ _e9\"> </span><span class=\"ls82 ws14b\">797</span></span></span><span style=\"display:inherit;clear:left;\">Sum OT<span class=\"_ _1\"></span>C-deriv<span class=\"_ _1\"></span>a<span class=\"_ _1\"></span>ter<span class=\"_ _199\"> </span></span><span style=\"display:inherit;clear:left;\">2<span class=\"_ _8\"></span>6<span class=\"_ _8\"></span>6 7<span class=\"_ _8\"></span>70<span class=\"_ _65\"> </span><span class=\"ls0 ws0\">4 6<span class=\"_ _8\"></span>08<span class=\"_ _8e\"> </span>4 540<span class=\"_ _87\"> </span><span class=\"ls83 wsdd\">22<span class=\"_ _8\"></span>6 75<span class=\"_ _8\"></span>6<span class=\"_ _189\"> </span></span>4 8<span class=\"_ _8\"></span>94<span class=\"_ _6e\"> </span><span class=\"ls82 ws14b\">2 507</span></span></span><span style=\"display:inherit;clear:left;\">Beskrivelse a<span class=\"_ _1\"></span>v bank<span class=\"_ _1\"></span>ens styring<span class=\"_ _1\"></span> a<span class=\"_ _1\"></span>v markeds<span class=\"_ _1\"></span>risiko<span class=\"_ _1\"></span>, se no<span class=\"_ _1\"></span>te 21.</span><span style=\"display:inherit;clear:left;\">For yt<span class=\"_ _8\"></span>terl<span class=\"_ _8\"></span>igere b<span class=\"_ _8\"></span>esk<span class=\"_ _8\"></span>rive<span class=\"_ _8\"></span>lse av ban<span class=\"_ _8\"></span>kens rente- o<span class=\"_ _8\"></span>g valut<span class=\"_ _8\"></span>ast<span class=\"_ _8\"></span>yr<span class=\"_ _8\"></span>ing<span class=\"_ _8\"></span>, se note 2<span class=\"_ _8\"></span>2 og 23.</span><span style=\"display:inherit;clear:left;\">Rente<span class=\"_ _1\"></span>- og v<span class=\"_ _1\"></span>alutaderiv<span class=\"_ _1\"></span>at<span class=\"_ _1\"></span>er \u00f8remerk<span class=\"_ _1\"></span>et<span class=\"_ _1\"></span> for s<span class=\"_ _1\"></span>ikringsbokf\u00f8ring vedr<span class=\"_ _1\"></span>\u00f8rer<span class=\"_ _1\"></span> utelukk<span class=\"_ _1\"></span>ende da<span class=\"_ _1\"></span>tterselskapet<span class=\"_ _1\"></span> <span class=\"ls0 ws0\"> </span></span><span style=\"display:inherit;clear:left;\">Sparebanken V<span class=\"_ _2\"></span>est Bo<span class=\"_ _8\"></span>ligkreditt AS.</span><span style=\"display:inherit;clear:left;\">No<span class=\"_ _1\"></span>te 25 Re<span class=\"_ _1\"></span>gnskapsmessi<span class=\"_ _1\"></span>g sikr<span class=\"_ _8\"></span>ing a<span class=\"_ _1\"></span>v gje<span class=\"_ _1\"></span>ld stif<span class=\"_ _1\"></span>te<span class=\"_ _1\"></span>t v<span class=\"_ _1\"></span>ed u<span class=\"_ _1\"></span>tst<span class=\"_ _1\"></span>edel<span class=\"_ _1\"></span>se a<span class=\"_ _1\"></span>v v<span class=\"_ _2\"></span>erdipa<span class=\"_ _1\"></span>pirer</span><span style=\"display:inherit;clear:left;\">Konserne<span class=\"_ _1\"></span>t har e<span class=\"_ _1\"></span>tablert sikringsbokf\u00f8ring f<span class=\"_ _1\"></span>or \u00e5 oppn\u00e5 en r<span class=\"_ _1\"></span>egnskapsmes<span class=\"_ _1\"></span>sig behandling som re<span class=\"_ _1\"></span>\ufb02ekt<span class=\"_ _1\"></span>erer h<span class=\"_ _1\"></span>v<span class=\"_ _1\"></span>or<span class=\"_ _1\"></span>dan ren<span class=\"_ _1\"></span>t<span class=\"_ _1\"></span>erisiko og v<span class=\"_ _1\"></span>aluta<span class=\"_ _1\"></span>-</span><span style=\"display:inherit;clear:left;\">risiko s<span class=\"_ _1\"></span>tyr<span class=\"_ _1\"></span>es for s<span class=\"_ _1\"></span>t<span class=\"_ _1\"></span>\u00f8rre langsiktig<span class=\"_ _1\"></span>e innl\u00e5n knyt<span class=\"_ _1\"></span>te<span class=\"_ _1\"></span>t til boligkr<span class=\"_ _1\"></span>edit<span class=\"_ _1\"></span>tselskape<span class=\"_ _1\"></span>t. Sikringsobjektene best\u00e5r ut<span class=\"_ _1\"></span>elukkende a<span class=\"_ _2\"></span>v gjeld stifte<span class=\"_ _1\"></span>t ved </span><span style=\"display:inherit;clear:left;\">utst<span class=\"_ _1\"></span>edelse a<span class=\"_ _1\"></span>v finansielle instrumen<span class=\"_ _1\"></span>t<span class=\"_ _1\"></span>er og gjennomf<span class=\"_ _1\"></span>\u00f8r<span class=\"_ _1\"></span>es ihh<span class=\"_ _1\"></span>t IFRS 9 v<span class=\"_ _1\"></span>ed en virkelig v<span class=\"_ _1\"></span>er<span class=\"_ _1\"></span>disikring. </span><span style=\"display:inherit;clear:left;\">V<span class=\"_ _2\"></span>ed inng\u00e5else av sikring<span class=\"_ _1\"></span>en skjer de<span class=\"_ _1\"></span>t en formell \u00f8r<span class=\"_ _1\"></span>emerking og dok<span class=\"_ _1\"></span>umentasjon a<span class=\"_ _2\"></span>v sikringsforholde<span class=\"_ _1\"></span>t. Det ek<span class=\"_ _1\"></span>sist<span class=\"_ _1\"></span>erer en en<span class=\"_ _1\"></span>ty<span class=\"_ _1\"></span>dig, dir<span class=\"_ _1\"></span>ekte </span><span style=\"display:inherit;clear:left;\">og dokumen<span class=\"_ _1\"></span>tert sammenheng mellom v<span class=\"_ _1\"></span>er<span class=\"_ _1\"></span>disvingninger p\u00e5 sikringsobjekt<span class=\"_ _1\"></span>e<span class=\"_ _1\"></span>t som skyldes den sikr<span class=\"_ _1\"></span>ede risikoen, og v<span class=\"_ _1\"></span>er<span class=\"_ _1\"></span>disvingning<span class=\"_ _1\"></span>er f<span class=\"_ _1\"></span>or </span><span style=\"display:inherit;clear:left;\">de finansielle deriv<span class=\"_ _1\"></span>a<span class=\"_ _1\"></span>tene.  Sikring<span class=\"_ _1\"></span>en er dokumen<span class=\"_ _1\"></span>tert med hen<span class=\"_ _1\"></span>visning til konserne<span class=\"_ _1\"></span>ts risikos<span class=\"_ _1\"></span>tyringss<span class=\"_ _1\"></span>tr<span class=\"_ _1\"></span>a<span class=\"_ _1\"></span>tegi, en<span class=\"_ _1\"></span>ty<span class=\"_ _1\"></span>dig identifik<span class=\"_ _1\"></span>asjon a<span class=\"_ _1\"></span>v </span><span style=\"display:inherit;clear:left;\">sikringsobjekt og sikringsinstrumen<span class=\"_ _1\"></span>t, enty<span class=\"_ _1\"></span>dig beskriv<span class=\"_ _1\"></span>else a<span class=\"_ _1\"></span>v den sikr<span class=\"_ _1\"></span>ede risik<span class=\"_ _1\"></span>oen, samt en beskriv<span class=\"_ _1\"></span>else a<span class=\"_ _1\"></span>v h<span class=\"_ _1\"></span>v<span class=\"_ _1\"></span>orfor sikring<span class=\"_ _1\"></span>en f<span class=\"_ _1\"></span>orven<span class=\"_ _1\"></span>tes \u00e5 </span><span style=\"display:inherit;clear:left;\">v<span class=\"_ _1\"></span>\u00e6re e<span class=\"_ _1\"></span>ff<span class=\"_ _1\"></span>ektiv<span class=\"_ _2\"></span>.</span><span style=\"display:inherit;clear:left;\">Sikringsinstrumen<span class=\"_ _1\"></span>tene (r<span class=\"_ _1\"></span>en<span class=\"_ _1\"></span>te- o<span class=\"_ _1\"></span>g v<span class=\"_ _1\"></span>alutaswapper) r<span class=\"_ _1\"></span>egnskaps<span class=\"_ _1\"></span>f<span class=\"_ _1\"></span>\u00f8r<span class=\"_ _1\"></span>es til virkelig v<span class=\"_ _1\"></span>er<span class=\"_ _1\"></span>di, mens sikringsobjekt<span class=\"_ _1\"></span>ene blir bokf<span class=\"_ _1\"></span>\u00f8rt til virkelig v<span class=\"_ _1\"></span>er<span class=\"_ _1\"></span>di </span><span style=\"display:inherit;clear:left;\">for de risik<span class=\"_ _1\"></span>oene som sikr<span class=\"_ _1\"></span>es (r<span class=\"_ _1\"></span>en<span class=\"_ _1\"></span>te og v<span class=\"_ _1\"></span>aluta). Sikringsine<span class=\"_ _1\"></span>ff<span class=\"_ _1\"></span>ektivite<span class=\"_ _1\"></span>t, definert som f<span class=\"_ _1\"></span>orskjell mellom v<span class=\"_ _1\"></span>er<span class=\"_ _1\"></span>dir<span class=\"_ _1\"></span>egulering a<span class=\"_ _1\"></span>v sikringsins<span class=\"_ _1\"></span>trumen-</span><span style=\"display:inherit;clear:left;\">ter sammenligne<span class=\"_ _1\"></span>t med v<span class=\"_ _1\"></span>er<span class=\"_ _1\"></span>diregulering a<span class=\"_ _2\"></span>v de sikrede risikoer i objekt<span class=\"_ _1\"></span>ene, r<span class=\"_ _1\"></span>esulta<span class=\"_ _1\"></span>tf<span class=\"_ _1\"></span>\u00f8r<span class=\"_ _1\"></span>es l\u00f8pende i result<span class=\"_ _1\"></span>a<span class=\"_ _1\"></span>tr<span class=\"_ _1\"></span>egnskapet. Unn<span class=\"_ _1\"></span>take<span class=\"_ _1\"></span>t er den </span><span style=\"display:inherit;clear:left;\">delen a<span class=\"_ _1\"></span>v ver<span class=\"_ _1\"></span>dir<span class=\"_ _1\"></span>egulering som skyldes endring i basis spr<span class=\"_ _1\"></span>ead kn<span class=\"_ _1\"></span>ytt<span class=\"_ _1\"></span>e<span class=\"_ _1\"></span>t til sikringsinstrumen<span class=\"_ _1\"></span>tene som pr<span class=\"_ _1\"></span>esen<span class=\"_ _1\"></span>t<span class=\"_ _1\"></span>ere<span class=\"_ _1\"></span>s i utvidet r<span class=\"_ _1\"></span>esulta<span class=\"_ _1\"></span>t.</span><span style=\"display:inherit;clear:left;\">Sikringsinstrumen<span class=\"_ _1\"></span>tene vur<span class=\"_ _1\"></span>der<span class=\"_ _1\"></span>es til virk<span class=\"_ _1\"></span>elig v<span class=\"_ _1\"></span>erdi og v<span class=\"_ _1\"></span>er<span class=\"_ _1\"></span>diendring<span class=\"_ _1\"></span>er inng\u00e5r i \u00abNe<span class=\"_ _1\"></span>tt<span class=\"_ _1\"></span>o ge<span class=\"_ _1\"></span>vinst/(tap) p\u00e5 finansielle ins<span class=\"_ _1\"></span>trument<span class=\"_ _1\"></span>er\u00bb i r<span class=\"_ _1\"></span>esulta<span class=\"_ _1\"></span>-</span><span style=\"display:inherit;clear:left;\">te<span class=\"_ _1\"></span>t. V<span class=\"_ _1\"></span>er<span class=\"_ _1\"></span>diendring<span class=\"_ _1\"></span>er knyt<span class=\"_ _1\"></span>te<span class=\"_ _1\"></span>t til sikr<span class=\"_ _1\"></span>ede risikoer p\u00e5 sikringsobjekt<span class=\"_ _1\"></span>ene inng\u00e5r i samme r<span class=\"_ _1\"></span>egnskapslinje. Ne<span class=\"_ _1\"></span>tt<span class=\"_ _1\"></span>o r<span class=\"_ _1\"></span>en<span class=\"_ _1\"></span>te p\u00e5 sikringsins<span class=\"_ _1\"></span>trumen-</span><span style=\"display:inherit;clear:left;\">tene pr<span class=\"_ _1\"></span>esen<span class=\"_ _1\"></span>ter<span class=\"_ _1\"></span>es p\u00e5 samme r<span class=\"_ _1\"></span>egnskapslinje som tilh\u00f8r<span class=\"_ _1\"></span>ende sikringsobjekt.   <span class=\"_ _a8\"> </span> <span class=\"_ _17\"> </span> </span><span style=\"display:inherit;clear:left;\">Sikrings-</span><span style=\"display:inherit;clear:left;\">instrumen<span class=\"_ _1\"></span>t </span><span style=\"display:inherit;clear:left;\">Sikringsobjekt </span><span style=\"display:inherit;clear:left;\">Ineff<span class=\"_ _1\"></span>ektivit<span class=\"_ _1\"></span>e<span class=\"_ _1\"></span>t </span><span style=\"display:inherit;clear:left;\">Sta<span class=\"_ _1\"></span>tus pr<span class=\"_ _0\"></span>. 31/12<span class=\"_ _1\"></span>-2<span class=\"_ _1\"></span>02<span class=\"_ _1\"></span>3</span><span style=\"display:inherit;clear:left;\">p\u00e5ly<span class=\"_ _1\"></span>dende</span><span style=\"display:inherit;clear:left;\">p\u00e5ly<span class=\"_ _1\"></span>dende</span><span style=\"display:inherit;clear:left;\">p\u00e5ly<span class=\"_ _1\"></span>dende</span><span style=\"display:inherit;clear:left;\">Innl\u00e5n til f<span class=\"_ _1\"></span>ast r<span class=\"_ _1\"></span>en<span class=\"_ _1\"></span>te:</span><span style=\"display:inherit;clear:left;\">Rent<span class=\"_ _1\"></span>e-sw<span class=\"_ _1\"></span>apper</span><span style=\"display:inherit;clear:left;\">P<span class=\"_ _1\"></span>\u00e5lydende NOK<span class=\"_ _28e\"> </span><span class=\"ls31 ws81\">3 75<span class=\"_ _8\"></span>0<span class=\"_ _64\"> </span>3<span class=\"_ _8\"></span> 750<span class=\"_ _ec\"> </span></span>0</span><span style=\"display:inherit;clear:left;\">Innl\u00e5n i v<span class=\"_ _1\"></span>aluta til f<span class=\"_ _1\"></span>ast r<span class=\"_ _1\"></span>en<span class=\"_ _1\"></span>te r<span class=\"_ _1\"></span>en<span class=\"_ _1\"></span>tesikr<span class=\"_ _1\"></span>e<span class=\"_ _1\"></span>t</span><span style=\"display:inherit;clear:left;\">Rent<span class=\"_ _1\"></span>e-sw<span class=\"_ _1\"></span>apper</span><span style=\"display:inherit;clear:left;\">P<span class=\"_ _1\"></span>\u00e5lydende EUR<span class=\"_ _28f\"> </span><span class=\"ls125 ws1cf\">200<span class=\"_ _e6\"> </span>20<span class=\"_ _8\"></span>0<span class=\"_ _ec\"> </span></span>0</span><span style=\"display:inherit;clear:left;\">Rent<span class=\"_ _1\"></span>e- og <span class=\"_ _4\"></span> </span><span style=\"display:inherit;clear:left;\">Innl\u00e5n i v<span class=\"_ _1\"></span>aluta til f<span class=\"_ _1\"></span>ast r<span class=\"_ _1\"></span>en<span class=\"_ _1\"></span>te r<span class=\"_ _1\"></span>en<span class=\"_ _1\"></span>te- og v<span class=\"_ _2\"></span>alutasikret</span><span style=\"display:inherit;clear:left;\">v<span class=\"_ _1\"></span>aluta<span class=\"_ _1\"></span>-sw<span class=\"_ _1\"></span>apper</span><span style=\"display:inherit;clear:left;\">P<span class=\"_ _1\"></span>\u00e5lydende EUR<span class=\"_ _290\"> </span>1 300<span class=\"_ _121\"> </span>1 300<span class=\"_ _ed\"> </span>0</span><span style=\"display:inherit;clear:left;\">Sikrings-</span><span style=\"display:inherit;clear:left;\">instrumen<span class=\"_ _1\"></span>t </span><span style=\"display:inherit;clear:left;\">Sikringsobjekt </span><span style=\"display:inherit;clear:left;\">Resulta<span class=\"_ _1\"></span>tf<span class=\"_ _1\"></span>\u00f8rt </span><span style=\"display:inherit;clear:left;\">p\u00e5ly<span class=\"_ _1\"></span>dende</span><span style=\"display:inherit;clear:left;\">balansev<span class=\"_ _1\"></span>er<span class=\"_ _1\"></span>di</span><span style=\"display:inherit;clear:left;\">ineff<span class=\"_ _1\"></span>ektivit<span class=\"_ _1\"></span>e<span class=\"_ _1\"></span>t</span><span style=\"display:inherit;clear:left;\">Bokf\u00f8rt v<span class=\"_ _1\"></span>er<span class=\"_ _1\"></span>di eiendeler<span class=\"_ _291\"> </span>1 944</span><span style=\"display:inherit;clear:left;\">Bokf\u00f8rt v<span class=\"_ _1\"></span>er<span class=\"_ _1\"></span>di gjeld<span class=\"_ _292\"> </span><span class=\"ls61 wsb5\">372<span class=\"_ _13\"> </span></span>20 5<span class=\"_ _1\"></span>77</span><span style=\"display:inherit;clear:left;\">Akkumulerte v<span class=\"_ _1\"></span>er<span class=\"_ _1\"></span>diendringer utg<span class=\"_ _1\"></span>\u00e5ende balanse<span class=\"_ _1cc\"> </span><span class=\"lsf6 ws158\">1<span class=\"_ _8\"></span> 602<span class=\"_ _23f\"> </span><span class=\"ls6 ws6\">-1<span class=\"_ _a\"></span> 497</span></span></span><span style=\"display:inherit;clear:left;\">Akkumulerte v<span class=\"_ _1\"></span>er<span class=\"_ _1\"></span>diendringer inng<span class=\"_ _1\"></span>\u00e5ende balanse<span class=\"_ _15b\"> </span>1 150<span class=\"_ _169\"> </span>-<span class=\"_ _1\"></span>1 17<span class=\"_ _1\"></span>2</span><span style=\"display:inherit;clear:left;\">Endringer i virk<span class=\"_ _1\"></span>elig ver<span class=\"_ _1\"></span>di<span class=\"_ _1d4\"> </span></span><span style=\"display:inherit;clear:left;\">452<span class=\"_ _69\"> </span><span class=\"ls4a ws9d\">-3<span class=\"_ _8\"></span>24<span class=\"_ _42\"> </span><span class=\"ls13 ws13\">1<span class=\"_ _8\"></span>27</span></span></span><span style=\"display:inherit;clear:left;\">V<span class=\"_ _2\"></span>alutaeff<span class=\"_ _1\"></span>ekter<span class=\"_ _19b\"> </span><span class=\"ls6 ws6\">-1<span class=\"_ _8\"></span>41</span></span><span style=\"display:inherit;clear:left;\">Regnskapsf<span class=\"_ _1\"></span>\u00f8rt ine<span class=\"_ _1\"></span>ff<span class=\"_ _1\"></span>ektivite<span class=\"_ _1\"></span>t v<span class=\"_ _1\"></span>ed oppl\u00f8sning a<span class=\"_ _1\"></span>v sikring<span class=\"_ _160\"> </span><span class=\"ls6 ws6\">-1</span></span><span style=\"display:inherit;clear:left;\">T<span class=\"_ _0\"></span>otalt<span class=\"_ _293\"> </span><span class=\"ls16 ws16\">-1<span class=\"_ _8\"></span>5</span></span><span style=\"display:inherit;clear:left;\">Ineff<span class=\"_ _1\"></span>ektivit<span class=\"_ _1\"></span>et f<span class=\"_ _2\"></span>\u00f8r<span class=\"_ _8\"></span>t ov<span class=\"_ _1\"></span>er or<span class=\"_ _1\"></span>din\u00e6rt r<span class=\"_ _1\"></span>esulta<span class=\"_ _1\"></span>t (g<span class=\"_ _1\"></span>evins<span class=\"_ _1\"></span>t/tap finansielle instrumen<span class=\"_ _1\"></span>ter)<span class=\"_ _294\"> </span><span class=\"ls6 ws6\">-1<span class=\"_ _8\"></span>0</span></span><span style=\"display:inherit;clear:left;\">V<span class=\"_ _2\"></span>erdiendringer f<span class=\"_ _1\"></span>\u00f8rt ov<span class=\"_ _1\"></span>er utvide<span class=\"_ _1\"></span>t r<span class=\"_ _1\"></span>esulta<span class=\"_ _1\"></span>tr<span class=\"_ _1\"></span>egnskap (basismar<span class=\"_ _1\"></span>gin)<span class=\"_ _1ba\"> </span><span class=\"ls120 ws1cb\">-5</span></span><span style=\"display:inherit;clear:left;\">T<span class=\"_ _0\"></span>otalt<span class=\"_ _293\"> </span><span class=\"ls16 ws16\">-1<span class=\"_ _8\"></span>5</span></span><span style=\"display:inherit;clear:left;\">Sikrings-</span><span style=\"display:inherit;clear:left;\">instrumen<span class=\"_ _1\"></span>t </span><span style=\"display:inherit;clear:left;\">Sikringsobjekt </span><span style=\"display:inherit;clear:left;\">Ineff<span class=\"_ _1\"></span>ektivit<span class=\"_ _1\"></span>e<span class=\"_ _1\"></span>t </span><span style=\"display:inherit;clear:left;\">Sta<span class=\"_ _1\"></span>tus pr<span class=\"_ _0\"></span>. 31/12<span class=\"_ _1\"></span>-2<span class=\"_ _1\"></span>022</span><span style=\"display:inherit;clear:left;\">p\u00e5ly<span class=\"_ _1\"></span>dende</span><span style=\"display:inherit;clear:left;\">p\u00e5ly<span class=\"_ _1\"></span>dende</span><span style=\"display:inherit;clear:left;\">p\u00e5ly<span class=\"_ _1\"></span>dende</span><span style=\"display:inherit;clear:left;\">Innl\u00e5n til f<span class=\"_ _1\"></span>ast r<span class=\"_ _1\"></span>en<span class=\"_ _1\"></span>te:</span><span style=\"display:inherit;clear:left;\">Rent<span class=\"_ _1\"></span>e-sw<span class=\"_ _1\"></span>apper</span><span style=\"display:inherit;clear:left;\">P<span class=\"_ _1\"></span>\u00e5lydende NOK<span class=\"_ _28e\"> </span><span class=\"ls31 ws81\">3 75<span class=\"_ _8\"></span>0<span class=\"_ _64\"> </span>3<span class=\"_ _8\"></span> 750<span class=\"_ _ec\"> </span></span>0</span><span style=\"display:inherit;clear:left;\">Rent<span class=\"_ _1\"></span>e- og <span class=\"_ _4\"></span> </span><span style=\"display:inherit;clear:left;\">Innl\u00e5n i v<span class=\"_ _1\"></span>aluta til f<span class=\"_ _1\"></span>ast r<span class=\"_ _1\"></span>en<span class=\"_ _1\"></span>te</span><span style=\"display:inherit;clear:left;\">v<span class=\"_ _1\"></span>aluta<span class=\"_ _1\"></span>-sw<span class=\"_ _1\"></span>apper</span><span style=\"display:inherit;clear:left;\">P<span class=\"_ _1\"></span>\u00e5lydende EUR<span class=\"_ _295\"> </span>1 510<span class=\"_ _10d\"> </span>1 510<span class=\"_ _ed\"> </span>0</span><span style=\"display:inherit;clear:left;\">Sikrings-</span><span style=\"display:inherit;clear:left;\">instrumen<span class=\"_ _1\"></span>t </span><span style=\"display:inherit;clear:left;\">Sikringsobjekt </span><span style=\"display:inherit;clear:left;\">Resulta<span class=\"_ _1\"></span>tf<span class=\"_ _1\"></span>\u00f8rt </span><span style=\"display:inherit;clear:left;\">p\u00e5ly<span class=\"_ _1\"></span>dende</span><span style=\"display:inherit;clear:left;\">balansev<span class=\"_ _1\"></span>er<span class=\"_ _1\"></span>di</span><span style=\"display:inherit;clear:left;\">ineff<span class=\"_ _1\"></span>ektivit<span class=\"_ _1\"></span>e<span class=\"_ _1\"></span>t</span><span style=\"display:inherit;clear:left;\">Bokf\u00f8rt v<span class=\"_ _1\"></span>er<span class=\"_ _1\"></span>di eiendeler<span class=\"_ _1e0\"> </span>1 296</span><span style=\"display:inherit;clear:left;\">Bokf\u00f8rt v<span class=\"_ _1\"></span>er<span class=\"_ _1\"></span>di gjeld<span class=\"_ _167\"> </span><span class=\"ls12c ws1d6\">130<span class=\"_ _63\"> </span></span>19 09<span class=\"_ _1\"></span>3</span><span style=\"display:inherit;clear:left;\">Akkumulerte v<span class=\"_ _1\"></span>er<span class=\"_ _1\"></span>diendringer utg<span class=\"_ _1\"></span>\u00e5ende balanse<span class=\"_ _148\"> </span>1 150<span class=\"_ _169\"> </span>-<span class=\"_ _1\"></span>1 17<span class=\"_ _1\"></span>2</span><span style=\"display:inherit;clear:left;\">Akkumulerte v<span class=\"_ _1\"></span>er<span class=\"_ _1\"></span>diendringer inng<span class=\"_ _1\"></span>\u00e5ende balanse<span class=\"_ _296\"> </span><span class=\"ls131 ws1dd\">2<span class=\"_ _8\"></span> 0<span class=\"_ _8\"></span>41<span class=\"_ _b1\"> </span></span>-2 116</span><span style=\"display:inherit;clear:left;\">Endringer i virk<span class=\"_ _1\"></span>elig ver<span class=\"_ _1\"></span>di<span class=\"_ _1e0\"> </span></span><span style=\"display:inherit;clear:left;\">-<span class=\"_ _8\"></span>891<span class=\"_ _e6\"> </span><span class=\"ls108 ws16a\">94<span class=\"_ _8\"></span>3<span class=\"_ _2d\"> </span><span class=\"ls138 ws1e5\">52</span></span></span><span style=\"display:inherit;clear:left;\">Regnskapsf<span class=\"_ _1\"></span>\u00f8rt ine<span class=\"_ _1\"></span>ff<span class=\"_ _1\"></span>ektivite<span class=\"_ _1\"></span>t v<span class=\"_ _1\"></span>ed oppl\u00f8sning a<span class=\"_ _1\"></span>v sikring<span class=\"_ _297\"> </span>0</span><span style=\"display:inherit;clear:left;\">T<span class=\"_ _0\"></span>otalt<span class=\"_ _298\"> </span><span class=\"ls8 ws8\">52</span></span><span style=\"display:inherit;clear:left;\">Ineff<span class=\"_ _1\"></span>ektivit<span class=\"_ _1\"></span>et f<span class=\"_ _2\"></span>\u00f8r<span class=\"_ _8\"></span>t ov<span class=\"_ _1\"></span>er or<span class=\"_ _1\"></span>din\u00e6rt r<span class=\"_ _1\"></span>esulta<span class=\"_ _1\"></span>t (g<span class=\"_ _1\"></span>evins<span class=\"_ _1\"></span>t/tap finansielle instrumen<span class=\"_ _1\"></span>ter)<span class=\"_ _14e\"> </span>1</span><span style=\"display:inherit;clear:left;\">V<span class=\"_ _2\"></span>erdiendringer f<span class=\"_ _1\"></span>\u00f8rt ov<span class=\"_ _1\"></span>er utvide<span class=\"_ _1\"></span>t r<span class=\"_ _1\"></span>esulta<span class=\"_ _1\"></span>tr<span class=\"_ _1\"></span>egnskap (basismar<span class=\"_ _1\"></span>gin)<span class=\"_ _279\"> </span><span class=\"ls138 ws1e5\">52</span></span><span style=\"display:inherit;clear:left;\">T<span class=\"_ _0\"></span>otalt<span class=\"_ _298\"> </span><span class=\"ls8 ws8\">52</span></span><span style=\"display:inherit;clear:left;\">Selskapet<span class=\"_ _1\"></span>s sikringsrelasjoner b<span class=\"_ _1\"></span>y<span class=\"_ _2\"></span><span class=\"ls14d ws1fd\">gg<span class=\"ls0 ws0\">er p\u00e5 r<span class=\"_ _1\"></span>ef<span class=\"_ _1\"></span>er<span class=\"_ _1\"></span>anser<span class=\"_ _1\"></span>en<span class=\"_ _1\"></span>ten NIBOR. De<span class=\"_ _1\"></span>t p\u00e5g\u00e5r e<span class=\"_ _1\"></span>t arbeid med r<span class=\"_ _1\"></span>ef<span class=\"_ _1\"></span>ormering a<span class=\"_ _2\"></span>v ref<span class=\"_ _1\"></span>er<span class=\"_ _1\"></span>anser<span class=\"_ _1\"></span>en<span class=\"_ _1\"></span>ter<span class=\"_ _0\"></span>, herunder </span></span></span><span style=\"display:inherit;clear:left;\">NIBOR-r<span class=\"_ _1\"></span>ent<span class=\"_ _1\"></span>en. Selskape<span class=\"_ _1\"></span>t Norsk<span class=\"_ _1\"></span>e Finansielle Ref<span class=\"_ _1\"></span>er<span class=\"_ _1\"></span>anser AS vil vider<span class=\"_ _1\"></span>e<span class=\"_ _1\"></span>f<span class=\"_ _1\"></span>\u00f8r<span class=\"_ _1\"></span>e NIBOR, forut<span class=\"_ _1\"></span>sa<span class=\"_ _1\"></span>tt a<span class=\"_ _1\"></span>t de mo<span class=\"_ _1\"></span>ttar kv<span class=\"_ _1\"></span>o<span class=\"_ _1\"></span>tering<span class=\"_ _1\"></span>er a<span class=\"_ _1\"></span>v NIBOR </span><span style=\"display:inherit;clear:left;\">fra panelbank<span class=\"_ _1\"></span>ene. Spar<span class=\"_ _1\"></span>ebanken V<span class=\"_ _2\"></span>est vur<span class=\"_ _1\"></span>der<span class=\"_ _1\"></span>er de<span class=\"_ _1\"></span>t som sannsynlig a<span class=\"_ _1\"></span>t NIBOR vil oppr<span class=\"_ _1\"></span>e<span class=\"_ _1\"></span>ttholdes ut r<span class=\"_ _1\"></span>es<span class=\"_ _1\"></span>ter<span class=\"_ _1\"></span>ende le<span class=\"_ _1\"></span>ve<span class=\"_ _1\"></span>tid p\u00e5 bank<span class=\"_ _1\"></span>ens </span><span style=\"display:inherit;clear:left;\">eksist<span class=\"_ _1\"></span>er<span class=\"_ _1\"></span>ende sikringsr<span class=\"_ _1\"></span>elasjoner<span class=\"_ _0\"></span>.</span><span style=\"display:inherit;clear:left;\">Note 26<span class=\"_ _8\"></span> A<span class=\"_ _8\"></span>ksjer</span><span style=\"display:inherit;clear:left;\">Aksjebeholdningen m\u00e5les<span class=\"_ _1\"></span> til virk<span class=\"_ _1\"></span>elig ver<span class=\"_ _1\"></span>di o<span class=\"_ _1\"></span>ver<span class=\"_ _1\"></span> resulta<span class=\"_ _1\"></span>t. Not<span class=\"_ _1\"></span>en viser<span class=\"_ _1\"></span> tall for<span class=\"_ _1\"></span> konsern.</span><span style=\"display:inherit;clear:left;\">Kos<span class=\"_ _1\"></span>tpris<span class=\"_ _10a\"> </span>31/12<span class=\"_ _1\"></span>-2<span class=\"_ _1\"></span>3<span class=\"_ _10a\"> </span>31/12<span class=\"_ _1\"></span>-22</span><span style=\"display:inherit;clear:left;\">Aksjer vur<span class=\"_ _1\"></span>dert til virk<span class=\"_ _1\"></span>elig ver<span class=\"_ _1\"></span>di o<span class=\"_ _1\"></span>ver<span class=\"_ _1\"></span> resulta<span class=\"_ _1\"></span>tet<span class=\"_ _1\"></span> er inndelt<span class=\"_ _1\"></span> i f\u00f8lg<span class=\"_ _1\"></span>ende portef\u00f8ljer</span><span style=\"display:inherit;clear:left;\">Virkelig v<span class=\"_ _1\"></span>er<span class=\"_ _1\"></span>di o<span class=\"_ _1\"></span>ver r<span class=\"_ _1\"></span>esulta<span class=\"_ _2\"></span>t<span class=\"_ _278\"> </span></span><span style=\"display:inherit;clear:left;\">5<span class=\"_ _8\"></span>42<span class=\"_ _75\"> </span><span class=\"ls82 ws14b\">560<span class=\"_ _91\"> </span><span class=\"ls125 ws1cf\">2<span class=\"_ _8\"></span>26</span></span></span><span style=\"display:inherit;clear:left;\">Aksjer vur<span class=\"_ _1\"></span>dert til virk<span class=\"_ _1\"></span>elig v<span class=\"_ _1\"></span>er<span class=\"_ _1\"></span>di ov<span class=\"_ _1\"></span>er r<span class=\"_ _1\"></span>esult<span class=\"_ _1\"></span>a<span class=\"_ _1\"></span>te<span class=\"_ _1\"></span>t<span class=\"_ _139\"> </span><span class=\"ls82 ws14b\">560<span class=\"_ _75\"> </span><span class=\"lsf6 ws158\">226</span></span></span><span style=\"display:inherit;clear:left;\">V<span class=\"_ _2\"></span>erdset<span class=\"_ _1\"></span>telsesme<span class=\"_ _1\"></span>tode</span><span style=\"display:inherit;clear:left;\">B\u00f8rsno<span class=\"_ _1\"></span>terte<span class=\"_ _299\"> </span><span class=\"ls139 ws1e6\">386<span class=\"_ _a1\"> </span></span>44</span><span style=\"display:inherit;clear:left;\">Aksjer vur<span class=\"_ _1\"></span>dert ut fra O<span class=\"_ _2\"></span>TC list<span class=\"_ _1\"></span>en<span class=\"_ _256\"> </span>0<span class=\"_ _13\"> </span>0</span><span style=\"display:inherit;clear:left;\">1)</span><span style=\"display:inherit;clear:left;\">Selskapenes egen vur<span class=\"_ _1\"></span>dering e<span class=\"_ _1\"></span>tt<span class=\"_ _1\"></span>er EVC<span class=\"_ _1\"></span>A </span><span style=\"display:inherit;clear:left;\">43<span class=\"_ _118\"> </span><span class=\"ls139 ws1e6\">51</span></span><span style=\"display:inherit;clear:left;\">2)</span><span style=\"display:inherit;clear:left;\">Aksjer vur<span class=\"_ _1\"></span>dert ut fra andr<span class=\"_ _1\"></span>e v<span class=\"_ _1\"></span>er<span class=\"_ _1\"></span>dse<span class=\"_ _1\"></span>tt<span class=\"_ _1\"></span>elsest<span class=\"_ _1\"></span>eknikker </span><span style=\"display:inherit;clear:left;\">131<span class=\"_ _66\"> </span><span class=\"ls125 ws1cf\">132</span></span><span style=\"display:inherit;clear:left;\">Aksjer vur<span class=\"_ _1\"></span>dert til virk<span class=\"_ _1\"></span>elig v<span class=\"_ _1\"></span>er<span class=\"_ _1\"></span>di ov<span class=\"_ _1\"></span>er r<span class=\"_ _1\"></span>esult<span class=\"_ _1\"></span>a<span class=\"_ _1\"></span>te<span class=\"_ _1\"></span>t<span class=\"_ _139\"> </span><span class=\"ls82 ws14b\">560<span class=\"_ _75\"> </span><span class=\"lsf6 ws158\">226</span></span></span><span style=\"display:inherit;clear:left;\">1)</span><span style=\"display:inherit;clear:left;\">  <span class=\"_ _4\"></span>Bankens inv<span class=\"_ _1\"></span>esteringe<span class=\"_ _1\"></span>r i v<span class=\"_ _1\"></span>entur<span class=\"_ _1\"></span>e-<span class=\"_ _1\"></span>ak<span class=\"_ _1\"></span>sjer er i<span class=\"_ _1\"></span> hov<span class=\"_ _1\"></span>edsak f<span class=\"_ _1\"></span>ondsinv<span class=\"_ _1\"></span>esteringer<span class=\"_ _1\"></span> (eller<span class=\"_ _1\"></span> deltakelse<span class=\"_ _1\"></span> i in<span class=\"_ _1\"></span>vestering<span class=\"_ _1\"></span>sselskap)<span class=\"_ _1\"></span>. Enk<span class=\"_ _1\"></span>elte<span class=\"_ _1\"></span> a<span class=\"_ _1\"></span>v </span><span style=\"display:inherit;clear:left;\">fondene/<span class=\"_ _1\"></span>selskapene<span class=\"_ _1\"></span> utarbeider selv prisvur<span class=\"_ _1\"></span>deringer<span class=\"_ _1\"></span> p\u00e5 grunnlag a<span class=\"_ _1\"></span>v underliggende portef\u00f8lje<span class=\"_ _1\"></span>ver<span class=\"_ _1\"></span>di, som ben<span class=\"_ _1\"></span>yttes ved </span><span style=\"display:inherit;clear:left;\">verdse<span class=\"_ _1\"></span>ttelse.</span><span style=\"display:inherit;clear:left;\">2)</span><span style=\"display:inherit;clear:left;\"> V<span class=\"_ _1\"></span>erdivur<span class=\"_ _1\"></span>deringer<span class=\"_ _1\"></span> by<span class=\"_ _1\"></span>g<span class=\"_ _8\"></span>ger<span class=\"_ _1\"></span> p\u00e5 sist<span class=\"_ _1\"></span>e emisjonskur<span class=\"_ _1\"></span>s, omsetnings<span class=\"_ _1\"></span>ver<span class=\"_ _1\"></span>dier vi har<span class=\"_ _1\"></span> kunnskap<span class=\"_ _1\"></span> om og/eller<span class=\"_ _1\"></span> tilg<span class=\"_ _8\"></span>jengelig regnskapsin<span class=\"_ _1\"></span>formasjon<span class=\"_ _1\"></span> </span><span style=\"display:inherit;clear:left;\">der<span class=\"_ _8\"></span>som ik<span class=\"_ _8\"></span>ke oms<span class=\"_ _8\"></span>etni<span class=\"_ _8\"></span>ng har f<span class=\"_ _8\"></span>unnet s<span class=\"_ _8\"></span>ted. \u00c5<span class=\"_ _8\"></span>pe<span class=\"_ _8\"></span>nba<span class=\"_ _8\"></span>re mer<span class=\"_ _8\"></span>verdi<span class=\"_ _8\"></span>er ta<span class=\"_ _8\"></span>s inn s<span class=\"_ _8\"></span>om verdi<span class=\"_ _8\"></span>juste<span class=\"_ _8\"></span>rin<span class=\"_ _8\"></span>g, me<span class=\"_ _8\"></span>ns min<span class=\"_ _8\"></span>dre po<span class=\"_ _8\"></span>ster f\u00f8<span class=\"_ _8\"></span>lges i d<span class=\"_ _8\"></span>en g<span class=\"_ _8\"></span>rad det </span><span style=\"display:inherit;clear:left;\">er behov<span class=\"_ _1\"></span> for<span class=\"_ _1\"></span> nedskrivning.</span><span style=\"display:inherit;clear:left;\">Konsernet<span class=\"_ _1\"></span> har k<span class=\"_ _1\"></span>ommitert seg f<span class=\"_ _1\"></span>or ytterliger<span class=\"_ _1\"></span>e innbetaling a<span class=\"_ _1\"></span>v<span class=\"_ _1\"></span> egenkapital kn<span class=\"_ _1\"></span>yttet til<span class=\"_ _1\"></span> f\u00f8lgende<span class=\"_ _1\"></span> ordin\u00e6r<span class=\"_ _1\"></span>e aksjer<span class=\"_ _1\"></span>ammer og<span class=\"_ _1\"></span> </span><span style=\"display:inherit;clear:left;\">vent<span class=\"_ _1\"></span>urein<span class=\"_ _1\"></span>vesteri<span class=\"_ _1\"></span>nger per 3<span class=\"_ _1\"></span>1. desember 202<span class=\"_ _1\"></span>3:<span class=\"_ _1\"></span> <span class=\"_ _c8\"> </span> <span class=\"_ _74\"> </span> <span class=\"_ _18\"> </span> <span class=\"_ _17\"> </span> <span class=\"_ _17\"> </span> </span><span style=\"display:inherit;clear:left;\">Kommit<span class=\"_ _1\"></span>erte bel\u00f8p kn<span class=\"_ _1\"></span>ytt<span class=\"_ _1\"></span>e<span class=\"_ _1\"></span>t til aksjein<span class=\"_ _1\"></span>v<span class=\"_ _1\"></span>est<span class=\"_ _1\"></span>ering<span class=\"_ _1\"></span>er<span class=\"_ _15e\"> </span>Komm. bel\u00f8p<span class=\"_ _a5\"> </span>Innbetalt</span><span style=\"display:inherit;clear:left;\">Sar<span class=\"_ _8\"></span>sia Se<span class=\"_ _8\"></span>ed Fond I<span class=\"_ _8\"></span>I AS<span class=\"_ _1ad\"> </span><span class=\"ls82 ws14b\">50<span class=\"_ _a2\"> </span><span class=\"ls120 ws1cb\">34</span></span></span><span style=\"display:inherit;clear:left;\">Kommit<span class=\"_ _1\"></span>ert bel\u00f8p knyt<span class=\"_ _1\"></span>te<span class=\"_ _1\"></span>t til aksjeinv<span class=\"_ _1\"></span>es<span class=\"_ _1\"></span>tering<span class=\"_ _1\"></span>er per 31. desember 2<span class=\"_ _1\"></span>0<span class=\"_ _1\"></span>22 utgjor<span class=\"_ _1\"></span>de 64 millioner kroner<span class=\"_ _0\"></span>, hv<span class=\"_ _1\"></span>or<span class=\"_ _1\"></span>a<span class=\"_ _1\"></span>v 38 millioner kr<span class=\"_ _1\"></span>oner v<span class=\"_ _1\"></span>ar </span><span style=\"display:inherit;clear:left;\">innbetalt.</span><span style=\"display:inherit;clear:left;\">Sp<span class=\"_ _8\"></span>esifi<span class=\"_ _8\"></span>ka<span class=\"_ _8\"></span>sjon av ak<span class=\"_ _8\"></span>sjer o<span class=\"_ _8\"></span>g and<span class=\"_ _8\"></span>el<span class=\"_ _8\"></span>er pr<span class=\"_ _1\"></span>. 31/12-<span class=\"_ _1\"></span>2023</span><span style=\"display:inherit;clear:left;\">Balansef<span class=\"_ _1\"></span>\u00f8rt v<span class=\"_ _1\"></span>er<span class=\"_ _1\"></span>di i tusen kroner<span class=\"_ _35\"> </span><span class=\"ff1\">Antall aksjer<span class=\"_ _c4\"> </span>Eierandel i pr<span class=\"_ _1\"></span>osen<span class=\"_ _1\"></span>t<span class=\"_ _6f\"> </span>Balanse<span class=\"_ _1\"></span>v<span class=\"_ _1\"></span>er<span class=\"_ _1\"></span>di</span></span><span style=\"display:inherit;clear:left;\">Berg<span class=\"_ _1\"></span>ensa<span class=\"_ _1\"></span>visen Konsern A<span class=\"_ _1\"></span>S<span class=\"_ _29a\"> </span>315 840<span class=\"_ _41\"> </span><span class=\"ls109 ws16b\">9,8<span class=\"_ _8\"></span> %<span class=\"_ _e6\"> </span></span>7 896</span><span style=\"display:inherit;clear:left;\">Eksportfinans ASA<span class=\"_ _279\"> </span>2 638<span class=\"_ _2f\"> </span>1,0 %<span class=\"_ _64\"> </span><span class=\"ls125 ws1cf\">60<span class=\"_ _8\"></span> 298</span></span><span style=\"display:inherit;clear:left;\">Sandnes Sparebank<span class=\"_ _29b\"> </span>3<span class=\"_ _1\"></span>7<span class=\"_ _1\"></span>0 65<span class=\"_ _1\"></span>9<span class=\"_ _ca\"> </span>1,6 %<span class=\"_ _c8\"> </span>33 915</span><span style=\"display:inherit;clear:left;\">Sarsia Seed AS<span class=\"_ _1a3\"> </span>50 22<span class=\"_ _1\"></span>4<span class=\"_ _10f\"> </span><span class=\"ls109 ws16b\">10,0<span class=\"_ _8\"></span> %<span class=\"_ _43\"> </span></span>13 043</span><span style=\"display:inherit;clear:left;\">Sarsia Seed F<span class=\"_ _2\"></span>ond II AS<span class=\"_ _101\"> </span><span class=\"ls82 ws14b\">39 999 999<span class=\"_ _67\"> </span></span>13,<span class=\"_ _1\"></span>4 %<span class=\"_ _21e\"> </span><span class=\"ls137 ws1e4\">27<span class=\"_ _8\"></span> 72<span class=\"_ _8\"></span>0</span></span><span style=\"display:inherit;clear:left;\">Sparebank<span class=\"_ _1\"></span>en S\u00f8r<span class=\"_ _29b\"> </span>2 400 000<span class=\"_ _41\"> </span><span class=\"ls139 ws1e6\">5,8 %<span class=\"_ _99\"> </span><span class=\"ls120 ws1cb\">345 600</span></span></span><span style=\"display:inherit;clear:left;\">Visa Norg<span class=\"_ _1\"></span>e AS<span class=\"_ _29c\"> </span><span class=\"ls84 wsdf\">3,8<span class=\"_ _8\"></span> %<span class=\"_ _110\"> </span></span>3<span class=\"_ _1\"></span>0 654</span><span style=\"display:inherit;clear:left;\">Andre selsk<span class=\"_ _1\"></span>aper<span class=\"_ _29d\"> </span><span class=\"ls138 ws1e5\">40<span class=\"_ _8\"></span> 982</span></span><span style=\"display:inherit;clear:left;\">Sum inv<span class=\"_ _1\"></span>es<span class=\"_ _1\"></span>tering<span class=\"_ _1\"></span>er i aksjer o<span class=\"_ _1\"></span>g andeler<span class=\"_ _287\"> </span>56<span class=\"_ _1\"></span>0 109</span><span style=\"display:inherit;clear:left;\">Note 2<span class=\"_ _8\"></span>7<span class=\"_ _8\"></span> L<span class=\"_ _8\"></span>i<span class=\"_ _8\"></span>k<span class=\"_ _8\"></span>v<span class=\"_ _8\"></span>id<span class=\"_ _8\"></span>itetsr<span class=\"_ _a\"></span>isi<span class=\"_ _8\"></span>ko/rest<span class=\"_ _8\"></span>l\u00f8<span class=\"_ _8\"></span>pet<span class=\"_ _8\"></span>id</span><span style=\"display:inherit;clear:left;\">Likviditetsrisiko best\u00e5r av t<span class=\"_ _1\"></span>o elementer; r<span class=\"_ _1\"></span>efinansieringsrisiko og<span class=\"_ _1\"></span> prisrisiko. Med r<span class=\"_ _1\"></span>efinansieringsrisiko menes risik<span class=\"_ _1\"></span>oen for ikk<span class=\"_ _1\"></span>e \u00e5<span class=\"_ _1\"></span> </span><span style=\"display:inherit;clear:left;\">v\u00e6re i st<span class=\"_ _8\"></span>and t<span class=\"_ _8\"></span>il \u00e5 refi<span class=\"_ _8\"></span>nans<span class=\"_ _8\"></span>iere g<span class=\"_ _a\"></span>jel<span class=\"_ _8\"></span>d og ik<span class=\"_ _8\"></span>ke ha evne t<span class=\"_ _8\"></span>il \u00e5 fi<span class=\"_ _8\"></span>nans<span class=\"_ _8\"></span>iere e<span class=\"_ _8\"></span>n \u00f8kni<span class=\"_ _8\"></span>ng i ei<span class=\"_ _8\"></span>end<span class=\"_ _8\"></span>eler<span class=\"_ _1\"></span>. Med p<span class=\"_ _8\"></span>risr<span class=\"_ _8\"></span>isiko m<span class=\"_ _8\"></span>ene<span class=\"_ _8\"></span>s ris<span class=\"_ _8\"></span>ikoen fo<span class=\"_ _8\"></span>r ikke \u00e5 </span><span style=\"display:inherit;clear:left;\">v\u00e6r<span class=\"_ _1\"></span>e i stand<span class=\"_ _1\"></span> til \u00e5 r<span class=\"_ _1\"></span>efinansier<span class=\"_ _1\"></span>e f<span class=\"_ _1\"></span>orpliktelser uten<span class=\"_ _1\"></span> at<span class=\"_ _1\"></span> det oppst\u00e5r v<span class=\"_ _1\"></span>esentlige<span class=\"_ _1\"></span> ekstr<span class=\"_ _1\"></span>aomkostn<span class=\"_ _1\"></span>inger i<span class=\"_ _1\"></span> form<span class=\"_ _1\"></span> av<span class=\"_ _1\"></span> ekstr<span class=\"_ _1\"></span>a dyr<span class=\"_ _1\"></span> finansiering </span><span style=\"display:inherit;clear:left;\">eller prisf<span class=\"_ _1\"></span>all p\u00e5<span class=\"_ _1\"></span> eiendeler som m\u00e5<span class=\"_ _1\"></span> realiser<span class=\"_ _1\"></span>es. Stra<span class=\"_ _1\"></span>tegisk styr<span class=\"_ _1\"></span>es likviditetsrisik<span class=\"_ _1\"></span>oen ved<span class=\"_ _1\"></span> etablering a<span class=\"_ _1\"></span>v styringsm\u00e5l<span class=\"_ _1\"></span> og r<span class=\"_ _1\"></span>ammer g<span class=\"_ _8\"></span>jennom </span><span style=\"display:inherit;clear:left;\">likviditetsrisikostrat<span class=\"_ _1\"></span>egien, som f\u00f8lger a<span class=\"_ _1\"></span>v bankens<span class=\"_ _1\"></span> ILA<span class=\"_ _8\"></span>AP-<span class=\"_ _1\"></span>prosess. Banken har m\u00e5l og<span class=\"_ _1\"></span> rammer f<span class=\"_ _1\"></span>or samlet likviditetspor<span class=\"_ _8\"></span>tef\u00f8lje,<span class=\"_ _1\"></span> LCR, </span><span style=\"display:inherit;clear:left;\">NSFR og stabil<span class=\"_ _1\"></span> finansieringsgra<span class=\"_ _1\"></span>d per segment (<span class=\"_ _1\"></span>innskudd under<span class=\"_ _1\"></span> innskuddsgarantien<span class=\"_ _1\"></span> som andel<span class=\"_ _1\"></span> av<span class=\"_ _1\"></span> netto u<span class=\"_ _1\"></span>tl\u00e5n per segment)<span class=\"_ _1\"></span>. </span><span style=\"display:inherit;clear:left;\">Bankens T<span class=\"_ _2\"></span>reasury-<span class=\"_ _2\"></span>funksjon er g<span class=\"_ _8\"></span>jennom likvi<span class=\"_ _8\"></span>ditetsrisik<span class=\"_ _1\"></span>ostra<span class=\"_ _1\"></span>tegi med vedleg<span class=\"_ _8\"></span>g tildelt opera<span class=\"_ _1\"></span>tive fullmakter til<span class=\"_ _1\"></span> \u00e5 styre </span><span style=\"display:inherit;clear:left;\">likviditetsrisikoen<span class=\"_ _1\"></span> i bank<span class=\"_ _1\"></span>en innen<span class=\"_ _1\"></span>for de<span class=\"_ _1\"></span> nevnt<span class=\"_ _1\"></span>e styringsr<span class=\"_ _1\"></span>ammene. K<span class=\"_ _1\"></span>onkret<span class=\"_ _1\"></span> medf\u00f8r<span class=\"_ _1\"></span>er dette<span class=\"_ _1\"></span> blant an<span class=\"_ _1\"></span>net ambisjoner<span class=\"_ _1\"></span> om en je<span class=\"_ _1\"></span>vn </span><span style=\"display:inherit;clear:left;\">forfallspr<span class=\"_ _1\"></span>ofil p\u00e5<span class=\"_ _1\"></span> bankens<span class=\"_ _1\"></span> kapitalmark<span class=\"_ _1\"></span>edsfinansiering, samt til<span class=\"_ _1\"></span>tak som sikr<span class=\"_ _1\"></span>er bank<span class=\"_ _1\"></span>ens handle<span class=\"_ _1\"></span>frihet under<span class=\"_ _1\"></span> ulik<span class=\"_ _1\"></span>e mark<span class=\"_ _1\"></span>edsforhold, </span><span style=\"display:inherit;clear:left;\">eksempelvis g<span class=\"_ _8\"></span>jennom bruk<span class=\"_ _1\"></span> a<span class=\"_ _1\"></span>v finansielle i<span class=\"_ _1\"></span>nstrumenter<span class=\"_ _1\"></span> eller pr<span class=\"_ _1\"></span>e-<span class=\"_ _2\"></span>finansiering av<span class=\"_ _1\"></span> obligasjonsforfall.<span class=\"_ _1\"></span>  </span><span style=\"display:inherit;clear:left;\">St\u00f8rst<span class=\"_ _1\"></span>edelen a<span class=\"_ _1\"></span>v bank<span class=\"_ _1\"></span>ens langsi<span class=\"_ _1\"></span>ktige finansiering med l\u00f8petid<span class=\"_ _1\"></span> ov<span class=\"_ _1\"></span>er ett \u00e5r<span class=\"_ _1\"></span> til endelig<span class=\"_ _1\"></span> forfall<span class=\"_ _1\"></span> har a<span class=\"_ _1\"></span>vtalte ren<span class=\"_ _1\"></span>tebetinge<span class=\"_ _1\"></span>lser kn<span class=\"_ _1\"></span>yttet opp </span><span style=\"display:inherit;clear:left;\">til ko<span class=\"_ _8\"></span>rt<span class=\"_ _8\"></span>sik<span class=\"_ _8\"></span>ti<span class=\"_ _8\"></span>g renteb<span class=\"_ _8\"></span>indi<span class=\"_ _8\"></span>ng. D<span class=\"_ _8\"></span>et<span class=\"_ _8\"></span>te bli<span class=\"_ _8\"></span>r g<span class=\"_ _8\"></span>jo<span class=\"_ _8\"></span>rt fo<span class=\"_ _8\"></span>r \u00e5 redus<span class=\"_ _8\"></span>ere rente<span class=\"_ _8\"></span>risi<span class=\"_ _8\"></span>koen ve<span class=\"_ _8\"></span>d \u00e5 l\u00e5ne i<span class=\"_ _8\"></span>nn mi<span class=\"_ _8\"></span>dler m<span class=\"_ _8\"></span>ed l<span class=\"_ _8\"></span>ang l\u00f8<span class=\"_ _8\"></span>pet<span class=\"_ _8\"></span>id.</span><span style=\"display:inherit;clear:left;\">I ta<span class=\"_ _8\"></span>bell<span class=\"_ _8\"></span>en er o<span class=\"_ _8\"></span>bli<span class=\"_ _8\"></span>gas<span class=\"_ _8\"></span>jons<span class=\"_ _8\"></span>g<span class=\"_ _8\"></span>j<span class=\"_ _8\"></span>eld o<span class=\"_ _8\"></span>g inns<span class=\"_ _8\"></span>kud<span class=\"_ _8\"></span>d tat<span class=\"_ _8\"></span>t med t<span class=\"_ _8\"></span>il p\u00e5l<span class=\"_ _8\"></span>yden<span class=\"_ _8\"></span>de og p<span class=\"_ _8\"></span>las<span class=\"_ _8\"></span>ser<span class=\"_ _8\"></span>t i ti<span class=\"_ _8\"></span>dsb<span class=\"_ _8\"></span>\u00e5nd<span class=\"_ _8\"></span>et for en<span class=\"_ _8\"></span>deli<span class=\"_ _8\"></span>g for<span class=\"_ _8\"></span>fall el<span class=\"_ _8\"></span>ler c<span class=\"_ _8\"></span>all<span class=\"_ _8\"></span>dato. I de<span class=\"_ _8\"></span>n </span><span style=\"display:inherit;clear:left;\">tid<span class=\"_ _8\"></span>ligs<span class=\"_ _8\"></span>te pe<span class=\"_ _8\"></span>rio<span class=\"_ _8\"></span>den (i<span class=\"_ _8\"></span>nnt. 1 m<span class=\"_ _8\"></span>nd) er d<span class=\"_ _8\"></span>et tat<span class=\"_ _8\"></span>t med i<span class=\"_ _8\"></span>nnsk<span class=\"_ _8\"></span>udd p<span class=\"_ _8\"></span>\u00e5 anford<span class=\"_ _8\"></span>ring<span class=\"_ _8\"></span>, co<span class=\"_ _8\"></span>llateral<span class=\"_ _8\"></span>inns<span class=\"_ _8\"></span>kud<span class=\"_ _8\"></span>d sam<span class=\"_ _8\"></span>t l\u00e5ne<span class=\"_ _8\"></span>tils<span class=\"_ _8\"></span>ag<span class=\"_ _8\"></span>n og ub<span class=\"_ _8\"></span>eny<span class=\"_ _8\"></span>tte<span class=\"_ _8\"></span>de </span><span style=\"display:inherit;clear:left;\">k<span class=\"_ _a\"></span>r<span class=\"_ _a\"></span>e<span class=\"_ _a\"></span>d<span class=\"_ _a\"></span>i<span class=\"_ _a\"></span>t<span class=\"_ _a\"></span>t<span class=\"_ _a\"></span>e<span class=\"_ _a\"></span>r.</span><span style=\"display:inherit;clear:left;\">K<span class=\"_ _1\"></span>ONSERN </span><span style=\"display:inherit;clear:left;\">Inntil 1 </span><span style=\"display:inherit;clear:left;\">F<span class=\"_ _1\"></span>r<span class=\"_ _1\"></span>a 1\u2013<span class=\"_ _1\"></span>3 </span><span style=\"display:inherit;clear:left;\">F<span class=\"_ _1\"></span>r<span class=\"_ _1\"></span>a 3 mnd <span class=\"_ _4\"></span> </span><span style=\"display:inherit;clear:left;\">Restl\u00f8pe<span class=\"_ _1\"></span>tid  pr<span class=\"_ _0\"></span>. 31/12-<span class=\"_ _1\"></span>2<span class=\"_ _1\"></span>023</span><span style=\"display:inherit;clear:left;\">m\u00e5ned</span><span style=\"display:inherit;clear:left;\">m\u00e5neder</span><span style=\"display:inherit;clear:left;\">til 1 \u00e5r<span class=\"_ _eb\"> </span>F<span class=\"_ _1\"></span>r<span class=\"_ _1\"></span>a 1\u20135 \u00e5r<span class=\"_ _a5\"> </span>Over 5 \u00e5r<span class=\"_ _108\"> </span>T<span class=\"_ _2\"></span>otalt</span><span style=\"display:inherit;clear:left;\">Gjeld til kredit<span class=\"_ _1\"></span>tins<span class=\"_ _1\"></span>titusjoner <span class=\"_ _29e\"> </span></span><span style=\"display:inherit;clear:left;\">5<span class=\"_ _8\"></span> 424<span class=\"_ _21d\"> </span><span class=\"ls12c ws1d6\">30<span class=\"_ _4c\"> </span><span class=\"ls133 ws1e0\">5 454</span></span></span><span style=\"display:inherit;clear:left;\">Innskudd fr<span class=\"_ _1\"></span>a kunder<span class=\"_ _1e4\"> </span>116 45<span class=\"_ _1\"></span>1<span class=\"_ _5d\"> </span>4 719<span class=\"_ _ba\"> </span><span class=\"ls8 ws8\">2<span class=\"_ _8\"></span> 429<span class=\"_ _246\"> </span></span>123 59<span class=\"_ _1\"></span>9</span><span style=\"display:inherit;clear:left;\">Gjeld stift<span class=\"_ _1\"></span>et v<span class=\"_ _1\"></span>ed uts<span class=\"_ _1\"></span>tedelse a<span class=\"_ _2\"></span>v verdipapir<span class=\"_ _1\"></span>er<span class=\"_ _29f\"> </span><span class=\"ls82 ws14b\">50<span class=\"_ _94\"> </span></span>5 632<span class=\"_ _6b\"> </span>10 7<span class=\"_ _2\"></span>43<span class=\"_ _90\"> </span>121 366<span class=\"_ _74\"> </span>11 2<span class=\"_ _1\"></span>61<span class=\"_ _dc\"> </span>14<span class=\"_ _1\"></span>9 05<span class=\"_ _1\"></span>2</span><span style=\"display:inherit;clear:left;\">Rent<span class=\"_ _1\"></span>eutbe<span class=\"_ _1\"></span>talinger<span class=\"_ _7a\"> </span></span><span style=\"display:inherit;clear:left;\">2<span class=\"_ _8\"></span>28<span class=\"_ _91\"> </span><span class=\"ls136 ws1e3\">8<span class=\"_ _8\"></span>39<span class=\"_ _6e\"> </span></span></span><span style=\"display:inherit;clear:left;\">3 486<span class=\"_ _ba\"> </span>9 880<span class=\"_ _66\"> </span><span class=\"ls6b wsc3\">671<span class=\"_ _189\"> </span></span>15 104</span><span style=\"display:inherit;clear:left;\">L\u00e5netilsagn og uben<span class=\"_ _1\"></span>ytt<span class=\"_ _1\"></span>ede kr<span class=\"_ _1\"></span>editt<span class=\"_ _1\"></span>er<span class=\"_ _e4\"> </span>23 4<span class=\"_ _1\"></span>15<span class=\"_ _b0\"> </span>2<span class=\"_ _1\"></span>3 4<span class=\"_ _2\"></span>15</span><span style=\"display:inherit;clear:left;\">Ansv<span class=\"_ _1\"></span>arlig l\u00e5nekapital<span class=\"_ _2a0\"> </span><span class=\"ls82 ws14b\">500<span class=\"_ _93\"> </span></span>1 650<span class=\"_ _29\"> </span>2 150</span><span style=\"display:inherit;clear:left;\">Rent<span class=\"_ _1\"></span>eutbe<span class=\"_ _1\"></span>talinger<span class=\"_ _183\"> </span>5<span class=\"_ _226\"> </span></span><span style=\"display:inherit;clear:left;\">30<span class=\"_ _97\"> </span></span><span style=\"display:inherit;clear:left;\">87<span class=\"_ _68\"> </span><span class=\"ls126 ws1d0\">311<span class=\"_ _a7\"> </span><span class=\"ls9 ws9\">433</span></span></span><span style=\"display:inherit;clear:left;\">Sum utbetaling<span class=\"_ _1\"></span>er<span class=\"_ _13e\"> </span>30 06<span class=\"_ _1\"></span>6<span class=\"_ _9b\"> </span>11 220<span class=\"_ _6b\"> </span>17 275<span class=\"_ _dc\"> </span>133 20<span class=\"_ _2\"></span>7<span class=\"_ _189\"> </span>11 932<span class=\"_ _9f\"> </span>20<span class=\"_ _1\"></span>3 7<span class=\"_ _1\"></span>00</span><span style=\"display:inherit;clear:left;\">Finansielle deriv<span class=\"_ _1\"></span>a<span class=\"_ _1\"></span>t<span class=\"_ _1\"></span>er</span><span style=\"display:inherit;clear:left;\">Kon<span class=\"_ _1\"></span>tr<span class=\"_ _1\"></span>aktsmessig<span class=\"_ _1\"></span>e kon<span class=\"_ _1\"></span>tan<span class=\"_ _1\"></span>ts<span class=\"_ _1\"></span>tr\u00f8mmer ut<span class=\"_ _e4\"> </span></span><span style=\"display:inherit;clear:left;\">497<span class=\"_ _74\"> </span><span class=\"ls31 ws81\">6 0<span class=\"_ _8\"></span>57<span class=\"_ _5d\"> </span></span></span><span style=\"display:inherit;clear:left;\">4 519<span class=\"_ _9b\"> </span><span class=\"ls4a ws9d\">6<span class=\"_ _8\"></span>1<span class=\"_ _8\"></span> 76<span class=\"_ _8\"></span>8<span class=\"_ _6b\"> </span></span>10 886<span class=\"_ _83\"> </span><span class=\"ls137 ws1e4\">8<span class=\"_ _8\"></span>3<span class=\"_ _8\"></span> 726</span></span><span style=\"display:inherit;clear:left;\">Kon<span class=\"_ _1\"></span>tr<span class=\"_ _1\"></span>aktsmessig<span class=\"_ _1\"></span>e kon<span class=\"_ _1\"></span>tan<span class=\"_ _1\"></span>ts<span class=\"_ _1\"></span>tr\u00f8mmer inn<span class=\"_ _192\"> </span><span class=\"ls12c ws1d6\">30<span class=\"_ _8\"></span>6<span class=\"_ _94\"> </span></span>6 653<span class=\"_ _108\"> </span>3 500<span class=\"_ _cd\"> </span><span class=\"ls125 ws1cf\">62<span class=\"_ _8\"></span> 432<span class=\"_ _65\"> </span></span>11 42<span class=\"_ _2\"></span>4<span class=\"_ _83\"> </span>84 314</span><span style=\"display:inherit;clear:left;\">K<span class=\"_ _1\"></span>ONSERN </span><span style=\"display:inherit;clear:left;\">Inntil 1 </span><span style=\"display:inherit;clear:left;\">F<span class=\"_ _1\"></span>r<span class=\"_ _1\"></span>a 1\u2013<span class=\"_ _1\"></span>3 </span><span style=\"display:inherit;clear:left;\">F<span class=\"_ _1\"></span>r<span class=\"_ _1\"></span>a 3 mnd <span class=\"_ _4\"></span> </span><span style=\"display:inherit;clear:left;\">Restl\u00f8pe<span class=\"_ _1\"></span>tid pr<span class=\"_ _0\"></span>. 31/12-<span class=\"_ _1\"></span>2<span class=\"_ _1\"></span>022</span><span style=\"display:inherit;clear:left;\">m\u00e5ned</span><span style=\"display:inherit;clear:left;\">m\u00e5neder</span><span style=\"display:inherit;clear:left;\">til 1 \u00e5r<span class=\"_ _eb\"> </span>F<span class=\"_ _1\"></span>r<span class=\"_ _1\"></span>a 1\u20135 \u00e5r<span class=\"_ _a5\"> </span>Over 5 \u00e5r<span class=\"_ _108\"> </span>T<span class=\"_ _2\"></span>otalt</span><span style=\"display:inherit;clear:left;\">Gjeld til kredit<span class=\"_ _1\"></span>tins<span class=\"_ _1\"></span>titusjoner <span class=\"_ _2a1\"> </span><span class=\"ls133 ws1e0\">3 095<span class=\"_ _27a\"> </span>3 095</span></span><span style=\"display:inherit;clear:left;\">Rent<span class=\"_ _1\"></span>eutbe<span class=\"_ _1\"></span>talinger<span class=\"_ _183\"> </span>0<span class=\"_ _13b\"> </span>0</span><span style=\"display:inherit;clear:left;\">Innskudd fr<span class=\"_ _1\"></span>a kunder<span class=\"_ _17d\"> </span>10<span class=\"_ _2\"></span>7 701<span class=\"_ _1b\"> </span></span><span style=\"display:inherit;clear:left;\">3 251<span class=\"_ _1a\"> </span></span><span style=\"display:inherit;clear:left;\">1 292<span class=\"_ _9d\"> </span><span class=\"ls12c ws1d6\">30<span class=\"_ _e2\"> </span></span></span><span style=\"display:inherit;clear:left;\">112 2<span class=\"_ _1\"></span>7<span class=\"_ _0\"></span>4</span><span style=\"display:inherit;clear:left;\">Rent<span class=\"_ _1\"></span>eutbe<span class=\"_ _1\"></span>talinger<span class=\"_ _148\"> </span>14<span class=\"_ _226\"> </span></span><span style=\"display:inherit;clear:left;\">26<span class=\"_ _9d\"> </span><span class=\"ls12c ws1d6\">36<span class=\"_ _10c\"> </span></span></span><span style=\"display:inherit;clear:left;\">0<span class=\"_ _4b\"> </span>77</span><span style=\"display:inherit;clear:left;\">Gjeld stift<span class=\"_ _1\"></span>et v<span class=\"_ _1\"></span>ed uts<span class=\"_ _1\"></span>tedelse a<span class=\"_ _2\"></span>v verdipapir<span class=\"_ _1\"></span>er<span class=\"_ _f9\"> </span><span class=\"ls139 ws1e6\">38<span class=\"_ _94\"> </span></span>5 4<span class=\"_ _1\"></span>22<span class=\"_ _108\"> </span>9 200<span class=\"_ _87\"> </span><span class=\"ls4a ws9d\">9<span class=\"_ _8\"></span>8<span class=\"_ _8\"></span> 724<span class=\"_ _6e\"> </span></span>11 67<span class=\"_ _1\"></span>3<span class=\"_ _cc\"> </span>125 05<span class=\"_ _1\"></span>7</span><span style=\"display:inherit;clear:left;\">Rent<span class=\"_ _1\"></span>eutbe<span class=\"_ _1\"></span>talinger<span class=\"_ _296\"> </span></span><span style=\"display:inherit;clear:left;\">130<span class=\"_ _e9\"> </span></span><span style=\"display:inherit;clear:left;\">552<span class=\"_ _1a\"> </span><span class=\"ls109 ws16b\">1<span class=\"_ _8\"></span> 928<span class=\"_ _98\"> </span></span></span><span style=\"display:inherit;clear:left;\">5 118</span><span style=\"display:inherit;clear:left;\"><span class=\"_ _e9\"> </span><span class=\"ls4a ws9d\">270<span class=\"_ _74\"> </span><span class=\"ls82 ws14b\">7 998</span></span></span><span style=\"display:inherit;clear:left;\">L\u00e5netilsagn og uben<span class=\"_ _1\"></span>ytt<span class=\"_ _1\"></span>ede kr<span class=\"_ _1\"></span>editt<span class=\"_ _1\"></span>er<span class=\"_ _203\"> </span>22 67<span class=\"_ _0\"></span>4<span class=\"_ _154\"> </span>22 67<span class=\"_ _0\"></span>4</span><span style=\"display:inherit;clear:left;\">Ansv<span class=\"_ _1\"></span>arlig l\u00e5nekapital<span class=\"_ _2a2\"> </span>1 845<span class=\"_ _5d\"> </span>1 845</span><span style=\"display:inherit;clear:left;\">Rent<span class=\"_ _1\"></span>eutbe<span class=\"_ _1\"></span>talinger<span class=\"_ _211\"> </span>4<span class=\"_ _df\"> </span>17<span class=\"_ _20e\"> </span></span><span style=\"display:inherit;clear:left;\">57<span class=\"_ _66\"> </span></span><span style=\"display:inherit;clear:left;\">31<span class=\"_ _8\"></span>2<span class=\"_ _92\"> </span><span class=\"ls9 ws9\">135<span class=\"_ _91\"> </span><span class=\"ls138 ws1e5\">52<span class=\"_ _8\"></span>5</span></span></span><span style=\"display:inherit;clear:left;\">Sum utbetaling<span class=\"_ _1\"></span>er<span class=\"_ _1cd\"> </span>133 657<span class=\"_ _6e\"> </span><span class=\"lsf6 ws158\">9 268<span class=\"_ _65\"> </span></span>12 513<span class=\"_ _19a\"> </span>104 185<span class=\"_ _83\"> </span>13 923<span class=\"_ _d8\"> </span><span class=\"ls12f ws1d9\">273<span class=\"_ _8\"></span> 54<span class=\"_ _8\"></span>5</span></span><span style=\"display:inherit;clear:left;\">Finansielle deriv<span class=\"_ _1\"></span>a<span class=\"_ _1\"></span>t<span class=\"_ _1\"></span>er</span><span style=\"display:inherit;clear:left;\">Kon<span class=\"_ _1\"></span>tr<span class=\"_ _1\"></span>aktsmessig<span class=\"_ _1\"></span>e kon<span class=\"_ _1\"></span>tan<span class=\"_ _1\"></span>ts<span class=\"_ _1\"></span>tr\u00f8mmer ut<span class=\"_ _203\"> </span><span class=\"ls82 ws14b\">808<span class=\"_ _11\"> </span></span>5 711<span class=\"_ _94\"> </span></span><span style=\"display:inherit;clear:left;\">3 4<span class=\"_ _8\"></span>57<span class=\"_ _89\"> </span><span class=\"ls82 ws14b\">54 809<span class=\"_ _8e\"> </span></span></span><span style=\"display:inherit;clear:left;\">10 9<span class=\"_ _1\"></span>7<span class=\"_ _1\"></span>3<span class=\"_ _83\"> </span><span class=\"ls31 ws81\">75<span class=\"_ _8\"></span> 759</span></span><span style=\"display:inherit;clear:left;\">Kon<span class=\"_ _1\"></span>tr<span class=\"_ _1\"></span>aktsmessig<span class=\"_ _1\"></span>e kon<span class=\"_ _1\"></span>tan<span class=\"_ _1\"></span>ts<span class=\"_ _1\"></span>tr\u00f8mmer inn<span class=\"_ _2e\"> </span></span><span style=\"display:inherit;clear:left;\">76<span class=\"_ _8\"></span>1<span class=\"_ _72\"> </span></span><span style=\"display:inherit;clear:left;\">5 951<span class=\"_ _94\"> </span></span><span style=\"display:inherit;clear:left;\">2<span class=\"_ _8\"></span> 503<span class=\"_ _87\"> </span><span class=\"ls138 ws1e5\">52<span class=\"_ _8\"></span> 969<span class=\"_ _86\"> </span></span></span><span style=\"display:inherit;clear:left;\"><span><span style=\"display:inherit;clear:left;\">10 531</span></span><span><span style=\"display:inherit;clear:left;\"><span class=\"_ _107\"> </span></span></span><span><span style=\"display:inherit;clear:left;\">72 714</span></span></span><span style=\"display:inherit;clear:left;\">Note 2<span class=\"_ _8\"></span>8 Net<span class=\"_ _8\"></span>to r<span class=\"_ _8\"></span>ente- o<span class=\"_ _8\"></span>g k<span class=\"_ _8\"></span>re<span class=\"_ _8\"></span>dit<span class=\"_ _8\"></span>tprov<span class=\"_ _8\"></span>isjonsi<span class=\"_ _8\"></span>n<span class=\"_ _8\"></span>ntek<span class=\"_ _8\"></span>ter</span><span style=\"display:inherit;clear:left;\">Innt<span class=\"_ _1\"></span>ektsf<span class=\"_ _1\"></span>\u00f8rt r<span class=\"_ _1\"></span>en<span class=\"_ _1\"></span>teinn<span class=\"_ _1\"></span>t<span class=\"_ _1\"></span>ekt beregnes v<span class=\"_ _1\"></span>ed \u00e5 ben<span class=\"_ _1\"></span>ytt<span class=\"_ _1\"></span>e e<span class=\"_ _1\"></span>ff<span class=\"_ _1\"></span>ektiv ren<span class=\"_ _1\"></span>t<span class=\"_ _1\"></span>emet<span class=\"_ _1\"></span>ode p\u00e5 brutt<span class=\"_ _1\"></span>o balanse<span class=\"_ _1\"></span>f\u00f8rt eiendel. Den e<span class=\"_ _1\"></span>ff<span class=\"_ _1\"></span>ektiv<span class=\"_ _1\"></span>e r<span class=\"_ _1\"></span>ent<span class=\"_ _1\"></span>e er den r<span class=\"_ _1\"></span>en-</span><span style=\"display:inherit;clear:left;\">ten som n\u00f8<span class=\"_ _1\"></span>y<span class=\"_ _1\"></span>aktig disk<span class=\"_ _1\"></span>on<span class=\"_ _1\"></span>ter<span class=\"_ _1\"></span>er den fr<span class=\"_ _1\"></span>em<span class=\"_ _1\"></span>tidige k<span class=\"_ _1\"></span>ontan<span class=\"_ _1\"></span>ts<span class=\"_ _1\"></span>tr<span class=\"_ _1\"></span>\u00f8m, gjennom f<span class=\"_ _1\"></span>orven<span class=\"_ _1\"></span>te<span class=\"_ _1\"></span>t le<span class=\"_ _1\"></span>ve<span class=\"_ _1\"></span>tid p\u00e5 de<span class=\"_ _1\"></span>t finansielle instrumen<span class=\"_ _1\"></span>t, til instrumen<span class=\"_ _1\"></span>t<span class=\"_ _1\"></span>ets </span><span style=\"display:inherit;clear:left;\">brutt<span class=\"_ _1\"></span>o bokf\u00f8rt<span class=\"_ _1\"></span>e v<span class=\"_ _1\"></span>erdi p\u00e5 innr<span class=\"_ _1\"></span>egnings<span class=\"_ _1\"></span>tidspunkte<span class=\"_ _1\"></span>t. Det<span class=\"_ _1\"></span>te inneb\u00e6r<span class=\"_ _1\"></span>er l\u00f8pende inn<span class=\"_ _1\"></span>t<span class=\"_ _1\"></span>ektsf<span class=\"_ _1\"></span>\u00f8ring a<span class=\"_ _1\"></span>v nominelle r<span class=\"_ _1\"></span>en<span class=\"_ _1\"></span>ter med tillegg a<span class=\"_ _2\"></span>v amor<span class=\"_ _8\"></span>tise-</span><span style=\"display:inherit;clear:left;\">ring a<span class=\"_ _1\"></span>v etableringsg<span class=\"_ _1\"></span>eb<span class=\"_ _1\"></span>yr<span class=\"_ _1\"></span>er fr<span class=\"_ _1\"></span>a<span class=\"_ _1\"></span>trukke<span class=\"_ _1\"></span>t dir<span class=\"_ _1\"></span>ekte e<span class=\"_ _1\"></span>tableringsk<span class=\"_ _1\"></span>ostnader o<span class=\"_ _1\"></span>g andre merbe<span class=\"_ _1\"></span>taling<span class=\"_ _1\"></span>er eller r<span class=\"_ _1\"></span>aba<span class=\"_ _1\"></span>tt<span class=\"_ _1\"></span>er<span class=\"_ _0\"></span>. </span><span style=\"display:inherit;clear:left;\">F<span class=\"_ _2\"></span>or gjeldsinstrument<span class=\"_ _1\"></span>er p\u00e5 eiendelssiden bokf<span class=\"_ _1\"></span>\u00f8rt til amortisert kost og som er nedskr<span class=\"_ _1\"></span>e<span class=\"_ _1\"></span>ve<span class=\"_ _1\"></span>t som f<span class=\"_ _1\"></span>\u00f8lg<span class=\"_ _1\"></span>e a<span class=\"_ _1\"></span>v objektive be<span class=\"_ _1\"></span>vis f<span class=\"_ _1\"></span>or tap (se no<span class=\"_ _1\"></span>te </span><span style=\"display:inherit;clear:left;\">11), innt<span class=\"_ _1\"></span>ektsf<span class=\"_ _1\"></span>\u00f8r<span class=\"_ _1\"></span>es r<span class=\"_ _1\"></span>en<span class=\"_ _1\"></span>ter basert p\u00e5 ne<span class=\"_ _1\"></span>tt<span class=\"_ _1\"></span>o balansef<span class=\"_ _1\"></span>\u00f8rt bel\u00f8p<span class=\"_ _1\"></span>.</span><span style=\"display:inherit;clear:left;\">Rent<span class=\"_ _1\"></span>ekos<span class=\"_ _1\"></span>tnaden f<span class=\"_ _1\"></span>or finansielle ins<span class=\"_ _1\"></span>trument<span class=\"_ _1\"></span>er vur<span class=\"_ _1\"></span>dert til amortisert kost f<span class=\"_ _1\"></span>\u00f8lg<span class=\"_ _1\"></span>er analogisk som beskre<span class=\"_ _1\"></span>ve<span class=\"_ _1\"></span>t om inn<span class=\"_ _1\"></span>tekts<span class=\"_ _1\"></span>f<span class=\"_ _1\"></span>\u00f8ring a<span class=\"_ _1\"></span>v r<span class=\"_ _1\"></span>en<span class=\"_ _1\"></span>ter </span><span style=\"display:inherit;clear:left;\">for eiendeler<span class=\"_ _0\"></span>. Kos<span class=\"_ _1\"></span>tnaden er den r<span class=\"_ _1\"></span>en<span class=\"_ _1\"></span>ten som n\u00f8<span class=\"_ _1\"></span>y<span class=\"_ _1\"></span>aktig disk<span class=\"_ _1\"></span>on<span class=\"_ _1\"></span>ter<span class=\"_ _1\"></span>er den fr<span class=\"_ _1\"></span>em<span class=\"_ _1\"></span>tidige k<span class=\"_ _1\"></span>ontan<span class=\"_ _1\"></span>ts<span class=\"_ _1\"></span>tr<span class=\"_ _1\"></span>\u00f8m p\u00e5 instrumen<span class=\"_ _1\"></span>t<span class=\"_ _1\"></span>et inklusiv<span class=\"_ _1\"></span>e ev<span class=\"_ _1\"></span>en<span class=\"_ _1\"></span>tuell </span><span style=\"display:inherit;clear:left;\">amortisering av k<span class=\"_ _1\"></span>os<span class=\"_ _1\"></span>tnader p\u00e5 e<span class=\"_ _1\"></span>tableringstidspunkt<span class=\"_ _1\"></span>et. F<span class=\"_ _2\"></span>or finansiell gjeld vurdert til virkelig v<span class=\"_ _1\"></span>er<span class=\"_ _1\"></span>di k<span class=\"_ _1\"></span>ostna<span class=\"_ _1\"></span>dsf<span class=\"_ _1\"></span>\u00f8r<span class=\"_ _1\"></span>es omkos<span class=\"_ _1\"></span>tninger p\u00e5 </span><span style=\"display:inherit;clear:left;\"><span><span style=\"display:inherit;clear:left;\">innregnings<span class=\"_ _1\"></span>tidspunkte<span class=\"_ _1\"></span>t og r<span class=\"_ _1\"></span>en<span class=\"_ _1\"></span>ten bes<span class=\"_ _1\"></span>t\u00e5r der<span class=\"_ _1\"></span>e<span class=\"_ _1\"></span>tt<span class=\"_ _1\"></span>er a<span class=\"_ _1\"></span>v periodiserte r<span class=\"_ _1\"></span>ent<span class=\"_ _1\"></span>eutbe<span class=\"_ _1\"></span>talinger f<span class=\"_ _1\"></span>or ins<span class=\"_ _1\"></span>trument<span class=\"_ _1\"></span>e<span class=\"_ _1\"></span>t.</span></span> </span><span style=\"display:inherit;clear:left;\">MORBANK<span class=\"_ _12c\"> </span><span class=\"lsc wsc\">KONSERN</span></span><span style=\"display:inherit;clear:left;\">2022<span class=\"_ _cc\"> </span>2023<span class=\"_ _16e\"> </span>2023<span class=\"_ _8a\"> </span>2022</span><span style=\"display:inherit;clear:left;\">460<span class=\"_ _c9\"> </span></span><span style=\"display:inherit;clear:left;\">1 049<span class=\"_ _b9\"> </span>Renter og<span class=\"_ _1\"></span> lignende inntekter<span class=\"_ _1\"></span> av<span class=\"_ _1\"></span> utl\u00e5n til<span class=\"_ _1\"></span> og f<span class=\"_ _1\"></span>ordringe<span class=\"_ _1\"></span>r p\u00e5 kr<span class=\"_ _1\"></span>edittinstitusjoner<span class=\"_ _69\"> </span><span class=\"ls0 ws0\">77<span class=\"_ _9a\"> </span>21</span></span><span style=\"display:inherit;clear:left;\">Renter<span class=\"_ _1\"></span> og lignende innt<span class=\"_ _1\"></span>ekter a<span class=\"_ _1\"></span>v utl\u00e5n<span class=\"_ _1\"></span> til og f<span class=\"_ _1\"></span>ordring<span class=\"_ _1\"></span>er p\u00e5 ku<span class=\"_ _1\"></span>nder</span><span style=\"display:inherit;clear:left;\">3<span class=\"_ _8\"></span> 41<span class=\"_ _8\"></span>9<span class=\"_ _131\"> </span></span><span style=\"display:inherit;clear:left;\">6 099<span class=\"_ _5a\"> </span></span><span style=\"display:inherit;clear:left;\">\u2013 vurder<span class=\"_ _8\"></span>t et<span class=\"_ _8\"></span>ter ef<span class=\"_ _8\"></span>fek<span class=\"_ _8\"></span>tiv rente<span class=\"_ _8\"></span>s meto<span class=\"_ _8\"></span>de <span class=\"_ _1\"></span> <span class=\"_ _1c8\"> </span><span class=\"ls8 ws8\">11<span class=\"_ _8\"></span> 76<span class=\"_ _8\"></span>0<span class=\"_ _87\"> </span><span class=\"lsa wsa\">6 3<span class=\"_ _8\"></span>14</span></span></span><span style=\"display:inherit;clear:left;\">152<span class=\"_ _65\"> </span></span><span style=\"display:inherit;clear:left;\">296<span class=\"_ _5a\"> </span></span><span style=\"display:inherit;clear:left;\">\u2013 vur<span class=\"_ _1\"></span>dert til virk<span class=\"_ _1\"></span>elig ver<span class=\"_ _1\"></span>di<span class=\"_ _1b8\"> </span><span class=\"ls0 ws0\">1 199<span class=\"_ _5d\"> </span><span class=\"ls21 ws175\">75<span class=\"_ _8\"></span>8</span></span></span><span style=\"display:inherit;clear:left;\">Renter<span class=\"_ _1\"></span> og lignende innt<span class=\"_ _1\"></span>ekter a<span class=\"_ _1\"></span>v sertifikater<span class=\"_ _0\"></span>, obligasjoner og andre<span class=\"_ _1\"></span> ren<span class=\"_ _1\"></span>teb\u00e6rende <span class=\"ls0 ws0\"> </span></span><span style=\"display:inherit;clear:left;\">ver<span class=\"_ _1\"></span>dipapirer</span><span style=\"display:inherit;clear:left;\">563<span class=\"_ _b7\"> </span></span><span style=\"display:inherit;clear:left;\">1 386<span class=\"_ _5a\"> </span></span><span style=\"display:inherit;clear:left;\">\u2013 vu<span class=\"_ _1\"></span>rdert til virk<span class=\"_ _1\"></span>elig v<span class=\"_ _1\"></span>erdi<span class=\"_ _29b\"> </span><span class=\"ls0 ws0\">1 45<span class=\"_ _8\"></span>5<span class=\"_ _5d\"> </span><span class=\"ls108 ws16a\">5<span class=\"_ _8\"></span>78</span></span></span><span style=\"display:inherit;clear:left;\">4 594<span class=\"_ _db\"> </span>8 830<span class=\"_ _11a\"> </span></span><span style=\"display:inherit;clear:left;\">Renteinntekter<span class=\"_ _1\"></span> og lignende innt<span class=\"_ _1\"></span>ekter<span class=\"_ _2a3\"> </span><span class=\"ls92 wsee\">14 49<span class=\"_ _8\"></span>0<span class=\"_ _87\"> </span><span class=\"ls0 ws0\">7 6<span class=\"_ _8\"></span>71</span></span></span><span style=\"display:inherit;clear:left;\">Renter<span class=\"_ _1\"></span> og lignende kos<span class=\"_ _1\"></span>tnader p\u00e5<span class=\"_ _1\"></span> g<span class=\"_ _8\"></span>jeld til kr<span class=\"_ _1\"></span>edittinstitusjoner</span><span style=\"display:inherit;clear:left;\">51<span class=\"_ _6f\"> </span></span><span style=\"display:inherit;clear:left;\">277<span class=\"_ _5a\"> </span></span><span style=\"display:inherit;clear:left;\">\u2013 vur<span class=\"_ _1\"></span>dert til amortisert kost<span class=\"_ _2a4\"> </span><span class=\"ls33 ws84\">199<span class=\"_ _21a\"> </span><span class=\"ls12 ws12\">23</span></span></span><span style=\"display:inherit;clear:left;\">Rent<span class=\"_ _8\"></span>er og li<span class=\"_ _8\"></span>gn<span class=\"_ _8\"></span>end<span class=\"_ _8\"></span>e kostn<span class=\"_ _8\"></span>ader p<span class=\"_ _8\"></span>\u00e5 inns<span class=\"_ _8\"></span>kud<span class=\"_ _8\"></span>d fra og g<span class=\"_ _a\"></span>jel<span class=\"_ _8\"></span>d til k<span class=\"_ _8\"></span>unde<span class=\"_ _8\"></span>r </span><span style=\"display:inherit;clear:left;\">1 073<span class=\"_ _dc\"> </span></span><span style=\"display:inherit;clear:left;\">3<span class=\"_ _8\"></span> 250<span class=\"_ _5a\"> </span></span><span style=\"display:inherit;clear:left;\">\u2013 vu<span class=\"_ _1\"></span>rdert til amortisert kost<span class=\"_ _15a\"> </span><span class=\"ls10 ws10\">3 171<span class=\"_ _87\"> </span><span class=\"ls0 ws0\">1 06<span class=\"_ _8\"></span>9</span></span></span><span style=\"display:inherit;clear:left;\">4<span class=\"_ _12\"> </span></span><span style=\"display:inherit;clear:left;\">56<span class=\"_ _5a\"> </span></span><span style=\"display:inherit;clear:left;\">\u2013 vu<span class=\"_ _1\"></span>rdert til virk<span class=\"_ _1\"></span>elig v<span class=\"_ _1\"></span>erdi<span class=\"_ _2a5\"> </span><span class=\"ls9a wsf7\">56<span class=\"_ _95\"> </span><span class=\"ls0 ws0\">4</span></span></span><span style=\"display:inherit;clear:left;\">Renter<span class=\"_ _1\"></span> og lignende kos<span class=\"_ _1\"></span>tnader p\u00e5<span class=\"_ _1\"></span> utstedte<span class=\"_ _1\"></span> ver<span class=\"_ _1\"></span>dipapirer<span class=\"_ _1\"></span> <span class=\"_ _c3\"> </span> </span><span style=\"display:inherit;clear:left;\">217<span class=\"_ _9b\"> </span></span><span style=\"display:inherit;clear:left;\">48<span class=\"_ _8\"></span>3<span class=\"_ _eb\"> </span></span><span style=\"display:inherit;clear:left;\">\u2013 vurdert til amortisert kost<span class=\"_ _2a6\"> </span><span class=\"ls108 ws16a\">2 7<span class=\"_ _8\"></span>78<span class=\"_ _83\"> </span><span class=\"ls125 ws1cf\">1 0<span class=\"_ _8\"></span>70</span></span></span><span style=\"display:inherit;clear:left;\">105<span class=\"_ _8e\"> </span></span><span style=\"display:inherit;clear:left;\">2<span class=\"_ _8\"></span>24<span class=\"_ _5a\"> </span></span><span style=\"display:inherit;clear:left;\">\u2013 vurdert til vi<span class=\"_ _1\"></span>rkelig v<span class=\"_ _1\"></span>erdi<span class=\"_ _1b8\"> </span><span class=\"ls0 ws0\">2 119<span class=\"_ _74\"> </span><span class=\"ls33 ws84\">935</span></span></span><span style=\"display:inherit;clear:left;\">\u2013 vurdert til<span class=\"_ _1\"></span> sikringsbokf\u00f8ring inkl.<span class=\"_ _1\"></span> ren<span class=\"_ _1\"></span>te p\u00e5<span class=\"_ _1\"></span> tilh\u00f8rende<span class=\"_ _1\"></span> deriva<span class=\"_ _1\"></span>ter <span class=\"_ _bf\"> </span> <span class=\"_ _119\"> </span><span class=\"ls7 ws7\">669<span class=\"_ _1a\"> </span><span class=\"ls59 wsac\">41<span class=\"_ _8\"></span>8</span></span></span><span style=\"display:inherit;clear:left;\">Renter<span class=\"_ _1\"></span> og lignende kos<span class=\"_ _1\"></span>tnader p\u00e5<span class=\"_ _1\"></span> ansvarl<span class=\"_ _1\"></span>ig l\u00e5nekapital</span><span style=\"display:inherit;clear:left;\">56<span class=\"_ _93\"> </span></span><span style=\"display:inherit;clear:left;\">113<span class=\"_ _5a\"> </span></span><span style=\"display:inherit;clear:left;\">\u2013 vur<span class=\"_ _1\"></span>dert til amortisert kost<span class=\"_ _2a7\"> </span><span class=\"ls14 ws14\">113<span class=\"_ _8d\"> </span><span class=\"ls9a wsf7\">56</span></span></span><span style=\"display:inherit;clear:left;\">0<span class=\"_ _8b\"> </span>0<span class=\"_ _5a\"> </span></span><span style=\"display:inherit;clear:left;\">\u2013 vur<span class=\"_ _1\"></span>dert til virkel<span class=\"_ _1\"></span>ig ver<span class=\"_ _1\"></span>di<span class=\"_ _1ba\"> </span><span class=\"ls0 ws0\">0<span class=\"_ _4a\"> </span>0</span></span><span style=\"display:inherit;clear:left;\">1)</span><span style=\"display:inherit;clear:left;\">16<span class=\"_ _78\"> </span><span class=\"ls10 ws10\">17<span class=\"_ _11a\"> </span><span class=\"ls5 ws5\">Andre ren<span class=\"_ _1\"></span>tek<span class=\"_ _1\"></span>ostnader og<span class=\"_ _1\"></span> lignende kostna<span class=\"_ _1\"></span>der </span></span></span><span style=\"display:inherit;clear:left;\">24<span class=\"_ _9a\"> </span><span class=\"ls9a wsf7\">18</span></span><span style=\"display:inherit;clear:left;\">71<span class=\"_ _12\"> </span></span><span style=\"display:inherit;clear:left;\">88<span class=\"_ _b9\"> </span></span><span style=\"display:inherit;clear:left;\">Avgift Bankenes sikringsfond<span class=\"_ _29b\"> </span><span class=\"ls14 ws14\">118<span class=\"_ _8d\"> </span><span class=\"ls2 ws2\">85</span></span></span><span style=\"display:inherit;clear:left;\">1 591<span class=\"_ _c7\"> </span></span><span style=\"display:inherit;clear:left;\">4<span class=\"_ _8\"></span> 507<span class=\"_ _11a\"> </span></span><span style=\"display:inherit;clear:left;\">Renteko<span class=\"_ _1\"></span>stnader og<span class=\"_ _1\"></span> lignende kost<span class=\"_ _1\"></span>nader<span class=\"_ _20f\"> </span><span class=\"ls0 ws0\">9 249<span class=\"_ _dd\"> </span>3 67<span class=\"_ _8\"></span>7</span></span><span style=\"display:inherit;clear:left;\">3 003<span class=\"_ _db\"> </span></span><span style=\"display:inherit;clear:left;\">4 322<span class=\"_ _11a\"> </span></span><span style=\"display:inherit;clear:left;\">Netto ren<span class=\"_ _1\"></span>te<span class=\"_ _1\"></span>\u2013 og kr<span class=\"_ _1\"></span>edittpr<span class=\"_ _1\"></span>ovisjonsinn<span class=\"_ _1\"></span>tekter<span class=\"_ _ab\"> </span><span class=\"lsa wsa\">5 2<span class=\"_ _8\"></span>42<span class=\"_ _cb\"> </span><span class=\"ls0 ws0\">3 994</span></span></span><span style=\"display:inherit;clear:left;\">1)</span><span style=\"display:inherit;clear:left;\">  <span class=\"_ _4\"></span>R<span class=\"_ _8\"></span>enter fra d<span class=\"_ _8\"></span>eri<span class=\"_ _8\"></span>vater som e<span class=\"_ _8\"></span>r inng<span class=\"_ _8\"></span>\u00e5tt for \u00e5 st<span class=\"_ _8\"></span>yre rent<span class=\"_ _8\"></span>eris<span class=\"_ _8\"></span>iko i ban<span class=\"_ _8\"></span>kens ord<span class=\"_ _8\"></span>in\u00e6re p<span class=\"_ _8\"></span>or<span class=\"_ _8\"></span>tef\u00f8lj<span class=\"_ _8\"></span>er er k<span class=\"_ _8\"></span>las<span class=\"_ _8\"></span>sif<span class=\"_ _8\"></span>ise<span class=\"_ _8\"></span>rt s<span class=\"_ _8\"></span>om rente o<span class=\"_ _8\"></span>g f\u00f8r<span class=\"_ _8\"></span>t som e<span class=\"_ _8\"></span>n </span><span style=\"display:inherit;clear:left;\">justering<span class=\"_ _1\"></span> til bank<span class=\"_ _1\"></span>ens \u00f8<span class=\"_ _1\"></span>vrige r<span class=\"_ _1\"></span>enteinn<span class=\"_ _1\"></span>tekter<span class=\"_ _1\"></span>/<span class=\"_ _2\"></span>-kostna<span class=\"_ _1\"></span>der<span class=\"_ _2\"></span>. T<span class=\"_ _2\"></span>otalt er r<span class=\"_ _1\"></span>ent<span class=\"_ _1\"></span>enettoen tilf<span class=\"_ _1\"></span>\u00f8rt 180 mil<span class=\"_ _1\"></span>lioner kroner<span class=\"_ _1\"></span> for<span class=\"_ _1\"></span> morbanken<span class=\"_ _1\"></span> og </span><span style=\"display:inherit;clear:left;\">belastet 1<span class=\"_ _1\"></span> 37<span class=\"_ _1\"></span>5 mi<span class=\"_ _1\"></span>llioner kr<span class=\"_ _1\"></span>oner for<span class=\"_ _1\"></span> konserne<span class=\"_ _1\"></span>t kn<span class=\"_ _1\"></span>yttet til r<span class=\"_ _1\"></span>enter<span class=\"_ _1\"></span> fra<span class=\"_ _1\"></span> finansielle deriv<span class=\"_ _1\"></span>a<span class=\"_ _1\"></span>ter<span class=\"_ _2\"></span>.</span><span style=\"display:inherit;clear:left;\">Note 2<span class=\"_ _8\"></span>9 Net<span class=\"_ _8\"></span>to a<span class=\"_ _8\"></span>ndr<span class=\"_ _8\"></span>e dr<span class=\"_ _8\"></span>i<span class=\"_ _8\"></span>ftsi<span class=\"_ _8\"></span>n<span class=\"_ _8\"></span>ntek<span class=\"_ _8\"></span>ter</span><span style=\"display:inherit;clear:left;\">MORBANK<span class=\"_ _12c\"> </span><span class=\"lsc wsc\">KONSERN</span></span><span style=\"display:inherit;clear:left;\">2022<span class=\"_ _cc\"> </span>2023<span class=\"_ _16e\"> </span>2023<span class=\"_ _8a\"> </span>2022</span><span style=\"display:inherit;clear:left;\"> 43 <span class=\"_ _6e\"> </span> 56 <span class=\"_ _26d\"> </span></span><span style=\"display:inherit;clear:left;\">Garantipr<span class=\"_ _1\"></span>ovis<span class=\"_ _1\"></span>jon<span class=\"_ _2a8\"> </span><span class=\"ls82 ws14b\"> 56 <span class=\"_ _1b\"> </span><span class=\"ls122 ws1cc\"> 43 </span></span></span><span style=\"display:inherit;clear:left;\"> 357 <span class=\"_ _cd\"> </span></span><span style=\"display:inherit;clear:left;\"> 383 <span class=\"_ _26d\"> </span></span><span style=\"display:inherit;clear:left;\">Gebyrer<span class=\"_ _1\"></span> fra<span class=\"_ _1\"></span> betalingsformidling <span class=\"_ _198\"> </span><span class=\"ls0 ws0\"> 38<span class=\"_ _8\"></span>3 <span class=\"_ _8e\"> </span><span class=\"lsf wsf\"> 3<span class=\"_ _8\"></span>57 </span></span></span><span style=\"display:inherit;clear:left;\"> 162 <span class=\"_ _ba\"> </span></span><span style=\"display:inherit;clear:left;\"> 111 <span class=\"_ _26d\"> </span></span><span style=\"display:inherit;clear:left;\">Inntekter fr<span class=\"_ _1\"></span>a f<span class=\"_ _1\"></span>orsikring<span class=\"_ _2a9\"> </span><span class=\"ls14 ws14\"> 111 <span class=\"_ _6f\"> </span><span class=\"ls0 ws0\"> 1<span class=\"_ _8\"></span>62 </span></span></span><span style=\"display:inherit;clear:left;\"> 120 <span class=\"_ _83\"> </span> 120 <span class=\"_ _26d\"> </span></span><span style=\"display:inherit;clear:left;\">Inntekter<span class=\"_ _1\"></span> fra<span class=\"_ _1\"></span> sparing og<span class=\"_ _1\"></span> plassering<span class=\"_ _f4\"> </span><span class=\"ls122 ws1cc\"> 120 <span class=\"_ _6f\"> </span> 120 </span></span><span style=\"display:inherit;clear:left;\"> 47<span class=\"_ _8\"></span>3<span class=\"_ _8\"></span> <span class=\"_ _b7\"> </span><span class=\"ls125 ws1cf\"> 4<span class=\"_ _8\"></span>42<span class=\"_ _8\"></span> <span class=\"_ _26d\"> </span><span class=\"ls5 ws5\">Pr<span class=\"_ _1\"></span>ovisjonsinn<span class=\"_ _1\"></span>tekter fr<span class=\"_ _1\"></span>a k<span class=\"_ _1\"></span>onsernselskap</span></span></span><span style=\"display:inherit;clear:left;\"> 92 <span class=\"_ _65\"> </span></span><span style=\"display:inherit;clear:left;\"> 112 <span class=\"_ _26d\"> </span></span><span style=\"display:inherit;clear:left;\">Andre<span class=\"_ _1\"></span> pro<span class=\"_ _1\"></span>visjoner og<span class=\"_ _1\"></span> geb<span class=\"_ _1\"></span>yrer<span class=\"_ _1ac\"> </span><span class=\"ls122 ws1cc\"> 112<span class=\"_ _8\"></span> <span class=\"_ _72\"> </span><span class=\"ls0 ws0\"> 92 </span></span></span><span style=\"display:inherit;clear:left;\"> 1 248 <span class=\"_ _10a\"> </span> 1 224 <span class=\"_ _c4\"> </span></span><span style=\"display:inherit;clear:left;\">Provis<span class=\"_ _1\"></span>jonsinntekter<span class=\"_ _1\"></span> og innt<span class=\"_ _1\"></span>ekter fr<span class=\"_ _1\"></span>a banktjenester<span class=\"_ _149\"> </span><span class=\"ls62 wsb6\"> 783 <span class=\"_ _189\"> </span><span class=\"ls83 wsdd\"> 7<span class=\"_ _8\"></span>75 </span></span></span><span style=\"display:inherit;clear:left;\"> 103 <span class=\"_ _189\"> </span> 11<span class=\"_ _8\"></span>6 <span class=\"_ _c4\"> </span><span class=\"lse wse\">Gebyr betalingsformidling<span class=\"_ _166\"> </span></span> 116 <span class=\"_ _86\"> </span> 1<span class=\"_ _8\"></span>03 </span><span style=\"display:inherit;clear:left;\"> 8 <span class=\"_ _98\"> </span> 4 <span class=\"_ _26d\"> </span></span><span style=\"display:inherit;clear:left;\">Kostnader<span class=\"_ _1\"></span> knyttet til<span class=\"_ _1\"></span> sparing og<span class=\"_ _1\"></span> plassering<span class=\"_ _2aa\"> </span><span class=\"ls0 ws0\"> 4 <span class=\"_ _e9\"> </span> 8 </span></span><span style=\"display:inherit;clear:left;\"> 3 <span class=\"_ _17\"> </span> 7 <span class=\"_ _26d\"> </span></span><span style=\"display:inherit;clear:left;\">Andre<span class=\"_ _1\"></span> pro<span class=\"_ _1\"></span>visjoner og g<span class=\"_ _1\"></span>ebyr<span class=\"_ _1\"></span>er<span class=\"_ _17e\"> </span><span class=\"ls0 ws0\"> 9 <span class=\"_ _75\"> </span> 4 </span></span><span style=\"display:inherit;clear:left;\"> 115 <span class=\"_ _85\"> </span><span class=\"ls0 ws0\"> 127 <span class=\"_ _c4\"> </span><span class=\"ls7 ws7\">Provisjonskostnader og kostnader ved banktjenester<span class=\"_ _ae\"> </span></span> 129 <span class=\"_ _94\"> </span></span> 116 </span><span style=\"display:inherit;clear:left;\"> 43<span class=\"_ _8\"></span>6 <span class=\"_ _83\"> </span> 180 <span class=\"_ _c4\"> </span></span><span style=\"display:inherit;clear:left;\">Inntekter a<span class=\"_ _1\"></span>v eierint<span class=\"_ _1\"></span>eresser i<span class=\"_ _1\"></span> d\u00f8tre</span><span style=\"display:inherit;clear:left;\"> 148 <span class=\"_ _85\"> </span></span><span style=\"display:inherit;clear:left;\"> 13<span class=\"_ _8\"></span>9 <span class=\"_ _c4\"> </span></span><span style=\"display:inherit;clear:left;\">Inntekter a<span class=\"_ _1\"></span>v eierin<span class=\"_ _1\"></span>teresser i<span class=\"_ _1\"></span> tilknyttede selskaper<span class=\"_ _71\"> </span><span class=\"ls0 ws0\"> 2<span class=\"_ _8\"></span>15 <span class=\"_ _9b\"> </span><span class=\"ls122 ws1cc\"> 262 </span></span></span><span style=\"display:inherit;clear:left;\"> 584 <span class=\"_ _83\"> </span> 319 <span class=\"_ _26d\"> </span></span><span style=\"display:inherit;clear:left;\">Innt<span class=\"_ _1\"></span>ekter a<span class=\"_ _1\"></span>v eierint<span class=\"_ _1\"></span>eresser<span class=\"_ _1\"></span> i k<span class=\"_ _1\"></span>onsernselskaper og tilkn<span class=\"_ _1\"></span>yttede selskaper<span class=\"_ _ca\"> </span><span class=\"ls0 ws0\"> 2<span class=\"_ _8\"></span>15 <span class=\"_ _107\"> </span> 262 </span></span><span style=\"display:inherit;clear:left;\"> 37 <span class=\"_ _17\"> </span><span class=\"ls0 ws0\"> 3 <span class=\"_ _c4\"> </span><span class=\"ls13f ws1ed\">Ut<span class=\"_ _8\"></span>by<span class=\"_ _8\"></span>tt<span class=\"_ _8\"></span>e<span class=\"_ _2ab\"> </span></span> 3 <span class=\"_ _12\"> </span></span> 37 </span><span style=\"display:inherit;clear:left;\">1)</span><span style=\"display:inherit;clear:left;\"> -1<span class=\"_ _8\"></span>3<span class=\"_ _a\"></span>0<span class=\"_ _a\"></span> <span class=\"_ _6b\"> </span><span class=\"ls4a ws9d\"> -2<span class=\"_ _8\"></span>5<span class=\"_ _8\"></span> <span class=\"_ _26d\"> </span><span class=\"ls5 ws5\">Gevinst/<span class=\"_ _1\"></span>(tap<span class=\"_ _1\"></span>) p\u00e5<span class=\"_ _1\"></span> sertifikater<span class=\"_ _1\"></span> og obligasjoner </span></span></span><span style=\"display:inherit;clear:left;\"> -37 <span class=\"_ _6b\"> </span><span class=\"ls122 ws1cc\"> -<span class=\"_ _1\"></span>126 </span></span><span style=\"display:inherit;clear:left;\"> 37 <span class=\"_ _65\"> </span></span><span style=\"display:inherit;clear:left;\"> 44 <span class=\"_ _26d\"> </span></span><span style=\"display:inherit;clear:left;\">Gevinst/(<span class=\"_ _1\"></span>tap<span class=\"_ _1\"></span>) p\u00e5<span class=\"_ _1\"></span> aksjer<span class=\"_ _1b0\"> </span><span class=\"ls0 ws0\"> 44 <span class=\"_ _e9\"> </span> 5 </span></span><span style=\"display:inherit;clear:left;\">1)</span><span style=\"display:inherit;clear:left;\"> 4 <span class=\"_ _89\"> </span> 203 <span class=\"_ _c4\"> </span><span class=\"ls5 ws5\">Gevinst/(<span class=\"_ _1\"></span>tap)<span class=\"_ _1\"></span> p\u00e5 finansielle<span class=\"_ _1\"></span> deriva<span class=\"_ _1\"></span>ter<span class=\"_ _1\"></span> </span></span><span style=\"display:inherit;clear:left;\"> 36 <span class=\"_ _75\"> </span> 4 </span><span style=\"display:inherit;clear:left;\"> 81 <span class=\"_ _5d\"> </span> 91 <span class=\"_ _26d\"> </span></span><span style=\"display:inherit;clear:left;\">Gevinst/(<span class=\"_ _1\"></span>tap<span class=\"_ _1\"></span>) p\u00e5 v<span class=\"_ _1\"></span>aluta<span class=\"_ _13b\"> </span><span class=\"ls0 ws0\"> 89 <span class=\"_ _18\"> </span> 81 </span></span><span style=\"display:inherit;clear:left;\">Netto gevinst/<span class=\"_ _1\"></span>(<span class=\"_ _1\"></span>tap) finansielle instrumenter<span class=\"_ _0\"></span>, bestemt regnskapsf\u00f8rt <span class=\"ls0 ws0\"> </span></span><span style=\"display:inherit;clear:left;\">1)</span><span style=\"display:inherit;clear:left;\">til virkelig v<span class=\"_ _1\"></span>erdi </span><span style=\"display:inherit;clear:left;\"> 33 <span class=\"_ _107\"> </span></span><span style=\"display:inherit;clear:left;\"> -2<span class=\"_ _8\"></span>2<span class=\"_ _8\"></span> <span class=\"_ _10e\"> </span></span><span style=\"display:inherit;clear:left;\">\u2013 utl\u00e5n<span class=\"_ _248\"> </span><span class=\"ls82 ws14b\"> -37<span class=\"_ _8\"></span> <span class=\"_ _93\"> </span><span class=\"ls129 ws1d3\"> -1<span class=\"_ _8\"></span>5<span class=\"_ _a\"></span> </span></span></span><span style=\"display:inherit;clear:left;\"> 2 <span class=\"_ _98\"> </span><span class=\"ls129 ws1d3\"> -1<span class=\"_ _8\"></span> <span class=\"_ _10e\"> </span><span class=\"lse wse\">\u2013 innskudd<span class=\"_ _2ac\"> </span></span> -1<span class=\"_ _8\"></span> <span class=\"_ _8b\"> </span></span> 2 </span><span style=\"display:inherit;clear:left;\"> 17 <span class=\"_ _90\"> </span><span class=\"ls129 ws1d3\"> -1<span class=\"_ _a\"></span>2<span class=\"_ _8\"></span>5<span class=\"_ _a\"></span> <span class=\"_ _10e\"> </span><span class=\"ls0 ws0\">\u2013 g<span class=\"_ _8\"></span>j<span class=\"_ _8\"></span>eld s<span class=\"_ _8\"></span>tif<span class=\"_ _8\"></span>tet ved ut<span class=\"_ _8\"></span>sted<span class=\"_ _8\"></span>els<span class=\"_ _8\"></span>e av verdipa<span class=\"_ _8\"></span>pirer<span class=\"_ _18b\"> </span></span> -1<span class=\"_ _a\"></span>6<span class=\"_ _a\"></span>3<span class=\"_ _a\"></span> <span class=\"_ _11\"> </span><span class=\"ls0 ws0\"> 91 </span></span></span><span style=\"display:inherit;clear:left;\"> 6 <span class=\"_ _11\"> </span> 0 <span class=\"_ _10e\"> </span></span><span style=\"display:inherit;clear:left;\">\u2013 ansv<span class=\"_ _1\"></span>arlig l\u00e5nekapital<span class=\"_ _266\"> </span><span class=\"ls0 ws0\"> 0 <span class=\"_ _91\"> </span> 6 </span></span><span style=\"display:inherit;clear:left;\">Netto gevinst/<span class=\"_ _1\"></span>(<span class=\"_ _1\"></span>tap) finansielle instrumenter<span class=\"_ _0\"></span>, regnskapsf\u00f8rt til amor<span class=\"_ _8\"></span>tisert kost </span><span style=\"display:inherit;clear:left;\"> -2<span class=\"_ _8\"></span> <span class=\"_ _93\"> </span></span><span style=\"display:inherit;clear:left;\"> -3 <span class=\"_ _10e\"> </span></span><span style=\"display:inherit;clear:left;\">\u2013 g<span class=\"_ _8\"></span>j<span class=\"_ _8\"></span>eld s<span class=\"_ _8\"></span>tif<span class=\"_ _8\"></span>tet ved ut<span class=\"_ _8\"></span>sted<span class=\"_ _8\"></span>els<span class=\"_ _8\"></span>e av verdipa<span class=\"_ _8\"></span>pirer<span class=\"_ _1e6\"> </span><span class=\"ls129 ws1d3\"> -1<span class=\"_ _8\"></span>0<span class=\"_ _8\"></span> <span class=\"_ _14\"> </span> -1<span class=\"_ _a\"></span>1<span class=\"_ _8\"></span> </span></span><span style=\"display:inherit;clear:left;\">Netto gevinst/<span class=\"_ _1\"></span>(<span class=\"_ _1\"></span>tap) finansielle instrumenter<span class=\"_ _1\"></span> knyttet til sikringsbokf\u00f8ring</span><span style=\"display:inherit;clear:left;\">\u2013 deriva<span class=\"_ _1\"></span>ter<span class=\"_ _1\"></span> \u00f8remerk<span class=\"_ _1\"></span>et f<span class=\"_ _1\"></span>or sikring<span class=\"_ _1\"></span>sbokf\u00f8ring<span class=\"_ _1bc\"> </span><span class=\"ls124 ws1ce\"> 474<span class=\"_ _8\"></span> <span class=\"_ _89\"> </span><span class=\"ls120 ws1cb\"> -8<span class=\"_ _8\"></span>53 </span></span></span><span style=\"display:inherit;clear:left;\">\u2013 g<span class=\"_ _8\"></span>j<span class=\"_ _8\"></span>eld s<span class=\"_ _8\"></span>tif<span class=\"_ _8\"></span>tet ved ut<span class=\"_ _8\"></span>sted<span class=\"_ _8\"></span>els<span class=\"_ _8\"></span>e av verdipa<span class=\"_ _8\"></span>pirer<span class=\"_ _1\"></span>, sikret<span class=\"_ _130\"> </span> -4<span class=\"_ _8\"></span>84 <span class=\"_ _6b\"> </span> 854 </span><span style=\"display:inherit;clear:left;\"> 84 <span class=\"_ _cd\"> </span> 1<span class=\"_ _8\"></span>64 <span class=\"_ _c4\"> </span></span><span style=\"display:inherit;clear:left;\">N<span class=\"_ _8\"></span>etto<span class=\"_ _1\"></span> gevin<span class=\"_ _1\"></span>st/(<span class=\"_ _1\"></span>tap<span class=\"_ _1\"></span>) finansielle<span class=\"_ _1\"></span> instrument<span class=\"_ _1\"></span>er <span class=\"_ _2ad\"> </span><span class=\"ls92 wsee\"> -87 <span class=\"_ _1a\"> </span><span class=\"ls144 ws1f3\"> 74<span class=\"_ _8\"></span> </span></span></span><span style=\"display:inherit;clear:left;\">Meglerprovisjon<span class=\"_ _2ae\"> </span><span class=\"ls122 ws1cc\"> 261 <span class=\"_ _108\"> </span><span class=\"ls0 ws0\"> 251 </span></span></span><span style=\"display:inherit;clear:left;\"> 3 <span class=\"_ _8d\"> </span>0 <span class=\"_ _26d\"> </span><span class=\"lse wse\">Andre driftsinntekter<span class=\"_ _264\"> </span></span> 2 <span class=\"_ _e9\"> </span> 5 </span><span style=\"display:inherit;clear:left;\"> 3 <span class=\"_ _8d\"> </span>0 <span class=\"_ _26d\"> </span></span><span style=\"display:inherit;clear:left;\">Andre<span class=\"_ _1\"></span> driftsinntekter<span class=\"_ _14d\"> </span><span class=\"ls0 ws0\"> 26<span class=\"_ _8\"></span>3 <span class=\"_ _107\"> </span> 256 </span></span><span style=\"display:inherit;clear:left;\"> 1 804 <span class=\"_ _10a\"> </span> 1 580 <span class=\"_ _26d\"> </span></span><span style=\"display:inherit;clear:left;\">Nett<span class=\"_ _1\"></span>o andre<span class=\"_ _1\"></span> driftsinnt<span class=\"_ _1\"></span>ekter<span class=\"_ _2a6\"> </span><span class=\"ls0 ws0\"> 1 0<span class=\"_ _8\"></span>44 <span class=\"_ _dc\"> </span> 1 25<span class=\"_ _8\"></span>0 </span></span><span style=\"display:inherit;clear:left;\">1)</span><span style=\"display:inherit;clear:left;\">  <span class=\"_ _4\"></span>R<span class=\"_ _8\"></span>esu<span class=\"_ _8\"></span>ltat av der<span class=\"_ _8\"></span>ivater so<span class=\"_ _8\"></span>m er be<span class=\"_ _8\"></span>nyt<span class=\"_ _8\"></span>tet for \u00e5 st<span class=\"_ _8\"></span>yre rente- o<span class=\"_ _8\"></span>g valut<span class=\"_ _8\"></span>ari<span class=\"_ _8\"></span>siko, er fo<span class=\"_ _8\"></span>rdelt p<span class=\"_ _8\"></span>\u00e5 resu<span class=\"_ _8\"></span>ltatl<span class=\"_ _8\"></span>inje<span class=\"_ _8\"></span>ne for d<span class=\"_ _8\"></span>e fin<span class=\"_ _8\"></span>ansi<span class=\"_ _8\"></span>ell<span class=\"_ _8\"></span>e </span><span style=\"display:inherit;clear:left;\">instrumenter<span class=\"_ _1\"></span> de styres<span class=\"_ _1\"></span> sammen med.</span><span style=\"display:inherit;clear:left;\">Gebyre<span class=\"_ _1\"></span>r som er<span class=\"_ _1\"></span> en dir<span class=\"_ _1\"></span>ekte betaling f<span class=\"_ _1\"></span>or utf\u00f8rte tjenest<span class=\"_ _1\"></span>er tas til<span class=\"_ _1\"></span> inntekt n\u00e5r<span class=\"_ _1\"></span> tjenesten er<span class=\"_ _1\"></span> levert. Under r<span class=\"_ _1\"></span>egnskapslinjen \u00abNe<span class=\"_ _1\"></span>tto </span><span style=\"display:inherit;clear:left;\">andre d<span class=\"_ _1\"></span>riftsinntekter\u00bb inng\u00e5r blant<span class=\"_ _1\"></span> annet g<span class=\"_ _1\"></span>ebyr<span class=\"_ _1\"></span>er og<span class=\"_ _1\"></span> pro<span class=\"_ _1\"></span>visjoner fr<span class=\"_ _1\"></span>a betalingsf<span class=\"_ _1\"></span>ormidling, gar<span class=\"_ _1\"></span>antiutst<span class=\"_ _1\"></span>edelse, eiendomsmegling og </span><span style=\"display:inherit;clear:left;\">forsikringssalg. </span><span style=\"display:inherit;clear:left;\"><span><span style=\"display:inherit;clear:left;\">Gebyre<span class=\"_ _1\"></span>r kostn<span class=\"_ _1\"></span>adsf\u00f8r<span class=\"_ _1\"></span>es i<span class=\"_ _1\"></span> takt med mottak a<span class=\"_ _1\"></span>v tjenester<span class=\"_ _0\"></span>.</span></span> </span><span style=\"display:inherit;clear:left;\">Not<span class=\"_ _1\"></span>e 30<span class=\"_ _8\"></span> Dr<span class=\"_ _8\"></span>iftsk<span class=\"_ _1\"></span>ostnader</span><span style=\"display:inherit;clear:left;\">MORBANK<span class=\"_ _12c\"> </span><span class=\"lsc wsc\">KONSERN</span></span><span style=\"display:inherit;clear:left;\">2022<span class=\"_ _cc\"> </span>2023<span class=\"_ _16e\"> </span>2023<span class=\"_ _cc\"> </span>2022</span><span style=\"display:inherit;clear:left;\">576<span class=\"_ _86\"> </span></span><span style=\"display:inherit;clear:left;\">625<span class=\"_ _11a\"> </span></span><span style=\"display:inherit;clear:left;\">L\u00f8nnskostnader inklusive<span class=\"_ _1\"></span> arbeidsg<span class=\"_ _8\"></span>iver<span class=\"_ _1\"></span>av<span class=\"_ _1\"></span>gift<span class=\"_ _17f\"> </span><span class=\"ls0 ws0\">777<span class=\"_ _6f\"> </span><span class=\"ls137 ws1e4\">72<span class=\"_ _8\"></span>2</span></span></span><span style=\"display:inherit;clear:left;\">83<span class=\"_ _14\"> </span></span><span style=\"display:inherit;clear:left;\">78<span class=\"_ _11a\"> </span><span class=\"ls5 ws5\">Pensjonsk<span class=\"_ _1\"></span>ostnader<span class=\"_ _2af\"> </span>90<span class=\"_ _72\"> </span><span class=\"ls11 ws11\">94</span></span></span><span style=\"display:inherit;clear:left;\">47<span class=\"_ _72\"> </span></span><span style=\"display:inherit;clear:left;\">40<span class=\"_ _11a\"> </span></span><span style=\"display:inherit;clear:left;\">Andre personalr<span class=\"_ _1\"></span>ela<span class=\"_ _1\"></span>terte kos<span class=\"_ _1\"></span>tnader<span class=\"_ _fa\"> </span><span class=\"ls126 ws1d0\">52<span class=\"_ _12\"> </span><span class=\"ls14 ws14\">59</span></span></span><span style=\"display:inherit;clear:left;\">78<span class=\"_ _14\"> </span></span><span style=\"display:inherit;clear:left;\">79<span class=\"_ _11a\"> </span></span><span style=\"display:inherit;clear:left;\">Eksterne honor<span class=\"_ _1\"></span>ar<span class=\"_ _2b0\"> </span><span class=\"lsa wsa\">82<span class=\"_ _14\"> </span>82</span></span><span style=\"display:inherit;clear:left;\">255<span class=\"_ _107\"> </span></span><span style=\"display:inherit;clear:left;\">30<span class=\"_ _8\"></span>4<span class=\"_ _b9\"> </span></span><span style=\"display:inherit;clear:left;\">IKT<span class=\"_ _2\"></span>-kostnader<span class=\"_ _2b1\"> </span><span class=\"ls123 ws1cd\">316<span class=\"_ _86\"> </span><span class=\"ls122 ws1cc\">267</span></span></span><span style=\"display:inherit;clear:left;\">57<span class=\"_ _12\"> </span></span><span style=\"display:inherit;clear:left;\">55<span class=\"_ _11a\"> </span></span><span style=\"display:inherit;clear:left;\">Markedsf\u00f8ring<span class=\"_ _2b2\"> </span><span class=\"ls68 wsbf\">64<span class=\"_ _14\"> </span><span class=\"ls14 ws14\">67</span></span></span><span style=\"display:inherit;clear:left;\">1 096<span class=\"_ _dd\"> </span>1 182<span class=\"_ _11a\"> </span></span><span style=\"display:inherit;clear:left;\">L\u00f8nn og gener<span class=\"_ _1\"></span>elle adminis<span class=\"_ _1\"></span>trasjonsk<span class=\"_ _1\"></span>ostnader<span class=\"_ _23a\"> </span><span class=\"ls0 ws0\">1 381<span class=\"_ _d4\"> </span>1 292</span></span><span style=\"display:inherit;clear:left;\">208<span class=\"_ _86\"> </span></span><span style=\"display:inherit;clear:left;\">184<span class=\"_ _11a\"> </span></span><span style=\"display:inherit;clear:left;\">Av<span class=\"_ _1\"></span>skrivninger<span class=\"_ _297\"> </span><span class=\"lsf2 ws154\">192<span class=\"_ _6f\"> </span>218</span></span><span style=\"display:inherit;clear:left;\">23<span class=\"_ _12\"> </span></span><span style=\"display:inherit;clear:left;\">26<span class=\"_ _11a\"> </span></span><span style=\"display:inherit;clear:left;\">Drif<span class=\"_ _8\"></span>tskostna<span class=\"_ _1\"></span>der lokaler<span class=\"_ _2a9\"> </span><span class=\"ls125 ws1cf\">42<span class=\"_ _98\"> </span><span class=\"lsa wsa\">37</span></span></span><span style=\"display:inherit;clear:left;\">31<span class=\"_ _1a\"> </span><span class=\"ls14 ws14\">20<span class=\"_ _11a\"> </span><span class=\"lse wse\">Formueskatt<span class=\"_ _2b3\"> </span></span>20<span class=\"_ _17\"> </span></span>31</span><span style=\"display:inherit;clear:left;\">67<span class=\"_ _17\"> </span></span><span style=\"display:inherit;clear:left;\">91<span class=\"_ _b9\"> </span></span><span style=\"display:inherit;clear:left;\">\u00d8vrige driftskostnader<span class=\"_ _1a3\"> </span><span class=\"ls12 ws12\">136<span class=\"_ _6e\"> </span><span class=\"ls123 ws1cd\">108</span></span></span><span style=\"display:inherit;clear:left;\">122<span class=\"_ _6e\"> </span></span><span style=\"display:inherit;clear:left;\">1<span class=\"_ _8\"></span>37<span class=\"_ _b9\"> </span></span><span style=\"display:inherit;clear:left;\">A<span class=\"_ _8\"></span>ndre driftskostnader<span class=\"_ _1e1\"> </span><span class=\"lsf2 ws154\">199<span class=\"_ _94\"> </span><span class=\"ls92 wsee\">177</span></span></span><span style=\"display:inherit;clear:left;\">1 426<span class=\"_ _cc\"> </span></span><span style=\"display:inherit;clear:left;\">1 503<span class=\"_ _11a\"> </span></span><span style=\"display:inherit;clear:left;\">Sum driftsko<span class=\"_ _1\"></span>stnader<span class=\"_ _1ae\"> </span><span class=\"ls82 ws14b\">1 7<span class=\"_ _8\"></span>72<span class=\"_ _d4\"> </span><span class=\"ls122 ws1cc\">1 6<span class=\"_ _8\"></span>87</span></span></span><span style=\"display:inherit;clear:left;\">Gje<span class=\"_ _8\"></span>nno<span class=\"_ _8\"></span>msni<span class=\"_ _8\"></span>ttl<span class=\"_ _8\"></span>ig ant<span class=\"_ _8\"></span>all a<span class=\"_ _8\"></span>nsat<span class=\"_ _8\"></span>te m\u00e5lt i \u00e5<span class=\"_ _8\"></span>rsver<span class=\"_ _8\"></span>k i 2023 (2022) ha<span class=\"_ _8\"></span>r v\u00e6r<span class=\"_ _8\"></span>t  631 (60<span class=\"_ _8\"></span>9) for mor<span class=\"_ _8\"></span>bank o<span class=\"_ _8\"></span>g 776 (755) for kons<span class=\"_ _8\"></span>ern<span class=\"_ _8\"></span>et.</span><span style=\"display:inherit;clear:left;\">Honorar t<span class=\"_ _1\"></span>il v<span class=\"_ _1\"></span>algt re<span class=\"_ _1\"></span>visor </span><span style=\"display:inherit;clear:left;\">T<span class=\"_ _1\"></span>all i tuse<span class=\"_ _8\"></span>n kron<span class=\"_ _8\"></span>er</span><span style=\"display:inherit;clear:left;\">MORBANK<span class=\"_ _12c\"> </span><span class=\"lsc wsc\">KONSERN</span></span><span style=\"display:inherit;clear:left;\">2022<span class=\"_ _cc\"> </span>2023<span class=\"_ _16e\"> </span>2023<span class=\"_ _cc\"> </span>2022</span><span style=\"display:inherit;clear:left;\">900<span class=\"_ _cb\"> </span></span><span style=\"display:inherit;clear:left;\">1 926<span class=\"_ _11a\"> </span></span><span style=\"display:inherit;clear:left;\">Revisjonshonor<span class=\"_ _1\"></span>ar<span class=\"_ _28e\"> </span><span class=\"ls61 wsb5\">2<span class=\"_ _8\"></span> 78<span class=\"_ _8\"></span>9<span class=\"_ _87\"> </span><span class=\"ls0 ws0\">1 312</span></span></span><span style=\"display:inherit;clear:left;\">643<span class=\"_ _6b\"> </span></span><span style=\"display:inherit;clear:left;\">4<span class=\"_ _8\"></span>30<span class=\"_ _b9\"> </span></span><span style=\"display:inherit;clear:left;\">Attestasjonsoppga<span class=\"_ _1\"></span>v<span class=\"_ _1\"></span>er <span class=\"_ _2a9\"> </span><span class=\"ls108 ws16a\">78<span class=\"_ _8\"></span>1<span class=\"_ _89\"> </span><span class=\"ls0 ws0\">1 019</span></span></span><span style=\"display:inherit;clear:left;\">0<span class=\"_ _8b\"> </span>0<span class=\"_ _11a\"> </span></span><span style=\"display:inherit;clear:left;\">Skatter\u00e5<span class=\"_ _1\"></span>dgivning<span class=\"_ _2b4\"> </span><span class=\"ls0 ws0\">0<span class=\"_ _8b\"> </span>0</span></span><span style=\"display:inherit;clear:left;\">21<span class=\"_ _8b\"> </span></span><span style=\"display:inherit;clear:left;\">0<span class=\"_ _11a\"> </span></span><span style=\"display:inherit;clear:left;\">Andre tje<span class=\"_ _1\"></span>nester<span class=\"_ _2b5\"> </span><span class=\"ls0 ws0\">0<span class=\"_ _17\"> </span><span class=\"lsd wsd\">21</span></span></span><span style=\"display:inherit;clear:left;\">1 565<span class=\"_ _131\"> </span>2 356<span class=\"_ _11a\"> </span></span><span style=\"display:inherit;clear:left;\">Sum honorar<span class=\"_ _2b6\"> </span></span><span style=\"display:inherit;clear:left;\">3 570</span><span style=\"display:inherit;clear:left;\"><span class=\"_ _dc\"> </span><span class=\"ls92 wsee\">2<span class=\"_ _8\"></span> 352</span></span><span style=\"display:inherit;clear:left;\">Note 3<span class=\"_ _8\"></span>1 Pensjoner</span><span style=\"display:inherit;clear:left;\">Konsernet<span class=\"_ _1\"></span> Sparebank<span class=\"_ _1\"></span>en V<span class=\"_ _2\"></span>est er pliktig til \u00e5 ha<span class=\"_ _1\"></span> tjenestepensjonsordning<span class=\"_ _1\"></span> etter lo<span class=\"_ _1\"></span>v om<span class=\"_ _1\"></span> obligatoris<span class=\"_ _1\"></span>k tjenestepensjon, og<span class=\"_ _1\"></span> konserne<span class=\"_ _1\"></span>ts </span><span style=\"display:inherit;clear:left;\">pensjonsordning<span class=\"_ _1\"></span> oppfyller kra<span class=\"_ _1\"></span>v<span class=\"_ _1\"></span>ene etter<span class=\"_ _1\"></span> denne lo<span class=\"_ _1\"></span>v<span class=\"_ _1\"></span>.<span class=\"_ _1\"></span> Pensjonsord<span class=\"_ _1\"></span>ningen om<span class=\"_ _1\"></span>fa<span class=\"_ _1\"></span>tter: </span><span style=\"display:inherit;clear:left;\">1. En innskuddspensjonsordning for<span class=\"_ _1\"></span> samtlige ansatte<span class=\"_ _1\"></span> i k<span class=\"_ _1\"></span>onsernet.</span><span style=\"display:inherit;clear:left;\">2.  <span class=\"_ _b3\"></span>En komp<span class=\"_ _8\"></span>ens<span class=\"_ _8\"></span>asj<span class=\"_ _8\"></span>ons<span class=\"_ _8\"></span>ordni<span class=\"_ _8\"></span>ng for 19<span class=\"_ _8\"></span>0 ans<span class=\"_ _8\"></span>atte (mor<span class=\"_ _8\"></span>ban<span class=\"_ _8\"></span>k 173)<span class=\"_ _1\"></span>. I till<span class=\"_ _8\"></span>eg<span class=\"_ _8\"></span>g t<span class=\"_ _8\"></span>il ordi<span class=\"_ _8\"></span>n\u00e6r in<span class=\"_ _8\"></span>nsku<span class=\"_ _8\"></span>dds<span class=\"_ _8\"></span>pen<span class=\"_ _8\"></span>sjo<span class=\"_ _8\"></span>n har kons<span class=\"_ _8\"></span>ern<span class=\"_ _8\"></span>et eta<span class=\"_ _8\"></span>ble<span class=\"_ _8\"></span>rt e<span class=\"_ _8\"></span>n </span><span style=\"display:inherit;clear:left;\">kompensasjonsordning for ansa<span class=\"_ _1\"></span>tte som tidliger<span class=\"_ _1\"></span>e hadde ytelsesbaser<span class=\"_ _8\"></span>t pensjonsordning. Ordningen<span class=\"_ _1\"></span> er innskuddsbaser<span class=\"_ _8\"></span>t. \u00c5rlig </span><span style=\"display:inherit;clear:left;\">avtalt tilskudd<span class=\"_ _1\"></span> ov<span class=\"_ _1\"></span>erf\u00f8res til<span class=\"_ _1\"></span> ver<span class=\"_ _1\"></span>dipapirfond med pan<span class=\"_ _1\"></span>tesikring. Tilskuddene til<span class=\"_ _1\"></span> ver<span class=\"_ _1\"></span>dipapirfondene er en<span class=\"_ _1\"></span> pantsatt<span class=\"_ _1\"></span> eiendel for<span class=\"_ _1\"></span> </span><span style=\"display:inherit;clear:left;\">selskapet, samt<span class=\"_ _1\"></span> en tilsv<span class=\"_ _1\"></span>arende<span class=\"_ _1\"></span> brutto pensjonsf<span class=\"_ _1\"></span>orpliktelse til de<span class=\"_ _1\"></span> ansatte.<span class=\"_ _1\"></span> A<span class=\"_ _1\"></span>v sum<span class=\"_ _1\"></span> tilskudd og v<span class=\"_ _1\"></span>erdiutvikling<span class=\"_ _1\"></span> til v<span class=\"_ _1\"></span>erdipapirfondene </span><span style=\"display:inherit;clear:left;\">be<span class=\"_ _8\"></span>regn<span class=\"_ _8\"></span>es de<span class=\"_ _8\"></span>t og avset<span class=\"_ _8\"></span>tes for a<span class=\"_ _8\"></span>rbe<span class=\"_ _8\"></span>ids<span class=\"_ _8\"></span>gi<span class=\"_ _8\"></span>veravgif<span class=\"_ _8\"></span>t og f<span class=\"_ _8\"></span>ina<span class=\"_ _8\"></span>nssk<span class=\"_ _8\"></span>att. N<span class=\"_ _8\"></span>etto p<span class=\"_ _8\"></span>ens<span class=\"_ _8\"></span>jon<span class=\"_ _8\"></span>sforp<span class=\"_ _8\"></span>lik<span class=\"_ _8\"></span>tel<span class=\"_ _8\"></span>se kny<span class=\"_ _8\"></span>ttet t<span class=\"_ _8\"></span>il det<span class=\"_ _8\"></span>te pu<span class=\"_ _8\"></span>nk<span class=\"_ _8\"></span>t tils<span class=\"_ _8\"></span>varer </span><span style=\"display:inherit;clear:left;\">dermed a<span class=\"_ _1\"></span>vsatt a<span class=\"_ _1\"></span>v<span class=\"_ _1\"></span>gift. Midlene utbetales medlemmene ved<span class=\"_ _1\"></span> pensjonering, fr<span class=\"_ _1\"></span>atr<span class=\"_ _1\"></span>edelse, arbeidsuf<span class=\"_ _1\"></span>\u00f8rhet eller<span class=\"_ _1\"></span> d\u00f8d.   </span><span style=\"display:inherit;clear:left;\">3.  <span class=\"_ _b3\"></span>En top<span class=\"_ _8\"></span>ple<span class=\"_ _8\"></span>dero<span class=\"_ _8\"></span>rdnin<span class=\"_ _8\"></span>g som o<span class=\"_ _8\"></span>mfatter 9 a<span class=\"_ _8\"></span>nsat<span class=\"_ _8\"></span>te som g<span class=\"_ _8\"></span>ir a<span class=\"_ _8\"></span>nle<span class=\"_ _8\"></span>dnin<span class=\"_ _8\"></span>g for pe<span class=\"_ _8\"></span>nsjo<span class=\"_ _8\"></span>nsa<span class=\"_ _8\"></span>lde<span class=\"_ _8\"></span>r ved fy<span class=\"_ _8\"></span>lte 65 \u00e5<span class=\"_ _8\"></span>r<span class=\"_ _2\"></span>. Ad<span class=\"_ _8\"></span>mini<span class=\"_ _8\"></span>strere<span class=\"_ _8\"></span>nde d<span class=\"_ _8\"></span>irek<span class=\"_ _8\"></span>t\u00f8r ha<span class=\"_ _8\"></span>r </span><span style=\"display:inherit;clear:left;\">rett t<span class=\"_ _8\"></span>il, o<span class=\"_ _8\"></span>g ders<span class=\"_ _8\"></span>om st<span class=\"_ _8\"></span>yret \u00f8n<span class=\"_ _8\"></span>sker det<span class=\"_ _8\"></span>, pli<span class=\"_ _8\"></span>kt t<span class=\"_ _8\"></span>il \u00e5 fratre me<span class=\"_ _8\"></span>d f\u00f8r<span class=\"_ _8\"></span>tid<span class=\"_ _8\"></span>spe<span class=\"_ _8\"></span>nsjo<span class=\"_ _8\"></span>n fra fy<span class=\"_ _8\"></span>lte 62 \u00e5r<span class=\"_ _1\"></span>. Innsk<span class=\"_ _8\"></span>udd<span class=\"_ _8\"></span>spe<span class=\"_ _8\"></span>nsjo<span class=\"_ _8\"></span>n st\u00f8r<span class=\"_ _8\"></span>re enn 12 G i </span><span style=\"display:inherit;clear:left;\">topplederor<span class=\"_ _1\"></span>dninge<span class=\"_ _1\"></span>n inng\u00e5r<span class=\"_ _1\"></span> i samme or<span class=\"_ _1\"></span>dning<span class=\"_ _1\"></span> som punkt 2. <span class=\"_ _2\"></span> </span><span style=\"display:inherit;clear:left;\">4.  <span class=\"_ _4\"></span>I t<span class=\"_ _8\"></span>ill<span class=\"_ _8\"></span>eg<span class=\"_ _8\"></span>g ti<span class=\"_ _8\"></span>l ovenst<span class=\"_ _8\"></span>\u00e5end<span class=\"_ _8\"></span>e ordni<span class=\"_ _8\"></span>nger b<span class=\"_ _8\"></span>eta<span class=\"_ _8\"></span>ler s<span class=\"_ _8\"></span>elsk<span class=\"_ _8\"></span>ape<span class=\"_ _8\"></span>t premi<span class=\"_ _8\"></span>e til Fell<span class=\"_ _8\"></span>eso<span class=\"_ _8\"></span>rdnin<span class=\"_ _8\"></span>gen for A<span class=\"_ _8\"></span>FP<span class=\"_ _2\"></span>. Det<span class=\"_ _8\"></span>te er en y<span class=\"_ _8\"></span>te<span class=\"_ _8\"></span>lse<span class=\"_ _8\"></span>sba<span class=\"_ _8\"></span>ser<span class=\"_ _8\"></span>t fl<span class=\"_ _8\"></span>er<span class=\"_ _8\"></span>foreta<span class=\"_ _8\"></span>ks </span><span style=\"display:inherit;clear:left;\">pensjonsordning, og finansieres g<span class=\"_ _8\"></span>jennom premier som f<span class=\"_ _1\"></span>astsettes som en prosent a<span class=\"_ _1\"></span>v<span class=\"_ _1\"></span> l\u00f8nn. Regnskapsme<span class=\"_ _8\"></span>ssig blir ordningen<span class=\"_ _1\"></span> </span><span style=\"display:inherit;clear:left;\">behandlet som en innskuddsbasert pensjo<span class=\"_ _8\"></span>nsordning h<span class=\"_ _1\"></span>vor pr<span class=\"_ _1\"></span>emiebetalinger kostnadsf<span class=\"_ _1\"></span>\u00f8res l\u00f8pende.</span><span style=\"display:inherit;clear:left;\">Etter frare<span class=\"_ _8\"></span>gni<span class=\"_ _8\"></span>ng av yte<span class=\"_ _8\"></span>lse<span class=\"_ _8\"></span>sord<span class=\"_ _8\"></span>ning<span class=\"_ _8\"></span>en er res<span class=\"_ _8\"></span>tbe<span class=\"_ _8\"></span>hol<span class=\"_ _8\"></span>dni<span class=\"_ _8\"></span>ngen \u00e5 an<span class=\"_ _8\"></span>se so<span class=\"_ _8\"></span>m uves<span class=\"_ _8\"></span>entl<span class=\"_ _8\"></span>ig og u<span class=\"_ _8\"></span>tg<span class=\"_ _a\"></span>j\u00f8r u<span class=\"_ _8\"></span>telu<span class=\"_ _8\"></span>kkend<span class=\"_ _8\"></span>e f\u00f8r<span class=\"_ _8\"></span>tid<span class=\"_ _8\"></span>spe<span class=\"_ _8\"></span>nsjo<span class=\"_ _8\"></span>n til </span><span style=\"display:inherit;clear:left;\">toppledelsen. Det er<span class=\"_ _1\"></span> derfor g<span class=\"_ _8\"></span>jort en del f<span class=\"_ _1\"></span>orenkling<span class=\"_ _1\"></span>er i<span class=\"_ _1\"></span> nedenfors<span class=\"_ _1\"></span>t\u00e5ende not<span class=\"_ _1\"></span>everk.<span class=\"_ _1\"></span> Oversikt o<span class=\"_ _1\"></span>ver \u00f8k<span class=\"_ _1\"></span>onomisk<span class=\"_ _1\"></span>e par<span class=\"_ _1\"></span>ameter<span class=\"_ _1\"></span>e ved<span class=\"_ _1\"></span> </span><span style=\"display:inherit;clear:left;\">beregning, dekomponering<span class=\"_ _1\"></span> av<span class=\"_ _1\"></span> pensjonsk<span class=\"_ _1\"></span>ostnaden, a<span class=\"_ _1\"></span>vst<span class=\"_ _1\"></span>emming a<span class=\"_ _1\"></span>v pens<span class=\"_ _1\"></span>jonsforpliktelser og<span class=\"_ _1\"></span> pensjonsmidler fr<span class=\"_ _1\"></span>a inng\u00e5<span class=\"_ _1\"></span>ende balanse<span class=\"_ _1\"></span> </span><span style=\"display:inherit;clear:left;\"><span><span style=\"display:inherit;clear:left;\">til utg\u00e5ende balan<span class=\"_ _1\"></span>se, aktivaallokering<span class=\"_ _1\"></span> a<span class=\"_ _1\"></span>v pensjonsmidler<span class=\"_ _1\"></span> samt sensitivi<span class=\"_ _1\"></span>tetsberegning<span class=\"_ _1\"></span>er er ta<span class=\"_ _1\"></span>tt ut</span></span>.</span><span style=\"display:inherit;clear:left;\">Pens<span class=\"_ _8\"></span>jons<span class=\"_ _8\"></span>forp<span class=\"_ _8\"></span>lik<span class=\"_ _8\"></span>tels<span class=\"_ _8\"></span>er b<span class=\"_ _8\"></span>ereg<span class=\"_ _8\"></span>nes i s<span class=\"_ _8\"></span>ams<span class=\"_ _8\"></span>var me<span class=\"_ _8\"></span>d IAS 19. \u00c5<span class=\"_ _8\"></span>rets pe<span class=\"_ _8\"></span>nsjo<span class=\"_ _8\"></span>nskos<span class=\"_ _8\"></span>tnad f\u00f8<span class=\"_ _8\"></span>res net<span class=\"_ _8\"></span>to i res<span class=\"_ _8\"></span>ultat<span class=\"_ _8\"></span>regn<span class=\"_ _8\"></span>skap<span class=\"_ _8\"></span>et und<span class=\"_ _8\"></span>er p<span class=\"_ _8\"></span>oste<span class=\"_ _8\"></span>n \u00abL\u00f8nn </span><span style=\"display:inherit;clear:left;\">og generelle<span class=\"_ _1\"></span> administrasjonsk<span class=\"_ _1\"></span>ostnader\u00bb. </span><span style=\"display:inherit;clear:left;\">MORBANK<span class=\"_ _f0\"> </span></span><span style=\"display:inherit;clear:left;\">K<span class=\"_ _1\"></span>ONSERN</span><span style=\"display:inherit;clear:left;\">Pensjonskostnader<span class=\"_ _26c\"> </span></span><span style=\"display:inherit;clear:left;\">202<span class=\"_ _8\"></span>2<span class=\"_ _5d\"> </span><span class=\"ls11f ws1ca\">2023<span class=\"_ _3e\"> </span>202<span class=\"_ _8\"></span>2<span class=\"_ _74\"> </span>2023</span></span><span style=\"display:inherit;clear:left;\">Ordin\u00e6r pensjonskostnad<span class=\"_ _1\"></span> ytelses<span class=\"_ _8\"></span>ordningen<span class=\"_ _250\"> </span><span class=\"ls0 ws0\">3<span class=\"_ _63\"> </span>3<span class=\"_ _c8\"> </span>3<span class=\"_ _63\"> </span>3</span></span><span style=\"display:inherit;clear:left;\">Pensjonsk<span class=\"_ _1\"></span>os<span class=\"_ _1\"></span>tnad knyt<span class=\"_ _1\"></span>te<span class=\"_ _1\"></span>t til k<span class=\"_ _1\"></span>ompensasjonsor<span class=\"_ _1\"></span>dningen<span class=\"_ _13a\"> </span>16<span class=\"_ _9c\"> </span>18<span class=\"_ _23f\"> </span>17<span class=\"_ _118\"> </span>19</span><span style=\"display:inherit;clear:left;\">Pensjonsk<span class=\"_ _1\"></span>os<span class=\"_ _1\"></span>tnad knyt<span class=\"_ _1\"></span>te<span class=\"_ _1\"></span>t til innskuddsor<span class=\"_ _1\"></span>dning<span class=\"_ _1\"></span>en<span class=\"_ _21c\"> </span></span><span style=\"display:inherit;clear:left;\">53<span class=\"_ _9d\"> </span></span><span style=\"display:inherit;clear:left;\">47<span class=\"_ _6a\"> </span><span class=\"ls10 ws10\">61<span class=\"_ _226\"> </span><span class=\"ls9 ws9\">55</span></span></span><span style=\"display:inherit;clear:left;\">Pensjonsk<span class=\"_ _1\"></span>os<span class=\"_ _1\"></span>tnad knyt<span class=\"_ _1\"></span>te<span class=\"_ _1\"></span>t til a<span class=\"_ _1\"></span>vtale<span class=\"_ _1\"></span>f<span class=\"_ _1\"></span>est<span class=\"_ _1\"></span>e<span class=\"_ _1\"></span>t AFP<span class=\"_ _2b7\"> </span>11<span class=\"_ _99\"> </span>11<span class=\"_ _84\"> </span>13<span class=\"_ _118\"> </span>13</span><span style=\"display:inherit;clear:left;\">Sum pensjonskos<span class=\"_ _1\"></span>tnader<span class=\"_ _2b8\"> </span></span><span style=\"display:inherit;clear:left;\">83<span class=\"_ _9d\"> </span></span><span style=\"display:inherit;clear:left;\">78<span class=\"_ _20d\"> </span><span class=\"ls13b ws1e8\">94<span class=\"_ _68\"> </span></span></span><span style=\"display:inherit;clear:left;\">90</span><span style=\"display:inherit;clear:left;\">Estima<span class=\"_ _1\"></span>ta<span class=\"_ _1\"></span>vvik pensjoner f<span class=\"_ _1\"></span>\u00f8rt o<span class=\"_ _1\"></span>v<span class=\"_ _1\"></span>er utvidet r<span class=\"_ _1\"></span>esulta<span class=\"_ _1\"></span>tr<span class=\"_ _1\"></span>egnskap<span class=\"_ _23\"> </span><span class=\"ls120 ws1cb\">-4<span class=\"_ _13\"> </span></span>0<span class=\"_ _a0\"> </span><span class=\"ls120 ws1cb\">-4<span class=\"_ _13\"> </span></span>0</span><span style=\"display:inherit;clear:left;\">MORBANK<span class=\"_ _f0\"> </span></span><span style=\"display:inherit;clear:left;\">K<span class=\"_ _1\"></span>ONSERN</span><span style=\"display:inherit;clear:left;\">Pensjonsf<span class=\"_ _1\"></span>orpliktelse<span class=\"_ _2b8\"> </span></span><span style=\"display:inherit;clear:left;\">2022<span class=\"_ _5d\"> </span><span class=\"ls11f ws1ca\">2023<span class=\"_ _75\"> </span>2022<span class=\"_ _74\"> </span>2023</span></span><span style=\"display:inherit;clear:left;\">Brutto pensjonsf<span class=\"_ _1\"></span>orpliktelse ytelsesbasert pensjon<span class=\"_ _1cb\"> </span><span class=\"ls0 ws0\">19<span class=\"_ _9c\"> </span>21<span class=\"_ _84\"> </span>19<span class=\"_ _9c\"> </span><span class=\"lsd wsd\">21</span></span></span><span style=\"display:inherit;clear:left;\">Pensjonsmidler kn<span class=\"_ _1\"></span>yt<span class=\"_ _1\"></span>te<span class=\"_ _1\"></span>t til ytelsesbasert pensjon<span class=\"_ _217\"> </span>0<span class=\"_ _13\"> </span>0<span class=\"_ _43\"> </span>0<span class=\"_ _13\"> </span>0</span><span style=\"display:inherit;clear:left;\">Net<span class=\"_ _1\"></span>to pensjons<span class=\"_ _1\"></span>f<span class=\"_ _1\"></span>orpliktelse yt<span class=\"_ _1\"></span>elsesbasert pensjon<span class=\"_ _13e\"> </span>19<span class=\"_ _118\"> </span>21<span class=\"_ _84\"> </span>19<span class=\"_ _118\"> </span>21</span><span style=\"display:inherit;clear:left;\">Balansef<span class=\"_ _1\"></span>\u00f8rt pensjon knyt<span class=\"_ _1\"></span>te<span class=\"_ _1\"></span>t til k<span class=\"_ _1\"></span>ompensasjonsor<span class=\"_ _1\"></span>dningen<span class=\"_ _26\"> </span>110<span class=\"_ _92\"> </span></span><span style=\"display:inherit;clear:left;\">133<span class=\"_ _25\"> </span><span class=\"ls125 ws1cf\">1<span class=\"_ _8\"></span>20<span class=\"_ _9a\"> </span><span class=\"ls133 ws1e0\">146</span></span></span><span style=\"display:inherit;clear:left;\">Sum pensjonsf<span class=\"_ _1\"></span>orplikt<span class=\"_ _1\"></span>else som fr<span class=\"_ _1\"></span>emk<span class=\"_ _1\"></span>ommer a<span class=\"_ _1\"></span>v balansen<span class=\"_ _8f\"> </span></span><span style=\"display:inherit;clear:left;\">129<span class=\"_ _10\"> </span></span><span style=\"display:inherit;clear:left;\">155<span class=\"_ _df\"> </span><span class=\"ls8 ws8\">1<span class=\"_ _8\"></span>39<span class=\"_ _92\"> </span><span class=\"ls109 ws16b\">167</span></span></span><span style=\"display:inherit;clear:left;\">Balansef<span class=\"_ _1\"></span>\u00f8rt<span class=\"_ _1\"></span>e pensjonsmidler (v<span class=\"_ _1\"></span>er<span class=\"_ _1\"></span>dipapirfond me<span class=\"_ _1\"></span>d sikring) <span class=\"_ _4b\"> </span><span class=\"ls12c ws1d6\">92<span class=\"_ _3d\"> </span></span>112<span class=\"_ _97\"> </span>100<span class=\"_ _10\"> </span><span class=\"ls133 ws1e0\">123</span></span><span style=\"display:inherit;clear:left;\">Note 3<span class=\"_ _8\"></span>2 Sk<span class=\"_ _8\"></span>atter</span><span style=\"display:inherit;clear:left;\">Utsa<span class=\"_ _1\"></span>tt ska<span class=\"_ _2\"></span>tt og utsat<span class=\"_ _1\"></span>t ska<span class=\"_ _1\"></span>t<span class=\"_ _1\"></span>te<span class=\"_ _1\"></span>f<span class=\"_ _1\"></span>or<span class=\"_ _1\"></span>del balansef<span class=\"_ _1\"></span>\u00f8r<span class=\"_ _1\"></span>es i samsv<span class=\"_ _2\"></span>ar med IAS 12 Inntekts<span class=\"_ _1\"></span>ska<span class=\"_ _1\"></span>t<span class=\"_ _1\"></span>t.</span><span style=\"display:inherit;clear:left;\">Ska<span class=\"_ _1\"></span>tt<span class=\"_ _1\"></span>ekos<span class=\"_ _1\"></span>tnaden i r<span class=\"_ _1\"></span>esulta<span class=\"_ _1\"></span>tr<span class=\"_ _1\"></span>egnskape<span class=\"_ _1\"></span>t om<span class=\"_ _1\"></span>f<span class=\"_ _1\"></span>a<span class=\"_ _1\"></span>tt<span class=\"_ _1\"></span>er b\u00e5de periodens be<span class=\"_ _1\"></span>talbar<span class=\"_ _1\"></span>e ska<span class=\"_ _1\"></span>t<span class=\"_ _1\"></span>t og endring i utsa<span class=\"_ _1\"></span>tt ska<span class=\"_ _2\"></span>tt. Utsat<span class=\"_ _1\"></span>t ska<span class=\"_ _1\"></span>tt/utsa<span class=\"_ _2\"></span>tt ska<span class=\"_ _1\"></span>tt<span class=\"_ _1\"></span>e-</span><span style=\"display:inherit;clear:left;\">for<span class=\"_ _1\"></span>del er ber<span class=\"_ _1\"></span>egne<span class=\"_ _1\"></span>t med 25 % a<span class=\"_ _2\"></span>v netto midlertidig<span class=\"_ _1\"></span>e f<span class=\"_ _1\"></span>orskjeller som eksis<span class=\"_ _1\"></span>ter<span class=\"_ _1\"></span>er mellom r<span class=\"_ _1\"></span>egnskapsmessig<span class=\"_ _1\"></span>e og ska<span class=\"_ _1\"></span>t<span class=\"_ _1\"></span>temes<span class=\"_ _1\"></span>sige v<span class=\"_ _1\"></span>er<span class=\"_ _1\"></span>dier v<span class=\"_ _1\"></span>ed </span><span style=\"display:inherit;clear:left;\">utgangen a<span class=\"_ _2\"></span>v regnskaps\u00e5r<span class=\"_ _1\"></span>et. Ska<span class=\"_ _1\"></span>t<span class=\"_ _1\"></span>te\u00f8k<span class=\"_ _1\"></span>ende og ska<span class=\"_ _1\"></span>t<span class=\"_ _1\"></span>ter<span class=\"_ _1\"></span>eduser<span class=\"_ _1\"></span>ende midlertidige f<span class=\"_ _1\"></span>orskjeller som r<span class=\"_ _1\"></span>e<span class=\"_ _1\"></span>v<span class=\"_ _1\"></span>erser<span class=\"_ _1\"></span>er eller kan r<span class=\"_ _1\"></span>ev<span class=\"_ _1\"></span>erser<span class=\"_ _1\"></span>es i samme </span><span style=\"display:inherit;clear:left;\">periode er utlignet og ne<span class=\"_ _1\"></span>tt<span class=\"_ _1\"></span>o<span class=\"_ _1\"></span>f<span class=\"_ _1\"></span>\u00f8rt. Enkelte selskaper i k<span class=\"_ _1\"></span>onserne<span class=\"_ _1\"></span>t som ikke er om<span class=\"_ _1\"></span>f<span class=\"_ _1\"></span>a<span class=\"_ _1\"></span>tt<span class=\"_ _1\"></span>e<span class=\"_ _1\"></span>t a<span class=\"_ _1\"></span>v finansska<span class=\"_ _1\"></span>t<span class=\"_ _1\"></span>ten, ber<span class=\"_ _1\"></span>egner o<span class=\"_ _1\"></span>v<span class=\"_ _1\"></span>enst\u00e5<span class=\"_ _1\"></span>ende basert </span><span style=\"display:inherit;clear:left;\">p\u00e5 22 % a<span class=\"_ _1\"></span>v net<span class=\"_ _1\"></span>to midlertidig<span class=\"_ _1\"></span>e for<span class=\"_ _1\"></span>skjeller<span class=\"_ _0\"></span>.</span><span style=\"display:inherit;clear:left;\">Utsa<span class=\"_ _1\"></span>tt ska<span class=\"_ _2\"></span>ttef<span class=\"_ _1\"></span>or<span class=\"_ _1\"></span>del balanse<span class=\"_ _1\"></span>f<span class=\"_ _1\"></span>\u00f8r<span class=\"_ _1\"></span>es ut fra f<span class=\"_ _1\"></span>orv<span class=\"_ _1\"></span>en<span class=\"_ _1\"></span>tninger om ska<span class=\"_ _2\"></span>ttepliktig innt<span class=\"_ _1\"></span>ekt gjennom inn<span class=\"_ _1\"></span>tjening i fr<span class=\"_ _1\"></span>emtidig<span class=\"_ _1\"></span>e \u00e5r<span class=\"_ _0\"></span>.</span><span style=\"display:inherit;clear:left;\">Betalbar ska<span class=\"_ _2\"></span>tt i balansen er periodens betalbar<span class=\"_ _1\"></span>e ska<span class=\"_ _1\"></span>t<span class=\"_ _1\"></span>t knyt<span class=\"_ _1\"></span>te<span class=\"_ _1\"></span>t til \u00e5r<span class=\"_ _1\"></span>e<span class=\"_ _1\"></span>ts r<span class=\"_ _1\"></span>esulta<span class=\"_ _1\"></span>t, ska<span class=\"_ _1\"></span>tt p\u00e5 f<span class=\"_ _1\"></span>ormue, sam<span class=\"_ _1\"></span>t be<span class=\"_ _1\"></span>talbar ska<span class=\"_ _1\"></span>tt kn<span class=\"_ _1\"></span>ytt<span class=\"_ _1\"></span>e<span class=\"_ _1\"></span>t til </span><span style=\"display:inherit;clear:left;\">mot<span class=\"_ _1\"></span>ta<span class=\"_ _1\"></span>tt k<span class=\"_ _1\"></span>onsernbidr<span class=\"_ _1\"></span>ag.</span><span style=\"display:inherit;clear:left;\">MORBANK<span class=\"_ _12c\"> </span><span class=\"lsc wsc\">KONSERN</span></span><span style=\"display:inherit;clear:left;\">2022<span class=\"_ _cc\"> </span>2023<span class=\"_ _11a\"> </span><span class=\"ls7 ws7\">\u00c5rets skattekostnad<span class=\"_ _1b9\"> </span></span>2023<span class=\"_ _d4\"> </span>2022</span><span style=\"display:inherit;clear:left;\">1)</span><span style=\"display:inherit;clear:left;\">580<span class=\"_ _189\"> </span>886<span class=\"_ _b9\"> </span><span class=\"lse wse\">B<span class=\"_ _8\"></span>etalbar skatt </span></span><span style=\"display:inherit;clear:left;\">996<span class=\"_ _86\"> </span><span class=\"ls4a ws9d\">70<span class=\"_ _8\"></span>5</span></span><span style=\"display:inherit;clear:left;\">2<span class=\"_ _8b\"> </span>0<span class=\"_ _11a\"> </span></span><span style=\"display:inherit;clear:left;\">Betalt kildeskatt samt<span class=\"_ _1\"></span> korr<span class=\"_ _1\"></span>eksjon<span class=\"_ _1\"></span> av<span class=\"_ _1\"></span> tidliger<span class=\"_ _1\"></span>e \u00e5rs<span class=\"_ _1\"></span> ligning<span class=\"_ _159\"> </span><span class=\"ls0 ws0\">0<span class=\"_ _10\"> </span>3</span></span><span style=\"display:inherit;clear:left;\">-2<span class=\"_ _8\"></span>0<span class=\"_ _10\"> </span></span><span style=\"display:inherit;clear:left;\">9<span class=\"_ _11a\"> </span>Skat<span class=\"_ _8\"></span>t p\u00e5 po<span class=\"_ _8\"></span>ster over u<span class=\"_ _8\"></span>tv<span class=\"_ _8\"></span>idet re<span class=\"_ _8\"></span>sult<span class=\"_ _8\"></span>at<span class=\"_ _2b9\"> </span><span class=\"ls82 ws14b\">-39<span class=\"_ _94\"> </span><span class=\"ls120 ws1cb\">-86</span></span></span><span style=\"display:inherit;clear:left;\">-31<span class=\"_ _6e\"> </span></span><span style=\"display:inherit;clear:left;\">-1<span class=\"_ _8\"></span>7<span class=\"_ _a\"></span>1<span class=\"_ _b8\"> </span></span><span style=\"display:inherit;clear:left;\">E<span class=\"_ _8\"></span>ndr<span class=\"_ _8\"></span>ing ut<span class=\"_ _8\"></span>satt s<span class=\"_ _8\"></span>katt over re<span class=\"_ _8\"></span>sult<span class=\"_ _8\"></span>atet<span class=\"_ _147\"> </span><span class=\"ls120 ws1cb\">-8<span class=\"_ _8\"></span>4<span class=\"_ _12\"> </span><span class=\"lsd wsd\">65</span></span></span><span style=\"display:inherit;clear:left;\">532<span class=\"_ _8e\"> </span></span><span style=\"display:inherit;clear:left;\">724<span class=\"_ _11a\"> </span></span><span style=\"display:inherit;clear:left;\">\u00c5<span class=\"_ _8\"></span>rets ska<span class=\"_ _1\"></span>ttekostnad<span class=\"_ _2ba\"> </span><span class=\"ls144 ws1f3\">8<span class=\"_ _8\"></span>74<span class=\"_ _86\"> </span><span class=\"ls122 ws1cc\">687</span></span></span><span style=\"display:inherit;clear:left;\">1)</span><span style=\"display:inherit;clear:left;\"> Betalbar skatt i balansen inneholder i tillegg formuesskatt tilsvarende<span class=\"_ _1\"></span> 31,5 millioner kroner (<span class=\"_ _1\"></span>31 millioner kr<span class=\"_ _1\"></span>oner)<span class=\"_ _1\"></span>.</span><span style=\"display:inherit;clear:left;\">3 34<span class=\"_ _8\"></span>4<span class=\"_ _c7\"> </span>4 35<span class=\"_ _8\"></span>0<span class=\"_ _b9\"> </span></span><span style=\"display:inherit;clear:left;\">Re<span class=\"_ _8\"></span>sultat<span class=\"_ _1\"></span> f\u00f8r ska<span class=\"_ _1\"></span>ttekostnad<span class=\"_ _2a7\"> </span><span class=\"ls59 wsac\">4<span class=\"_ _8\"></span> 41<span class=\"_ _8\"></span>8<span class=\"_ _131\"> </span><span class=\"ls0 ws0\">3 504</span></span></span><span style=\"display:inherit;clear:left;\">25 % skatt av:</span><span style=\"display:inherit;clear:left;\">836<span class=\"_ _d4\"> </span></span><span style=\"display:inherit;clear:left;\">1 08<span class=\"_ _8\"></span>8<span class=\"_ _b9\"> </span></span><span style=\"display:inherit;clear:left;\">Re<span class=\"_ _8\"></span>gnskapsmessi<span class=\"_ _8\"></span>g r<span class=\"_ _1\"></span>esultat f<span class=\"_ _1\"></span>\u00f8r skatt<span class=\"_ _1b7\"> </span><span class=\"ls0 ws0\">1 1<span class=\"_ _8\"></span>05<span class=\"_ _86\"> </span><span class=\"ls8 ws8\">8<span class=\"_ _8\"></span>76</span></span></span><span style=\"display:inherit;clear:left;\">Andel resultat tilkn<span class=\"_ _1\"></span>yttet selskap<span class=\"_ _2bb\"> </span><span class=\"ls82 ws14b\">-54<span class=\"_ _94\"> </span><span class=\"lsf2 ws154\">-66</span></span></span><span style=\"display:inherit;clear:left;\">8<span class=\"_ _9a\"> </span>5<span class=\"_ _11a\"> </span></span><span style=\"display:inherit;clear:left;\">Kostnadsf\u00f8rt ska<span class=\"_ _1\"></span>tt p\u00e5 formue, ikk<span class=\"_ _1\"></span>e fr<span class=\"_ _1\"></span>adr<span class=\"_ _1\"></span>ag<span class=\"_ _2bc\"> </span><span class=\"ls0 ws0\">5<span class=\"_ _9a\"> </span>8</span></span><span style=\"display:inherit;clear:left;\">-1<span class=\"_ _8\"></span>4<span class=\"_ _a\"></span>5<span class=\"_ _83\"> </span></span><span style=\"display:inherit;clear:left;\">-2<span class=\"_ _8\"></span>6<span class=\"_ _a\"></span>3<span class=\"_ _b8\"> </span><span class=\"ls0 ws0\">Skatt k<span class=\"_ _8\"></span>nyt<span class=\"_ _8\"></span>tet til k<span class=\"_ _8\"></span>und<span class=\"_ _8\"></span>eutby<span class=\"_ _8\"></span>t<span class=\"_ _8\"></span>te<span class=\"_ _2bd\"> </span></span></span><span style=\"display:inherit;clear:left;\">-1<span class=\"_ _8\"></span>4<span class=\"_ _a\"></span>5<span class=\"_ _74\"> </span><span class=\"ls21 ws175\">-98</span></span><span style=\"display:inherit;clear:left;\">-1<span class=\"_ _8\"></span>5<span class=\"_ _a\"></span>5<span class=\"_ _74\"> </span></span><span style=\"display:inherit;clear:left;\">-83<span class=\"_ _11a\"> </span></span><span style=\"display:inherit;clear:left;\">Ik<span class=\"_ _8\"></span>ke<span class=\"_ _1\"></span> skattepliktig inntekt<span class=\"_ _1c9\"> </span><span class=\"ls129 ws1d3\">-1<span class=\"_ _8\"></span>1<span class=\"_ _1a\"> </span>-1<span class=\"_ _8\"></span>0</span></span><span style=\"display:inherit;clear:left;\">2<span class=\"_ _10\"> </span>2<span class=\"_ _b9\"> </span></span><span style=\"display:inherit;clear:left;\">Ikke fr<span class=\"_ _1\"></span>adragsberettigede k<span class=\"_ _1\"></span>ostnader<span class=\"_ _fc\"> </span><span class=\"ls0 ws0\">4<span class=\"_ _e9\"> </span>4</span></span><span style=\"display:inherit;clear:left;\">-1<span class=\"_ _8\"></span>5<span class=\"_ _5d\"> </span></span><span style=\"display:inherit;clear:left;\">-2<span class=\"_ _8\"></span>6<span class=\"_ _11a\"> </span></span><span style=\"display:inherit;clear:left;\">Skatt p\u00e5 h<span class=\"_ _1\"></span>ybridren<span class=\"_ _1\"></span>ter f<span class=\"_ _1\"></span>\u00f8rt direkte mo<span class=\"_ _1\"></span>t egenkapitalen<span class=\"_ _135\"> </span><span class=\"ls4a ws9d\">-2<span class=\"_ _8\"></span>6<span class=\"_ _1a\"> </span><span class=\"ls129 ws1d3\">-1<span class=\"_ _a\"></span>5</span></span></span><span style=\"display:inherit;clear:left;\">1<span class=\"_ _8b\"> </span>0<span class=\"_ _11a\"> </span></span><span style=\"display:inherit;clear:left;\">Korrek<span class=\"_ _1\"></span>sjon tidliger<span class=\"_ _1\"></span>e \u00e5r<span class=\"_ _1\"></span>s ligning<span class=\"_ _2be\"> </span><span class=\"ls0 ws0\">0<span class=\"_ _3d\"> </span>1</span></span><span style=\"display:inherit;clear:left;\">Avv<span class=\"_ _8\"></span>ikend<span class=\"_ _8\"></span>e skatte<span class=\"_ _8\"></span>sat<span class=\"_ _8\"></span>s i datte<span class=\"_ _8\"></span>rsel<span class=\"_ _8\"></span>skap<span class=\"_ _8\"></span>er (22 % vs 25 %)<span class=\"_ _105\"> </span><span class=\"ls82 ws14b\">-5<span class=\"_ _1b\"> </span><span class=\"ls129 ws1d3\">-1<span class=\"_ _8\"></span>4</span></span></span><span style=\"display:inherit;clear:left;\">532<span class=\"_ _65\"> </span></span><span style=\"display:inherit;clear:left;\">7<span class=\"_ _8\"></span>24<span class=\"_ _11a\"> </span></span><span style=\"display:inherit;clear:left;\">Skattekostna<span class=\"_ _1\"></span>d<span class=\"_ _2b4\"> </span><span class=\"ls124 ws1ce\">8<span class=\"_ _8\"></span>74<span class=\"_ _6f\"> </span><span class=\"ls9 ws9\">687</span></span></span><span style=\"display:inherit;clear:left;\">16 %<span class=\"_ _107\"> </span></span><span style=\"display:inherit;clear:left;\">17 %<span class=\"_ _11a\"> </span><span class=\"ls62 wsb6\">Effe<span class=\"_ _8\"></span>k<span class=\"_ _8\"></span>ti<span class=\"_ _8\"></span>v sk<span class=\"_ _8\"></span>at<span class=\"_ _8\"></span>te<span class=\"_ _8\"></span>sat<span class=\"_ _8\"></span>s <span class=\"_ _276\"> </span></span></span><span style=\"display:inherit;clear:left;\">20 %<span class=\"_ _cd\"> </span>20 %</span><span style=\"display:inherit;clear:left;\">2022<span class=\"_ _cc\"> </span>2023<span class=\"_ _11a\"> </span></span><span style=\"display:inherit;clear:left;\">Endring i balansef<span class=\"_ _1\"></span>\u00f8rt utsa<span class=\"_ _1\"></span>tt ska<span class=\"_ _1\"></span>tt:<span class=\"_ _274\"> </span><span class=\"ls11f ws1ca\">2023<span class=\"_ _cc\"> </span>2022</span></span><span style=\"display:inherit;clear:left;\">-2<span class=\"_ _8\"></span>8<span class=\"_ _8\"></span>3<span class=\"_ _6b\"> </span></span><span style=\"display:inherit;clear:left;\">-3<span class=\"_ _8\"></span>14<span class=\"_ _11a\"> </span></span><span style=\"display:inherit;clear:left;\">Bal<span class=\"_ _8\"></span>ans<span class=\"_ _8\"></span>ef\u00f8r<span class=\"_ _8\"></span>t uts<span class=\"_ _8\"></span>att skat<span class=\"_ _8\"></span>t (skattefo<span class=\"_ _8\"></span>rdel) 1/<span class=\"_ _8\"></span>1<span class=\"_ _255\"> </span><span class=\"ls129 ws1d3\">-1<span class=\"_ _8\"></span>7<span class=\"_ _a\"></span>3<span class=\"_ _83\"> </span></span></span><span style=\"display:inherit;clear:left;\">-2<span class=\"_ _8\"></span>3<span class=\"_ _8\"></span>9</span><span style=\"display:inherit;clear:left;\">-31<span class=\"_ _6e\"> </span></span><span style=\"display:inherit;clear:left;\">-1<span class=\"_ _8\"></span>7<span class=\"_ _a\"></span>1<span class=\"_ _b8\"> </span></span><span style=\"display:inherit;clear:left;\">Re<span class=\"_ _8\"></span>sulta<span class=\"_ _1\"></span>tf\u00f8rt i perioden<span class=\"_ _82\"> </span><span class=\"ls120 ws1cb\">-8<span class=\"_ _8\"></span>4<span class=\"_ _12\"> </span><span class=\"lsd wsd\">65</span></span></span><span style=\"display:inherit;clear:left;\">-314<span class=\"_ _dd\"> </span></span><span style=\"display:inherit;clear:left;\">-485<span class=\"_ _11a\"> </span></span><span style=\"display:inherit;clear:left;\">Balansef\u00f8rt utsa<span class=\"_ _1\"></span>tt ska<span class=\"_ _1\"></span>tt (<span class=\"_ _1\"></span>ska<span class=\"_ _1\"></span>tt<span class=\"_ _1\"></span>efor<span class=\"_ _1\"></span>del) 31<span class=\"_ _1\"></span>/12<span class=\"_ _151\"> </span><span class=\"ls13 ws13\">-25<span class=\"_ _8\"></span>6<span class=\"_ _9b\"> </span><span class=\"ls132 ws1de\">-1<span class=\"_ _8\"></span>7<span class=\"_ _8\"></span>3</span></span></span><span style=\"display:inherit;clear:left;\">Utsatt<span class=\"_ _1\"></span> ska<span class=\"_ _1\"></span>tt og<span class=\"_ _1\"></span> ska<span class=\"_ _1\"></span>ttef<span class=\"_ _1\"></span>ordel i<span class=\"_ _1\"></span> balansen v<span class=\"_ _1\"></span>edr<span class=\"_ _1\"></span>\u00f8rer<span class=\"_ _1\"></span> f\u00f8lgende<span class=\"_ _1\"></span> midlertidige f<span class=\"_ _1\"></span>orskjeller<span class=\"_ _1\"></span> </span><span style=\"display:inherit;clear:left;\">MORBANK<span class=\"_ _12c\"> </span><span class=\"lsc wsc\">KONSERN</span></span><span style=\"display:inherit;clear:left;\">3<span class=\"_ _8\"></span>1/<span class=\"_ _a\"></span>1<span class=\"_ _8\"></span>2-2<span class=\"_ _8\"></span>2<span class=\"_ _57\"> </span>3<span class=\"_ _8\"></span>1<span class=\"_ _8\"></span>/<span class=\"_ _8\"></span>1<span class=\"_ _8\"></span>2-2<span class=\"_ _8\"></span>3<span class=\"_ _b8\"> </span></span><span style=\"display:inherit;clear:left;\">Utsa<span class=\"_ _1\"></span>tt ska<span class=\"_ _1\"></span>tt<span class=\"_ _1\"></span>efor<span class=\"_ _1\"></span>del<span class=\"_ _2a0\"> </span><span class=\"ls13 ws13\">31<span class=\"_ _8\"></span>/<span class=\"_ _8\"></span>1<span class=\"_ _8\"></span>2-2<span class=\"_ _8\"></span>3<span class=\"_ _57\"> </span>3<span class=\"_ _8\"></span>1<span class=\"_ _8\"></span>/<span class=\"_ _8\"></span>1<span class=\"_ _8\"></span>2-2<span class=\"_ _8\"></span>2</span></span><span style=\"display:inherit;clear:left;\">19<span class=\"_ _17\"> </span></span><span style=\"display:inherit;clear:left;\">21<span class=\"_ _b9\"> </span></span><span style=\"display:inherit;clear:left;\">Varige<span class=\"_ _1\"></span> driftsmidler<span class=\"_ _1af\"> </span><span class=\"ls14 ws14\">20<span class=\"_ _17\"> </span><span class=\"ls9a wsf7\">18</span></span></span><span style=\"display:inherit;clear:left;\">224<span class=\"_ _86\"> </span></span><span style=\"display:inherit;clear:left;\">2<span class=\"_ _8\"></span>25<span class=\"_ _b9\"> </span></span><span style=\"display:inherit;clear:left;\">Finansielle instrumenter<span class=\"_ _2bf\"> </span><span class=\"ls8 ws8\">762<span class=\"_ _94\"> </span><span class=\"ls7 ws7\">831</span></span></span><span style=\"display:inherit;clear:left;\">9<span class=\"_ _75\"> </span><span class=\"ls14 ws14\">11<span class=\"_ _b9\"> </span><span class=\"ls5 ws5\">Pensjonsforpliktelser<span class=\"_ _158\"> </span></span>11<span class=\"_ _18\"> </span><span class=\"ls123 ws1cd\">10</span></span></span><span style=\"display:inherit;clear:left;\">160<span class=\"_ _86\"> </span></span><span style=\"display:inherit;clear:left;\">2<span class=\"_ _8\"></span>76<span class=\"_ _11a\"> </span></span><span style=\"display:inherit;clear:left;\">Annen g<span class=\"_ _8\"></span>jeld<span class=\"_ _2c0\"> </span><span class=\"lsa wsa\">14<span class=\"_ _17\"> </span></span></span><span style=\"display:inherit;clear:left;\">16</span><span style=\"display:inherit;clear:left;\">41<span class=\"_ _8\"></span>3<span class=\"_ _189\"> </span></span><span style=\"display:inherit;clear:left;\">533<span class=\"_ _b9\"> </span></span><span style=\"display:inherit;clear:left;\">Sum utsatt<span class=\"_ _1\"></span> ska<span class=\"_ _1\"></span>ttef<span class=\"_ _1\"></span>ordel<span class=\"_ _1f7\"> </span><span class=\"lsf2 ws154\">808<span class=\"_ _65\"> </span><span class=\"ls83 wsdd\">875</span></span></span><span style=\"display:inherit;clear:left;\">3<span class=\"_ _8\"></span>1/<span class=\"_ _a\"></span>1<span class=\"_ _8\"></span>2-2<span class=\"_ _8\"></span>2<span class=\"_ _57\"> </span>3<span class=\"_ _8\"></span>1<span class=\"_ _8\"></span>/<span class=\"_ _8\"></span>1<span class=\"_ _8\"></span>2-2<span class=\"_ _8\"></span>3<span class=\"_ _b8\"> </span><span class=\"ls133 ws1e0\">Uts<span class=\"_ _8\"></span>at<span class=\"_ _8\"></span>t s<span class=\"_ _8\"></span>kat<span class=\"_ _8\"></span>t<span class=\"_ _1af\"> </span></span>31<span class=\"_ _8\"></span>/<span class=\"_ _8\"></span>1<span class=\"_ _8\"></span>2-2<span class=\"_ _8\"></span>3<span class=\"_ _e0\"> </span>3<span class=\"_ _8\"></span>1<span class=\"_ _8\"></span>/<span class=\"_ _8\"></span>1<span class=\"_ _8\"></span>2-2<span class=\"_ _8\"></span>2</span><span style=\"display:inherit;clear:left;\">0<span class=\"_ _8b\"> </span>0<span class=\"_ _11a\"> </span></span><span style=\"display:inherit;clear:left;\">Gevinst<span class=\"_ _2\"></span>- og tapskonto<span class=\"_ _263\"> </span><span class=\"ls0 ws0\">0<span class=\"_ _8b\"> </span>0</span></span><span style=\"display:inherit;clear:left;\">20<span class=\"_ _12\"> </span>20<span class=\"_ _b9\"> </span><span class=\"lse wse\">Goo<span class=\"_ _8\"></span>dwill<span class=\"_ _2c1\"> </span></span>20<span class=\"_ _12\"> </span>20</span><span style=\"display:inherit;clear:left;\">79<span class=\"_ _98\"> </span></span><span style=\"display:inherit;clear:left;\">27<span class=\"_ _b9\"> </span></span><span style=\"display:inherit;clear:left;\">Finansiell<span class=\"_ _8\"></span>e instrumenter<span class=\"_ _2c2\"> </span><span class=\"ls33 ws84\">530<span class=\"_ _6e\"> </span>681</span></span><span style=\"display:inherit;clear:left;\">99<span class=\"_ _12\"> </span></span><span style=\"display:inherit;clear:left;\">47<span class=\"_ _b8\"> </span></span><span style=\"display:inherit;clear:left;\">Sum<span class=\"_ _8\"></span> ut<span class=\"_ _8\"></span>s<span class=\"_ _8\"></span>att s<span class=\"_ _8\"></span>kat<span class=\"_ _8\"></span>t<span class=\"_ _28f\"> </span><span class=\"ls9 ws9\">551<span class=\"_ _6e\"> </span><span class=\"ls136 ws1e3\">701</span></span></span><span style=\"display:inherit;clear:left;\">-314<span class=\"_ _dd\"> </span></span><span style=\"display:inherit;clear:left;\">-485<span class=\"_ _11a\"> </span></span><span style=\"display:inherit;clear:left;\">Netto utsa<span class=\"_ _1\"></span>tt s<span class=\"_ _1\"></span>katt<span class=\"_ _1\"></span> (<span class=\"_ _1\"></span>ska<span class=\"_ _1\"></span>ttef<span class=\"_ _1\"></span>ordel)<span class=\"_ _1fa\"> </span><span class=\"ls13 ws13\">-2<span class=\"_ _8\"></span>5<span class=\"_ _8\"></span>6<span class=\"_ _9b\"> </span><span class=\"ls132 ws1de\">-1<span class=\"_ _8\"></span>7<span class=\"_ _8\"></span>3</span></span></span><span style=\"display:inherit;clear:left;\">Utsatt<span class=\"_ _1\"></span> ska<span class=\"_ _1\"></span>tt i<span class=\"_ _1\"></span> resul<span class=\"_ _1\"></span>tatr<span class=\"_ _1\"></span>egnskapet<span class=\"_ _1\"></span> vedr<span class=\"_ _1\"></span>\u00f8rer<span class=\"_ _1\"></span> f\u00f8lgende<span class=\"_ _1\"></span> midlertidige f<span class=\"_ _1\"></span>orskjeller<span class=\"_ _1\"></span> </span><span style=\"display:inherit;clear:left;\">2022<span class=\"_ _cc\"> </span>2023<span class=\"_ _11a\"> </span></span><span style=\"display:inherit;clear:left;\">Resultatf<span class=\"_ _1\"></span>\u00f8rt utsatt<span class=\"_ _1\"></span> ska<span class=\"_ _1\"></span>tt<span class=\"_ _2c3\"> </span><span class=\"ls11f ws1ca\">2023<span class=\"_ _cc\"> </span>2022</span></span><span style=\"display:inherit;clear:left;\">-1<span class=\"_ _8d\"> </span></span><span style=\"display:inherit;clear:left;\">-2<span class=\"_ _b8\"> </span></span><span style=\"display:inherit;clear:left;\">V<span class=\"_ _1\"></span>arige driftsmidler<span class=\"_ _1a4\"> </span><span class=\"ls4a ws9d\">-2<span class=\"_ _8d\"> </span>-2</span></span><span style=\"display:inherit;clear:left;\">27<span class=\"_ _94\"> </span></span><span style=\"display:inherit;clear:left;\">-52<span class=\"_ _11a\"> </span></span><span style=\"display:inherit;clear:left;\">Finansie<span class=\"_ _8\"></span>lle instrumenter<span class=\"_ _171\"> </span><span class=\"ls120 ws1cb\">-82<span class=\"_ _98\"> </span><span class=\"ls21 ws175\">75</span></span></span><span style=\"display:inherit;clear:left;\">-1<span class=\"_ _8b\"> </span>-1<span class=\"_ _b8\"> </span><span class=\"ls5 ws5\">Pensjonsforpliktelser<span class=\"_ _28e\"> </span></span>-1<span class=\"_ _9a\"> </span>-1</span><span style=\"display:inherit;clear:left;\">-55<span class=\"_ _108\"> </span></span><span style=\"display:inherit;clear:left;\">-1<span class=\"_ _8\"></span>1<span class=\"_ _a\"></span>6<span class=\"_ _b8\"> </span></span><span style=\"display:inherit;clear:left;\">Annen g<span class=\"_ _8\"></span>jeld<span class=\"_ _248\"> </span><span class=\"ls0 ws0\">1<span class=\"_ _17\"> </span><span class=\"ls120 ws1cb\">-8</span></span></span><span style=\"display:inherit;clear:left;\">-31<span class=\"_ _86\"> </span></span><span style=\"display:inherit;clear:left;\"><span><span style=\"display:inherit;clear:left;\">-1<span class=\"_ _8\"></span>7<span class=\"_ _a\"></span>1<span class=\"_ _b8\"> </span></span></span><span class=\"lsd wsd\"><span><span style=\"display:inherit;clear:left;\">Sum endring<span class=\"_ _1\"></span> utsatt<span class=\"_ _1\"></span> ska<span class=\"_ _1\"></span>tt</span></span><span><span style=\"display:inherit;clear:left;\"><span class=\"_ _2c4\"> </span><span class=\"ls92 wsee\">-84<span class=\"_ _12\"> </span></span></span></span><span><span style=\"display:inherit;clear:left;\">65</span></span></span></span><span style=\"display:inherit;clear:left;\">Note 3<span class=\"_ _8\"></span>3<span class=\"_ _8\"></span> I<span class=\"_ _8\"></span>m<span class=\"_ _8\"></span>mater<span class=\"_ _8\"></span>iel<span class=\"_ _8\"></span>le e<span class=\"_ _8\"></span>iende<span class=\"_ _8\"></span>ler</span><span style=\"display:inherit;clear:left;\">MORBANK<span class=\"_ _2c5\"> </span>K<span class=\"_ _1\"></span>ONSERN</span><span style=\"display:inherit;clear:left;\">Pr<span class=\"_ _1\"></span>ogr<span class=\"_ _1\"></span>am- </span><span style=\"display:inherit;clear:left;\">Pr<span class=\"_ _1\"></span>ogr<span class=\"_ _1\"></span>am- </span><span style=\"display:inherit;clear:left;\">v<span class=\"_ _1\"></span>ar<span class=\"_ _1\"></span>e og </span><span style=\"display:inherit;clear:left;\">v<span class=\"_ _1\"></span>ar<span class=\"_ _1\"></span>e og </span><span style=\"display:inherit;clear:left;\">lisenser <span class=\"_ _11a\"> </span>Goodwill<span class=\"_ _72\"> </span>Sum</span><span style=\"display:inherit;clear:left;\">lisenser <span class=\"_ _11a\"> </span>Goodwill<span class=\"_ _72\"> </span>Sum</span><span style=\"display:inherit;clear:left;\">Pr<span class=\"_ _2\"></span>. 31/<span class=\"_ _8\"></span>12-<span class=\"_ _2\"></span>202<span class=\"_ _8\"></span>1</span><span style=\"display:inherit;clear:left;\">488<span class=\"_ _6e\"> </span><span class=\"ls82 ws14b\">109<span class=\"_ _78\"> </span><span class=\"ls6 ws6\">5<span class=\"_ _8\"></span>97<span class=\"_ _53\"> </span></span></span>Anskaff<span class=\"_ _1\"></span>elsesk<span class=\"_ _1\"></span>ost<span class=\"_ _25c\"> </span>488<span class=\"_ _94\"> </span><span class=\"ls31 ws81\">1<span class=\"_ _8\"></span>57<span class=\"_ _98\"> </span><span class=\"ls82 ws14b\">645</span></span></span><span style=\"display:inherit;clear:left;\">316<span class=\"_ _9a\"> </span><span class=\"ls0 ws0\">0<span class=\"_ _8d\"> </span></span>316<span class=\"_ _53\"> </span><span class=\"ls0 ws0\">Akkumulerte a<span class=\"_ _1\"></span>vskrivning<span class=\"_ _1\"></span>er<span class=\"_ _217\"> </span><span class=\"ls126 ws1d0\">316<span class=\"_ _78\"> </span></span>21<span class=\"_ _17\"> </span><span class=\"ls61 wsb5\">3<span class=\"_ _8\"></span>37</span></span></span><span style=\"display:inherit;clear:left;\">1<span class=\"_ _8\"></span>72<span class=\"_ _108\"> </span></span><span style=\"display:inherit;clear:left;\">109<span class=\"_ _8d\"> </span></span><span style=\"display:inherit;clear:left;\">281<span class=\"_ _53\"> </span></span><span style=\"display:inherit;clear:left;\">Balansef<span class=\"_ _1\"></span>\u00f8rt v<span class=\"_ _1\"></span>er<span class=\"_ _1\"></span>di pr<span class=\"_ _0\"></span>. 31/12-<span class=\"_ _1\"></span>2<span class=\"_ _1\"></span>021<span class=\"_ _228\"> </span></span><span style=\"display:inherit;clear:left;\">1<span class=\"_ _8\"></span>72<span class=\"_ _ba\"> </span><span class=\"ls135 ws1e2\">1<span class=\"_ _8\"></span>36<span class=\"_ _98\"> </span>308</span></span><span style=\"display:inherit;clear:left;\">Regnskaps\u00e5r<span class=\"_ _1\"></span>e<span class=\"_ _1\"></span>t 20<span class=\"_ _1\"></span>22</span><span style=\"display:inherit;clear:left;\">1<span class=\"_ _8\"></span>72<span class=\"_ _ba\"> </span></span><span style=\"display:inherit;clear:left;\">109<span class=\"_ _21a\"> </span></span><span style=\"display:inherit;clear:left;\">28<span class=\"_ _8\"></span>1<span class=\"_ _53\"> </span></span><span style=\"display:inherit;clear:left;\">Balansef<span class=\"_ _1\"></span>\u00f8rt ver<span class=\"_ _1\"></span>di pr<span class=\"_ _0\"></span>. 1/1-2<span class=\"_ _1\"></span>022<span class=\"_ _133\"> </span></span><span style=\"display:inherit;clear:left;\">172<span class=\"_ _74\"> </span><span class=\"ls12c ws1d6\">136<span class=\"_ _11\"> </span>308</span></span><span style=\"display:inherit;clear:left;\">88<span class=\"_ _8b\"> </span>0<span class=\"_ _66\"> </span>88<span class=\"_ _d6\"> </span>Tilgang i \u00e5re<span class=\"_ _1\"></span>t<span class=\"_ _14e\"> </span>88<span class=\"_ _9a\"> </span>5<span class=\"_ _66\"> </span><span class=\"ls136 ws1e3\">93</span></span><span style=\"display:inherit;clear:left;\">0<span class=\"_ _8b\"> </span>0<span class=\"_ _118\"> </span>0<span class=\"_ _d6\"> </span>Av<span class=\"_ _1\"></span>gang i \u00e5r<span class=\"_ _1\"></span>e<span class=\"_ _1\"></span>t<span class=\"_ _180\"> </span>0<span class=\"_ _8b\"> </span>0<span class=\"_ _118\"> </span>0</span><span style=\"display:inherit;clear:left;\">119<span class=\"_ _8b\"> </span>0<span class=\"_ _e9\"> </span>119<span class=\"_ _53\"> </span>\u00c5r<span class=\"_ _1\"></span>ets a<span class=\"_ _2\"></span>vskrivninger<span class=\"_ _17f\"> </span>119<span class=\"_ _10\"> </span>7<span class=\"_ _21a\"> </span><span class=\"ls125 ws1cf\">126</span></span><span style=\"display:inherit;clear:left;\">1<span class=\"_ _8\"></span>41<span class=\"_ _6e\"> </span></span><span style=\"display:inherit;clear:left;\">109<span class=\"_ _14\"> </span></span><span style=\"display:inherit;clear:left;\">250<span class=\"_ _53\"> </span></span><span style=\"display:inherit;clear:left;\">Balansef<span class=\"_ _1\"></span>\u00f8rt v<span class=\"_ _1\"></span>er<span class=\"_ _1\"></span>di pr<span class=\"_ _0\"></span>. 31/12-<span class=\"_ _1\"></span>20<span class=\"_ _1\"></span>22<span class=\"_ _176\"> </span></span><span style=\"display:inherit;clear:left;\">1<span class=\"_ _a\"></span>41<span class=\"_ _108\"> </span><span class=\"ls62 wsb6\">134<span class=\"_ _17\"> </span><span class=\"ls4a ws9d\">276</span></span></span><span style=\"display:inherit;clear:left;\">Pr<span class=\"_ _2\"></span>. 31/12<span class=\"_ _1\"></span>-<span class=\"_ _1\"></span>20<span class=\"_ _1\"></span>22</span><span style=\"display:inherit;clear:left;\">577<span class=\"_ _94\"> </span></span><span style=\"display:inherit;clear:left;\">109<span class=\"_ _11\"> </span></span><span style=\"display:inherit;clear:left;\">685<span class=\"_ _53\"> </span></span><span style=\"display:inherit;clear:left;\">Anska<span class=\"_ _1\"></span>ff<span class=\"_ _1\"></span>elsesk<span class=\"_ _1\"></span>ost<span class=\"_ _27f\"> </span></span><span style=\"display:inherit;clear:left;\">577<span class=\"_ _94\"> </span><span class=\"lsf wsf\">162<span class=\"_ _17\"> </span><span class=\"ls12f ws1d9\">73<span class=\"_ _8\"></span>9</span></span></span><span style=\"display:inherit;clear:left;\">435<span class=\"_ _8b\"> </span><span class=\"ls0 ws0\">0<span class=\"_ _14\"> </span></span>435<span class=\"_ _53\"> </span></span><span style=\"display:inherit;clear:left;\">Akkumulerte a<span class=\"_ _1\"></span>vskrivning<span class=\"_ _1\"></span>er<span class=\"_ _195\"> </span></span><span style=\"display:inherit;clear:left;\">435<span class=\"_ _14\"> </span><span class=\"ls109 ws16b\">28<span class=\"_ _14\"> </span><span class=\"ls133 ws1e0\">46<span class=\"_ _8\"></span>3</span></span></span><span style=\"display:inherit;clear:left;\">1<span class=\"_ _8\"></span>41<span class=\"_ _6e\"> </span></span><span style=\"display:inherit;clear:left;\">109<span class=\"_ _14\"> </span></span><span style=\"display:inherit;clear:left;\">250<span class=\"_ _53\"> </span></span><span style=\"display:inherit;clear:left;\">Balansef<span class=\"_ _1\"></span>\u00f8rt v<span class=\"_ _1\"></span>er<span class=\"_ _1\"></span>di pr<span class=\"_ _0\"></span>. 31/12-<span class=\"_ _1\"></span>20<span class=\"_ _1\"></span>22<span class=\"_ _176\"> </span></span><span style=\"display:inherit;clear:left;\">1<span class=\"_ _a\"></span>41<span class=\"_ _108\"> </span><span class=\"ls62 wsb6\">134<span class=\"_ _17\"> </span><span class=\"ls4a ws9d\">276</span></span></span><span style=\"display:inherit;clear:left;\">Regnskaps\u00e5r<span class=\"_ _1\"></span>e<span class=\"_ _1\"></span>t 20<span class=\"_ _1\"></span>23</span><span style=\"display:inherit;clear:left;\">1<span class=\"_ _8\"></span>41<span class=\"_ _94\"> </span></span><span style=\"display:inherit;clear:left;\">109<span class=\"_ _98\"> </span></span><span style=\"display:inherit;clear:left;\">250<span class=\"_ _53\"> </span></span><span style=\"display:inherit;clear:left;\">Balansef<span class=\"_ _1\"></span>\u00f8rt ver<span class=\"_ _1\"></span>di pr<span class=\"_ _0\"></span>. 1/1-2<span class=\"_ _1\"></span>02<span class=\"_ _1\"></span>3<span class=\"_ _1cf\"> </span></span><span style=\"display:inherit;clear:left;\">1<span class=\"_ _8\"></span>41<span class=\"_ _94\"> </span><span class=\"ls120 ws1cb\">134<span class=\"_ _17\"> </span><span class=\"ls4a ws9d\">276</span></span></span><span style=\"display:inherit;clear:left;\">69<span class=\"_ _9a\"> </span><span class=\"ls0 ws0\">0<span class=\"_ _66\"> </span></span>69<span class=\"_ _d6\"> </span><span class=\"ls0 ws0\">Tilgang i \u00e5ret<span class=\"_ _1c7\"> </span></span>69<span class=\"_ _9a\"> </span><span class=\"ls0 ws0\">0<span class=\"_ _66\"> </span></span>69</span><span style=\"display:inherit;clear:left;\">0<span class=\"_ _8b\"> </span>0<span class=\"_ _118\"> </span>0<span class=\"_ _d6\"> </span>Av<span class=\"_ _1\"></span>gang i \u00e5r<span class=\"_ _1\"></span>e<span class=\"_ _1\"></span>t<span class=\"_ _180\"> </span>0<span class=\"_ _8b\"> </span>0<span class=\"_ _118\"> </span>0</span><span style=\"display:inherit;clear:left;\">87<span class=\"_ _9a\"> </span><span class=\"ls0 ws0\">0<span class=\"_ _3d\"> </span></span>87<span class=\"_ _53\"> </span><span class=\"ls0 ws0\">\u00c5re<span class=\"_ _1\"></span>ts a<span class=\"_ _1\"></span>vskrivning<span class=\"_ _1\"></span>er<span class=\"_ _18f\"> </span><span class=\"ls132 ws1de\">87<span class=\"_ _92\"> </span></span>6<span class=\"_ _66\"> </span><span class=\"ls136 ws1e3\">93</span></span></span><span style=\"display:inherit;clear:left;\">123<span class=\"_ _6f\"> </span></span><span style=\"display:inherit;clear:left;\">109<span class=\"_ _18\"> </span></span><span style=\"display:inherit;clear:left;\">232<span class=\"_ _53\"> </span></span><span style=\"display:inherit;clear:left;\">Balansef<span class=\"_ _1\"></span>\u00f8rt ver<span class=\"_ _1\"></span>di pr<span class=\"_ _0\"></span>. 31/12<span class=\"_ _1\"></span>-2<span class=\"_ _1\"></span>02<span class=\"_ _1\"></span>3<span class=\"_ _275\"> </span></span><span style=\"display:inherit;clear:left;\">123<span class=\"_ _6e\"> </span></span><span style=\"display:inherit;clear:left;\">1<span class=\"_ _8\"></span>29</span><span style=\"display:inherit;clear:left;\"><span class=\"_ _11\"> </span><span class=\"ls8 ws8\">2<span class=\"_ _8\"></span>52</span></span><span style=\"display:inherit;clear:left;\">Pr<span class=\"_ _2\"></span>. 31/12<span class=\"_ _1\"></span>-<span class=\"_ _1\"></span>20<span class=\"_ _1\"></span>23</span><span style=\"display:inherit;clear:left;\">646<span class=\"_ _6e\"> </span></span><span style=\"display:inherit;clear:left;\">1<span class=\"_ _8\"></span>09<span class=\"_ _11\"> </span></span><span style=\"display:inherit;clear:left;\">754<span class=\"_ _53\"> </span></span><span style=\"display:inherit;clear:left;\">Anskaff<span class=\"_ _1\"></span>elsesk<span class=\"_ _1\"></span>ost<span class=\"_ _25c\"> </span></span><span style=\"display:inherit;clear:left;\">646<span class=\"_ _94\"> </span><span class=\"lsf wsf\">162<span class=\"_ _98\"> </span><span class=\"ls82 ws14b\">808</span></span></span><span style=\"display:inherit;clear:left;\">522<span class=\"_ _9a\"> </span><span class=\"ls0 ws0\">0<span class=\"_ _18\"> </span></span>52<span class=\"_ _8\"></span>2<span class=\"_ _53\"> </span></span><span style=\"display:inherit;clear:left;\">Akkumulerte a<span class=\"_ _1\"></span>v<span class=\"_ _1\"></span>skrivninger<span class=\"_ _f8\"> </span></span><span style=\"display:inherit;clear:left;\">522<span class=\"_ _12\"> </span><span class=\"ls120 ws1cb\">34<span class=\"_ _11\"> </span><span class=\"ls82 ws14b\">556</span></span></span><span style=\"display:inherit;clear:left;\">123<span class=\"_ _6f\"> </span></span><span style=\"display:inherit;clear:left;\">109<span class=\"_ _18\"> </span></span><span style=\"display:inherit;clear:left;\">232<span class=\"_ _53\"> </span></span><span style=\"display:inherit;clear:left;\">Balansef<span class=\"_ _1\"></span>\u00f8rt ver<span class=\"_ _1\"></span>di pr<span class=\"_ _0\"></span>. 31/12<span class=\"_ _1\"></span>-2<span class=\"_ _1\"></span>02<span class=\"_ _1\"></span>3<span class=\"_ _275\"> </span></span><span style=\"display:inherit;clear:left;\">123<span class=\"_ _6e\"> </span></span><span style=\"display:inherit;clear:left;\">1<span class=\"_ _8\"></span>29</span><span style=\"display:inherit;clear:left;\"><span class=\"_ _11\"> </span><span class=\"ls8 ws8\">2<span class=\"_ _8\"></span>52</span></span><span style=\"display:inherit;clear:left;\">Utviklet pr<span class=\"_ _1\"></span>ogram<span class=\"_ _1\"></span>var<span class=\"_ _1\"></span>e</span><span style=\"display:inherit;clear:left;\">Utvikling a<span class=\"_ _1\"></span>v pr<span class=\"_ _1\"></span>ogramv<span class=\"_ _1\"></span>are<span class=\"_ _1\"></span> balansef\u00f8r<span class=\"_ _1\"></span>es og klassifiser<span class=\"_ _1\"></span>es som imma<span class=\"_ _1\"></span>terielle<span class=\"_ _1\"></span> eiendeler dersom<span class=\"_ _1\"></span> verd<span class=\"_ _1\"></span>ien vurder<span class=\"_ _1\"></span>es som v<span class=\"_ _1\"></span>esentlig og<span class=\"_ _1\"></span> </span><span style=\"display:inherit;clear:left;\">eie<span class=\"_ _8\"></span>nde<span class=\"_ _8\"></span>len for<span class=\"_ _8\"></span>ve<span class=\"_ _8\"></span>ntes \u00e5 ha va<span class=\"_ _8\"></span>rig verd<span class=\"_ _8\"></span>i. Ved utv<span class=\"_ _8\"></span>ikl<span class=\"_ _8\"></span>ing av prog<span class=\"_ _8\"></span>ramvare ak<span class=\"_ _8\"></span>ti<span class=\"_ _8\"></span>veres b<span class=\"_ _8\"></span>ruk av eg<span class=\"_ _8\"></span>ne res<span class=\"_ _8\"></span>sur<span class=\"_ _8\"></span>ser s<span class=\"_ _8\"></span>\u00e5fremt p\u00e5l<span class=\"_ _8\"></span>\u00f8pte ut<span class=\"_ _8\"></span>g<span class=\"_ _8\"></span>ifte<span class=\"_ _8\"></span>r kan </span><span style=\"display:inherit;clear:left;\">m\u00e5les p\u00e5litelig. Utgifter til<span class=\"_ _1\"></span> blant anne<span class=\"_ _1\"></span>t forpr<span class=\"_ _1\"></span>osjektering, implementering<span class=\"_ _1\"></span> og oppl\u00e6ring k<span class=\"_ _1\"></span>ostnadsf<span class=\"_ _1\"></span>\u00f8res<span class=\"_ _1\"></span> l\u00f8pende. Balansef\u00f8rt </span><span style=\"display:inherit;clear:left;\">egenutviklet pr<span class=\"_ _1\"></span>ogramv<span class=\"_ _1\"></span>ar<span class=\"_ _1\"></span>e a<span class=\"_ _1\"></span>vskriv<span class=\"_ _1\"></span>es line\u00e6rt over<span class=\"_ _1\"></span> anta<span class=\"_ _1\"></span>tt lev<span class=\"_ _1\"></span>etid. A<span class=\"_ _1\"></span>vskrivni<span class=\"_ _1\"></span>ngene p\u00e5begynnes p\u00e5 det tid<span class=\"_ _1\"></span>spunktet progr<span class=\"_ _1\"></span>amv<span class=\"_ _1\"></span>aren<span class=\"_ _1\"></span> er </span><span style=\"display:inherit;clear:left;\">tilg<span class=\"_ _8\"></span>jengelig for bruk i selskapet, slik<span class=\"_ _1\"></span> at<span class=\"_ _1\"></span> programv<span class=\"_ _1\"></span>are<span class=\"_ _1\"></span> under utvikling er oppf\u00f8rt til k<span class=\"_ _1\"></span>ostpris inntil utvikling er f<span class=\"_ _1\"></span>erdigstilt.</span><span style=\"display:inherit;clear:left;\">Det v<span class=\"_ _8\"></span>urdere<span class=\"_ _8\"></span>s l\u00f8<span class=\"_ _8\"></span>pen<span class=\"_ _8\"></span>de hvor<span class=\"_ _8\"></span>vi<span class=\"_ _8\"></span>dt det fore<span class=\"_ _8\"></span>lig<span class=\"_ _8\"></span>ge<span class=\"_ _8\"></span>r beh<span class=\"_ _8\"></span>ov for ne<span class=\"_ _8\"></span>dskr<span class=\"_ _8\"></span>ivni<span class=\"_ _8\"></span>ng so<span class=\"_ _8\"></span>m f\u00f8lge av at verdi<span class=\"_ _8\"></span>en av forve<span class=\"_ _8\"></span>nted<span class=\"_ _8\"></span>e \u00f8kono<span class=\"_ _8\"></span>miske fo<span class=\"_ _8\"></span>rdele<span class=\"_ _8\"></span>r er </span><span style=\"display:inherit;clear:left;\">lav<span class=\"_ _1\"></span>ere<span class=\"_ _1\"></span> enn balanse<span class=\"_ _1\"></span>f\u00f8rt ver<span class=\"_ _1\"></span>di.</span><span style=\"display:inherit;clear:left;\"><span><span style=\"display:inherit;clear:left;\">Prog<span class=\"_ _8\"></span>ramvare/l<span class=\"_ _8\"></span>ise<span class=\"_ _8\"></span>nser avsk<span class=\"_ _8\"></span>rive<span class=\"_ _8\"></span>s lin<span class=\"_ _8\"></span>e\u00e6r<span class=\"_ _8\"></span>t over for<span class=\"_ _8\"></span>ve<span class=\"_ _8\"></span>ntet \u00f8kon<span class=\"_ _8\"></span>omis<span class=\"_ _8\"></span>k leveti<span class=\"_ _8\"></span>d som e<span class=\"_ _8\"></span>r est<span class=\"_ _8\"></span>ime<span class=\"_ _8\"></span>rt t<span class=\"_ _8\"></span>il 3 \u00e5r<span class=\"_ _1\"></span>.</span></span> </span><span style=\"display:inherit;clear:left;\">Goodwill</span><span style=\"display:inherit;clear:left;\">Go<span class=\"_ _8\"></span>odw<span class=\"_ _8\"></span>ill er fo<span class=\"_ _8\"></span>rskj<span class=\"_ _8\"></span>elle<span class=\"_ _8\"></span>n mel<span class=\"_ _8\"></span>lom a<span class=\"_ _8\"></span>nskaf<span class=\"_ _8\"></span>felse<span class=\"_ _8\"></span>skos<span class=\"_ _8\"></span>t ved kj<span class=\"_ _8\"></span>\u00f8p av virks<span class=\"_ _8\"></span>omh<span class=\"_ _8\"></span>et og v<span class=\"_ _8\"></span>irkeli<span class=\"_ _8\"></span>g verdi av kons<span class=\"_ _8\"></span>ern<span class=\"_ _8\"></span>ets an<span class=\"_ _8\"></span>del av net<span class=\"_ _8\"></span>to </span><span style=\"display:inherit;clear:left;\">identifiserbare<span class=\"_ _1\"></span> eiendeler i virk<span class=\"_ _1\"></span>somheten<span class=\"_ _1\"></span> p\u00e5 oppkj\u00f8pstidspunktet. Ov<span class=\"_ _1\"></span>ertatte eiendeler og<span class=\"_ _1\"></span> g<span class=\"_ _8\"></span>jeld balansef\u00f8r<span class=\"_ _1\"></span>es til vi<span class=\"_ _1\"></span>rkelig v<span class=\"_ _1\"></span>erdi<span class=\"_ _1\"></span> i </span><span style=\"display:inherit;clear:left;\">\u00e5pningsbalansen i<span class=\"_ _1\"></span> konserne<span class=\"_ _1\"></span>t. Dersom v<span class=\"_ _1\"></span>ederlaget o<span class=\"_ _1\"></span>vers<span class=\"_ _1\"></span>tiger v<span class=\"_ _1\"></span>erdien<span class=\"_ _1\"></span> av<span class=\"_ _1\"></span> identifiserte eiendeler og<span class=\"_ _1\"></span> forpliktelser<span class=\"_ _2\"></span>, r<span class=\"_ _1\"></span>egnskapsf\u00f8r<span class=\"_ _1\"></span>es </span><span style=\"display:inherit;clear:left;\">differ<span class=\"_ _1\"></span>ansen som g<span class=\"_ _1\"></span>oodwill. Dersom ans<span class=\"_ _1\"></span>kaffelsesk<span class=\"_ _1\"></span>ost er<span class=\"_ _1\"></span> la<span class=\"_ _1\"></span>ver<span class=\"_ _1\"></span>e enn iden<span class=\"_ _1\"></span>tifiserte eiendeler og f<span class=\"_ _1\"></span>orpliktelser (<span class=\"_ _1\"></span>negativ<span class=\"_ _1\"></span> goodwill)<span class=\"_ _1\"></span>, </span><span style=\"display:inherit;clear:left;\">resulta<span class=\"_ _1\"></span>tf\u00f8res<span class=\"_ _1\"></span> differan<span class=\"_ _1\"></span>sen p\u00e5 tr<span class=\"_ _1\"></span>ansaksjonstidspunktet.<span class=\"_ _1\"></span> </span><span style=\"display:inherit;clear:left;\">De enkel<span class=\"_ _1\"></span>te g<span class=\"_ _1\"></span>oodwillpostene i balan<span class=\"_ _1\"></span>sen er allok<span class=\"_ _1\"></span>ert til k<span class=\"_ _1\"></span>ontantstr<span class=\"_ _1\"></span>\u00f8mgenerer<span class=\"_ _1\"></span>ende enhet<span class=\"_ _1\"></span>er som n<span class=\"_ _1\"></span>yter g<span class=\"_ _1\"></span>odt a<span class=\"_ _1\"></span>v den<span class=\"_ _1\"></span> kj\u00f8pte<span class=\"_ _1\"></span> eiendelen. </span><span style=\"display:inherit;clear:left;\">Valg av vurde<span class=\"_ _8\"></span>ring<span class=\"_ _8\"></span>senh<span class=\"_ _8\"></span>et er g<span class=\"_ _a\"></span>jor<span class=\"_ _8\"></span>t ut f<span class=\"_ _8\"></span>ra hensy<span class=\"_ _8\"></span>n til hvor d<span class=\"_ _8\"></span>et er mu<span class=\"_ _8\"></span>lig \u00e5 i<span class=\"_ _8\"></span>dent<span class=\"_ _8\"></span>ifis<span class=\"_ _8\"></span>ere og s<span class=\"_ _8\"></span>kill<span class=\"_ _8\"></span>e ut uavhe<span class=\"_ _8\"></span>ng<span class=\"_ _8\"></span>ige kont<span class=\"_ _8\"></span>ant<span class=\"_ _8\"></span>str\u00f8m<span class=\"_ _8\"></span>mer k<span class=\"_ _8\"></span>nyt<span class=\"_ _8\"></span>tet </span><span style=\"display:inherit;clear:left;\">til virksomheten. Goodwill testes \u00e5rlig f<span class=\"_ _1\"></span>or ver<span class=\"_ _1\"></span>difall<span class=\"_ _1\"></span> og er balansef\u00f8rt til anska<span class=\"_ _1\"></span>ffelseskost med fr<span class=\"_ _1\"></span>adr<span class=\"_ _1\"></span>ag for nedskrivninger<span class=\"_ _2\"></span>. </span><span style=\"display:inherit;clear:left;\">Nedskrivingstest av<span class=\"_ _1\"></span> balansef\u00f8rt goodwill g<span class=\"_ _8\"></span>jennomf\u00f8res v<span class=\"_ _1\"></span>ed neddiskontering a<span class=\"_ _1\"></span>v<span class=\"_ _1\"></span> forventede fr<span class=\"_ _1\"></span>emtidige k<span class=\"_ _1\"></span>ontantstr\u00f8mmer fr<span class=\"_ _1\"></span>a </span><span style=\"display:inherit;clear:left;\">vurderingsenhetene. Dersom nedskrivingstesten identifiserer<span class=\"_ _1\"></span> et nedskrivingsbehov nedskrives goodwill til<span class=\"_ _1\"></span> g<span class=\"_ _8\"></span>jenvinnbart bel\u00f8p, </span><span style=\"display:inherit;clear:left;\">herunder bruksverdi.<span class=\"_ _1\"></span> Nedskriving av g<span class=\"_ _1\"></span>oodwill rev<span class=\"_ _1\"></span>erseres ikk<span class=\"_ _1\"></span>e.</span><span style=\"display:inherit;clear:left;\">T<span class=\"_ _2\"></span>abellen under viser de ul<span class=\"_ _1\"></span>ike<span class=\"_ _1\"></span> vurderingsenhe<span class=\"_ _1\"></span>tene og<span class=\"_ _1\"></span> balansef\u00f8rt v<span class=\"_ _1\"></span>erdi p\u00e5<span class=\"_ _1\"></span> goodwill<span class=\"_ _1\"></span> i hv<span class=\"_ _1\"></span>er enhe<span class=\"_ _1\"></span>t. </span><span style=\"display:inherit;clear:left;\">MORBANK<span class=\"_ _2c5\"> </span>K<span class=\"_ _1\"></span>ONSERN</span><span style=\"display:inherit;clear:left;\">31/12<span class=\"_ _1\"></span>-22<span class=\"_ _10e\"> </span>31/12<span class=\"_ _1\"></span>-2<span class=\"_ _1\"></span>3<span class=\"_ _b9\"> </span>Vur<span class=\"_ _1\"></span>deringsenhe<span class=\"_ _1\"></span>t<span class=\"_ _41\"> </span>Begrunnelse for v<span class=\"_ _1\"></span>alg a<span class=\"_ _2\"></span>v vurderingsenhe<span class=\"_ _1\"></span>t<span class=\"_ _78\"> </span>31/12-<span class=\"_ _1\"></span>23<span class=\"_ _19\"> </span>31/12-<span class=\"_ _1\"></span>22</span><span style=\"display:inherit;clear:left;\">Bedriftsmarked Region Sogn </span><span style=\"display:inherit;clear:left;\">Goodwill fra oppkj\u00f8pe<span class=\"_ _1\"></span>t a<span class=\"_ _1\"></span>v F<span class=\"_ _2\"></span>okus Bank i Sogn og </span><span style=\"display:inherit;clear:left;\">og Fjordane.<span class=\"_ _1\"></span> Personmark<span class=\"_ _1\"></span>ed </span><span style=\"display:inherit;clear:left;\">Fjordane inng<span class=\"_ _1\"></span>\u00e5r i den samlede virksomhe<span class=\"_ _1\"></span>ten til </span><span style=\"display:inherit;clear:left;\">82<span class=\"_ _3e\"> </span>82</span><span style=\"display:inherit;clear:left;\">Region Nord</span><span style=\"display:inherit;clear:left;\">BM Sogn og Fjordane o<span class=\"_ _1\"></span>g PM Nord.<span class=\"_ _16a\"> </span><span class=\"ls138 ws1e5\">82<span class=\"_ _96\"> </span>82</span></span><span style=\"display:inherit;clear:left;\">Bedriftsmarked Region </span><span style=\"display:inherit;clear:left;\">Goodwill fra oppkj\u00f8pe<span class=\"_ _1\"></span>t a<span class=\"_ _1\"></span>v Sauda Spar<span class=\"_ _1\"></span>ebank </span><span style=\"display:inherit;clear:left;\">Sunnhordland. P<span class=\"_ _1\"></span>er<span class=\"_ _1\"></span>sonmarked </span><span style=\"display:inherit;clear:left;\">inng\u00e5r i den samlede virksomhe<span class=\"_ _1\"></span>ten til BM Sun-</span><span style=\"display:inherit;clear:left;\">27<span class=\"_ _75\"> </span>27</span><span style=\"display:inherit;clear:left;\">Region S\u00f8r</span><span style=\"display:inherit;clear:left;\">nhordland og PM S\u00f8r<span class=\"_ _18e\"> </span><span class=\"ls13 ws13\">27<span class=\"_ _3d\"> </span>27</span></span><span style=\"display:inherit;clear:left;\">Eiendomsmegler V<span class=\"_ _2\"></span>est AS<span class=\"_ _74\"> </span></span><span style=\"display:inherit;clear:left;\">Selskap oppkj\u00f8pt a<span class=\"_ _2\"></span>v Eiendomsmegler V<span class=\"_ _1\"></span>est AS<span class=\"_ _48\"> </span><span class=\"ls125 ws1cf\">20<span class=\"_ _96\"> </span><span class=\"ls83 wsdd\">25</span></span></span><span style=\"display:inherit;clear:left;\">109<span class=\"_ _1b\"> </span>109<span class=\"_ _11a\"> </span></span><span style=\"display:inherit;clear:left;\">Sum goodwill<span class=\"_ _26b\"> </span><span class=\"ls139 ws1e6\">129<span class=\"_ _17\"> </span></span></span><span style=\"display:inherit;clear:left;\">134</span><span style=\"display:inherit;clear:left;\">T<span class=\"_ _0\"></span>esting a<span class=\"_ _1\"></span>v v<span class=\"_ _1\"></span>er<span class=\"_ _1\"></span>dier</span><span style=\"display:inherit;clear:left;\">Nedskrivningstest a<span class=\"_ _1\"></span>v<span class=\"_ _1\"></span> balansef\u00f8rt g<span class=\"_ _1\"></span>oodwill g<span class=\"_ _8\"></span>jennomf\u00f8r<span class=\"_ _1\"></span>es v<span class=\"_ _1\"></span>ed en neddisk<span class=\"_ _1\"></span>onteri<span class=\"_ _1\"></span>ng a<span class=\"_ _1\"></span>v f<span class=\"_ _1\"></span>orventede f<span class=\"_ _1\"></span>remtidig<span class=\"_ _1\"></span>e k<span class=\"_ _1\"></span>ontantstr\u00f8mmer<span class=\"_ _1\"></span> fr<span class=\"_ _1\"></span>a </span><span style=\"display:inherit;clear:left;\">vurderingsenhe<span class=\"_ _1\"></span>tene. K<span class=\"_ _1\"></span>ontantstr<span class=\"_ _1\"></span>\u00f8mmene tar utgangspunkt i<span class=\"_ _1\"></span> historisk<span class=\"_ _1\"></span>e r<span class=\"_ _1\"></span>esultat<span class=\"_ _1\"></span>er fr<span class=\"_ _1\"></span>a h<span class=\"_ _1\"></span>ver e<span class=\"_ _1\"></span>nkelt<span class=\"_ _1\"></span> vurderingsenhe<span class=\"_ _1\"></span>t. Disk<span class=\"_ _1\"></span>onterings<span class=\"_ _1\"></span>-</span><span style=\"display:inherit;clear:left;\">faktoren<span class=\"_ _1\"></span> er basert p\u00e5 en<span class=\"_ _1\"></span> vurdering<span class=\"_ _1\"></span> av<span class=\"_ _1\"></span> hv<span class=\"_ _1\"></span>a som<span class=\"_ _1\"></span> er mark<span class=\"_ _1\"></span>edets a<span class=\"_ _1\"></span>vkastningskr<span class=\"_ _1\"></span>a<span class=\"_ _1\"></span>v f<span class=\"_ _1\"></span>or den type virk<span class=\"_ _1\"></span>somhet som<span class=\"_ _1\"></span> inng\u00e5r i vur<span class=\"_ _1\"></span>derings<span class=\"_ _1\"></span>-</span><span style=\"display:inherit;clear:left;\">enheten.<span class=\"_ _1\"></span> Dette a<span class=\"_ _1\"></span>vkastningskr<span class=\"_ _1\"></span>a<span class=\"_ _1\"></span>vet<span class=\"_ _1\"></span> re<span class=\"_ _1\"></span>flekterer risik<span class=\"_ _1\"></span>oen i vi<span class=\"_ _1\"></span>rksomheten.<span class=\"_ _1\"></span> Nedskrivningstestene<span class=\"_ _1\"></span> er g<span class=\"_ _8\"></span>jennomf<span class=\"_ _1\"></span>\u00f8rt p\u00e5 kon<span class=\"_ _1\"></span>tantstr\u00f8mmer<span class=\"_ _1\"></span> </span><span style=\"display:inherit;clear:left;\">ette<span class=\"_ _8\"></span>r skat<span class=\"_ _8\"></span>t. T<span class=\"_ _1\"></span>esten<span class=\"_ _8\"></span>e har i<span class=\"_ _8\"></span>kke avdekket b<span class=\"_ _8\"></span>ehov fo<span class=\"_ _8\"></span>r neds<span class=\"_ _8\"></span>kri<span class=\"_ _8\"></span>vnin<span class=\"_ _8\"></span>g av bok<span class=\"_ _8\"></span>f\u00f8r<span class=\"_ _8\"></span>t goo<span class=\"_ _8\"></span>dwil<span class=\"_ _8\"></span>l i mor<span class=\"_ _8\"></span>ban<span class=\"_ _8\"></span>k elle<span class=\"_ _8\"></span>r konse<span class=\"_ _8\"></span>rn p<span class=\"_ _8\"></span>er 31. d<span class=\"_ _8\"></span>ese<span class=\"_ _8\"></span>mb<span class=\"_ _8\"></span>er 2023.</span><span style=\"display:inherit;clear:left;\">Sentr<span class=\"_ _1\"></span>ale f<span class=\"_ _1\"></span>orutse<span class=\"_ _1\"></span>tninger f<span class=\"_ _1\"></span>or ne<span class=\"_ _1\"></span>dskrivningst<span class=\"_ _1\"></span>es<span class=\"_ _1\"></span>t</span><span style=\"display:inherit;clear:left;\">Vur<span class=\"_ _1\"></span>deringsenhet<span class=\"_ _2c6\"> </span></span><span style=\"display:inherit;clear:left;\">A<span class=\"_ _1\"></span>vkas<span class=\"_ _1\"></span>tningskr<span class=\"_ _1\"></span>a<span class=\"_ _1\"></span>v f<span class=\"_ _1\"></span>\u00f8r ska<span class=\"_ _2\"></span>tt</span><span style=\"display:inherit;clear:left;\">Per<span class=\"_ _1\"></span>son- og bedriftsmarke<span class=\"_ _1\"></span>d Region Sogn og Fjordane<span class=\"_ _2af\"> </span>11,<span class=\"_ _1\"></span>50 %</span><span style=\"display:inherit;clear:left;\">Per<span class=\"_ _1\"></span>son- og bedriftsmarke<span class=\"_ _1\"></span>d Region Rogaland/Sunnhordland<span class=\"_ _140\"> </span>11,50 %</span><span style=\"display:inherit;clear:left;\">Eiendomsmegler V<span class=\"_ _2\"></span>est AS<span class=\"_ _19f\"> </span>14,00 %</span><span style=\"display:inherit;clear:left;\">No<span class=\"_ _1\"></span>te 34 V<span class=\"_ _2\"></span>ar<span class=\"_ _8\"></span>ig<span class=\"_ _1\"></span>e dr<span class=\"_ _8\"></span>ift<span class=\"_ _1\"></span>smidler</span><span style=\"display:inherit;clear:left;\">V<span class=\"_ _2\"></span>arige driftsmidler ver<span class=\"_ _1\"></span>dse<span class=\"_ _1\"></span>tt<span class=\"_ _1\"></span>es til hist<span class=\"_ _1\"></span>orisk kos<span class=\"_ _1\"></span>t og a<span class=\"_ _1\"></span>v<span class=\"_ _1\"></span>skrives o<span class=\"_ _1\"></span>v<span class=\"_ _1\"></span>er f<span class=\"_ _1\"></span>orven<span class=\"_ _1\"></span>t<span class=\"_ _1\"></span>et \u00f8k<span class=\"_ _1\"></span>onomiske le<span class=\"_ _1\"></span>v<span class=\"_ _1\"></span>etid.</span><span style=\"display:inherit;clear:left;\">Ordin\u00e6r<span class=\"_ _1\"></span>e a<span class=\"_ _1\"></span>v<span class=\"_ _1\"></span>skrivninger er basert p\u00e5 k<span class=\"_ _1\"></span>ostpris og f<span class=\"_ _1\"></span>or<span class=\"_ _1\"></span>delt line\u00e6rt o<span class=\"_ _1\"></span>ver driftsmidlene<span class=\"_ _1\"></span>s \u00f8konomisk<span class=\"_ _1\"></span>e lev<span class=\"_ _1\"></span>e<span class=\"_ _1\"></span>tid. A<span class=\"_ _1\"></span>vskrivningsperiode og </span><span style=\"display:inherit;clear:left;\">a<span class=\"_ _1\"></span>vskrivningsme<span class=\"_ _1\"></span>tode blir vur<span class=\"_ _1\"></span>dert hv<span class=\"_ _1\"></span>ert \u00e5r f<span class=\"_ _1\"></span>or \u00e5 sikr<span class=\"_ _1\"></span>e a<span class=\"_ _1\"></span>t periode og me<span class=\"_ _1\"></span>tode som blir ben<span class=\"_ _1\"></span>ytt<span class=\"_ _1\"></span>et sams<span class=\"_ _1\"></span>v<span class=\"_ _1\"></span>ar<span class=\"_ _1\"></span>er med de \u00f8konomisk<span class=\"_ _1\"></span>e r<span class=\"_ _1\"></span>ealite<span class=\"_ _1\"></span>tene </span><span style=\"display:inherit;clear:left;\">til anle<span class=\"ls14d ws1fd\">gg<span class=\"_ _1\"></span><span class=\"ls0 ws0\">smidlene.</span></span></span><span style=\"display:inherit;clear:left;\">\u00c5re<span class=\"_ _1\"></span>ts or<span class=\"_ _1\"></span>din\u00e6r<span class=\"_ _1\"></span>e a<span class=\"_ _1\"></span>vskrivning<span class=\"_ _1\"></span>er k<span class=\"_ _1\"></span>ostnads<span class=\"_ _1\"></span>f<span class=\"_ _1\"></span>\u00f8r<span class=\"_ _1\"></span>es som driftskos<span class=\"_ _1\"></span>tnad.</span><span style=\"display:inherit;clear:left;\">MORBANK<span class=\"_ _2c5\"> </span>K<span class=\"_ _1\"></span>ONSERN</span><span style=\"display:inherit;clear:left;\">Maskiner<span class=\"_ _2\"></span>, </span><span style=\"display:inherit;clear:left;\">Maskiner<span class=\"_ _2\"></span>, </span><span style=\"display:inherit;clear:left;\">inv<span class=\"_ _1\"></span>en<span class=\"_ _1\"></span>tar og </span><span style=\"display:inherit;clear:left;\"> Bruks-</span><span style=\"display:inherit;clear:left;\">inv<span class=\"_ _1\"></span>en<span class=\"_ _1\"></span>tar og </span><span style=\"display:inherit;clear:left;\"> Bruks-</span><span style=\"display:inherit;clear:left;\">tr<span class=\"_ _1\"></span>ansport-</span><span style=\"display:inherit;clear:left;\">T<span class=\"_ _0\"></span>omter og </span><span style=\"display:inherit;clear:left;\">ret<span class=\"_ _8\"></span>ts<span class=\"_ _8\"></span>-<span class=\"ls0 ws0\"> </span></span><span style=\"display:inherit;clear:left;\">tr<span class=\"_ _1\"></span>ansport-</span><span style=\"display:inherit;clear:left;\">T<span class=\"_ _0\"></span>omter og </span><span style=\"display:inherit;clear:left;\">ret<span class=\"_ _8\"></span>ts<span class=\"_ _8\"></span>-<span class=\"ls0 ws0\"> </span></span><span style=\"display:inherit;clear:left;\">midler</span><span style=\"display:inherit;clear:left;\">b<span class=\"_ _1\"></span>y<span class=\"_ _1\"></span>gninger</span><span style=\"display:inherit;clear:left;\">eiendel </span><span style=\"display:inherit;clear:left;\">Sum</span><span style=\"display:inherit;clear:left;\">midler</span><span style=\"display:inherit;clear:left;\">b<span class=\"_ _1\"></span>y<span class=\"_ _1\"></span>gninger</span><span style=\"display:inherit;clear:left;\">eiendel </span><span style=\"display:inherit;clear:left;\">Sum</span><span style=\"display:inherit;clear:left;\">Pr<span class=\"_ _2\"></span>. 31/<span class=\"_ _8\"></span>12-<span class=\"_ _2\"></span>202<span class=\"_ _8\"></span>1</span><span style=\"display:inherit;clear:left;\">1<span class=\"_ _8\"></span>97<span class=\"_ _92\"> </span><span class=\"ls0 ws0\">2<span class=\"_ _6e\"> </span><span class=\"ls8 ws8\">542<span class=\"_ _8d\"> </span><span class=\"ls140 ws1ee\">74<span class=\"_ _8\"></span>1<span class=\"_ _c4\"> </span></span></span>Anska<span class=\"_ _1\"></span>ff<span class=\"_ _1\"></span>elsesk<span class=\"_ _1\"></span>ost <span class=\"_ _22c\"> </span><span class=\"ls125 ws1cf\">204<span class=\"_ _68\"> </span></span>2<span class=\"_ _65\"> </span><span class=\"ls82 ws14b\">56<span class=\"_ _8\"></span>5<span class=\"_ _14\"> </span></span>771</span></span><span style=\"display:inherit;clear:left;\">117<span class=\"_ _8b\"> </span>0<span class=\"_ _66\"> </span>0<span class=\"_ _3e\"> </span>117<span class=\"_ _53\"> </span>Akkumulerte a<span class=\"_ _1\"></span>v<span class=\"_ _1\"></span>skrivninger<span class=\"_ _41\"> </span>121<span class=\"_ _4a\"> </span>0<span class=\"_ _9a\"> </span>0<span class=\"_ _17\"> </span>121</span><span style=\"display:inherit;clear:left;\">80<span class=\"_ _9a\"> </span></span><span style=\"display:inherit;clear:left;\">2<span class=\"_ _108\"> </span><span class=\"ls135 ws1e2\">542<span class=\"_ _1a\"> </span><span class=\"ls12c ws1d6\">625<span class=\"_ _53\"> </span></span></span>Balansef<span class=\"_ _1\"></span>\u00f8rt v<span class=\"_ _1\"></span>er<span class=\"_ _1\"></span>di pr<span class=\"_ _0\"></span>. 31/12-<span class=\"_ _1\"></span>20<span class=\"_ _1\"></span>21<span class=\"_ _78\"> </span><span class=\"ls13f ws1ed\">83<span class=\"_ _a1\"> </span></span>2<span class=\"_ _189\"> </span><span class=\"ls82 ws14b\">56<span class=\"_ _8\"></span>5<span class=\"_ _94\"> </span>650</span></span><span style=\"display:inherit;clear:left;\">Regnskaps\u00e5r<span class=\"_ _1\"></span>e<span class=\"_ _1\"></span>t 20<span class=\"_ _1\"></span>22</span><span style=\"display:inherit;clear:left;\">80<span class=\"_ _10\"> </span></span><span style=\"display:inherit;clear:left;\">2<span class=\"_ _108\"> </span><span class=\"ls8 ws8\">5<span class=\"_ _8\"></span>42<span class=\"_ _12\"> </span><span class=\"ls83 wsdd\">625<span class=\"_ _d6\"> </span></span></span>Balansef\u00f8rt v<span class=\"_ _1\"></span>er<span class=\"_ _1\"></span>di pr<span class=\"_ _0\"></span>. 1/1-20<span class=\"_ _1\"></span>22<span class=\"_ _116\"> </span><span class=\"ls13f ws1ed\">83<span class=\"_ _a2\"> </span></span>2<span class=\"_ _189\"> </span><span class=\"ls82 ws14b\">56<span class=\"_ _8\"></span>5<span class=\"_ _74\"> </span>650</span></span><span style=\"display:inherit;clear:left;\">34<span class=\"_ _8b\"> </span><span class=\"ls0 ws0\">4<span class=\"_ _17\"> </span><span class=\"lsf wsf\">62<span class=\"_ _14\"> </span></span>100<span class=\"_ _d6\"> </span>Tilgang i \u00e5re<span class=\"_ _1\"></span>t<span class=\"_ _2c7\"> </span><span class=\"ls9 ws9\">35<span class=\"_ _95\"> </span></span>4<span class=\"_ _98\"> </span><span class=\"ls6b wsc3\">67<span class=\"_ _12\"> </span></span>106</span></span><span style=\"display:inherit;clear:left;\">0<span class=\"_ _8b\"> </span>0<span class=\"_ _96\"> </span>6<span class=\"_ _97\"> </span>6<span class=\"_ _d6\"> </span>Av<span class=\"_ _1\"></span>gang i \u00e5r<span class=\"_ _1\"></span>e<span class=\"_ _1\"></span>t<span class=\"_ _2c8\"> </span>0<span class=\"_ _4a\"> </span>0<span class=\"_ _9a\"> </span>6<span class=\"_ _68\"> </span>6</span><span style=\"display:inherit;clear:left;\">23<span class=\"_ _9a\"> </span><span class=\"ls0 ws0\">0<span class=\"_ _78\"> </span><span class=\"ls6b wsc3\">67<span class=\"_ _8b\"> </span><span class=\"ls135 ws1e2\">89<span class=\"_ _53\"> </span></span></span>\u00c5rets a<span class=\"_ _2\"></span>vskrivninger<span class=\"_ _227\"> </span><span class=\"ls4a ws9d\">24<span class=\"_ _a1\"> </span></span>0<span class=\"_ _16\"> </span>71<span class=\"_ _21a\"> </span><span class=\"ls133 ws1e0\">95</span></span></span><span style=\"display:inherit;clear:left;\">92<span class=\"_ _9a\"> </span></span><span style=\"display:inherit;clear:left;\">6<span class=\"_ _5d\"> </span><span class=\"ls126 ws1d0\">531<span class=\"_ _72\"> </span><span class=\"ls139 ws1e6\">629<span class=\"_ _53\"> </span></span></span>Balansef<span class=\"_ _1\"></span>\u00f8rt v<span class=\"_ _1\"></span>er<span class=\"_ _1\"></span>di pr<span class=\"_ _0\"></span>. 31/12-2<span class=\"_ _1\"></span>0<span class=\"_ _1\"></span>22<span class=\"_ _14\"> </span><span class=\"ls108 ws16a\">95<span class=\"_ _a1\"> </span></span>6<span class=\"_ _65\"> </span><span class=\"lsf wsf\">555<span class=\"_ _74\"> </span>655</span></span><span style=\"display:inherit;clear:left;\">Pr<span class=\"_ _2\"></span>. 31/12<span class=\"_ _1\"></span>-<span class=\"_ _1\"></span>20<span class=\"_ _1\"></span>22</span><span style=\"display:inherit;clear:left;\">231<span class=\"_ _10\"> </span><span class=\"ls0 ws0\">6<span class=\"_ _93\"> </span></span>531<span class=\"_ _14\"> </span></span><span style=\"display:inherit;clear:left;\">768<span class=\"_ _2c9\"> </span></span><span style=\"display:inherit;clear:left;\">Anska<span class=\"_ _1\"></span>ff<span class=\"_ _1\"></span>elsesk<span class=\"_ _1\"></span>ost <span class=\"_ _225\"> </span><span class=\"ls136 ws1e3\">239<span class=\"_ _a1\"> </span></span>6<span class=\"_ _65\"> </span><span class=\"ls9 ws9\">555<span class=\"_ _93\"> </span><span class=\"lsfc ws15e\">79<span class=\"_ _8\"></span>9</span></span></span><span style=\"display:inherit;clear:left;\">139<span class=\"_ _9a\"> </span><span class=\"ls0 ws0\">0<span class=\"_ _66\"> </span>0<span class=\"_ _17\"> </span></span>139<span class=\"_ _53\"> </span><span class=\"ls0 ws0\">Akkumulerte a<span class=\"_ _1\"></span>v<span class=\"_ _1\"></span>skrivninger<span class=\"_ _b2\"> </span><span class=\"ls82 ws14b\">145<span class=\"_ _4a\"> </span></span>0<span class=\"_ _9a\"> </span>0<span class=\"_ _72\"> </span><span class=\"ls82 ws14b\">145</span></span></span><span style=\"display:inherit;clear:left;\">92<span class=\"_ _9a\"> </span></span><span style=\"display:inherit;clear:left;\">6<span class=\"_ _5d\"> </span><span class=\"ls126 ws1d0\">531<span class=\"_ _72\"> </span><span class=\"ls139 ws1e6\">629<span class=\"_ _53\"> </span></span></span>Balansef<span class=\"_ _1\"></span>\u00f8rt v<span class=\"_ _1\"></span>er<span class=\"_ _1\"></span>di pr<span class=\"_ _0\"></span>. 31/12-2<span class=\"_ _1\"></span>0<span class=\"_ _1\"></span>22<span class=\"_ _14\"> </span><span class=\"ls108 ws16a\">95<span class=\"_ _a1\"> </span></span>6<span class=\"_ _65\"> </span><span class=\"lsf wsf\">555<span class=\"_ _74\"> </span>655</span></span><span style=\"display:inherit;clear:left;\">Regnskaps\u00e5r<span class=\"_ _1\"></span>e<span class=\"_ _1\"></span>t 20<span class=\"_ _1\"></span>23</span><span style=\"display:inherit;clear:left;\">92<span class=\"_ _10\"> </span></span><span style=\"display:inherit;clear:left;\">6<span class=\"_ _93\"> </span><span class=\"ls126 ws1d0\">531<span class=\"_ _12\"> </span><span class=\"ls125 ws1cf\">629<span class=\"_ _53\"> </span></span></span>Balansef<span class=\"_ _1\"></span>\u00f8rt v<span class=\"_ _1\"></span>er<span class=\"_ _1\"></span>di pr<span class=\"_ _2\"></span>. 1/1-2<span class=\"_ _1\"></span>0<span class=\"_ _1\"></span>23<span class=\"_ _116\"> </span><span class=\"ls133 ws1e0\">95<span class=\"_ _68\"> </span></span>6<span class=\"_ _65\"> </span><span class=\"ls9 ws9\">555<span class=\"_ _74\"> </span>655</span></span><span style=\"display:inherit;clear:left;\">36<span class=\"_ _9a\"> </span><span class=\"ls0 ws0\">0<span class=\"_ _78\"> </span><span class=\"ls140 ws1ee\">74<span class=\"_ _3e\"> </span></span>110<span class=\"_ _d6\"> </span>Tilgang i \u00e5re<span class=\"_ _1\"></span>t<span class=\"_ _260\"> </span><span class=\"ls61 wsb5\">37<span class=\"_ _68\"> </span></span>0<span class=\"_ _98\"> </span><span class=\"ls31 ws81\">75<span class=\"_ _75\"> </span></span>111</span></span><span style=\"display:inherit;clear:left;\">0<span class=\"_ _9a\"> </span>6<span class=\"_ _66\"> </span>0<span class=\"_ _97\"> </span>6<span class=\"_ _d6\"> </span>Av<span class=\"_ _1\"></span>gang i \u00e5r<span class=\"_ _1\"></span>e<span class=\"_ _1\"></span>t<span class=\"_ _2c8\"> </span>0<span class=\"_ _a1\"> </span>6<span class=\"_ _9a\"> </span>0<span class=\"_ _a1\"> </span>6</span><span style=\"display:inherit;clear:left;\">25<span class=\"_ _9a\"> </span></span><span style=\"display:inherit;clear:left;\">0<span class=\"_ _78\"> </span><span class=\"ls137 ws1e4\">72<span class=\"_ _92\"> </span><span class=\"ls6 ws6\">97<span class=\"_ _2c9\"> </span></span></span>\u00c5re<span class=\"_ _1\"></span>ts a<span class=\"_ _1\"></span>v<span class=\"_ _1\"></span>skrivninger<span class=\"_ _2ca\"> </span><span class=\"ls125 ws1cf\">26<span class=\"_ _a1\"> </span></span>0<span class=\"_ _98\"> </span><span class=\"ls12f ws1d9\">73<span class=\"_ _3e\"> </span><span class=\"ls82 ws14b\">99</span></span></span><span style=\"display:inherit;clear:left;\">102<span class=\"_ _9a\"> </span></span><span style=\"display:inherit;clear:left;\">0<span class=\"_ _86\"> </span><span class=\"ls82 ws14b\">53<span class=\"_ _8\"></span>4<span class=\"_ _1b\"> </span><span class=\"ls135 ws1e2\">6<span class=\"_ _8\"></span>36<span class=\"_ _53\"> </span></span></span>Balansef<span class=\"_ _1\"></span>\u00f8rt v<span class=\"_ _1\"></span>er<span class=\"_ _1\"></span>di pr<span class=\"_ _0\"></span>. 31/12-<span class=\"_ _1\"></span>20<span class=\"_ _1\"></span>23<span class=\"_ _6e\"> </span><span class=\"ls108 ws16a\">1<span class=\"_ _8\"></span>05<span class=\"_ _4a\"> </span></span>0<span class=\"_ _189\"> </span><span class=\"ls82 ws14b\">556<span class=\"_ _94\"> </span><span class=\"ls120 ws1cb\">660</span></span></span><span style=\"display:inherit;clear:left;\">Pr<span class=\"_ _2\"></span>. 31/12<span class=\"_ _1\"></span>-<span class=\"_ _1\"></span>20<span class=\"_ _1\"></span>23</span><span style=\"display:inherit;clear:left;\">266<span class=\"_ _9a\"> </span></span><span style=\"display:inherit;clear:left;\">0<span class=\"_ _108\"> </span><span class=\"ls120 ws1cb\">534<span class=\"_ _14\"> </span><span class=\"lsfc ws15e\">799<span class=\"_ _53\"> </span></span></span>Anskaff<span class=\"_ _1\"></span>elsesk<span class=\"_ _1\"></span>ost <span class=\"_ _225\"> </span><span class=\"ls13 ws13\">275<span class=\"_ _68\"> </span></span>0<span class=\"_ _65\"> </span><span class=\"ls82 ws14b\">556<span class=\"_ _14\"> </span><span class=\"ls126 ws1d0\">831</span></span></span><span style=\"display:inherit;clear:left;\">164<span class=\"_ _8b\"> </span>0<span class=\"_ _66\"> </span>0<span class=\"_ _98\"> </span>164<span class=\"_ _d6\"> </span>Akkumulerte av<span class=\"_ _1\"></span>skrivninger<span class=\"_ _114\"> </span>171<span class=\"_ _95\"> </span>0<span class=\"_ _9a\"> </span>0<span class=\"_ _17\"> </span>171</span><span style=\"display:inherit;clear:left;\">102<span class=\"_ _9a\"> </span></span><span style=\"display:inherit;clear:left;\">0<span class=\"_ _86\"> </span><span class=\"ls82 ws14b\">53<span class=\"_ _8\"></span>4<span class=\"_ _1b\"> </span><span class=\"ls135 ws1e2\">6<span class=\"_ _8\"></span>36<span class=\"_ _53\"> </span></span></span>Balansef<span class=\"_ _1\"></span>\u00f8rt v<span class=\"_ _1\"></span>er<span class=\"_ _1\"></span>di pr<span class=\"_ _0\"></span>. 31/12-<span class=\"_ _1\"></span>20<span class=\"_ _1\"></span>23<span class=\"_ _6f\"> </span><span class=\"ls13b ws1e8\">104<span class=\"_ _a1\"> </span></span>0<span class=\"_ _189\"> </span><span class=\"ls82 ws14b\">556<span class=\"_ _94\"> </span><span class=\"ls120 ws1cb\">660</span></span></span><span style=\"display:inherit;clear:left;\">Prosen<span class=\"_ _1\"></span>tsa<span class=\"_ _1\"></span>ts f<span class=\"_ _1\"></span>or r<span class=\"_ _1\"></span>egnskaps<span class=\"_ _1\"></span>-</span><span style=\"display:inherit;clear:left;\">10\u201333 %<span class=\"_ _a5\"> </span>0\u2013<span class=\"_ _1\"></span>10 %<span class=\"_ _a5\"> </span>5\u20135<span class=\"_ _1\"></span>0 %</span><span style=\"display:inherit;clear:left;\">messige a<span class=\"_ _2\"></span>vskrivninger<span class=\"_ _b2\"> </span>10\u2013<span class=\"_ _1\"></span>33 %<span class=\"_ _a8\"> </span>0\u2013<span class=\"_ _1\"></span>10 %<span class=\"_ _5a\"> </span>5\u201350 %</span><span style=\"display:inherit;clear:left;\">No<span class=\"_ _1\"></span>te 35 Leief<span class=\"_ _c\"></span>or<span class=\"_ _8\"></span>plik<span class=\"_ _8\"></span>tel<span class=\"_ _1\"></span>ser </span><span style=\"display:inherit;clear:left;\">En k<span class=\"_ _1\"></span>ontrakt er<span class=\"_ _1\"></span> eller inneholder en<span class=\"_ _1\"></span> leiea<span class=\"_ _1\"></span>vtale dersom kon<span class=\"_ _1\"></span>trakten o<span class=\"_ _1\"></span>verf\u00f8r<span class=\"_ _1\"></span>er re<span class=\"_ _1\"></span>tten til<span class=\"_ _1\"></span> \u00e5 ha k<span class=\"_ _1\"></span>ontr<span class=\"_ _1\"></span>oll med bruk<span class=\"_ _1\"></span>en a<span class=\"_ _1\"></span>v<span class=\"_ _1\"></span> en identifisert </span><span style=\"display:inherit;clear:left;\">eiendel i en<span class=\"_ _1\"></span> periode i b<span class=\"_ _1\"></span>ytte mot v<span class=\"_ _1\"></span>ederlag. V<span class=\"_ _1\"></span>ed inng\u00e5<span class=\"_ _1\"></span>else a<span class=\"_ _1\"></span>v en<span class=\"_ _1\"></span> leiekontr<span class=\"_ _1\"></span>akt innregner<span class=\"_ _1\"></span> konsernet<span class=\"_ _1\"></span> en bruksr<span class=\"_ _1\"></span>ettseiendel og en<span class=\"_ _1\"></span> </span><span style=\"display:inherit;clear:left;\">leieforpliktelse. P<span class=\"_ _1\"></span>\u00e5 innr<span class=\"_ _1\"></span>egningstidspunktet m\u00e5les<span class=\"_ _1\"></span> leieforpliktelsen ti<span class=\"_ _1\"></span>l n\u00e5<span class=\"_ _1\"></span>ver<span class=\"_ _1\"></span>dien a<span class=\"_ _1\"></span>v leiebetaling<span class=\"_ _1\"></span>en o<span class=\"_ _1\"></span>ver a<span class=\"_ _1\"></span>vtalt leietid,<span class=\"_ _1\"></span> hv<span class=\"_ _1\"></span>or </span><span style=\"display:inherit;clear:left;\">leiebetalingene neddisk<span class=\"_ _1\"></span>onter<span class=\"_ _1\"></span>es med leiea<span class=\"_ _1\"></span>vtalens implisitte r<span class=\"_ _1\"></span>ent<span class=\"_ _1\"></span>e dersom den<span class=\"_ _1\"></span>ne lett kan<span class=\"_ _1\"></span> fastsettes. E<span class=\"_ _1\"></span>llers ben<span class=\"_ _1\"></span>yttes marginale </span><span style=\"display:inherit;clear:left;\">l\u00e5nerent<span class=\"_ _1\"></span>e.</span><span style=\"display:inherit;clear:left;\">P\u00e5 innr<span class=\"_ _1\"></span>egningstidspunk<span class=\"_ _8\"></span>tet m\u00e5les bruksr<span class=\"_ _1\"></span>ettseiendelen til anskaffelseskost som se<span class=\"_ _1\"></span>ttes lik leieforpliktelsen.</span><span style=\"display:inherit;clear:left;\">V<span class=\"_ _1\"></span>ed etterf\u00f8lg<span class=\"_ _1\"></span>ende m\u00e5linger<span class=\"_ _1\"></span> skal leief<span class=\"_ _1\"></span>orpliktelsen r<span class=\"_ _1\"></span>eduseres med<span class=\"_ _1\"></span> betalt leie og<span class=\"_ _1\"></span> \u00f8kes med<span class=\"_ _1\"></span> beregnede ren<span class=\"_ _1\"></span>ter<span class=\"_ _2\"></span>. Bruksr<span class=\"_ _1\"></span>etteiendelen </span><span style=\"display:inherit;clear:left;\">avskri<span class=\"_ _8\"></span>ves i tr\u00e5d m<span class=\"_ _8\"></span>ed kravene i I<span class=\"_ _8\"></span>AS 16 o<span class=\"_ _8\"></span>g m\u00e5le<span class=\"_ _8\"></span>s p\u00e5 ny<span class=\"_ _8\"></span>tt d<span class=\"_ _8\"></span>erso<span class=\"_ _8\"></span>m be<span class=\"_ _8\"></span>stemte h<span class=\"_ _8\"></span>end<span class=\"_ _8\"></span>els<span class=\"_ _8\"></span>er inn<span class=\"_ _8\"></span>treffe<span class=\"_ _8\"></span>r<span class=\"_ _2\"></span>. Eks<span class=\"_ _8\"></span>emp<span class=\"_ _8\"></span>el p\u00e5 s<span class=\"_ _8\"></span>like he<span class=\"_ _8\"></span>nde<span class=\"_ _8\"></span>lse<span class=\"_ _8\"></span>r er </span><span style=\"display:inherit;clear:left;\">endring i leieperiode el<span class=\"_ _1\"></span>ler endring i<span class=\"_ _1\"></span> variabel<span class=\"_ _1\"></span> leie som f<span class=\"_ _1\"></span>\u00f8lge a<span class=\"_ _1\"></span>v<span class=\"_ _1\"></span> endringer i<span class=\"_ _1\"></span> en indeks<span class=\"_ _1\"></span> eller sa<span class=\"_ _1\"></span>ts.  Standarden<span class=\"_ _1\"></span> har f<span class=\"_ _1\"></span>\u00f8rst og<span class=\"_ _1\"></span> fremst<span class=\"_ _1\"></span> </span><span style=\"display:inherit;clear:left;\">anv<span class=\"_ _1\"></span>endelse knyttet<span class=\"_ _1\"></span> til innleie<span class=\"_ _1\"></span> av<span class=\"_ _1\"></span> kon<span class=\"_ _1\"></span>torlokaler<span class=\"_ _2\"></span>.</span><span style=\"display:inherit;clear:left;\">Konsernet<span class=\"_ _1\"></span> har ogs\u00e5<span class=\"_ _1\"></span> fremleiek<span class=\"_ _1\"></span>ontr<span class=\"_ _1\"></span>akter til ju<span class=\"_ _1\"></span>ridiske<span class=\"_ _1\"></span> enheter<span class=\"_ _1\"></span> utenf<span class=\"_ _1\"></span>or k<span class=\"_ _1\"></span>onsernet. Her<span class=\"_ _1\"></span> blir det<span class=\"_ _1\"></span> vurdert om f<span class=\"_ _1\"></span>remleien<span class=\"_ _1\"></span> er operasjonell<span class=\"_ _1\"></span> </span><span style=\"display:inherit;clear:left;\">ell<span class=\"_ _8\"></span>er fi<span class=\"_ _8\"></span>nans<span class=\"_ _8\"></span>iell<span class=\"_ _8\"></span>. De f<span class=\"_ _8\"></span>les<span class=\"_ _8\"></span>te avt<span class=\"_ _8\"></span>ale<span class=\"_ _8\"></span>r er vurd<span class=\"_ _8\"></span>er<span class=\"_ _8\"></span>t \u00e5 v\u00e6re fi<span class=\"_ _8\"></span>nans<span class=\"_ _8\"></span>iell l<span class=\"_ _8\"></span>eie d<span class=\"_ _8\"></span>a lei<span class=\"_ _8\"></span>eavt<span class=\"_ _8\"></span>ale<span class=\"_ _8\"></span>ne i det ve<span class=\"_ _8\"></span>sen<span class=\"_ _8\"></span>tlige ove<span class=\"_ _8\"></span>rf\u00f8<span class=\"_ _8\"></span>rer all<span class=\"_ _8\"></span>e ris<span class=\"_ _8\"></span>ikoer o<span class=\"_ _8\"></span>g forde<span class=\"_ _8\"></span>ler </span><span style=\"display:inherit;clear:left;\">som er f<span class=\"_ _1\"></span>orbundet med<span class=\"_ _1\"></span> eiendelen. F<span class=\"_ _1\"></span>or disse<span class=\"_ _1\"></span> kontr<span class=\"_ _1\"></span>aktene r<span class=\"_ _1\"></span>eduseres bruks<span class=\"_ _1\"></span>rettseiendelen og<span class=\"_ _1\"></span> erstattes a<span class=\"_ _1\"></span>v<span class=\"_ _1\"></span> en f<span class=\"_ _1\"></span>ordring<span class=\"_ _1\"></span> mot leietak<span class=\"_ _1\"></span>er </span><span style=\"display:inherit;clear:left;\">som reduser<span class=\"_ _1\"></span>es v<span class=\"_ _1\"></span>ed leiebetalinger<span class=\"_ _0\"></span>. </span><span style=\"display:inherit;clear:left;\">I balansen blir<span class=\"_ _1\"></span> bruksr<span class=\"_ _1\"></span>ettseiendelen klassifisert under linjen f<span class=\"_ _1\"></span>or v<span class=\"_ _1\"></span>arige dri<span class=\"_ _1\"></span>ftsmidler og leief<span class=\"_ _1\"></span>orpliktelsen som annen<span class=\"_ _1\"></span> g<span class=\"_ _8\"></span>jeld. I </span><span style=\"display:inherit;clear:left;\">resulta<span class=\"_ _1\"></span>tregnskapet bli<span class=\"_ _1\"></span>r a<span class=\"_ _1\"></span>vskrivning<span class=\"_ _1\"></span> p\u00e5 bruksr<span class=\"_ _1\"></span>ettseiendelen klassifisert som a<span class=\"_ _1\"></span>vskrivning<span class=\"_ _1\"></span> og ren<span class=\"_ _1\"></span>te p\u00e5<span class=\"_ _1\"></span> leief<span class=\"_ _1\"></span>orpliktelsen blir </span><span style=\"display:inherit;clear:left;\">kla<span class=\"_ _8\"></span>ssi<span class=\"_ _8\"></span>fis<span class=\"_ _8\"></span>er<span class=\"_ _8\"></span>t som re<span class=\"_ _8\"></span>ntekost<span class=\"_ _8\"></span>nad og s<span class=\"_ _8\"></span>\u00e5le<span class=\"_ _8\"></span>de<span class=\"_ _8\"></span>s bli<span class=\"_ _8\"></span>r en del av ba<span class=\"_ _8\"></span>nkens re<span class=\"_ _8\"></span>ntenet<span class=\"_ _8\"></span>to. </span><span style=\"display:inherit;clear:left;\">Rent<span class=\"_ _8\"></span>esat<span class=\"_ _8\"></span>s beny<span class=\"_ _8\"></span>tte<span class=\"_ _8\"></span>t ved ne<span class=\"_ _8\"></span>ddis<span class=\"_ _8\"></span>konter<span class=\"_ _8\"></span>ing av forp<span class=\"_ _8\"></span>lik<span class=\"_ _8\"></span>tel<span class=\"_ _8\"></span>sen l<span class=\"_ _8\"></span>ig<span class=\"_ _8\"></span>ger m<span class=\"_ _8\"></span>ello<span class=\"_ _8\"></span>m 2,0 % og 5,0 % avhe<span class=\"_ _8\"></span>ng<span class=\"_ _8\"></span>ig av l\u00f8p<span class=\"_ _8\"></span>eti<span class=\"_ _8\"></span>den p<span class=\"_ _8\"></span>\u00e5 de res<span class=\"_ _8\"></span>pek<span class=\"_ _8\"></span>ti<span class=\"_ _8\"></span>ve </span><span style=\"display:inherit;clear:left;\">kontr<span class=\"_ _1\"></span>akter<span class=\"_ _2\"></span>. Benyttede r<span class=\"_ _1\"></span>entesatser<span class=\"_ _1\"></span> g<span class=\"_ _8\"></span>jenspeiler konserne<span class=\"_ _1\"></span>ts marginale fu<span class=\"_ _1\"></span>ndingrente<span class=\"_ _1\"></span> p\u00e5 senior<span class=\"_ _1\"></span>g<span class=\"_ _8\"></span>jeld p\u00e5 implementeri<span class=\"_ _1\"></span>ngstidspunktet.</span><span style=\"display:inherit;clear:left;\">Op<span class=\"_ _8\"></span>sjon<span class=\"_ _8\"></span>er om fo<span class=\"_ _8\"></span>rle<span class=\"_ _8\"></span>ngels<span class=\"_ _8\"></span>e av leie<span class=\"_ _8\"></span>avt<span class=\"_ _8\"></span>ale er v<span class=\"_ _8\"></span>urde<span class=\"_ _8\"></span>rt s<span class=\"_ _8\"></span>lik at de<span class=\"_ _8\"></span>r hvor rest l<span class=\"_ _8\"></span>\u00f8pe<span class=\"_ _8\"></span>tid e<span class=\"_ _8\"></span>r mer e<span class=\"_ _8\"></span>nn 1 \u00e5r<span class=\"_ _1\"></span>,  er det over<span class=\"_ _8\"></span>veie<span class=\"_ _8\"></span>nde s<span class=\"_ _8\"></span>ann<span class=\"_ _8\"></span>synli<span class=\"_ _8\"></span>g at </span><span style=\"display:inherit;clear:left;\">ops<span class=\"_ _8\"></span>jon<span class=\"_ _8\"></span>en ikke b<span class=\"_ _8\"></span>lir b<span class=\"_ _8\"></span>enyt<span class=\"_ _8\"></span>tet<span class=\"_ _8\"></span>. Det<span class=\"_ _8\"></span>te be<span class=\"_ _8\"></span>gru<span class=\"_ _8\"></span>nne<span class=\"_ _8\"></span>s med at d<span class=\"_ _8\"></span>en tek<span class=\"_ _8\"></span>nol<span class=\"_ _8\"></span>og<span class=\"_ _8\"></span>iske ut<span class=\"_ _8\"></span>vik<span class=\"_ _8\"></span>linge<span class=\"_ _8\"></span>n i brans<span class=\"_ _8\"></span>jen t<span class=\"_ _8\"></span>ilsi<span class=\"_ _8\"></span>er at vir<span class=\"_ _8\"></span>ksom<span class=\"_ _8\"></span>heten b<span class=\"_ _8\"></span>lir m<span class=\"_ _8\"></span>indre </span><span style=\"display:inherit;clear:left;\"><span><span style=\"display:inherit;clear:left;\">area<span class=\"_ _8\"></span>lkreven<span class=\"_ _8\"></span>de og at d<span class=\"_ _8\"></span>et da vi<span class=\"_ _8\"></span>l bli fram<span class=\"_ _8\"></span>forha<span class=\"_ _8\"></span>ndl<span class=\"_ _8\"></span>et kontrak<span class=\"_ _8\"></span>te<span class=\"_ _8\"></span>r om min<span class=\"_ _8\"></span>dre are<span class=\"_ _8\"></span>al.</span></span> </span><span style=\"display:inherit;clear:left;\">BALANSEPOS<span class=\"_ _1\"></span>TER</span><span style=\"display:inherit;clear:left;\">MORBANK<span class=\"_ _2cb\"> </span>K<span class=\"_ _1\"></span>ONSERN</span><span style=\"display:inherit;clear:left;\">31/12<span class=\"_ _1\"></span>-22<span class=\"_ _10e\"> </span>31/12<span class=\"_ _1\"></span>-2<span class=\"_ _1\"></span>3<span class=\"_ _b9\"> </span>Bruksre<span class=\"_ _1\"></span>ttseiendel<span class=\"_ _1f9\"> </span><span class=\"ls138 ws1e5\">Note<span class=\"_ _a5\"> </span></span>3<span class=\"_ _1\"></span>1/12-<span class=\"_ _1\"></span>23<span class=\"_ _10e\"> </span>31/12<span class=\"_ _1\"></span>-22</span><span style=\"display:inherit;clear:left;\">542<span class=\"_ _14\"> </span></span><span style=\"display:inherit;clear:left;\">531<span class=\"_ _11a\"> </span></span><span style=\"display:inherit;clear:left;\">Inng\u00e5ende balanse<span class=\"_ _2cc\"> </span><span class=\"ls9 ws9\">555<span class=\"_ _5d\"> </span><span class=\"ls82 ws14b\">565</span></span></span><span style=\"display:inherit;clear:left;\">28<span class=\"_ _91\"> </span></span><span style=\"display:inherit;clear:left;\">37<span class=\"_ _b8\"> </span></span><span style=\"display:inherit;clear:left;\">Endringer som f<span class=\"_ _1\"></span>\u00f8lg<span class=\"_ _1\"></span>e a<span class=\"_ _1\"></span>v KPI jus<span class=\"_ _1\"></span>tert leie<span class=\"_ _1bd\"> </span><span class=\"ls139 ws1e6\">38<span class=\"_ _9a\"> </span><span class=\"ls126 ws1d0\">31</span></span></span><span style=\"display:inherit;clear:left;\">34<span class=\"_ _75\"> </span></span><span style=\"display:inherit;clear:left;\">37<span class=\"_ _b8\"> </span></span><span style=\"display:inherit;clear:left;\">Nye k<span class=\"_ _1\"></span>on<span class=\"_ _1\"></span>trakt<span class=\"_ _1\"></span>er<span class=\"_ _2cd\"> </span><span class=\"ls61 wsb5\">37<span class=\"_ _8d\"> </span><span class=\"ls120 ws1cb\">34</span></span></span><span style=\"display:inherit;clear:left;\">-67<span class=\"_ _17\"> </span></span><span style=\"display:inherit;clear:left;\">-7<span class=\"_ _a\"></span>2<span class=\"_ _b8\"> </span></span><span style=\"display:inherit;clear:left;\">Avskrivning<span class=\"_ _1\"></span>er<span class=\"_ _2b4\"> </span><span class=\"ls134 ws1e1\">-7<span class=\"_ _8\"></span>3<span class=\"_ _98\"> </span><span class=\"ls138 ws1e5\">-<span class=\"_ _8\"></span>69</span></span></span><span style=\"display:inherit;clear:left;\">-6<span class=\"_ _4a\"> </span>0<span class=\"_ _11a\"> </span>A<span class=\"_ _1\"></span>vg<span class=\"_ _1\"></span>ang leiekon<span class=\"_ _1\"></span>tr<span class=\"_ _1\"></span>akter<span class=\"_ _2ce\"> </span>0<span class=\"_ _9a\"> </span>-6</span><span style=\"display:inherit;clear:left;\">531<span class=\"_ _94\"> </span></span><span style=\"display:inherit;clear:left;\">534<span class=\"_ _11a\"> </span></span><span style=\"display:inherit;clear:left;\">Utg\u00e5ende balanse bruksre<span class=\"_ _1\"></span>t<span class=\"_ _1\"></span>tseiendel<span class=\"_ _7e\"> </span></span><span style=\"display:inherit;clear:left;\">34<span class=\"_ _98\"> </span><span class=\"ff1 ls82 ws14b\">556<span class=\"_ _5d\"> </span><span class=\"lsf wsf\">555</span></span></span><span style=\"display:inherit;clear:left;\">Aktivering a<span class=\"_ _2\"></span>v finansiell fordring kn<span class=\"_ _1\"></span>yt<span class=\"_ _1\"></span>te<span class=\"_ _1\"></span>t til finansiell fr<span class=\"_ _1\"></span>emleie<span class=\"_ _11e\"> </span><span class=\"ls125 ws1cf\">26<span class=\"_ _8\"></span>4<span class=\"_ _93\"> </span>263</span></span><span style=\"display:inherit;clear:left;\">Leief<span class=\"_ _1\"></span>orplikt<span class=\"_ _1\"></span>else</span><span style=\"display:inherit;clear:left;\">558<span class=\"_ _93\"> </span></span><span style=\"display:inherit;clear:left;\">552<span class=\"_ _b8\"> </span></span><span style=\"display:inherit;clear:left;\">Inng\u00e5<span class=\"_ _1\"></span>ende balanse<span class=\"_ _2cc\"> </span><span class=\"ls136 ws1e3\">8<span class=\"_ _8\"></span>39<span class=\"_ _5d\"> </span><span class=\"ls21 ws175\">85<span class=\"_ _8\"></span>3</span></span></span><span style=\"display:inherit;clear:left;\">28<span class=\"_ _91\"> </span></span><span style=\"display:inherit;clear:left;\">37<span class=\"_ _b8\"> </span></span><span style=\"display:inherit;clear:left;\">Endringer som f<span class=\"_ _1\"></span>\u00f8lg<span class=\"_ _1\"></span>e a<span class=\"_ _1\"></span>v KPI jus<span class=\"_ _1\"></span>tert leie<span class=\"_ _1bd\"> </span><span class=\"ls31 ws81\">57<span class=\"_ _10\"> </span><span class=\"ls126 ws1d0\">31</span></span></span><span style=\"display:inherit;clear:left;\">34<span class=\"_ _75\"> </span></span><span style=\"display:inherit;clear:left;\">37<span class=\"_ _b8\"> </span></span><span style=\"display:inherit;clear:left;\">Nye k<span class=\"_ _1\"></span>on<span class=\"_ _1\"></span>trakt<span class=\"_ _1\"></span>er<span class=\"_ _2cd\"> </span><span class=\"ls61 wsb5\">37<span class=\"_ _8d\"> </span><span class=\"ls120 ws1cb\">34</span></span></span><span style=\"display:inherit;clear:left;\">-7<span class=\"_ _a\"></span>7<span class=\"_ _11\"> </span></span><span style=\"display:inherit;clear:left;\">-<span class=\"_ _8\"></span>82<span class=\"_ _11a\"> </span><span class=\"ls0 ws0\">Husleiebetalinger<span class=\"_ _156\"> </span><span class=\"ls6 ws6\">-1<span class=\"_ _8\"></span>0<span class=\"_ _8\"></span>3<span class=\"_ _14\"> </span></span>-88</span></span><span style=\"display:inherit;clear:left;\">15<span class=\"_ _8b\"> </span>15<span class=\"_ _11a\"> </span>Kapitalisert ren<span class=\"_ _1\"></span>te<span class=\"_ _1a2\"> </span>15<span class=\"_ _e9\"> </span>16</span><span style=\"display:inherit;clear:left;\">-6<span class=\"_ _4a\"> </span>0<span class=\"_ _11a\"> </span>A<span class=\"_ _1\"></span>vg<span class=\"_ _1\"></span>ang leiekon<span class=\"_ _1\"></span>tr<span class=\"_ _1\"></span>akter<span class=\"_ _2ce\"> </span>0<span class=\"_ _9a\"> </span>-6</span><span style=\"display:inherit;clear:left;\">552<span class=\"_ _74\"> </span></span><span style=\"display:inherit;clear:left;\">560<span class=\"_ _11a\"> </span></span><span style=\"display:inherit;clear:left;\">Utg\u00e5ende balanse leie<span class=\"_ _1\"></span>f<span class=\"_ _1\"></span>orpliktelse<span class=\"_ _182\"> </span><span class=\"ff1 ls82 ws14b\">845<span class=\"_ _5d\"> </span><span class=\"ls8 ws8\">839</span></span></span><span style=\"display:inherit;clear:left;\">F<span class=\"_ _1\"></span>ORF<span class=\"_ _2\"></span>ALLSSTR<span class=\"_ _1\"></span>UKTUR P<span class=\"_ _2\"></span>\u00c5 LEIEFORPLIKTELSEN (UDISK<span class=\"_ _1\"></span>ONTERT)</span><span style=\"display:inherit;clear:left;\">MORBANK<span class=\"_ _2d0\"> </span>K<span class=\"_ _1\"></span>ONSERN</span><span style=\"display:inherit;clear:left;\">31/12<span class=\"_ _1\"></span>-22<span class=\"_ _10e\"> </span>31/12<span class=\"_ _1\"></span>-2<span class=\"_ _1\"></span>3<span class=\"_ _2d1\"> </span>31/12<span class=\"_ _1\"></span>-2<span class=\"_ _1\"></span>3<span class=\"_ _19\"> </span>31/12-<span class=\"_ _1\"></span>22</span><span style=\"display:inherit;clear:left;\">1<span class=\"_ _8\"></span>97<span class=\"_ _14\"> </span></span><span style=\"display:inherit;clear:left;\">212<span class=\"_ _11a\"> </span>Mi<span class=\"_ _8\"></span>ndre en<span class=\"_ _8\"></span>n 3 \u00e5r<span class=\"_ _2d2\"> </span><span class=\"ls6b wsc3\">267<span class=\"_ _18\"> </span><span class=\"ls125 ws1cf\">26<span class=\"_ _8\"></span>6</span></span></span><span style=\"display:inherit;clear:left;\">108<span class=\"_ _17\"> </span></span><span style=\"display:inherit;clear:left;\">112<span class=\"_ _11a\"> </span>3-5 \u00e5r<span class=\"_ _236\"> </span><span class=\"ls108 ws16a\">194<span class=\"_ _21a\"> </span><span class=\"lsfc ws15e\">1<span class=\"_ _8\"></span>79</span></span></span><span style=\"display:inherit;clear:left;\">334<span class=\"_ _93\"> </span></span><span style=\"display:inherit;clear:left;\">322<span class=\"_ _b8\"> </span></span><span style=\"display:inherit;clear:left;\">Leng<span class=\"_ _1\"></span>er enn 5 \u00e5r<span class=\"_ _290\"> </span><span class=\"ls82 ws14b\">509<span class=\"_ _14\"> </span><span class=\"ls133 ws1e0\">5<span class=\"_ _8\"></span>54</span></span></span><span style=\"display:inherit;clear:left;\">639<span class=\"_ _94\"> </span></span><span style=\"display:inherit;clear:left;\">646<span class=\"_ _11a\"> </span></span><span style=\"display:inherit;clear:left;\">Sum leieforplikt<span class=\"_ _1\"></span>else<span class=\"_ _1e1\"> </span><span class=\"ls61 wsb5\">970<span class=\"_ _98\"> </span><span class=\"ls62 wsb6\">999</span></span></span><span style=\"display:inherit;clear:left;\">RESUL<span class=\"_ _0\"></span>T<span class=\"_ _2\"></span>A<span class=\"_ _1\"></span>TPOS<span class=\"_ _1\"></span>TER</span><span style=\"display:inherit;clear:left;\">MORBANK<span class=\"_ _2d0\"> </span>K<span class=\"_ _1\"></span>ONSERN</span><span style=\"display:inherit;clear:left;\">2022<span class=\"_ _83\"> </span>202<span class=\"_ _8\"></span>3<span class=\"_ _11a\"> </span></span><span style=\"display:inherit;clear:left;\">A<span class=\"_ _1\"></span>vskrivning<span class=\"_ _1\"></span>er og r<span class=\"_ _1\"></span>en<span class=\"_ _1\"></span>tek<span class=\"_ _1\"></span>os<span class=\"_ _1\"></span>tnad<span class=\"_ _2d3\"> </span><span class=\"lsf6 ws158\">2023<span class=\"_ _86\"> </span>202<span class=\"_ _8\"></span>2</span></span><span style=\"display:inherit;clear:left;\">67<span class=\"_ _91\"> </span></span><span style=\"display:inherit;clear:left;\">72<span class=\"_ _11a\"> </span></span><span style=\"display:inherit;clear:left;\">Avskrivning bruksr<span class=\"_ _1\"></span>ettseiendel<span class=\"_ _262\"> </span><span class=\"ls12f ws1d9\">73<span class=\"_ _66\"> </span><span class=\"ls138 ws1e5\">69</span></span></span><span style=\"display:inherit;clear:left;\">15<span class=\"_ _8b\"> </span>15<span class=\"_ _11a\"> </span>Rent<span class=\"_ _1\"></span>ekos<span class=\"_ _1\"></span>tnad p\u00e5 leie<span class=\"_ _1\"></span>f<span class=\"_ _1\"></span>orpliktelse<span class=\"_ _ff\"> </span>15<span class=\"_ _a1\"> </span>16</span><span style=\"display:inherit;clear:left;\">V<span class=\"_ _2\"></span>ariable leiekostna<span class=\"_ _1\"></span>ders som er k<span class=\"_ _1\"></span>ostna<span class=\"_ _1\"></span>dsf<span class=\"_ _1\"></span>\u00f8rt som lokalek<span class=\"_ _1\"></span>os<span class=\"_ _1\"></span>tnader</span><span style=\"display:inherit;clear:left;\">34<span class=\"_ _3e\"> </span></span><span style=\"display:inherit;clear:left;\">38<span class=\"_ _11a\"> </span></span><span style=\"display:inherit;clear:left;\">F<span class=\"_ _1\"></span>ellesk<span class=\"_ _1\"></span>ostna<span class=\"_ _1\"></span>der; str<span class=\"_ _1\"></span>\u00f8m, r<span class=\"_ _1\"></span>enhold m.m<span class=\"_ _2d4\"> </span><span class=\"ls82 ws14b\">45<span class=\"_ _9a\"> </span><span class=\"ls133 ws1e0\">40</span></span></span><span style=\"display:inherit;clear:left;\">Innr<span class=\"_ _1\"></span>egningsunntak</span><span style=\"display:inherit;clear:left;\">1<span class=\"_ _97\"> </span>1<span class=\"_ _11a\"> </span>Kostna<span class=\"_ _1\"></span>der f<span class=\"_ _1\"></span>or kortsiktige leiea<span class=\"_ _2\"></span>vtaler<span class=\"_ _2d3\"> </span>1<span class=\"_ _117\"> </span>1</span><span style=\"display:inherit;clear:left;\">1<span class=\"_ _97\"> </span>1<span class=\"_ _11a\"> </span>Kostna<span class=\"_ _1\"></span>der f<span class=\"_ _1\"></span>or uvesen<span class=\"_ _1\"></span>tlig<span class=\"_ _1\"></span>e leiea<span class=\"_ _1\"></span>vtaler<span class=\"_ _2d5\"> </span>1<span class=\"_ _117\"> </span>1</span><span style=\"display:inherit;clear:left;\">No<span class=\"_ _1\"></span>te 36 Gj<span class=\"_ _1\"></span>eld til kreditt<span class=\"_ _8\"></span>institusj<span class=\"_ _1\"></span>one<span class=\"_ _1\"></span>r</span><span style=\"display:inherit;clear:left;\">Gjeld til kr<span class=\"_ _1\"></span>edittinstitusjoner<span class=\"_ _1\"></span> er klassifisert som vur<span class=\"_ _1\"></span>dert til amortisert kost.</span><span style=\"display:inherit;clear:left;\">MORBANK<span class=\"_ _12c\"> </span><span class=\"lsc wsc\">KONSERN</span></span><span style=\"display:inherit;clear:left;\">3<span class=\"_ _8\"></span>1/<span class=\"_ _a\"></span>1<span class=\"_ _8\"></span>2-2<span class=\"_ _8\"></span>2<span class=\"_ _10e\"> </span>3<span class=\"_ _8\"></span>1<span class=\"_ _8\"></span>/<span class=\"_ _8\"></span>1<span class=\"_ _8\"></span>2-2<span class=\"_ _8\"></span>3<span class=\"_ _287\"> </span>3<span class=\"_ _8\"></span>1/<span class=\"_ _a\"></span>1<span class=\"_ _8\"></span>2-2<span class=\"_ _8\"></span>3<span class=\"_ _10e\"> </span>3<span class=\"_ _8\"></span>1<span class=\"_ _8\"></span>/<span class=\"_ _8\"></span>1<span class=\"_ _8\"></span>2-2<span class=\"_ _8\"></span>2</span><span style=\"display:inherit;clear:left;\">1 998<span class=\"_ _90\"> </span></span><span style=\"display:inherit;clear:left;\">9 099<span class=\"_ _b9\"> </span></span><span style=\"display:inherit;clear:left;\">Uten a<span class=\"_ _1\"></span>vtalt l\u00f8petid<span class=\"_ _1ae\"> </span><span class=\"ls4a ws9d\">5 4<span class=\"_ _8\"></span>24<span class=\"_ _6b\"> </span><span class=\"ls138 ws1e5\">1 525</span></span></span><span style=\"display:inherit;clear:left;\">1 5<span class=\"_ _8\"></span>70<span class=\"_ _8d\"> </span><span class=\"ls33 ws84\">30<span class=\"_ _b9\"> </span><span class=\"ls0 ws0\">M<span class=\"_ _8\"></span>ed avt<span class=\"_ _8\"></span>alt l<span class=\"_ _8\"></span>\u00f8pe<span class=\"_ _8\"></span>tid <span class=\"_ _ac\"> </span></span>30<span class=\"_ _85\"> </span></span>1 5<span class=\"_ _8\"></span>70</span><span style=\"display:inherit;clear:left;\">3 568<span class=\"_ _8a\"> </span>9 129<span class=\"_ _11a\"> </span></span><span style=\"display:inherit;clear:left;\"><span><span style=\"display:inherit;clear:left;\">Sum g<span class=\"_ _8\"></span>jeld til kr<span class=\"_ _1\"></span>edittinsti<span class=\"_ _1\"></span>tusjoner<span class=\"_ _2cf\"> </span></span></span><span class=\"ls0 ws0\"><span><span style=\"display:inherit;clear:left;\">5 454</span></span><span><span style=\"display:inherit;clear:left;\"><span class=\"_ _90\"> </span></span></span><span><span style=\"display:inherit;clear:left;\">3 095</span></span></span></span><span style=\"display:inherit;clear:left;\">Note 3<span class=\"_ _8\"></span>7 Mot<span class=\"_ _8\"></span>reg<span class=\"_ _8\"></span>n<span class=\"_ _8\"></span>i<span class=\"_ _8\"></span>ng</span><span style=\"display:inherit;clear:left;\">Mo<span class=\"_ _8\"></span>rban<span class=\"_ _8\"></span>k<span class=\"ls0 ws0\"> </span></span><span style=\"display:inherit;clear:left;\">Som f\u00f8lg<span class=\"_ _1\"></span>e a<span class=\"_ _1\"></span>v inng\u00e5<span class=\"_ _1\"></span>tte ISD<span class=\"_ _1\"></span>A<span class=\"_ _1\"></span>- og<span class=\"_ _1\"></span> CSA<span class=\"_ _1\"></span>-<span class=\"_ _1\"></span>a<span class=\"_ _1\"></span>vtaler mellom morbanken og<span class=\"_ _1\"></span> finansielle mo<span class=\"_ _1\"></span>tparter vedr<span class=\"_ _1\"></span>\u00f8rende<span class=\"_ _1\"></span> deriva<span class=\"_ _1\"></span>tforre<span class=\"_ _1\"></span>tninger<span class=\"_ _0\"></span>, oppn\u00e5s </span><span style=\"display:inherit;clear:left;\">motregnings<span class=\"_ _1\"></span>rett mo<span class=\"_ _1\"></span>t colla<span class=\"_ _1\"></span>ter<span class=\"_ _1\"></span>al dersom<span class=\"_ _1\"></span> motparten misligholder forpliktelsene.<span class=\"_ _1\"></span>  <span class=\"ls0 ws0\"> </span></span><span style=\"display:inherit;clear:left;\">Sp<span class=\"_ _8\"></span>areb<span class=\"_ _8\"></span>anken Vest Bo<span class=\"_ _8\"></span>li<span class=\"_ _8\"></span>gkre<span class=\"_ _8\"></span>dit<span class=\"_ _1\"></span>t AS<span class=\"ls0 ws0\"> </span></span><span style=\"display:inherit;clear:left;\">Sparebank<span class=\"_ _1\"></span>en V<span class=\"_ _1\"></span>est<span class=\"_ _1\"></span> Boligkreditt benytter bila<span class=\"_ _1\"></span>tera<span class=\"_ _1\"></span>le ISDA/CSA<span class=\"_ _2\"></span>-avtaler med ek<span class=\"_ _1\"></span>sterne mo<span class=\"_ _1\"></span>tparter eller morbank<span class=\"_ _1\"></span>en v<span class=\"_ _1\"></span>ed inng\u00e5else<span class=\"_ _1\"></span> a<span class=\"_ _1\"></span>v </span><span style=\"display:inherit;clear:left;\">deriva<span class=\"_ _1\"></span>tkon<span class=\"_ _1\"></span>trakter<span class=\"_ _2\"></span>. A<span class=\"_ _1\"></span>vtalene g<span class=\"_ _8\"></span>j\u00f8r det mulig<span class=\"_ _1\"></span> \u00e5 nettober<span class=\"_ _1\"></span>egne mark<span class=\"_ _2\"></span>-<span class=\"_ _1\"></span>to-<span class=\"_ _1\"></span>marke<span class=\"_ _1\"></span>t.</span><span style=\"display:inherit;clear:left;\">CSA-avta<span class=\"_ _8\"></span>len<span class=\"_ _8\"></span>e er ens<span class=\"_ _8\"></span>idi<span class=\"_ _8\"></span>ge, no<span class=\"_ _8\"></span>e som b<span class=\"_ _8\"></span>ety<span class=\"_ _8\"></span>r at det kun e<span class=\"_ _8\"></span>r motp<span class=\"_ _8\"></span>ar<span class=\"_ _8\"></span>ten so<span class=\"_ _8\"></span>m m\u00e5 st<span class=\"_ _8\"></span>ille s<span class=\"_ _8\"></span>ikker<span class=\"_ _8\"></span>het n\u00e5<span class=\"_ _8\"></span>r mar<span class=\"_ _8\"></span>kedsverd<span class=\"_ _8\"></span>ien sv<span class=\"_ _8\"></span>inge<span class=\"_ _8\"></span>r<span class=\"_ _2\"></span>. I de f<span class=\"_ _8\"></span>le<span class=\"_ _8\"></span>ste </span><span style=\"display:inherit;clear:left;\">avtaler skal<span class=\"_ _1\"></span> sikkerhet<span class=\"_ _1\"></span> fr<span class=\"_ _1\"></span>a motparten<span class=\"_ _1\"></span> stilles daglig n\u00e5r mark<span class=\"_ _1\"></span>edsver<span class=\"_ _1\"></span>dien er<span class=\"_ _1\"></span> i Spar<span class=\"_ _1\"></span>ebanken<span class=\"_ _1\"></span> V<span class=\"_ _1\"></span>est Boligkreditts fa<span class=\"_ _1\"></span>v<span class=\"_ _1\"></span>\u00f8r (<span class=\"_ _1\"></span>null<span class=\"_ _1\"></span> tersk<span class=\"_ _1\"></span>el).</span><span style=\"display:inherit;clear:left;\">CSA<span class=\"_ _1\"></span>-<span class=\"_ _1\"></span>avtalene inneholder r<span class=\"_ _1\"></span>a<span class=\"_ _1\"></span>tingklausuler der mo<span class=\"_ _1\"></span>tparten m\u00e5 stil<span class=\"_ _1\"></span>le mer sikk<span class=\"_ _1\"></span>erhet h<span class=\"_ _1\"></span>vis<span class=\"_ _1\"></span> vurderingen<span class=\"_ _1\"></span> faller<span class=\"_ _1\"></span> under definerte </span><span style=\"display:inherit;clear:left;\">ra<span class=\"_ _1\"></span>tingtrig<span class=\"_ _8\"></span>gere.<span class=\"_ _1\"></span> Dersom r<span class=\"_ _1\"></span>ating<span class=\"_ _1\"></span>en f<span class=\"_ _1\"></span>aller under<span class=\"_ _1\"></span> et f<span class=\"_ _1\"></span>orh\u00e5ndsbestemt niv<span class=\"_ _1\"></span>\u00e5, skal<span class=\"_ _1\"></span> deriva<span class=\"_ _1\"></span>tene<span class=\"_ _1\"></span> byttes til annen<span class=\"_ _1\"></span> motpart for<span class=\"_ _1\"></span> motpartens </span><span style=\"display:inherit;clear:left;\">egen<span class=\"_ _1\"></span> regn<span class=\"_ _1\"></span>ing.</span><span style=\"display:inherit;clear:left;\">Brutto </span><span style=\"display:inherit;clear:left;\">Bel\u00f8p som </span><span style=\"display:inherit;clear:left;\">\u00d8vrig <span class=\"_ _4\"></span> </span><span style=\"display:inherit;clear:left;\">Bel\u00f8p et<span class=\"_ _1\"></span>ter</span><span style=\"display:inherit;clear:left;\">balansef<span class=\"_ _1\"></span>\u00f8rt </span><span style=\"display:inherit;clear:left;\">motr<span class=\"_ _1\"></span>egnes</span><span style=\"display:inherit;clear:left;\">Balansef<span class=\"_ _1\"></span>\u00f8rt</span><span style=\"display:inherit;clear:left;\">Net<span class=\"_ _1\"></span>ting-</span><span style=\"display:inherit;clear:left;\">sikkerhe<span class=\"_ _1\"></span>t/</span><span style=\"display:inherit;clear:left;\">mulige ne<span class=\"_ _1\"></span>tt<span class=\"_ _1\"></span>o- </span><span style=\"display:inherit;clear:left;\">1)</span><span style=\"display:inherit;clear:left;\">ver<span class=\"_ _2\"></span>di</span><span style=\"display:inherit;clear:left;\">a<span class=\"_ _1\"></span>vtaler </span><span style=\"display:inherit;clear:left;\">1)</span><span style=\"display:inherit;clear:left;\">K<span class=\"_ _1\"></span>ONSERN</span><span style=\"display:inherit;clear:left;\">ver<span class=\"_ _2\"></span>di</span><span style=\"display:inherit;clear:left;\">i balansen </span><span style=\"display:inherit;clear:left;\">colla<span class=\"_ _1\"></span>t<span class=\"_ _1\"></span>er<span class=\"_ _1\"></span>al</span><span style=\"display:inherit;clear:left;\">oppgj\u00f8r</span><span style=\"display:inherit;clear:left;\">31/12<span class=\"_ _1\"></span>-2<span class=\"_ _1\"></span>0<span class=\"_ _1\"></span>23</span><span style=\"display:inherit;clear:left;\">Utl\u00e5n til og for<span class=\"_ _1\"></span>dring<span class=\"_ _1\"></span>er p\u00e5 kr<span class=\"_ _1\"></span>edittins<span class=\"_ _1\"></span>titusjoner<span class=\"_ _117\"> </span>3 154<span class=\"_ _13\"> </span>0<span class=\"_ _5d\"> </span>3 154<span class=\"_ _13\"> </span>0<span class=\"_ _66\"> </span><span class=\"ls21 ws175\">123<span class=\"_ _ba\"> </span><span class=\"ls136 ws1e3\">3<span class=\"_ _8\"></span> 030</span></span></span><span style=\"display:inherit;clear:left;\">Finansielle deriv<span class=\"_ _1\"></span>a<span class=\"_ _1\"></span>ter \u2013 eiendeler<span class=\"_ _181\"> </span><span class=\"ls126 ws1d0\">5 401<span class=\"_ _10c\"> </span></span>0<span class=\"_ _5d\"> </span></span><span style=\"display:inherit;clear:left;\">5 401<span class=\"_ _93\"> </span><span class=\"ls136 ws1e3\">1<span class=\"_ _8\"></span> 033<span class=\"_ _72\"> </span></span></span><span style=\"display:inherit;clear:left;\">3 193<span class=\"_ _11\"> </span>1 175</span><span style=\"display:inherit;clear:left;\">Gjeld til kredit<span class=\"_ _1\"></span>tins<span class=\"_ _1\"></span>titusjoner<span class=\"_ _19e\"> </span><span class=\"ls133 ws1e0\">5 454<span class=\"_ _10c\"> </span></span>0<span class=\"_ _6f\"> </span><span class=\"ls133 ws1e0\">5 454<span class=\"_ _10c\"> </span></span>0<span class=\"_ _1b\"> </span>3 193<span class=\"_ _1b\"> </span><span class=\"ls125 ws1cf\">2<span class=\"_ _8\"></span> 261</span></span><span style=\"display:inherit;clear:left;\">Finansielle deriv<span class=\"_ _1\"></span>a<span class=\"_ _1\"></span>ter \u2013 gjeld<span class=\"_ _ef\"> </span><span class=\"ls4a ws9d\">1 670<span class=\"_ _63\"> </span></span>0<span class=\"_ _72\"> </span></span><span style=\"display:inherit;clear:left;\">1<span class=\"_ _8\"></span> 670<span class=\"_ _72\"> </span></span><span style=\"display:inherit;clear:left;\">1 033<span class=\"_ _66\"> </span><span class=\"ls21 ws175\">1<span class=\"_ _8\"></span>23<span class=\"_ _9a\"> </span><span class=\"ls139 ws1e6\">51<span class=\"_ _8\"></span>4</span></span></span><span style=\"display:inherit;clear:left;\">31/12<span class=\"_ _1\"></span>-2<span class=\"_ _1\"></span>0<span class=\"_ _1\"></span>22</span><span style=\"display:inherit;clear:left;\">Utl\u00e5n til og for<span class=\"_ _1\"></span>dring<span class=\"_ _1\"></span>er p\u00e5 kr<span class=\"_ _1\"></span>edittins<span class=\"_ _1\"></span>titusjoner<span class=\"_ _48\"> </span>1 018<span class=\"_ _13\"> </span>0<span class=\"_ _14\"> </span>1 018<span class=\"_ _13\"> </span>0<span class=\"_ _21a\"> </span><span class=\"ls82 ws14b\">455<span class=\"_ _3e\"> </span>564</span></span><span style=\"display:inherit;clear:left;\">Finansielle deriv<span class=\"_ _1\"></span>a<span class=\"_ _1\"></span>ter \u2013 eiendeler<span class=\"_ _221\"> </span><span class=\"ls31 ws81\">2<span class=\"_ _8\"></span> 575<span class=\"_ _10c\"> </span></span>0<span class=\"_ _74\"> </span></span><span style=\"display:inherit;clear:left;\">2<span class=\"_ _8\"></span> 575<span class=\"_ _92\"> </span></span><span style=\"display:inherit;clear:left;\">961<span class=\"_ _91\"> </span><span class=\"ls138 ws1e5\">969<span class=\"_ _75\"> </span><span class=\"ls82 ws14b\">645</span></span></span><span style=\"display:inherit;clear:left;\">Gjeld til kredit<span class=\"_ _1\"></span>tins<span class=\"_ _1\"></span>titusjoner<span class=\"_ _11e\"> </span><span class=\"ls133 ws1e0\">3<span class=\"_ _8\"></span> 095<span class=\"_ _13\"> </span></span>0<span class=\"_ _ba\"> </span><span class=\"ls133 ws1e0\">3<span class=\"_ _8\"></span> 095<span class=\"_ _13\"> </span></span>0<span class=\"_ _91\"> </span><span class=\"ls138 ws1e5\">969<span class=\"_ _72\"> </span></span>2 125</span><span style=\"display:inherit;clear:left;\">Finansielle deriv<span class=\"_ _1\"></span>a<span class=\"_ _1\"></span>ter \u2013 gjeld<span class=\"_ _2d6\"> </span>1 922<span class=\"_ _13\"> </span>0<span class=\"_ _1b\"> </span>1 922<span class=\"_ _10\"> </span></span><span style=\"display:inherit;clear:left;\">961<span class=\"_ _21a\"> </span><span class=\"ls82 ws14b\">45<span class=\"_ _8\"></span>5<span class=\"_ _3e\"> </span>506</span></span><span style=\"display:inherit;clear:left;\">Brutto </span><span style=\"display:inherit;clear:left;\">Bel\u00f8p som </span><span style=\"display:inherit;clear:left;\">\u00d8vrig <span class=\"_ _4\"></span> </span><span style=\"display:inherit;clear:left;\">Bel\u00f8p et<span class=\"_ _1\"></span>ter</span><span style=\"display:inherit;clear:left;\">balansef<span class=\"_ _1\"></span>\u00f8rt </span><span style=\"display:inherit;clear:left;\">motr<span class=\"_ _1\"></span>egnes</span><span style=\"display:inherit;clear:left;\">Balansef<span class=\"_ _1\"></span>\u00f8rt</span><span style=\"display:inherit;clear:left;\">Net<span class=\"_ _1\"></span>ting-</span><span style=\"display:inherit;clear:left;\">sikkerhe<span class=\"_ _1\"></span>t/</span><span style=\"display:inherit;clear:left;\">mulige ne<span class=\"_ _1\"></span>tt<span class=\"_ _1\"></span>o- </span><span style=\"display:inherit;clear:left;\">1)</span><span style=\"display:inherit;clear:left;\">ver<span class=\"_ _2\"></span>di</span><span style=\"display:inherit;clear:left;\">a<span class=\"_ _1\"></span>vtaler </span><span style=\"display:inherit;clear:left;\">MORBANK</span><span style=\"display:inherit;clear:left;\">ver<span class=\"_ _2\"></span>di</span><span style=\"display:inherit;clear:left;\">i balansen </span><span style=\"display:inherit;clear:left;\">colla<span class=\"_ _1\"></span>t<span class=\"_ _1\"></span>er<span class=\"_ _1\"></span>al</span><span style=\"display:inherit;clear:left;\">oppgj\u00f8r</span><span style=\"display:inherit;clear:left;\">31/12<span class=\"_ _1\"></span>-2<span class=\"_ _1\"></span>0<span class=\"_ _1\"></span>23</span><span style=\"display:inherit;clear:left;\">Utl\u00e5n til og for<span class=\"_ _1\"></span>dring<span class=\"_ _1\"></span>er p\u00e5 kr<span class=\"_ _1\"></span>edittins<span class=\"_ _1\"></span>titusjoner<span class=\"_ _3d\"> </span>23 7<span class=\"_ _2\"></span>48<span class=\"_ _13\"> </span>0<span class=\"_ _83\"> </span>23 7<span class=\"_ _0\"></span>48<span class=\"_ _10c\"> </span>0<span class=\"_ _1b\"> </span>1 639<span class=\"_ _85\"> </span>22 109</span><span style=\"display:inherit;clear:left;\">Finansielle deriv<span class=\"_ _1\"></span>a<span class=\"_ _1\"></span>ter \u2013 eiendeler<span class=\"_ _1e5\"> </span><span class=\"ls82 ws14b\">4 608<span class=\"_ _13\"> </span></span>0<span class=\"_ _108\"> </span></span><span style=\"display:inherit;clear:left;\">4 608<span class=\"_ _e9\"> </span></span><span style=\"display:inherit;clear:left;\">939<span class=\"_ _72\"> </span><span class=\"ls109 ws16b\">2<span class=\"_ _8\"></span> 281<span class=\"_ _1a\"> </span><span class=\"ls135 ws1e2\">1 3<span class=\"_ _8\"></span>89</span></span></span><span style=\"display:inherit;clear:left;\">Gjeld til kredit<span class=\"_ _1\"></span>tins<span class=\"_ _1\"></span>titusjoner<span class=\"_ _122\"> </span>9 129<span class=\"_ _13\"> </span>0<span class=\"_ _1b\"> </span>9 129<span class=\"_ _13\"> </span>0<span class=\"_ _72\"> </span><span class=\"ls109 ws16b\">2 28<span class=\"_ _8\"></span>1<span class=\"_ _6e\"> </span></span>6 848</span><span style=\"display:inherit;clear:left;\">Finansielle deriv<span class=\"_ _1\"></span>a<span class=\"_ _1\"></span>ter \u2013  gjeld<span class=\"_ _2d7\"> </span><span class=\"ls133 ws1e0\">4 540<span class=\"_ _10c\"> </span></span>0<span class=\"_ _86\"> </span></span><span style=\"display:inherit;clear:left;\">4 540<span class=\"_ _e9\"> </span><span class=\"ls136 ws1e3\">939<span class=\"_ _1b\"> </span></span></span><span style=\"display:inherit;clear:left;\">1 639<span class=\"_ _93\"> </span>1 962</span><span style=\"display:inherit;clear:left;\">31/12<span class=\"_ _1\"></span>-2<span class=\"_ _1\"></span>0<span class=\"_ _1\"></span>22</span><span style=\"display:inherit;clear:left;\">Utl\u00e5n til og for<span class=\"_ _1\"></span>dring<span class=\"_ _1\"></span>er p\u00e5 kr<span class=\"_ _1\"></span>edittins<span class=\"_ _1\"></span>titusjoner<span class=\"_ _226\"> </span>19 57<span class=\"_ _1\"></span>3<span class=\"_ _13\"> </span>0<span class=\"_ _8e\"> </span>19 57<span class=\"_ _1\"></span>3<span class=\"_ _13\"> </span>0<span class=\"_ _21a\"> </span><span class=\"ls82 ws14b\">455<span class=\"_ _94\"> </span></span>19 118</span><span style=\"display:inherit;clear:left;\">Finansielle deriv<span class=\"_ _1\"></span>a<span class=\"_ _1\"></span>ter \u2013 eiendeler<span class=\"_ _a4\"> </span><span class=\"ls135 ws1e2\">4<span class=\"_ _8\"></span> 894<span class=\"_ _10c\"> </span></span>0<span class=\"_ _108\"> </span></span><span style=\"display:inherit;clear:left;\">4 89<span class=\"_ _8\"></span>4<span class=\"_ _9a\"> </span></span><span style=\"display:inherit;clear:left;\">872<span class=\"_ _10\"> </span><span class=\"ls13 ws13\">327<span class=\"_ _74\"> </span><span class=\"ls138 ws1e5\">3 695</span></span></span><span style=\"display:inherit;clear:left;\">Gjeld til kredit<span class=\"_ _1\"></span>tins<span class=\"_ _1\"></span>titusjoner<span class=\"_ _1fc\"> </span><span class=\"ls13b ws1e8\">3 568<span class=\"_ _13\"> </span></span>0<span class=\"_ _94\"> </span><span class=\"ls13b ws1e8\">3 5<span class=\"_ _8\"></span>68<span class=\"_ _13\"> </span></span>0<span class=\"_ _9a\"> </span><span class=\"ls13 ws13\">327<span class=\"_ _ba\"> </span><span class=\"ls4a ws9d\">3<span class=\"_ _8\"></span> 24<span class=\"_ _8\"></span>0</span></span></span><span style=\"display:inherit;clear:left;\">Finansielle deriv<span class=\"_ _1\"></span>a<span class=\"_ _1\"></span>ter \u2013 gjeld<span class=\"_ _11f\"> </span><span class=\"ls6 ws6\">2<span class=\"_ _8\"></span> 5<span class=\"_ _8\"></span>07<span class=\"_ _63\"> </span></span>0<span class=\"_ _74\"> </span></span><span style=\"display:inherit;clear:left;\">2<span class=\"_ _8\"></span> 5<span class=\"_ _8\"></span>07<span class=\"_ _10\"> </span></span><span style=\"display:inherit;clear:left;\">872<span class=\"_ _75\"> </span><span class=\"ls82 ws14b\">455<span class=\"_ _16\"> </span></span></span><span style=\"display:inherit;clear:left;\">1 181</span><span style=\"display:inherit;clear:left;\">1)</span><span style=\"display:inherit;clear:left;\"> Nettingavtaler er ikk<span class=\"_ _1\"></span>e mo<span class=\"_ _1\"></span>tregnet i<span class=\"_ _1\"></span> balansen f<span class=\"_ _1\"></span>ordi<span class=\"_ _1\"></span> transaks<span class=\"_ _1\"></span>jonene van<span class=\"_ _1\"></span>ligvis<span class=\"_ _1\"></span> ikke<span class=\"_ _1\"></span> g<span class=\"_ _8\"></span>j\u00f8res opp p\u00e5<span class=\"_ _1\"></span> nettogrunnlag.</span><span style=\"display:inherit;clear:left;\">No<span class=\"_ _1\"></span>te 38 In<span class=\"_ _8\"></span>nskudd f<span class=\"_ _2\"></span>r<span class=\"_ _8\"></span>a kunder</span><span style=\"display:inherit;clear:left;\">Fordeli<span class=\"_ _8\"></span>ng av inns<span class=\"_ _8\"></span>kud<span class=\"_ _8\"></span>d fra og g<span class=\"_ _a\"></span>jel<span class=\"_ _8\"></span>d til k<span class=\"_ _8\"></span>unde<span class=\"_ _8\"></span>r<span class=\"_ _2\"></span>.</span><span style=\"display:inherit;clear:left;\">MORBANK<span class=\"_ _2c5\"> </span>K<span class=\"_ _1\"></span>ONSERN</span><span style=\"display:inherit;clear:left;\">31/12<span class=\"_ _1\"></span>-22<span class=\"_ _169\"> </span>31/12<span class=\"_ _1\"></span>-<span class=\"_ _1\"></span>23<span class=\"_ _285\"> </span>31/12-<span class=\"_ _1\"></span>23<span class=\"_ _169\"> </span>31/12<span class=\"_ _1\"></span>-<span class=\"_ _1\"></span>22</span><span style=\"display:inherit;clear:left;\">Kr<span class=\"_ _1\"></span>oner<span class=\"_ _74\"> </span>%<span class=\"_ _a3\"> </span>Kroner<span class=\"_ _98\"> </span>%<span class=\"_ _b9\"> </span>L\u00f8petidsf<span class=\"_ _1\"></span>or<span class=\"_ _1\"></span>deling<span class=\"_ _a9\"> </span>Kroner<span class=\"_ _74\"> </span>%<span class=\"_ _a3\"> </span>Kroner<span class=\"_ _3e\"> </span>%</span><span style=\"display:inherit;clear:left;\">71 964<span class=\"_ _cc\"> </span><span class=\"ls146 ws1f6\">6<span class=\"_ _a\"></span>4<span class=\"_ _a\"></span>,1<span class=\"_ _d8\"> </span><span class=\"ls13d ws1eb\">75<span class=\"_ _8\"></span> 49<span class=\"_ _8\"></span>9<span class=\"_ _9b\"> </span></span>6<span class=\"_ _a\"></span>1<span class=\"_ _38\"></span>,1<span class=\"_ _b8\"> </span></span>Uten a<span class=\"_ _1\"></span>vtalt l\u00f8pe<span class=\"_ _1\"></span>tid<span class=\"_ _a7\"> </span>75 445<span class=\"_ _19a\"> </span><span class=\"ls109 ws16b\">6<span class=\"_ _8\"></span>1,0<span class=\"_ _131\"> </span></span>71 964<span class=\"_ _189\"> </span><span class=\"ls146 ws1f6\">6<span class=\"_ _a\"></span>4<span class=\"_ _a\"></span>,1</span></span><span style=\"display:inherit;clear:left;\">40 3<span class=\"_ _8\"></span>38<span class=\"_ _131\"> </span>35,9<span class=\"_ _c7\"> </span><span class=\"ls0 ws0\">48 149<span class=\"_ _b7\"> </span></span>38,<span class=\"_ _8\"></span>9<span class=\"_ _11a\"> </span><span class=\"ls0 ws0\">Med a<span class=\"_ _1\"></span>vtalt l\u00f8petid<span class=\"_ _1e5\"> </span>48 154<span class=\"_ _db\"> </span><span class=\"ls109 ws16b\">39,0<span class=\"_ _c7\"> </span></span>40 310<span class=\"_ _85\"> </span><span class=\"ls139 ws1e6\">35,9</span></span></span><span style=\"display:inherit;clear:left;\">112 30<span class=\"_ _1\"></span>2<span class=\"_ _113\"> </span><span class=\"ls84 wsdf\">10<span class=\"_ _8\"></span>0,0<span class=\"_ _5a\"> </span></span>123 648<span class=\"_ _9e\"> </span><span class=\"ls84 wsdf\">10<span class=\"_ _8\"></span>0,0<span class=\"_ _11a\"> </span></span>Sum innskudd fr<span class=\"_ _1\"></span>a kunder <span class=\"_ _e6\"> </span>123 5<span class=\"_ _1\"></span>99<span class=\"_ _111\"> </span><span class=\"ls84 wsdf\">1<span class=\"_ _8\"></span>00,0<span class=\"_ _10b\"> </span></span>112 27<span class=\"_ _0\"></span>4<span class=\"_ _131\"> </span><span class=\"ls84 wsdf\">1<span class=\"_ _8\"></span>00,0</span></span><span style=\"display:inherit;clear:left;\">31/12<span class=\"_ _1\"></span>-22<span class=\"_ _169\"> </span>31/12<span class=\"_ _1\"></span>-<span class=\"_ _1\"></span>23<span class=\"_ _285\"> </span>31/12-<span class=\"_ _1\"></span>23<span class=\"_ _169\"> </span>31/12<span class=\"_ _1\"></span>-<span class=\"_ _1\"></span>22</span><span style=\"display:inherit;clear:left;\">Kr<span class=\"_ _1\"></span>oner<span class=\"_ _74\"> </span>%<span class=\"_ _a3\"> </span>Kroner<span class=\"_ _98\"> </span>%<span class=\"_ _b9\"> </span>N\u00e6ringsfor<span class=\"_ _1\"></span>deling<span class=\"_ _22d\"> </span>Kroner<span class=\"_ _74\"> </span>%<span class=\"_ _a3\"> </span>Kroner<span class=\"_ _3e\"> </span>%</span><span style=\"display:inherit;clear:left;\">5 7<span class=\"_ _1\"></span>63<span class=\"_ _8e\"> </span><span class=\"ls146 ws1f6\">5<span class=\"_ _a\"></span>,1<span class=\"_ _8a\"> </span><span class=\"ls138 ws1e5\">6<span class=\"_ _8\"></span> 252<span class=\"_ _5d\"> </span></span>5<span class=\"_ _8\"></span>,1<span class=\"_ _b8\"> </span></span>Jord-, skogbruk og fisk<span class=\"_ _1\"></span>eri<span class=\"_ _192\"> </span></span><span style=\"display:inherit;clear:left;\">6 2<span class=\"_ _8\"></span>52<span class=\"_ _189\"> </span><span class=\"ls146 ws1f6\">5<span class=\"_ _a\"></span>,1<span class=\"_ _87\"> </span></span></span><span style=\"display:inherit;clear:left;\">5 763<span class=\"_ _14\"> </span><span class=\"ls146 ws1f6\">5<span class=\"_ _8\"></span>,1</span></span><span style=\"display:inherit;clear:left;\">7 403<span class=\"_ _83\"> </span></span><span style=\"display:inherit;clear:left;\">6,6<span class=\"_ _cd\"> </span></span><span style=\"display:inherit;clear:left;\">9 90<span class=\"_ _1\"></span>7<span class=\"_ _189\"> </span><span class=\"ls109 ws16b\">8,0<span class=\"_ _b8\"> </span></span>Industri og ber<span class=\"_ _1\"></span>gv<span class=\"_ _1\"></span>erk<span class=\"_ _a7\"> </span>9 90<span class=\"_ _1\"></span>7<span class=\"_ _8a\"> </span><span class=\"ls109 ws16b\">8,0<span class=\"_ _89\"> </span><span class=\"ls136 ws1e3\">7 403<span class=\"_ _93\"> </span></span>6,6</span></span><span style=\"display:inherit;clear:left;\">1<span class=\"_ _a\"></span> 74<span class=\"_ _a\"></span>2<span class=\"_ _65\"> </span></span><span style=\"display:inherit;clear:left;\">1,6<span class=\"_ _107\"> </span><span class=\"ls0 ws0\">1 227<span class=\"_ _6e\"> </span></span>1<span class=\"_ _8\"></span>,0<span class=\"_ _11a\"> </span></span><span style=\"display:inherit;clear:left;\">Kra<span class=\"_ _1\"></span>ft og v<span class=\"_ _1\"></span>ann<span class=\"_ _1\"></span>f<span class=\"_ _1\"></span>orsyning<span class=\"_ _2d8\"> </span>1 22<span class=\"_ _1\"></span>7<span class=\"_ _6b\"> </span><span class=\"ls109 ws16b\">1<span class=\"_ _8\"></span>,0<span class=\"_ _107\"> </span><span class=\"ls140 ws1ee\">1<span class=\"_ _a\"></span> 74<span class=\"_ _a\"></span>2<span class=\"_ _11\"> </span></span>1,6</span></span><span style=\"display:inherit;clear:left;\">3 7<span class=\"_ _1\"></span>84<span class=\"_ _cd\"> </span></span><span style=\"display:inherit;clear:left;\">3,4<span class=\"_ _cd\"> </span></span><span style=\"display:inherit;clear:left;\">3<span class=\"_ _8\"></span> 859<span class=\"_ _5d\"> </span></span><span style=\"display:inherit;clear:left;\">3<span class=\"_ _a\"></span>,1<span class=\"_ _b8\"> </span></span><span style=\"display:inherit;clear:left;\">By</span><span style=\"display:inherit;clear:left;\">gg<span class=\"_ _1\"></span></span><span style=\"display:inherit;clear:left;\">e- og anle</span><span style=\"display:inherit;clear:left;\">gg<span class=\"_ _1\"></span><span class=\"ls0 ws0\">s<span class=\"_ _1\"></span>virksomhe<span class=\"_ _1\"></span>t<span class=\"_ _69\"> </span><span class=\"ls31 ws81\">3<span class=\"_ _8\"></span> 859<span class=\"_ _86\"> </span><span class=\"ls146 ws1f6\">3<span class=\"_ _8\"></span>,1<span class=\"_ _8a\"> </span></span></span>3 7<span class=\"_ _1\"></span>84<span class=\"_ _74\"> </span><span class=\"ls84 wsdf\">3,4</span></span></span><span style=\"display:inherit;clear:left;\">2 816<span class=\"_ _8a\"> </span><span class=\"ls12c ws1d6\">2<span class=\"_ _8\"></span>,5<span class=\"_ _83\"> </span></span>3 310<span class=\"_ _108\"> </span><span class=\"ls152 ws203\">2<span class=\"_ _a\"></span>,7<span class=\"_ _bd\"> </span></span>V<span class=\"_ _2\"></span>arehandel<span class=\"_ _210\"> </span>3 310<span class=\"_ _83\"> </span><span class=\"ls152 ws203\">2<span class=\"_ _38\"></span>,7<span class=\"_ _6b\"> </span></span>2 816<span class=\"_ _5d\"> </span><span class=\"ls12c ws1d6\">2,5</span></span><span style=\"display:inherit;clear:left;\">4 348<span class=\"_ _87\"> </span><span class=\"ls84 wsdf\">3,9<span class=\"_ _107\"> </span></span>6 13<span class=\"_ _1\"></span>7<span class=\"_ _189\"> </span><span class=\"ls109 ws16b\">5<span class=\"_ _8\"></span>,0<span class=\"_ _11a\"> </span></span>Utenriks sj\u00f8<span class=\"_ _1\"></span>f<span class=\"_ _1\"></span>art og transport<span class=\"_ _212\"> </span>6 137<span class=\"_ _cd\"> </span><span class=\"ls109 ws16b\">5<span class=\"_ _8\"></span>,0<span class=\"_ _b7\"> </span></span>4 348<span class=\"_ _93\"> </span><span class=\"ls84 wsdf\">3,9</span></span><span style=\"display:inherit;clear:left;\">5<span class=\"_ _8\"></span>37<span class=\"_ _87\"> </span></span><span style=\"display:inherit;clear:left;\">0,<span class=\"_ _8\"></span>5<span class=\"_ _1b\"> </span><span class=\"ls12f ws1d9\">5<span class=\"_ _8\"></span>73<span class=\"_ _65\"> </span></span>0,<span class=\"_ _8\"></span>5<span class=\"_ _11a\"> </span></span><span style=\"display:inherit;clear:left;\">Hotell o<span class=\"_ _1\"></span>g res<span class=\"_ _1\"></span>taur<span class=\"_ _1\"></span>an<span class=\"_ _1\"></span>t<span class=\"_ _11b\"> </span></span><span style=\"display:inherit;clear:left;\">573<span class=\"_ _87\"> </span><span class=\"ls109 ws16b\">0,<span class=\"_ _8\"></span>5<span class=\"_ _1b\"> </span><span class=\"ls61 wsb5\">5<span class=\"_ _8\"></span>37<span class=\"_ _93\"> </span></span>0,5</span></span><span style=\"display:inherit;clear:left;\">6<span class=\"_ _8\"></span> 5<span class=\"_ _8\"></span>87<span class=\"_ _83\"> </span><span class=\"ls139 ws1e6\">5,9<span class=\"_ _dd\"> </span><span class=\"ls0 ws0\">6 390<span class=\"_ _65\"> </span></span>5,<span class=\"_ _8\"></span>2<span class=\"_ _11a\"> </span><span class=\"ls0 ws0\">Eiendomsdrift<span class=\"_ _220\"> </span><span class=\"ls61 wsb5\">6<span class=\"_ _8\"></span> 379<span class=\"_ _83\"> </span></span></span>5,<span class=\"_ _8\"></span>2<span class=\"_ _dd\"> </span><span class=\"ls126 ws1d0\">6 58<span class=\"_ _8\"></span>0<span class=\"_ _5d\"> </span></span>5,9</span></span><span style=\"display:inherit;clear:left;\">9 983<span class=\"_ _87\"> </span></span><span style=\"display:inherit;clear:left;\">8,9<span class=\"_ _cd\"> </span></span><span style=\"display:inherit;clear:left;\">11 512<span class=\"_ _65\"> </span><span class=\"ls109 ws16b\">9,<span class=\"_ _8\"></span>3<span class=\"_ _b8\"> </span></span>Tjenes<span class=\"_ _1\"></span>te<span class=\"_ _1\"></span>yt<span class=\"_ _1\"></span>ende virksomhe<span class=\"_ _1\"></span>t<span class=\"_ _22\"> </span>11 4<span class=\"_ _1\"></span>7<span class=\"_ _2\"></span>0<span class=\"_ _83\"> </span></span><span style=\"display:inherit;clear:left;\">9,3<span class=\"_ _cd\"> </span><span class=\"ls126 ws1d0\">9 958<span class=\"_ _5d\"> </span><span class=\"ls62 wsb6\">8,9</span></span></span><span style=\"display:inherit;clear:left;\">2<span class=\"_ _8\"></span> 495<span class=\"_ _83\"> </span><span class=\"ls0 ws0\">2,2<span class=\"_ _85\"> </span>2 313<span class=\"_ _ba\"> </span><span class=\"ls62 wsb6\">1,9<span class=\"_ _11a\"> </span></span>Offen<span class=\"_ _1\"></span>tlig f<span class=\"_ _1\"></span>orvaltning<span class=\"_ _16d\"> </span>2 313<span class=\"_ _107\"> </span><span class=\"ls62 wsb6\">1,9<span class=\"_ _89\"> </span><span class=\"ls13d ws1eb\">2 49<span class=\"_ _8\"></span>5<span class=\"_ _5d\"> </span></span></span>2,2</span></span><span style=\"display:inherit;clear:left;\">4 28<span class=\"_ _8\"></span>1<span class=\"_ _83\"> </span></span><span style=\"display:inherit;clear:left;\">3,8<span class=\"_ _85\"> </span></span><span style=\"display:inherit;clear:left;\">3<span class=\"_ _8\"></span> 581<span class=\"_ _86\"> </span></span><span style=\"display:inherit;clear:left;\">2,9<span class=\"_ _11a\"> </span></span><span style=\"display:inherit;clear:left;\">Andre finansielle f<span class=\"_ _1\"></span>or<span class=\"_ _1\"></span>e<span class=\"_ _1\"></span>tak<span class=\"_ _1c0\"> </span></span><span style=\"display:inherit;clear:left;\">3<span class=\"_ _8\"></span> 581<span class=\"_ _87\"> </span></span><span style=\"display:inherit;clear:left;\">2,9<span class=\"_ _83\"> </span><span class=\"ls109 ws16b\">4<span class=\"_ _8\"></span> 281<span class=\"_ _93\"> </span><span class=\"ls84 wsdf\">3,8</span></span></span><span style=\"display:inherit;clear:left;\">49<span class=\"_ _8\"></span> 739<span class=\"_ _d8\"> </span><span class=\"ls0 ws0\">44,3<span class=\"_ _db\"> </span>55 061<span class=\"_ _cc\"> </span><span class=\"ls12c ws1d6\">44,5<span class=\"_ _11a\"> </span></span>Sum n\u00e6ringsliv<span class=\"_ _194\"> </span>55 00<span class=\"_ _1\"></span>7<span class=\"_ _a8\"> </span><span class=\"ls12c ws1d6\">44,5<span class=\"_ _c7\"> </span><span class=\"ls6 ws6\">4<span class=\"_ _8\"></span>9<span class=\"_ _8\"></span> 7<span class=\"_ _8\"></span>07<span class=\"_ _8a\"> </span></span></span>44,3</span></span><span style=\"display:inherit;clear:left;\">62 563<span class=\"_ _dc\"> </span><span class=\"ls152 ws203\">5<span class=\"_ _a\"></span>5<span class=\"_ _a\"></span>,7<span class=\"_ _131\"> </span><span class=\"ls132 ws1de\">6<span class=\"_ _8\"></span>8<span class=\"_ _8\"></span> 5<span class=\"_ _8\"></span>87<span class=\"_ _90\"> </span><span class=\"ls139 ws1e6\">55,<span class=\"_ _8\"></span>5<span class=\"_ _11a\"> </span></span></span></span>P<span class=\"_ _1\"></span>ersonkunder<span class=\"_ _259\"> </span></span><span style=\"display:inherit;clear:left;\">68<span class=\"_ _8\"></span> 592<span class=\"_ _131\"> </span></span><span style=\"display:inherit;clear:left;\">55,5<span class=\"_ _c7\"> </span><span class=\"ls6b wsc3\">6<span class=\"_ _8\"></span>2 5<span class=\"_ _8\"></span>67<span class=\"_ _9b\"> </span><span class=\"ls152 ws203\">5<span class=\"_ _a\"></span>5<span class=\"_ _a\"></span>,7</span></span></span><span style=\"display:inherit;clear:left;\">112 30<span class=\"_ _1\"></span>2<span class=\"_ _113\"> </span><span class=\"ls84 wsdf\">10<span class=\"_ _8\"></span>0,0<span class=\"_ _5a\"> </span></span>123 648<span class=\"_ _9e\"> </span><span class=\"ls84 wsdf\">10<span class=\"_ _8\"></span>0,0<span class=\"_ _11a\"> </span></span>Sum n\u00e6ringsliv og personkunder<span class=\"_ _6e\"> </span>123 5<span class=\"_ _1\"></span>99<span class=\"_ _111\"> </span><span class=\"ls84 wsdf\">1<span class=\"_ _8\"></span>00,0<span class=\"_ _10b\"> </span></span>112 27<span class=\"_ _0\"></span>4<span class=\"_ _dc\"> </span><span class=\"ls84 wsdf\">100,0</span></span><span style=\"display:inherit;clear:left;\">Geogr<span class=\"_ _1\"></span>a<span class=\"_ _1\"></span>fisk f<span class=\"_ _1\"></span>or<span class=\"_ _1\"></span>deling</span><span style=\"display:inherit;clear:left;\">8<span class=\"_ _a\"></span>2<span class=\"_ _a\"></span> 3<span class=\"_ _a\"></span>74<span class=\"_ _19a\"> </span></span><span style=\"display:inherit;clear:left;\">73,<span class=\"_ _8\"></span>4<span class=\"_ _a8\"> </span></span><span style=\"display:inherit;clear:left;\">86 9<span class=\"_ _8\"></span>08<span class=\"_ _90\"> </span></span><span style=\"display:inherit;clear:left;\">70,<span class=\"_ _8\"></span>3<span class=\"_ _b8\"> </span></span><span style=\"display:inherit;clear:left;\">V<span class=\"_ _1\"></span>es<span class=\"_ _1\"></span>tland<span class=\"_ _223\"> </span></span><span style=\"display:inherit;clear:left;\">86<span class=\"_ _8\"></span> 859<span class=\"_ _dc\"> </span></span><span style=\"display:inherit;clear:left;\">70,<span class=\"_ _8\"></span>3<span class=\"_ _d8\"> </span><span class=\"ls138 ws1e5\">82 34<span class=\"_ _8\"></span>6<span class=\"_ _9b\"> </span><span class=\"ls12f ws1d9\">73,<span class=\"_ _8\"></span>3</span></span></span><span style=\"display:inherit;clear:left;\">3 157<span class=\"_ _8a\"> </span><span class=\"ls120 ws1cb\">2,8<span class=\"_ _83\"> </span></span>3 4<span class=\"_ _2\"></span>10<span class=\"_ _86\"> </span><span class=\"ls120 ws1cb\">2,8<span class=\"_ _11a\"> </span></span>Rogaland<span class=\"_ _1e4\"> </span>3 4<span class=\"_ _1\"></span>10<span class=\"_ _8a\"> </span><span class=\"ls120 ws1cb\">2,8<span class=\"_ _6b\"> </span></span>3 157<span class=\"_ _5d\"> </span><span class=\"ls120 ws1cb\">2,8</span></span><span style=\"display:inherit;clear:left;\">16 068<span class=\"_ _19a\"> </span>14,3<span class=\"_ _131\"> </span>18 985<span class=\"_ _89\"> </span><span class=\"ls139 ws1e6\">1<span class=\"_ _8\"></span>5,4<span class=\"_ _11a\"> </span></span>M\u00f8re og Romsdal<span class=\"_ _240\"> </span>18 985<span class=\"_ _19a\"> </span><span class=\"ls139 ws1e6\">1<span class=\"_ _8\"></span>5,4<span class=\"_ _131\"> </span></span>16 068<span class=\"_ _107\"> </span>14,3</span><span style=\"display:inherit;clear:left;\">3 450<span class=\"_ _65\"> </span></span><span style=\"display:inherit;clear:left;\">3<span class=\"_ _8\"></span>,1<span class=\"_ _85\"> </span></span><span style=\"display:inherit;clear:left;\">4 815<span class=\"_ _65\"> </span><span class=\"ls84 wsdf\">3,9<span class=\"_ _b8\"> </span></span>Oslo<span class=\"_ _7b\"> </span>4 815<span class=\"_ _83\"> </span><span class=\"ls84 wsdf\">3,9<span class=\"_ _90\"> </span></span></span><span style=\"display:inherit;clear:left;\">3 450<span class=\"_ _98\"> </span><span class=\"ls146 ws1f6\">3<span class=\"_ _8\"></span>,1</span></span><span style=\"display:inherit;clear:left;\">2 75<span class=\"_ _8\"></span>6<span class=\"_ _83\"> </span></span><span style=\"display:inherit;clear:left;\">2,5<span class=\"_ _dd\"> </span></span><span style=\"display:inherit;clear:left;\">4 263<span class=\"_ _189\"> </span><span class=\"ls84 wsdf\">3,4<span class=\"_ _11a\"> </span></span>Viken<span class=\"_ _f5\"> </span>4 263<span class=\"_ _cd\"> </span><span class=\"ls84 wsdf\">3,<span class=\"_ _8\"></span>4<span class=\"_ _cd\"> </span></span></span><span style=\"display:inherit;clear:left;\">2<span class=\"_ _8\"></span> 75<span class=\"_ _8\"></span>6<span class=\"_ _5d\"> </span><span class=\"ls12c ws1d6\">2<span class=\"_ _8\"></span>,5</span></span><span style=\"display:inherit;clear:left;\">2 400<span class=\"_ _8e\"> </span><span class=\"ls146 ws1f6\">2<span class=\"_ _a\"></span>,1<span class=\"_ _85\"> </span><span class=\"ls133 ws1e0\">3 461<span class=\"_ _86\"> </span><span class=\"ls120 ws1cb\">2,8<span class=\"_ _11a\"> </span></span></span></span>Norge f<span class=\"_ _1\"></span>or \u00f8<span class=\"_ _1\"></span>vrig<span class=\"_ _1d1\"> </span></span><span style=\"display:inherit;clear:left;\">3 46<span class=\"_ _8\"></span>1<span class=\"_ _87\"> </span><span class=\"ls120 ws1cb\">2,8<span class=\"_ _b7\"> </span></span></span><span style=\"display:inherit;clear:left;\">2 400<span class=\"_ _14\"> </span><span class=\"ls146 ws1f6\">2<span class=\"_ _a\"></span>,1</span></span><span style=\"display:inherit;clear:left;\">110 20<span class=\"_ _1\"></span>5<span class=\"_ _cb\"> </span><span class=\"ls146 ws1f6\">9<span class=\"_ _a\"></span>8<span class=\"_ _8\"></span>,1<span class=\"_ _10a\"> </span></span>121 84<span class=\"_ _1\"></span>2<span class=\"_ _b7\"> </span><span class=\"ls12c ws1d6\">98,5<span class=\"_ _11a\"> </span></span>Sum Norge<span class=\"_ _275\"> </span>121 79<span class=\"_ _1\"></span>3<span class=\"_ _db\"> </span><span class=\"ls12c ws1d6\">98,5<span class=\"_ _d8\"> </span></span>110 177<span class=\"_ _86\"> </span><span class=\"ls146 ws1f6\">9<span class=\"_ _a\"></span>8<span class=\"_ _a\"></span>,1</span></span><span style=\"display:inherit;clear:left;\">2<span class=\"_ _8\"></span> 0<span class=\"_ _8\"></span>97<span class=\"_ _8e\"> </span></span><span style=\"display:inherit;clear:left;\">1,9<span class=\"_ _83\"> </span></span><span style=\"display:inherit;clear:left;\">1 806<span class=\"_ _ba\"> </span><span class=\"ls12c ws1d6\">1<span class=\"_ _8\"></span>,5<span class=\"_ _11a\"> </span></span>Utlandet<span class=\"_ _14c\"> </span>1 806<span class=\"_ _107\"> </span><span class=\"ls12c ws1d6\">1,5<span class=\"_ _8a\"> </span></span></span><span style=\"display:inherit;clear:left;\">2<span class=\"_ _8\"></span> 0<span class=\"_ _8\"></span>97<span class=\"_ _14\"> </span><span class=\"ls62 wsb6\">1,9</span></span><span style=\"display:inherit;clear:left;\">112 30<span class=\"_ _1\"></span>2<span class=\"_ _113\"> </span><span class=\"ls84 wsdf\">10<span class=\"_ _8\"></span>0,0<span class=\"_ _5a\"> </span></span>123 648<span class=\"_ _9e\"> </span><span class=\"ls84 wsdf\">10<span class=\"_ _8\"></span>0,0<span class=\"_ _11a\"> </span></span>Sum geogr<span class=\"_ _1\"></span>a<span class=\"_ _2\"></span>fisk for<span class=\"_ _1\"></span>deling<span class=\"_ _ca\"> </span>123 599<span class=\"_ _111\"> </span><span class=\"ls84 wsdf\">1<span class=\"_ _8\"></span>00,0<span class=\"_ _10b\"> </span></span>112 27<span class=\"_ _0\"></span>4<span class=\"_ _131\"> </span><span class=\"ls84 wsdf\">1<span class=\"_ _8\"></span>00,0</span></span><span style=\"display:inherit;clear:left;\">Lov<span class=\"_ _1\"></span> om sikringsor<span class=\"_ _1\"></span>dninger<span class=\"_ _1\"></span> for<span class=\"_ _1\"></span> banker<span class=\"_ _1\"></span> og off<span class=\"_ _1\"></span>entlig a<span class=\"_ _1\"></span>dministras<span class=\"_ _1\"></span>jon mv<span class=\"_ _2\"></span>. av<span class=\"_ _1\"></span> finansinstitus<span class=\"_ _1\"></span>joner p\u00e5legger alle spar<span class=\"_ _1\"></span>ebanker<span class=\"_ _1\"></span> \u00e5 v<span class=\"_ _1\"></span>\u00e6re </span><span style=\"display:inherit;clear:left;\">medlem av<span class=\"_ _1\"></span> Bankenes sikringsfond. F<span class=\"_ _1\"></span>ondet plikter \u00e5 dekk<span class=\"_ _1\"></span>e tap som en<span class=\"_ _1\"></span> innsky<span class=\"_ _8\"></span>ter har p\u00e5<span class=\"_ _1\"></span> innskudd i en medlemsinstitusjon med inn<span class=\"_ _1\"></span>til </span><span style=\"display:inherit;clear:left;\">2 mil<span class=\"_ _8\"></span>lion<span class=\"_ _8\"></span>er kro<span class=\"_ _8\"></span>ner av sa<span class=\"_ _8\"></span>mlet i<span class=\"_ _8\"></span>nnsk<span class=\"_ _8\"></span>udd<span class=\"_ _8\"></span>. Med i<span class=\"_ _8\"></span>nnsk<span class=\"_ _8\"></span>udd m<span class=\"_ _8\"></span>ene<span class=\"_ _8\"></span>s enhve<span class=\"_ _8\"></span>r kredi<span class=\"_ _8\"></span>tsa<span class=\"_ _8\"></span>ldo i b<span class=\"_ _8\"></span>anke<span class=\"_ _8\"></span>n i henh<span class=\"_ _8\"></span>old t<span class=\"_ _8\"></span>il konto s<span class=\"_ _8\"></span>om lyde<span class=\"_ _8\"></span>r p\u00e5 navn<span class=\"_ _8\"></span>, samt </span><span style=\"display:inherit;clear:left;\">forpliktelser etter innskuddsbevis til na<span class=\"_ _1\"></span>vngitt person. Innbetaling til Bankenes sikringsfond f<span class=\"_ _1\"></span>astsettes i henhold til bestemmelser i </span><span style=\"display:inherit;clear:left;\">Banksikringsloven.</span><span style=\"display:inherit;clear:left;\">No<span class=\"_ _1\"></span>te 39 Gje<span class=\"_ _1\"></span>ld stif<span class=\"_ _1\"></span>te<span class=\"_ _1\"></span>t v<span class=\"_ _1\"></span>ed u<span class=\"_ _1\"></span>tst<span class=\"_ _1\"></span>edel<span class=\"_ _1\"></span>se a<span class=\"_ _2\"></span>v ver<span class=\"_ _1\"></span>dipa<span class=\"_ _1\"></span>pirer</span><span style=\"display:inherit;clear:left;\">Gjeld stiftet<span class=\"_ _1\"></span> ved u<span class=\"_ _1\"></span>tstedelse a<span class=\"_ _1\"></span>v v<span class=\"_ _1\"></span>erdipapir<span class=\"_ _1\"></span>er er<span class=\"_ _1\"></span> klassifisert som vurdert til amortisert kost,<span class=\"_ _1\"></span> utpekt til sikringsbokf\u00f8ring, eller<span class=\"_ _1\"></span> </span><span style=\"display:inherit;clear:left;\">bestemt regnskapsf\u00f8rt til virkelig<span class=\"_ _1\"></span> verdi.<span class=\"_ _1\"></span> Regnskapsme<span class=\"_ _8\"></span>ssig behandling av<span class=\"_ _1\"></span> sikringsbok<span class=\"_ _8\"></span>f\u00f8ring og<span class=\"_ _1\"></span> verdien<span class=\"_ _1\"></span> av<span class=\"_ _1\"></span> sikringsinstrumentene </span><span style=\"display:inherit;clear:left;\">fremko<span class=\"_ _8\"></span>mme<span class=\"_ _8\"></span>r av note 4, men<span class=\"_ _8\"></span>s resul<span class=\"_ _8\"></span>tatf\u00f8<span class=\"_ _8\"></span>rt s<span class=\"_ _8\"></span>ikri<span class=\"_ _8\"></span>ngsi<span class=\"_ _8\"></span>nef<span class=\"_ _8\"></span>fek<span class=\"_ _8\"></span>tivi<span class=\"_ _8\"></span>tet fremko<span class=\"_ _8\"></span>mme<span class=\"_ _8\"></span>r av note 25.</span><span style=\"display:inherit;clear:left;\">MORBANK<span class=\"_ _2ca\"> </span>KONSERN</span><span style=\"display:inherit;clear:left;\">V<span class=\"_ _2\"></span>aluta <span class=\"_ _2d9\"> </span>31/12<span class=\"_ _1\"></span>-22<span class=\"_ _26d\"> </span>31/12<span class=\"_ _1\"></span>-2<span class=\"_ _1\"></span>3<span class=\"_ _10d\"> </span>31/12-<span class=\"_ _1\"></span>23<span class=\"_ _57\"> </span>31/12<span class=\"_ _1\"></span>-22</span><span style=\"display:inherit;clear:left;\">NOK<span class=\"_ _26b\"> </span>16 134<span class=\"_ _c3\"> </span></span><span style=\"display:inherit;clear:left;\">20 5<span class=\"_ _8\"></span>33<span class=\"_ _146\"> </span><span class=\"ls4a ws9d\">76<span class=\"_ _8\"></span> 38<span class=\"_ _8\"></span>0<span class=\"_ _5b\"> </span></span></span><span style=\"display:inherit;clear:left;\">5<span class=\"_ _1\"></span>9 296</span><span style=\"display:inherit;clear:left;\">EUR <span class=\"_ _2da\"> </span><span class=\"ls12c ws1d6\">1 4<span class=\"_ _8\"></span>30<span class=\"_ _a8\"> </span></span>1 406<span class=\"_ _42\"> </span><span class=\"ls83 wsdd\">60 625<span class=\"_ _5c\"> </span></span>54 7<span class=\"_ _1\"></span>22</span><span style=\"display:inherit;clear:left;\">SEK <span class=\"_ _238\"> </span>0<span class=\"_ _78\"> </span>0<span class=\"_ _d3\"> </span><span class=\"ls137 ws1e4\">8<span class=\"_ _8\"></span> 72<span class=\"_ _8\"></span>9<span class=\"_ _8a\"> </span></span>5 119</span><span style=\"display:inherit;clear:left;\">ANDRE<span class=\"_ _2b6\"> </span><span class=\"ls138 ws1e5\">699<span class=\"_ _85\"> </span><span class=\"ls140 ws1ee\">74<span class=\"_ _a\"></span>9<span class=\"_ _e4\"> </span>74<span class=\"_ _a\"></span>9<span class=\"_ _6f\"> </span></span>69<span class=\"_ _8\"></span>9</span></span><span style=\"display:inherit;clear:left;\">Sum ver<span class=\"_ _2\"></span>dipapirgeld<span class=\"_ _1e3\"> </span>18 262<span class=\"_ _10e\"> </span>22 689<span class=\"_ _10d\"> </span>146 484<span class=\"_ _eb\"> </span>119 836</span><span style=\"display:inherit;clear:left;\">K<span class=\"_ _1\"></span>ONSERN</span><span style=\"display:inherit;clear:left;\">F<span class=\"_ _2\"></span>orfalt/ </span><span style=\"display:inherit;clear:left;\">V<span class=\"_ _2\"></span>alutakurs </span><span style=\"display:inherit;clear:left;\">\u00d8vrige <span class=\"_ _4\"></span> </span><span style=\"display:inherit;clear:left;\">Balanse</span><span style=\"display:inherit;clear:left;\">Emittert</span><span style=\"display:inherit;clear:left;\">innl\u00f8st</span><span style=\"display:inherit;clear:left;\">endring</span><span style=\"display:inherit;clear:left;\">endringer</span><span style=\"display:inherit;clear:left;\">Balanse</span><span style=\"display:inherit;clear:left;\">31/12<span class=\"_ _1\"></span>-22</span><span style=\"display:inherit;clear:left;\">2023</span><span style=\"display:inherit;clear:left;\">2023</span><span style=\"display:inherit;clear:left;\">2023</span><span style=\"display:inherit;clear:left;\">2023</span><span style=\"display:inherit;clear:left;\">31/12<span class=\"_ _1\"></span>-2<span class=\"_ _1\"></span>3<span class=\"_ _2db\"></span>Endring i ver<span class=\"_ _2\"></span>dipapirgjeld</span><span style=\"display:inherit;clear:left;\">Senior obligasjoner og sertifika<span class=\"_ _1\"></span>ter<span class=\"_ _16f\"> </span>11 567<span class=\"_ _86\"> </span>2 000<span class=\"_ _87\"> </span><span class=\"ls6 ws6\">-1<span class=\"_ _8\"></span> 4<span class=\"_ _8\"></span>6<span class=\"_ _a\"></span>0<span class=\"_ _4a\"> </span></span>119<span class=\"_ _92\"> </span><span class=\"ls82 ws14b\">156<span class=\"_ _94\"> </span></span>12 382</span><span style=\"display:inherit;clear:left;\">Senior et<span class=\"_ _1\"></span>ter<span class=\"_ _1\"></span>stilt<span class=\"_ _1\"></span>e obligasjoner<span class=\"_ _24\"> </span><span class=\"ls138 ws1e5\">6<span class=\"_ _8\"></span> 695<span class=\"_ _6e\"> </span></span>3 500<span class=\"_ _118\"> </span>0<span class=\"_ _13\"> </span>0<span class=\"_ _9d\"> </span>111<span class=\"_ _6f\"> </span>10 306</span><span style=\"display:inherit;clear:left;\">Obligasjoner med f<span class=\"_ _1\"></span>ortrinnsre<span class=\"_ _1\"></span>t<span class=\"_ _1\"></span>t<span class=\"_ _2dc\"> </span>101 5<span class=\"_ _1\"></span>7<span class=\"_ _1\"></span>3<span class=\"_ _8e\"> </span><span class=\"ls12f ws1d9\">3<span class=\"_ _8\"></span>1<span class=\"_ _8\"></span> 738<span class=\"_ _131\"> </span></span>-16 00<span class=\"_ _1\"></span>3<span class=\"_ _94\"> </span>4 100<span class=\"_ _5d\"> </span><span class=\"ls132 ws1de\">2 3<span class=\"_ _8\"></span>87<span class=\"_ _83\"> </span></span>123 7<span class=\"_ _1\"></span>96</span><span style=\"display:inherit;clear:left;\">Sum ver<span class=\"_ _2\"></span>dipapirgjeld<span class=\"_ _21f\"> </span>119 83<span class=\"_ _1\"></span>6<span class=\"_ _87\"> </span><span class=\"ls61 wsb5\">37<span class=\"_ _8\"></span> 2<span class=\"_ _8\"></span>3<span class=\"_ _8\"></span>8<span class=\"_ _db\"> </span></span>-<span class=\"_ _1\"></span>17 46<span class=\"_ _1\"></span>2<span class=\"_ _94\"> </span>4 219<span class=\"_ _6f\"> </span>2 654<span class=\"_ _c9\"> </span>146 484</span><span style=\"display:inherit;clear:left;\">Hera<span class=\"_ _2\"></span>v gr\u00f8nne obligasjoner (til p\u00e5lydende)<span class=\"_ _253\"> </span><span class=\"ls21 ws175\">35<span class=\"_ _8\"></span> 235</span></span><span style=\"display:inherit;clear:left;\">Def<span class=\"_ _8\"></span>ini<span class=\"_ _8\"></span>sjon<span class=\"_ _8\"></span>en p\u00e5 e<span class=\"_ _8\"></span>n gr\u00f8n<span class=\"_ _8\"></span>n obl<span class=\"_ _8\"></span>iga<span class=\"_ _8\"></span>sjon e<span class=\"_ _8\"></span>r at midl<span class=\"_ _8\"></span>ene s<span class=\"_ _8\"></span>om he<span class=\"_ _8\"></span>ntes g<span class=\"_ _a\"></span>jen<span class=\"_ _8\"></span>nom et g<span class=\"_ _8\"></span>r\u00f8nt o<span class=\"_ _8\"></span>bli<span class=\"_ _8\"></span>gasj<span class=\"_ _8\"></span>ons<span class=\"_ _8\"></span>l\u00e5n ute<span class=\"_ _8\"></span>lukke<span class=\"_ _8\"></span>nde s<span class=\"_ _8\"></span>kal b<span class=\"_ _8\"></span>enyt<span class=\"_ _8\"></span>tes t<span class=\"_ _8\"></span>il \u00e5 </span><span style=\"display:inherit;clear:left;\">finansiere<span class=\"_ _1\"></span> klima<span class=\"_ _1\"></span>- og<span class=\"_ _1\"></span> milj\u00f8v<span class=\"_ _1\"></span>ennlige<span class=\"_ _1\"></span> prosjekt. K<span class=\"_ _1\"></span>v<span class=\"_ _1\"></span>alifiserte gr\u00f8nne<span class=\"_ _1\"></span> prosjekt kan dr<span class=\"_ _1\"></span>eie seg<span class=\"_ _1\"></span> om forn<span class=\"_ _1\"></span>ybar ener<span class=\"_ _1\"></span>gi, energieffektivisering, </span><span style=\"display:inherit;clear:left;\">b\u00e6rekr<span class=\"_ _1\"></span>aftig a<span class=\"_ _1\"></span>vfallsh\u00e5ndt<span class=\"_ _1\"></span>ering, b\u00e6rekr<span class=\"_ _1\"></span>aftig ar<span class=\"_ _1\"></span>ealbruk, bev<span class=\"_ _1\"></span>aring a<span class=\"_ _1\"></span>v biologisk mangfold,<span class=\"_ _1\"></span> ren tr<span class=\"_ _1\"></span>ansport, forhindring<span class=\"_ _1\"></span> a<span class=\"_ _1\"></span>v klima<span class=\"_ _1\"></span>-</span><span style=\"display:inherit;clear:left;\">end<span class=\"_ _8\"></span>rin<span class=\"_ _8\"></span>ger ell<span class=\"_ _8\"></span>er kl<span class=\"_ _8\"></span>imati<span class=\"_ _8\"></span>lpas<span class=\"_ _8\"></span>ning<span class=\"_ _8\"></span>. De<span class=\"_ _8\"></span>t er et krav at en uavhe<span class=\"_ _8\"></span>ng<span class=\"_ _8\"></span>ig vu<span class=\"_ _8\"></span>rder<span class=\"_ _8\"></span>ing av pros<span class=\"_ _8\"></span>jek<span class=\"_ _8\"></span>tet of<span class=\"_ _8\"></span>fentli<span class=\"_ _8\"></span>g<span class=\"_ _8\"></span>g<span class=\"_ _8\"></span>j<span class=\"_ _8\"></span>\u00f8res s<span class=\"_ _8\"></span>lik at inves<span class=\"_ _8\"></span>toren<span class=\"_ _8\"></span>e skal h<span class=\"_ _8\"></span>a </span><span style=\"display:inherit;clear:left;\">innsyn<span class=\"_ _1\"></span> i prosjektets<span class=\"_ _1\"></span> klima<span class=\"_ _1\"></span>- og<span class=\"_ _1\"></span> milj\u00f8messige sider<span class=\"_ _2\"></span>. Bank<span class=\"_ _1\"></span>ens gr\u00f8nne<span class=\"_ _1\"></span> obligasjonsramme<span class=\"_ _1\"></span>verk<span class=\"_ _1\"></span> har identifisert pr<span class=\"_ _1\"></span>osjekter innen gr<span class=\"_ _1\"></span>\u00f8nn </span><span style=\"display:inherit;clear:left;\">boligeiendom, gr\u00f8nn<span class=\"_ _1\"></span> n\u00e6ringseiendom og f<span class=\"_ _1\"></span>orn<span class=\"_ _1\"></span>ybar energi.</span><span style=\"display:inherit;clear:left;\">F<span class=\"_ _2\"></span>orfalt/ </span><span style=\"display:inherit;clear:left;\">V<span class=\"_ _2\"></span>alutakurs </span><span style=\"display:inherit;clear:left;\">\u00d8vrige <span class=\"_ _4\"></span> </span><span style=\"display:inherit;clear:left;\">Balanse</span><span style=\"display:inherit;clear:left;\">Emittert</span><span style=\"display:inherit;clear:left;\">innl\u00f8st</span><span style=\"display:inherit;clear:left;\">endring</span><span style=\"display:inherit;clear:left;\">endringer</span><span style=\"display:inherit;clear:left;\">Balanse</span><span style=\"display:inherit;clear:left;\">31/12<span class=\"_ _1\"></span>-21</span><span style=\"display:inherit;clear:left;\">2022</span><span style=\"display:inherit;clear:left;\">2022</span><span style=\"display:inherit;clear:left;\">2022</span><span style=\"display:inherit;clear:left;\">2022</span><span style=\"display:inherit;clear:left;\">31/12<span class=\"_ _1\"></span>-22<span class=\"_ _2db\"></span>Endring i v<span class=\"_ _1\"></span>er<span class=\"_ _1\"></span>dipapir<span class=\"_ _1\"></span>gjeld</span><span style=\"display:inherit;clear:left;\">Senior obligasjoner og sertifika<span class=\"_ _1\"></span>ter<span class=\"_ _e2\"> </span>13 854<span class=\"_ _6e\"> </span><span class=\"lsf6 ws158\">4<span class=\"_ _8\"></span> 392<span class=\"_ _dd\"> </span></span>-6 467<span class=\"_ _96\"> </span>114<span class=\"_ _18\"> </span><span class=\"ls125 ws1cf\">-326<span class=\"_ _72\"> </span></span>11 56<span class=\"_ _1\"></span>7</span><span style=\"display:inherit;clear:left;\">Senior et<span class=\"_ _1\"></span>ter<span class=\"_ _1\"></span>stilt<span class=\"_ _1\"></span>e obligasjoner<span class=\"_ _240\"> </span>4 140<span class=\"_ _108\"> </span>2 600<span class=\"_ _9c\"> </span>0<span class=\"_ _10c\"> </span>0<span class=\"_ _10\"> </span><span class=\"ls82 ws14b\">-45<span class=\"_ _12\"> </span><span class=\"ls138 ws1e5\">6 69<span class=\"_ _8\"></span>5</span></span></span><span style=\"display:inherit;clear:left;\">Obligasjoner med f<span class=\"_ _1\"></span>ortrinnsre<span class=\"_ _1\"></span>t<span class=\"_ _1\"></span>t<span class=\"_ _202\"> </span>95 818<span class=\"_ _83\"> </span>22 7<span class=\"_ _2\"></span>43<span class=\"_ _cd\"> </span>-<span class=\"_ _1\"></span>13 118<span class=\"_ _5d\"> </span></span><span style=\"display:inherit;clear:left;\">2<span class=\"_ _8\"></span> 051<span class=\"_ _107\"> </span><span class=\"ls125 ws1cf\">-<span class=\"_ _8\"></span>5 920<span class=\"_ _9b\"> </span></span></span><span style=\"display:inherit;clear:left;\">101 5<span class=\"_ _1\"></span>7<span class=\"_ _1\"></span></span><span style=\"display:inherit;clear:left;\">Sum ver<span class=\"_ _2\"></span>dipapirgjeld<span class=\"_ _2dd\"> </span>113 812<span class=\"_ _8a\"> </span><span class=\"ls12f ws1d9\">29<span class=\"_ _8\"></span> 73<span class=\"_ _8\"></span>5<span class=\"_ _131\"> </span></span>-<span class=\"_ _1\"></span>19 58<span class=\"_ _1\"></span>5<span class=\"_ _5d\"> </span>2 165<span class=\"_ _8e\"> </span>-6 291<span class=\"_ _8a\"> </span>119 836</span><span style=\"display:inherit;clear:left;\">Hera<span class=\"_ _2\"></span>v gr\u00f8nne obligasjoner (til p\u00e5lydende)<span class=\"_ _24b\"> </span>22 650</span><span style=\"display:inherit;clear:left;\">F<span class=\"_ _2\"></span>orfallstidspunkt v<span class=\"_ _1\"></span>er<span class=\"_ _1\"></span>dipapir<span class=\"_ _1\"></span>gjeld:<span class=\"_ _af\"> </span>NOK<span class=\"_ _26d\"> </span>V<span class=\"_ _1\"></span>aluta i NOK<span class=\"_ _1b\"> </span>T<span class=\"_ _2\"></span>otalt</span><span style=\"display:inherit;clear:left;\">20<span class=\"_ _8\"></span>24<span class=\"_ _204\"> </span></span><span style=\"display:inherit;clear:left;\">9 353<span class=\"_ _11\"> </span><span class=\"ls6 ws6\">7<span class=\"_ _8\"></span> 072<span class=\"_ _94\"> </span><span class=\"ls0 ws0\">16 4<span class=\"_ _1\"></span>2<span class=\"_ _1\"></span>5</span></span></span><span style=\"display:inherit;clear:left;\">2025<span class=\"_ _2de\"> </span><span class=\"ls0 ws0\">16 250<span class=\"_ _6e\"> </span>17 45<span class=\"_ _1\"></span>2<span class=\"_ _86\"> </span><span class=\"ls4a ws9d\">3<span class=\"_ _8\"></span>3<span class=\"_ _8\"></span> 702</span></span></span><span style=\"display:inherit;clear:left;\">2026<span class=\"_ _2df\"> </span><span class=\"ls0 ws0\">14 7<span class=\"_ _1\"></span>00<span class=\"_ _6e\"> </span>16 896<span class=\"_ _ba\"> </span>31 596</span></span><span style=\"display:inherit;clear:left;\">2027<span class=\"_ _2e0\"> </span></span><span style=\"display:inherit;clear:left;\">12 650<span class=\"_ _65\"> </span><span class=\"ls82 ws14b\">14<span class=\"_ _8\"></span> 080<span class=\"_ _86\"> </span><span class=\"ls12f ws1d9\">26<span class=\"_ _8\"></span> 73<span class=\"_ _8\"></span>0</span></span></span><span style=\"display:inherit;clear:left;\">2028<span class=\"_ _2e1\"> </span><span class=\"ls0 ws0\">20 65<span class=\"_ _1\"></span>0<span class=\"_ _12\"> </span>8 688<span class=\"_ _65\"> </span><span class=\"ls125 ws1cf\">29<span class=\"_ _8\"></span> 338</span></span></span><span style=\"display:inherit;clear:left;\">2029<span class=\"_ _2e2\"> </span><span class=\"ls31 ws81\">750<span class=\"_ _2e3\"> </span>750</span></span><span style=\"display:inherit;clear:left;\">2030<span class=\"_ _2e4\"> </span><span class=\"ls82 ws14b\">563<span class=\"_ _3d\"> </span>563</span></span><span style=\"display:inherit;clear:left;\">2031<span class=\"_ _2e5\"> </span><span class=\"ls0 ws0\">8 448<span class=\"_ _93\"> </span>8 448</span></span><span style=\"display:inherit;clear:left;\">2032<span class=\"_ _2e6\"> </span><span class=\"ls0 ws0\">0</span></span><span style=\"display:inherit;clear:left;\">2033<span class=\"_ _2e2\"> </span><span class=\"ls21 ws175\">850<span class=\"_ _215\"> </span>850</span></span><span style=\"display:inherit;clear:left;\">2034-<span class=\"_ _2e7\"> </span><span class=\"ls82 ws14b\">650<span class=\"_ _215\"> </span>650</span></span><span style=\"display:inherit;clear:left;\">T<span class=\"_ _0\"></span>otal ver<span class=\"_ _2\"></span>dipapirgjeld, p\u00e5ly<span class=\"_ _1\"></span>dende<span class=\"_ _1b8\"> </span><span class=\"ls82 ws14b\">75 853<span class=\"_ _6e\"> </span></span>7<span class=\"_ _1\"></span>3 199<span class=\"_ _b7\"> </span>14<span class=\"_ _1\"></span>9 05<span class=\"_ _1\"></span>2</span><span style=\"display:inherit;clear:left;\">MORBANK</span><span style=\"display:inherit;clear:left;\">31/12<span class=\"_ _1\"></span>-2<span class=\"_ _1\"></span>3</span><span style=\"display:inherit;clear:left;\">31/12<span class=\"_ _1\"></span>-22</span><span style=\"display:inherit;clear:left;\">V<span class=\"_ _1\"></span>ur<span class=\"_ _1\"></span>dert til amortisert kos<span class=\"_ _1\"></span>t<span class=\"_ _2e8\"> </span>P\u00e5ly<span class=\"_ _2\"></span>dende</span><span style=\"display:inherit;clear:left;\">Balansev<span class=\"_ _1\"></span>er<span class=\"_ _1\"></span>di</span><span style=\"display:inherit;clear:left;\">Balansev<span class=\"_ _1\"></span>er<span class=\"_ _1\"></span>di</span><span style=\"display:inherit;clear:left;\">NOK<span class=\"_ _107\"> </span>12 336<span class=\"_ _74\"> </span>12 4<span class=\"_ _2\"></span>14<span class=\"_ _72\"> </span>10 023</span><span style=\"display:inherit;clear:left;\">Best<span class=\"_ _1\"></span>em<span class=\"_ _1\"></span>t r<span class=\"_ _1\"></span>egnskaps<span class=\"_ _1\"></span>f<span class=\"_ _1\"></span>\u00f8rt til virkelig v<span class=\"_ _1\"></span>er<span class=\"_ _1\"></span>di</span><span style=\"display:inherit;clear:left;\">NOK<span class=\"_ _74\"> </span>8 100<span class=\"_ _3e\"> </span>8 118<span class=\"_ _68\"> </span>6 111</span><span style=\"display:inherit;clear:left;\">EUR<span class=\"_ _74\"> </span>1 4<span class=\"_ _1\"></span>64<span class=\"_ _98\"> </span>1 406<span class=\"_ _75\"> </span><span class=\"ls12c ws1d6\">1 430</span></span><span style=\"display:inherit;clear:left;\">USD<span class=\"_ _75\"> </span></span><span style=\"display:inherit;clear:left;\">76<span class=\"_ _8\"></span>4<span class=\"_ _a1\"> </span><span class=\"ls140 ws1ee\">74<span class=\"_ _8\"></span>9<span class=\"_ _118\"> </span><span class=\"ls138 ws1e5\">69<span class=\"_ _8\"></span>9</span></span></span><span style=\"display:inherit;clear:left;\">10 2<span class=\"_ _1\"></span>7<span class=\"_ _0\"></span>4<span class=\"_ _3e\"> </span><span class=\"ls136 ws1e3\">8 2<span class=\"_ _8\"></span>39</span></span><span style=\"display:inherit;clear:left;\">Gjeld stift<span class=\"_ _1\"></span>e<span class=\"_ _1\"></span>t v<span class=\"_ _1\"></span>ed uts<span class=\"_ _1\"></span>tedelse a<span class=\"_ _2\"></span>v ver<span class=\"_ _1\"></span>dipapir<span class=\"_ _1\"></span>er<span class=\"_ _140\"> </span>22 689<span class=\"_ _93\"> </span>18 262</span><span style=\"display:inherit;clear:left;\">Note 40 A<span class=\"_ _8\"></span>ns<span class=\"_ _8\"></span>varlig l\u00e5nekapital og f<span class=\"_ _2\"></span>ondsobl<span class=\"_ _8\"></span>igasj<span class=\"_ _1\"></span>onsl\u00e5n</span><span style=\"display:inherit;clear:left;\">Ansv<span class=\"_ _1\"></span>arlig l\u00e5n<span class=\"_ _2cb\"> </span>Balanse<span class=\"_ _1\"></span>v<span class=\"_ _1\"></span>er<span class=\"_ _1\"></span>di</span><span style=\"display:inherit;clear:left;\">Opptak<span class=\"_ _1\"></span>s\u00e5r<span class=\"_ _130\"> </span>P\u00e5ly<span class=\"_ _1\"></span>dende<span class=\"_ _37\"> </span><span class=\"ls125 ws1cf\">Re<span class=\"_ _8\"></span>nte<span class=\"_ _f0\"> </span></span>Innl\u00f8sningsre<span class=\"_ _1\"></span>tt<span class=\"_ _189\"> </span>31/12<span class=\"_ _1\"></span>-2<span class=\"_ _1\"></span>02<span class=\"_ _1\"></span>3<span class=\"_ _b9\"> </span>3<span class=\"_ _1\"></span>1/12-<span class=\"_ _1\"></span>2<span class=\"_ _1\"></span>022</span><span style=\"display:inherit;clear:left;\">2018<span class=\"_ _2e9\"> </span><span class=\"ls0 ws0\">Ansv<span class=\"_ _1\"></span>arlig l\u00e5n<span class=\"_ _20e\"> </span>NOK <span class=\"_ _dd\"> </span>0<span class=\"_ _28c\"> </span>3 mnd NIBOR + 1,2 %<span class=\"_ _ea\"> </span>Call opsjon 28/0<span class=\"_ _1\"></span>3-<span class=\"_ _1\"></span>23<span class=\"_ _10c\"> </span>0<span class=\"_ _8b\"> </span><span class=\"ls61 wsb5\">370</span></span></span><span style=\"display:inherit;clear:left;\">2018<span class=\"_ _2e9\"> </span><span class=\"ls0 ws0\">Ansv<span class=\"_ _1\"></span>arlig l\u00e5n<span class=\"_ _20e\"> </span>NOK <span class=\"_ _dd\"> </span>0<span class=\"_ _28c\"> </span>3 mnd NIBOR + 1,65 %<span class=\"_ _59\"> </span>Call opsjon 23/11-23<span class=\"_ _110\"> </span>0<span class=\"_ _75\"> </span><span class=\"lsf6 ws158\">302</span></span></span><span style=\"display:inherit;clear:left;\">1</span><span style=\"display:inherit;clear:left;\">2018<span class=\"_ _2e9\"> </span></span><span style=\"display:inherit;clear:left;\">Ansv<span class=\"_ _1\"></span>arlig l\u00e5n</span><span style=\"display:inherit;clear:left;\">NOK<span class=\"_ _83\"> </span>0<span class=\"_ _37\"> </span>3 mnd NIBOR + 2,5 %<span class=\"_ _111\"> </span>Call opsjon 26/0<span class=\"_ _1\"></span>1-2<span class=\"_ _1\"></span>3<span class=\"_ _116\"> </span>0<span class=\"_ _9d\"> </span><span class=\"ls83 wsdd\">25</span></span><span style=\"display:inherit;clear:left;\">2019<span class=\"_ _2e9\"> </span></span><span style=\"display:inherit;clear:left;\">Ansv<span class=\"_ _1\"></span>arlig l\u00e5n<span class=\"_ _9d\"> </span>NOK<span class=\"_ _c6\"> </span><span class=\"ls82 ws14b\">500<span class=\"_ _37\"> </span></span>3 mnd NIBOR + 1,42 %<span class=\"_ _59\"> </span>Call opsjon 14/05-2<span class=\"_ _2\"></span>4<span class=\"_ _75\"> </span><span class=\"ls108 ws16a\">504<span class=\"_ _91\"> </span><span class=\"ls136 ws1e3\">503</span></span></span><span style=\"display:inherit;clear:left;\">2021<span class=\"_ _2e9\"> </span></span><span style=\"display:inherit;clear:left;\">Ansv<span class=\"_ _1\"></span>arlig l\u00e5n<span class=\"_ _20e\"> </span>NOK<span class=\"_ _c6\"> </span><span class=\"ls12c ws1d6\">300<span class=\"_ _28c\"> </span></span>3 mnd NIBOR + 0,9 %<span class=\"_ _5a\"> </span>Call opsjon 2<span class=\"_ _2\"></span>4/02-<span class=\"_ _1\"></span>2<span class=\"_ _1\"></span>6<span class=\"_ _91\"> </span><span class=\"lsf6 ws158\">302<span class=\"_ _92\"> </span><span class=\"ls12c ws1d6\">301</span></span></span><span style=\"display:inherit;clear:left;\">2021<span class=\"_ _2e9\"> </span></span><span style=\"display:inherit;clear:left;\">Ansv<span class=\"_ _1\"></span>arlig l\u00e5n<span class=\"_ _20e\"> </span>NOK<span class=\"_ _a5\"> </span><span class=\"ls82 ws14b\">350<span class=\"_ _37\"> </span></span>3 mnd NIBOR + 1,0 %<span class=\"_ _a5\"> </span>Call opsjon 21/10-2<span class=\"_ _1\"></span>6<span class=\"_ _3d\"> </span><span class=\"ls133 ws1e0\">354<span class=\"_ _91\"> </span><span class=\"lsa wsa\">353</span></span></span><span style=\"display:inherit;clear:left;\">2023<span class=\"_ _112\"> </span><span class=\"ls0 ws0\">Ans<span class=\"_ _1\"></span>v<span class=\"_ _1\"></span>arlig l\u00e5n<span class=\"_ _20e\"> </span>NOK<span class=\"_ _19\"> </span><span class=\"ls82 ws14b\">50<span class=\"_ _8\"></span>0<span class=\"_ _37\"> </span></span>3 mnd NIBOR + 1,95 %<span class=\"_ _2ea\"> </span>Call opsjon 10/05-2<span class=\"_ _1\"></span>8<span class=\"_ _9a\"> </span><span class=\"ls136 ws1e3\">503<span class=\"_ _10c\"> </span></span>0</span></span><span style=\"display:inherit;clear:left;\">2023<span class=\"_ _112\"> </span><span class=\"ls0 ws0\">Ansv<span class=\"_ _2\"></span>arlig l\u00e5n<span class=\"_ _97\"> </span>NOK<span class=\"_ _19\"> </span><span class=\"ls82 ws14b\">500<span class=\"_ _28c\"> </span></span>3 mnd NIBOR + 2,<span class=\"_ _2\"></span>15 %<span class=\"_ _d0\"> </span>Call opsjon 22/08-2<span class=\"_ _1\"></span>8<span class=\"_ _75\"> </span><span class=\"lsf6 ws158\">502<span class=\"_ _10c\"> </span></span>0</span></span><span style=\"display:inherit;clear:left;\">Ansv<span class=\"_ _1\"></span>arlig l\u00e5nekap<span class=\"_ _1\"></span>. vur<span class=\"_ _1\"></span>dert til amortisert kos<span class=\"_ _1\"></span>t<span class=\"_ _a8\"> </span>2 150<span class=\"_ _79\"> </span>2 165<span class=\"_ _93\"> </span><span class=\"ls82 ws14b\">1 855</span></span><span style=\"display:inherit;clear:left;\">Inng\u00e5ende </span><span style=\"display:inherit;clear:left;\">F<span class=\"_ _2\"></span>orfalt/ </span><span style=\"display:inherit;clear:left;\">\u00d8vrige <span class=\"_ _4\"></span> </span><span style=\"display:inherit;clear:left;\">Utg\u00e5ende </span><span style=\"display:inherit;clear:left;\">Endring i ansv<span class=\"_ _1\"></span>arlig l\u00e5n</span><span style=\"display:inherit;clear:left;\">balanse<span class=\"_ _cc\"> </span>Emittert</span><span style=\"display:inherit;clear:left;\">innl\u00f8st</span><span style=\"display:inherit;clear:left;\">endringer</span><span style=\"display:inherit;clear:left;\">balanse</span><span style=\"display:inherit;clear:left;\">Ansv<span class=\"_ _1\"></span>arlig l\u00e5nekapital 2<span class=\"_ _1\"></span>0<span class=\"_ _1\"></span>23<span class=\"_ _214\"> </span><span class=\"ls21 ws175\">1 855<span class=\"_ _98\"> </span></span>1 000<span class=\"_ _11\"> </span><span class=\"ls138 ws1e5\">-69<span class=\"_ _8\"></span>5<span class=\"_ _df\"> </span></span>6<span class=\"_ _5d\"> </span><span class=\"ff1\">2 165</span></span><span style=\"display:inherit;clear:left;\">2</span><span style=\"display:inherit;clear:left;\">Ansv<span class=\"_ _1\"></span>arlig l\u00e5nekapital 2<span class=\"_ _1\"></span>0<span class=\"_ _1\"></span>22</span><span style=\"display:inherit;clear:left;\"> <span class=\"_ _122\"> </span><span class=\"ls61 wsb5\">1 9<span class=\"_ _8\"></span>37<span class=\"_ _23f\"> </span></span>0<span class=\"_ _8b\"> </span>-<span class=\"_ _1\"></span>112<span class=\"_ _92\"> </span><span class=\"ls12c ws1d6\">30<span class=\"_ _93\"> </span><span class=\"ff1 ls82 ws14b\">1 855</span></span></span><span style=\"display:inherit;clear:left;\">F<span class=\"_ _1\"></span>ondsobligasjoner klassifisert som<span class=\"_ _1\"></span> egenkapital</span><span style=\"display:inherit;clear:left;\">F<span class=\"_ _1\"></span>ondsobligasjon<span class=\"_ _8\"></span>er som ikk<span class=\"_ _1\"></span>e tilfr<span class=\"_ _1\"></span>edsstiller definisjonen av finansiell f<span class=\"_ _1\"></span>orpliktelse i henhold til IAS 32<span class=\"_ _1\"></span>, er klassifisert som egenkapital.</span><span style=\"display:inherit;clear:left;\">Balansev<span class=\"_ _1\"></span>er<span class=\"_ _1\"></span>di</span><span style=\"display:inherit;clear:left;\">Opptak<span class=\"_ _1\"></span>s\u00e5r<span class=\"_ _2eb\"> </span>P\u00e5ly<span class=\"_ _2\"></span>dende<span class=\"_ _57\"> </span><span class=\"ls125 ws1cf\">Re<span class=\"_ _8\"></span>nte<span class=\"_ _f0\"> </span></span>Innl\u00f8sningsre<span class=\"_ _1\"></span>tt<span class=\"_ _189\"> </span>31/12-<span class=\"_ _1\"></span>2<span class=\"_ _1\"></span>02<span class=\"_ _1\"></span>3<span class=\"_ _59\"> </span>31/12<span class=\"_ _1\"></span>-2<span class=\"_ _1\"></span>022</span><span style=\"display:inherit;clear:left;\">2018<span class=\"_ _2e9\"> </span><span class=\"ls0 ws0\">F<span class=\"_ _2\"></span>ondsobligasjonsl\u00e5n<span class=\"_ _19\"> </span>NOK<span class=\"_ _dd\"> </span>0<span class=\"_ _37\"> </span>3 mnd NIBOR + 2,85 %<span class=\"_ _57\"> </span>Call opsjon 23/03-<span class=\"_ _1\"></span>23<span class=\"_ _10c\"> </span>0<span class=\"_ _96\"> </span><span class=\"ls83 wsdd\">25<span class=\"_ _8\"></span>0</span></span></span><span style=\"display:inherit;clear:left;\">1</span><span style=\"display:inherit;clear:left;\">2018<span class=\"_ _2e9\"> </span></span><span style=\"display:inherit;clear:left;\">F<span class=\"_ _2\"></span>ondsobligasjonsl\u00e5n</span><span style=\"display:inherit;clear:left;\">NOK<span class=\"_ _dd\"> </span>0<span class=\"_ _37\"> </span>3 mnd NIBOR + 3,85 %<span class=\"_ _57\"> </span>Call opsjon 21/03-2<span class=\"_ _1\"></span>3<span class=\"_ _49\"> </span>0<span class=\"_ _25\"> </span><span class=\"ls125 ws1cf\">20</span></span><span style=\"display:inherit;clear:left;\">2018<span class=\"_ _2e9\"> </span><span class=\"ls0 ws0\">F<span class=\"_ _2\"></span>ondsobligasjonsl\u00e5n<span class=\"_ _19\"> </span>NOK<span class=\"_ _dd\"> </span>0<span class=\"_ _37\"> </span>3 mnd NIBOR + 3,40 %<span class=\"_ _b8\"> </span>Call opsjon 12/09-<span class=\"_ _1\"></span>23<span class=\"_ _b6\"> </span>0<span class=\"_ _226\"> </span><span class=\"ls139 ws1e6\">251</span></span></span><span style=\"display:inherit;clear:left;\">2020<span class=\"_ _b2\"> </span></span><span style=\"display:inherit;clear:left;\">F<span class=\"_ _2\"></span>ondsobligasjonsl\u00e5n<span class=\"_ _113\"> </span>NOK<span class=\"_ _eb\"> </span><span class=\"ls125 ws1cf\">200<span class=\"_ _28c\"> </span></span>3 mnd NIBOR + 4,00 %<span class=\"_ _b9\"> </span>Call opsjon 19/05-25<span class=\"_ _10\"> </span><span class=\"ls125 ws1cf\">202<span class=\"_ _3d\"> </span>202</span></span><span style=\"display:inherit;clear:left;\">2021<span class=\"_ _2e9\"> </span></span><span style=\"display:inherit;clear:left;\">F<span class=\"_ _1\"></span>ondsoblig<span class=\"_ _1\"></span>asjonsl\u00e5n<span class=\"_ _113\"> </span>NOK<span class=\"_ _c3\"> </span><span class=\"ls133 ws1e0\">400<span class=\"_ _37\"> </span></span>3 mnd NIBOR + 2,40 %<span class=\"_ _b8\"> </span>Call opsjon 2<span class=\"_ _1\"></span>3/0<span class=\"_ _1\"></span>7<span class=\"_ _0\"></span>-26<span class=\"_ _e9\"> </span><span class=\"ls133 ws1e0\">406<span class=\"_ _10\"> </span><span class=\"ls108 ws16a\">404</span></span></span><span style=\"display:inherit;clear:left;\">2022<span class=\"_ _112\"> </span></span><span style=\"display:inherit;clear:left;\">F<span class=\"_ _2\"></span>ondsobligasjonsl\u00e5n<span class=\"_ _113\"> </span>NOK<span class=\"_ _eb\"> </span><span class=\"ls12c ws1d6\">300<span class=\"_ _28c\"> </span></span>F<span class=\"_ _2\"></span>astren<span class=\"_ _1\"></span>te, 7<span class=\"_ _0\"></span>,48 % p.a.<span class=\"_ _c1\"> </span>Call opsjon 08/11-2<span class=\"_ _1\"></span>7<span class=\"_ _4a\"> </span><span class=\"ls136 ws1e3\">303<span class=\"_ _3d\"> </span>303</span></span><span style=\"display:inherit;clear:left;\">2023<span class=\"_ _112\"> </span><span class=\"ls0 ws0\">F<span class=\"_ _2\"></span>ondsobligasjonsl\u00e5n<span class=\"_ _113\"> </span>NOK<span class=\"_ _c3\"> </span><span class=\"ls133 ws1e0\">400<span class=\"_ _37\"> </span></span>3 mnd NIBOR + 3,80 %<span class=\"_ _bd\"> </span>Call opsjon 13/09-2<span class=\"_ _1\"></span>8<span class=\"_ _9a\"> </span><span class=\"lsf6 ws158\">402<span class=\"_ _84\"> </span></span>0</span></span><span style=\"display:inherit;clear:left;\">2023<span class=\"_ _112\"> </span><span class=\"ls0 ws0\">F<span class=\"_ _2\"></span>ondsobligasjonsl\u00e5n<span class=\"_ _113\"> </span>NOK<span class=\"_ _111\"> </span><span class=\"ls83 wsdd\">225<span class=\"_ _28c\"> </span></span>3 mnd NIBOR + 3,<span class=\"_ _1\"></span>50 %<span class=\"_ _bd\"> </span>Call opsjon 25/01-<span class=\"_ _1\"></span>29<span class=\"_ _66\"> </span><span class=\"ls109 ws16b\">228<span class=\"_ _84\"> </span></span>0</span></span><span style=\"display:inherit;clear:left;\">2023<span class=\"_ _112\"> </span><span class=\"ls0 ws0\">F<span class=\"_ _2\"></span>ondsobligasjonsl\u00e5n<span class=\"_ _113\"> </span>NOK<span class=\"_ _ea\"> </span><span class=\"ls83 wsdd\">125<span class=\"_ _28c\"> </span></span>F<span class=\"_ _2\"></span>astr<span class=\"_ _1\"></span>ent<span class=\"_ _1\"></span>e, 7<span class=\"_ _0\"></span>,5<span class=\"_ _1\"></span>9 % p.a.<span class=\"_ _eb\"> </span>Call opsjon 25/01-<span class=\"_ _1\"></span>2<span class=\"_ _1\"></span>9<span class=\"_ _68\"> </span><span class=\"ls13 ws13\">1<span class=\"_ _8\"></span>27<span class=\"_ _84\"> </span></span>0</span></span><span style=\"display:inherit;clear:left;\">F<span class=\"_ _2\"></span>ondsobligasjoner<span class=\"_ _1ea\"> </span>1 650<span class=\"_ _79\"> </span><span class=\"ls83 wsdd\">1 6<span class=\"_ _8\"></span>68<span class=\"_ _78\"> </span></span>1 431</span><span style=\"display:inherit;clear:left;\">1)</span><span style=\"display:inherit;clear:left;\"> Tilf\u00f8rt v<span class=\"_ _1\"></span>ed sammensl\u00e5ing med E<span class=\"_ _2\"></span>tne Sparebank.<span class=\"ls0 ws0\"> </span></span><span style=\"display:inherit;clear:left;\">2)</span><span style=\"display:inherit;clear:left;\"><span><span style=\"display:inherit;clear:left;\"> +<span class=\"_ _1\"></span>25<span class=\"_ _1\"></span> millioner kr<span class=\"_ _1\"></span>oner \u00ab\u00d8vrige<span class=\"_ _1\"></span> endringer\u00bb er r<span class=\"_ _1\"></span>ela<span class=\"_ _1\"></span>tert til fusjonen<span class=\"_ _1\"></span> mellom Spar<span class=\"_ _1\"></span>ebanken<span class=\"_ _1\"></span> V<span class=\"_ _1\"></span>est og<span class=\"_ _1\"></span> E<span class=\"_ _1\"></span>tne Spar<span class=\"_ _1\"></span>ebank.</span></span> </span><span style=\"display:inherit;clear:left;\">Note 41 K<span class=\"_ _8\"></span>apitald<span class=\"_ _8\"></span>ek<span class=\"_ _8\"></span>n<span class=\"_ _8\"></span>ing</span><span style=\"display:inherit;clear:left;\">Risiko- og k<span class=\"_ _1\"></span>apitalstyring</span><span style=\"display:inherit;clear:left;\">Ban<span class=\"_ _8\"></span>k<span class=\"_ _8\"></span>virk<span class=\"_ _8\"></span>somh<span class=\"_ _8\"></span>et inn<span class=\"_ _8\"></span>eb\u00e6<span class=\"_ _8\"></span>rer ris<span class=\"_ _8\"></span>iko p\u00e5 en re<span class=\"_ _8\"></span>kke omr\u00e5d<span class=\"_ _8\"></span>er<span class=\"_ _2\"></span>, o<span class=\"_ _8\"></span>g god </span><span style=\"display:inherit;clear:left;\">risiko<span class=\"_ _1\"></span>- og kapi<span class=\"_ _1\"></span>talstyring st\u00e5r som e<span class=\"_ _1\"></span>t sentr<span class=\"_ _1\"></span>alt str<span class=\"_ _1\"></span>a<span class=\"_ _1\"></span>tegisk virke<span class=\"_ _1\"></span>-</span><span style=\"display:inherit;clear:left;\">middel i Spar<span class=\"_ _1\"></span>ebanken<span class=\"_ _1\"></span> V<span class=\"_ _1\"></span>ests v<span class=\"_ _1\"></span>erdiskapni<span class=\"_ _1\"></span>ng. F<span class=\"_ _1\"></span>or ytterligere<span class=\"_ _1\"></span> </span><span style=\"display:inherit;clear:left;\">infor<span class=\"_ _8\"></span>masj<span class=\"_ _8\"></span>on om r<span class=\"_ _8\"></span>isiko- o<span class=\"_ _8\"></span>g kap<span class=\"_ _8\"></span>ital<span class=\"_ _8\"></span>st<span class=\"_ _8\"></span>yrin<span class=\"_ _8\"></span>g henvi<span class=\"_ _8\"></span>se<span class=\"_ _8\"></span>s det ti<span class=\"_ _8\"></span>l note 7 </span><span style=\"display:inherit;clear:left;\">og til k<span class=\"_ _1\"></span>onsernets Pi<span class=\"_ _1\"></span>lar 3-<span class=\"_ _1\"></span>dokument. Si<span class=\"_ _1\"></span>stnevnt<span class=\"_ _1\"></span>e oppdat<span class=\"_ _1\"></span>eres \u00e5rlig<span class=\"_ _1\"></span> </span><span style=\"display:inherit;clear:left;\">og er tilgjengelig p\u00e5 Sparebank<span class=\"_ _1\"></span>en V<span class=\"_ _2\"></span>e<span class=\"_ _8\"></span>st sin<span class=\"_ _1\"></span> hjemmeside.</span><span style=\"display:inherit;clear:left;\">Ber<span class=\"_ _1\"></span>egning a<span class=\"_ _1\"></span>v kapitalbeho<span class=\"_ _1\"></span>v og r<span class=\"_ _1\"></span>egula<span class=\"_ _2\"></span>torisk kapital</span><span style=\"display:inherit;clear:left;\">Bankens<span class=\"_ _1\"></span> kapitalvurdering<span class=\"_ _1\"></span> baseres p\u00e5 kvan<span class=\"_ _1\"></span>tifisering a<span class=\"_ _1\"></span>v kapi<span class=\"_ _1\"></span>tal-</span><span style=\"display:inherit;clear:left;\">behov f<span class=\"_ _1\"></span>or de en<span class=\"_ _1\"></span>kelte<span class=\"_ _1\"></span> risik<span class=\"_ _1\"></span>oomr\u00e5dene.<span class=\"_ _1\"></span> Stresstester<span class=\"_ _1\"></span> simuler<span class=\"_ _1\"></span>er </span><span style=\"display:inherit;clear:left;\">effe<span class=\"_ _8\"></span>kte<span class=\"_ _8\"></span>r av situa<span class=\"_ _8\"></span>sjon<span class=\"_ _8\"></span>er so<span class=\"_ _8\"></span>m en ik<span class=\"_ _8\"></span>ke forve<span class=\"_ _8\"></span>nter sk<span class=\"_ _8\"></span>al innt<span class=\"_ _8\"></span>reffe, </span><span style=\"display:inherit;clear:left;\">men s<span class=\"_ _8\"></span>om vi<span class=\"_ _8\"></span>l kunn<span class=\"_ _8\"></span>e p\u00e5f\u00f8re ba<span class=\"_ _8\"></span>nken st\u00f8<span class=\"_ _8\"></span>rre uvent<span class=\"_ _8\"></span>ede t<span class=\"_ _8\"></span>ap. </span><span style=\"display:inherit;clear:left;\">K<span class=\"_ _1\"></span>v<span class=\"_ _1\"></span>alitativ<span class=\"_ _1\"></span>e vur<span class=\"_ _1\"></span>deringer su<span class=\"_ _1\"></span>pplerer de<span class=\"_ _1\"></span> kvantitativ<span class=\"_ _1\"></span>e anal<span class=\"_ _1\"></span>ysene.</span><span style=\"display:inherit;clear:left;\">Sparebank<span class=\"_ _1\"></span>en V<span class=\"_ _1\"></span>est<span class=\"_ _1\"></span> har tilla<span class=\"_ _1\"></span>telse<span class=\"_ _1\"></span> fra<span class=\"_ _1\"></span> Finanstilsyne<span class=\"_ _1\"></span>t til \u00e5<span class=\"_ _1\"></span> anv<span class=\"_ _1\"></span>ende </span><span style=\"display:inherit;clear:left;\">avanser<span class=\"_ _8\"></span>t I<span class=\"_ _8\"></span>RB-meto<span class=\"_ _8\"></span>de (A-IR<span class=\"_ _8\"></span>B) for be<span class=\"_ _8\"></span>regn<span class=\"_ _8\"></span>ing av kre<span class=\"_ _8\"></span>ditt<span class=\"_ _8\"></span>ris<span class=\"_ _8\"></span>iko. Et </span><span style=\"display:inherit;clear:left;\">led<span class=\"_ _8\"></span>d i IR<span class=\"_ _8\"></span>B-godk<span class=\"_ _8\"></span>jenn<span class=\"_ _8\"></span>els<span class=\"_ _8\"></span>en er at IR<span class=\"_ _8\"></span>B-syste<span class=\"_ _8\"></span>met og b<span class=\"_ _8\"></span>ruken av de<span class=\"_ _8\"></span>tte </span><span style=\"display:inherit;clear:left;\">valider<span class=\"_ _1\"></span>es minst \u00e5rlig.<span class=\"_ _1\"></span> I Spareban<span class=\"_ _1\"></span>ken<span class=\"_ _1\"></span> V<span class=\"_ _1\"></span>est behandles resul<span class=\"_ _1\"></span>tatene<span class=\"_ _1\"></span> </span><span style=\"display:inherit;clear:left;\">fra<span class=\"_ _1\"></span> validering<span class=\"_ _1\"></span>en i bank<span class=\"_ _1\"></span>ens<span class=\"_ _1\"></span> valideringsk<span class=\"_ _1\"></span>omit\u00e9.<span class=\"_ _1\"></span> \u00c5rlig val<span class=\"_ _1\"></span>iderings<span class=\"_ _1\"></span>-</span><span style=\"display:inherit;clear:left;\">rapport sendes styret<span class=\"_ _1\"></span> for<span class=\"_ _1\"></span> behandling. Internr<span class=\"_ _1\"></span>evisjonen<span class=\"_ _1\"></span> </span><span style=\"display:inherit;clear:left;\">revid<span class=\"_ _8\"></span>erer sys<span class=\"_ _8\"></span>temet o<span class=\"_ _8\"></span>g bru<span class=\"_ _8\"></span>ken av dett<span class=\"_ _8\"></span>e mins<span class=\"_ _8\"></span>t \u00e5rli<span class=\"_ _8\"></span>g, h<span class=\"_ _8\"></span>erun<span class=\"_ _8\"></span>der </span><span style=\"display:inherit;clear:left;\">etterlev<span class=\"_ _1\"></span>elsen a<span class=\"_ _1\"></span>v gjel<span class=\"_ _8\"></span>dende r<span class=\"_ _1\"></span>eguleringer<span class=\"_ _1\"></span> og r<span class=\"_ _1\"></span>apport sendes til </span><span style=\"display:inherit;clear:left;\">styret<span class=\"_ _1\"></span> for behandling.<span class=\"_ _1\"></span> Bankens r<span class=\"_ _1\"></span>ammev<span class=\"_ _1\"></span>erk og<span class=\"_ _1\"></span> prosesser for<span class=\"_ _1\"></span> </span><span style=\"display:inherit;clear:left;\">st<span class=\"_ _8\"></span>yrin<span class=\"_ _8\"></span>g og kont<span class=\"_ _8\"></span>roll av IR<span class=\"_ _8\"></span>B-system<span class=\"_ _8\"></span>et f\u00f8lge<span class=\"_ _8\"></span>r av kredit<span class=\"_ _8\"></span>ts<span class=\"_ _8\"></span>trateg<span class=\"_ _8\"></span>i, </span><span style=\"display:inherit;clear:left;\">po<span class=\"_ _8\"></span>licy o<span class=\"_ _8\"></span>g ruti<span class=\"_ _8\"></span>ner<span class=\"_ _1\"></span>. </span><span style=\"display:inherit;clear:left;\">V<span class=\"_ _1\"></span>ed kapitalberegning av<span class=\"_ _1\"></span> kredittrisiko skal<span class=\"_ _1\"></span> alle bankens kunder </span><span style=\"display:inherit;clear:left;\">som o<span class=\"_ _8\"></span>mfatte<span class=\"_ _8\"></span>s av IRB-syste<span class=\"_ _8\"></span>met s<span class=\"_ _8\"></span>core<span class=\"_ _8\"></span>s i banke<span class=\"_ _8\"></span>ns inter<span class=\"_ _8\"></span>ne </span><span style=\"display:inherit;clear:left;\">scoremodeller<span class=\"_ _2\"></span>. Banken<span class=\"_ _1\"></span> beregner egne v<span class=\"_ _1\"></span>erdier<span class=\"_ _1\"></span> for P<span class=\"_ _1\"></span>D </span><span style=\"display:inherit;clear:left;\">(Probability of<span class=\"_ _1\"></span> Defau<span class=\"_ _1\"></span>lt, misligholds<span class=\"_ _8\"></span>sannsynlighet) og for<span class=\"_ _1\"></span> LGD </span><span style=\"display:inherit;clear:left;\">(Los<span class=\"_ _8\"></span>s Give<span class=\"_ _8\"></span>n Default<span class=\"_ _8\"></span>, ta<span class=\"_ _8\"></span>psg<span class=\"_ _8\"></span>rad ved mis<span class=\"_ _8\"></span>lig<span class=\"_ _8\"></span>ho<span class=\"_ _8\"></span>ld) fo<span class=\"_ _8\"></span>r b\u00e5de p<span class=\"_ _8\"></span>erso<span class=\"_ _8\"></span>n- </span><span style=\"display:inherit;clear:left;\">og bedriftsmarkedskunder<span class=\"_ _2\"></span>. Bank<span class=\"_ _1\"></span>en ben<span class=\"_ _1\"></span>ytter p\u00e5 n\u00e5<span class=\"_ _1\"></span>v\u00e6r<span class=\"_ _1\"></span>ende </span><span style=\"display:inherit;clear:left;\">tidspunkt ikke ekstern r<span class=\"_ _1\"></span>ating.</span><span style=\"display:inherit;clear:left;\">Banken oppda<span class=\"_ _1\"></span>ter<span class=\"_ _1\"></span>er og klassifiser<span class=\"_ _1\"></span>er alle e<span class=\"_ _1\"></span>ngasjementer </span><span style=\"display:inherit;clear:left;\">omfatte<span class=\"_ _8\"></span>t av IRB-syste<span class=\"_ _8\"></span>met m\u00e5<span class=\"_ _8\"></span>ned<span class=\"_ _8\"></span>lig<span class=\"_ _8\"></span>. For pers<span class=\"_ _8\"></span>onm<span class=\"_ _8\"></span>arked </span><span style=\"display:inherit;clear:left;\">opp<span class=\"_ _8\"></span>datere<span class=\"_ _8\"></span>s LGD-ni<span class=\"_ _8\"></span>v\u00e5et m\u00e5ne<span class=\"_ _8\"></span>dli<span class=\"_ _8\"></span>g ved referan<span class=\"_ _8\"></span>sem<span class=\"_ _8\"></span>ode<span class=\"_ _8\"></span>lle<span class=\"_ _8\"></span>n fra </span><span style=\"display:inherit;clear:left;\">Finanstilsyne<span class=\"_ _1\"></span>t og med oppda<span class=\"_ _1\"></span>terte objektverdier<span class=\"_ _1\"></span> fr<span class=\"_ _1\"></span>a depot og<span class=\"_ _1\"></span> </span><span style=\"display:inherit;clear:left;\">Eiendomsver<span class=\"_ _1\"></span>di. F<span class=\"_ _1\"></span>or<span class=\"_ _1\"></span> bedriftsmarked f<span class=\"_ _1\"></span>\u00f8lger oppda<span class=\"_ _1\"></span>tering a<span class=\"_ _1\"></span>v<span class=\"_ _1\"></span> </span><span style=\"display:inherit;clear:left;\">sikkerhets<span class=\"_ _1\"></span>verd<span class=\"_ _1\"></span>iene a<span class=\"_ _1\"></span>v bank<span class=\"_ _1\"></span>ens in<span class=\"_ _1\"></span>terne ruti<span class=\"_ _1\"></span>ner<span class=\"_ _2\"></span>. </span><span style=\"display:inherit;clear:left;\">F<span class=\"_ _1\"></span>or motpartska<span class=\"_ _1\"></span>tegoriene sta<span class=\"_ _1\"></span>t og<span class=\"_ _1\"></span> institusjoner<span class=\"_ _1\"></span> benyttes </span><span style=\"display:inherit;clear:left;\">standardmetoden.</span><span style=\"display:inherit;clear:left;\">Kapitalbehov f<span class=\"_ _1\"></span>or motpartsrisik<span class=\"_ _1\"></span>o i deriv<span class=\"_ _1\"></span>a<span class=\"_ _1\"></span>ter ber<span class=\"_ _1\"></span>egnes etter </span><span style=\"display:inherit;clear:left;\">sta<span class=\"_ _8\"></span>nda<span class=\"_ _8\"></span>rdmeto<span class=\"_ _8\"></span>de<span class=\"_ _8\"></span>n (SA<span class=\"_ _1\"></span>-CC<span class=\"_ _8\"></span>R) so<span class=\"_ _8\"></span>m f\u00f8lge av innf\u00f8<span class=\"_ _8\"></span>ring av CR<span class=\"_ _8\"></span>R<span class=\"_ _8\"></span>2 i </span><span style=\"display:inherit;clear:left;\">nor<span class=\"_ _8\"></span>sk regul<span class=\"_ _8\"></span>erin<span class=\"_ _8\"></span>g 1. ju<span class=\"_ _8\"></span>ni 2022<span class=\"_ _8\"></span>. </span><span style=\"display:inherit;clear:left;\">Som m<span class=\"_ _8\"></span>isli<span class=\"_ _8\"></span>gh<span class=\"_ _8\"></span>ol<span class=\"_ _8\"></span>d regn<span class=\"_ _8\"></span>es b<span class=\"_ _8\"></span>etal<span class=\"_ _8\"></span>ings<span class=\"_ _8\"></span>misl<span class=\"_ _8\"></span>ig<span class=\"_ _8\"></span>hol<span class=\"_ _8\"></span>d p\u00e5 90 d<span class=\"_ _8\"></span>ager e<span class=\"_ _8\"></span>lle<span class=\"_ _8\"></span>r </span><span style=\"display:inherit;clear:left;\">mer fo<span class=\"_ _8\"></span>r bel<span class=\"_ _8\"></span>\u00f8p p\u00e5 1 0<span class=\"_ _8\"></span>00 kro<span class=\"_ _8\"></span>ner el<span class=\"_ _8\"></span>ler m<span class=\"_ _8\"></span>er og 1 % av en<span class=\"_ _8\"></span>gas<span class=\"_ _8\"></span>jeme<span class=\"_ _8\"></span>nt </span><span style=\"display:inherit;clear:left;\">for PM e<span class=\"_ _8\"></span>ller 2 0<span class=\"_ _8\"></span>00 kro<span class=\"_ _8\"></span>ner el<span class=\"_ _8\"></span>ler m<span class=\"_ _8\"></span>er og 1 % av en<span class=\"_ _8\"></span>gas<span class=\"_ _8\"></span>jem<span class=\"_ _8\"></span>ent for </span><span style=\"display:inherit;clear:left;\">BM<span class=\"_ _8\"></span>, samt s<span class=\"_ _8\"></span>itua<span class=\"_ _8\"></span>sjon<span class=\"_ _8\"></span>er de<span class=\"_ _8\"></span>fin<span class=\"_ _8\"></span>er<span class=\"_ _8\"></span>t som \u00abu<span class=\"_ _8\"></span>nlike<span class=\"_ _8\"></span>line<span class=\"_ _8\"></span>ss to p<span class=\"_ _8\"></span>ay\u00bb. </span><span style=\"display:inherit;clear:left;\">Ekse<span class=\"_ _8\"></span>mpe<span class=\"_ _8\"></span>l p\u00e5 si<span class=\"_ _8\"></span>stnev<span class=\"_ _8\"></span>nte katego<span class=\"_ _8\"></span>ri er ko<span class=\"_ _8\"></span>nkurs e<span class=\"_ _8\"></span>lle<span class=\"_ _8\"></span>r spe<span class=\"_ _8\"></span>sif<span class=\"_ _8\"></span>ise<span class=\"_ _8\"></span>rt </span><span style=\"display:inherit;clear:left;\">tapsavse<span class=\"_ _1\"></span>tning.</span><span style=\"display:inherit;clear:left;\">F<span class=\"_ _1\"></span>or operasjonel<span class=\"_ _1\"></span>l risik<span class=\"_ _1\"></span>o ben<span class=\"_ _1\"></span>ytter Sparebank<span class=\"_ _1\"></span>en V<span class=\"_ _1\"></span>est s<span class=\"_ _1\"></span>jablong-</span><span style=\"display:inherit;clear:left;\">metoden. Bank<span class=\"_ _1\"></span>en har<span class=\"_ _1\"></span> ikke<span class=\"_ _1\"></span> handelsportef\u00f8ljer og<span class=\"_ _1\"></span> holder s\u00e5ledes </span><span style=\"display:inherit;clear:left;\">ikke ka<span class=\"_ _8\"></span>pit<span class=\"_ _8\"></span>al s\u00e6<span class=\"_ _8\"></span>rski<span class=\"_ _8\"></span>lt for ma<span class=\"_ _8\"></span>rked<span class=\"_ _8\"></span>sris<span class=\"_ _8\"></span>iko relater<span class=\"_ _8\"></span>t ti<span class=\"_ _8\"></span>l det<span class=\"_ _8\"></span>te. So<span class=\"_ _8\"></span>m </span><span style=\"display:inherit;clear:left;\">beskrevet<span class=\"_ _1\"></span> i note<span class=\"_ _1\"></span> 21 (<span class=\"_ _1\"></span>markedsrisiko<span class=\"_ _1\"></span>) har<span class=\"_ _1\"></span> banken imidlertid </span><span style=\"display:inherit;clear:left;\">enkelt<span class=\"_ _1\"></span>e aksjeposisjoner<span class=\"_ _1\"></span> som gir kilde til<span class=\"_ _1\"></span> kapitalkra<span class=\"_ _1\"></span>v<span class=\"_ _1\"></span> innenf<span class=\"_ _1\"></span>or </span><span style=\"display:inherit;clear:left;\">b\u00e5de p<span class=\"_ _8\"></span>ila<span class=\"_ _8\"></span>r 1 og pi<span class=\"_ _8\"></span>lar 2.</span><span style=\"display:inherit;clear:left;\">Kapitalkr<span class=\"_ _1\"></span>a<span class=\"_ _1\"></span>v</span><span style=\"display:inherit;clear:left;\">Min<span class=\"_ _8\"></span>stek<span class=\"_ _8\"></span>rav<span class=\"_ _1\"></span>et til a<span class=\"_ _8\"></span>nsvar<span class=\"_ _8\"></span>lig k<span class=\"_ _8\"></span>apit<span class=\"_ _8\"></span>al er 8 %<span class=\"_ _8\"></span>. Av det<span class=\"_ _8\"></span>te ska<span class=\"_ _8\"></span>l mini<span class=\"_ _8\"></span>mum </span><span style=\"display:inherit;clear:left;\">4,5 %<span class=\"_ _1\"></span>-<span class=\"_ _1\"></span>poeng m\u00f8tes med<span class=\"_ _1\"></span> ren<span class=\"_ _1\"></span> kjernekapital. De r<span class=\"_ _1\"></span>esterende<span class=\"_ _1\"></span> <span class=\"ls0 ws0\"> </span></span><span style=\"display:inherit;clear:left;\">3,5 %<span class=\"_ _1\"></span>-poeng a<span class=\"_ _1\"></span>v minimumskra<span class=\"_ _1\"></span>v<span class=\"_ _1\"></span>et kan m\u00f8<span class=\"_ _1\"></span>tes med inntil <span class=\"ls0 ws0\"> </span></span><span style=\"display:inherit;clear:left;\">1,5 %<span class=\"_ _1\"></span>-poeng f<span class=\"_ _1\"></span>ondsobligasjoner (<span class=\"_ _1\"></span>annen kjernek<span class=\"_ _1\"></span>apital) og inn<span class=\"_ _1\"></span>til <span class=\"ls0 ws0\"> </span></span><span style=\"display:inherit;clear:left;\">2 %<span class=\"_ _1\"></span>-poeng<span class=\"_ _1\"></span> ansvarlig<span class=\"_ _1\"></span> l\u00e5n (<span class=\"_ _1\"></span>tilleggskapital). \u00d8vrig<span class=\"_ _1\"></span>e bufferkr<span class=\"_ _1\"></span>a<span class=\"_ _1\"></span>v<span class=\"_ _1\"></span>, </span><span style=\"display:inherit;clear:left;\">herunder sy<span class=\"_ _1\"></span>stemrisik<span class=\"_ _1\"></span>obuffer (<span class=\"_ _1\"></span>4<span class=\"_ _1\"></span>,5 %<span class=\"_ _1\"></span>-poeng),<span class=\"_ _1\"></span> bevaring<span class=\"_ _1\"></span>sbuffer </span><span style=\"display:inherit;clear:left;\">(2,5 %-po<span class=\"_ _8\"></span>eng<span class=\"_ _8\"></span>), motsy<span class=\"_ _8\"></span>kli<span class=\"_ _8\"></span>sk kap<span class=\"_ _8\"></span>ita<span class=\"_ _8\"></span>lbuf<span class=\"_ _8\"></span>fer (for ti<span class=\"_ _8\"></span>den 2,<span class=\"_ _8\"></span>5 %-poen<span class=\"_ _8\"></span>g<span class=\"_ _8\"></span>) </span><span style=\"display:inherit;clear:left;\">og g<span class=\"_ _a\"></span>jel<span class=\"_ _8\"></span>den<span class=\"_ _8\"></span>de pi<span class=\"_ _8\"></span>lar<span class=\"_ _2\"></span>-2 krav (1,5 %-poe<span class=\"_ _8\"></span>ng<span class=\"_ _8\"></span>) m\u00f8te<span class=\"_ _8\"></span>s med re<span class=\"_ _8\"></span>n </span><span style=\"display:inherit;clear:left;\">kjernekapital. Banken<span class=\"_ _1\"></span> mottok<span class=\"_ _1\"></span> i desember 20<span class=\"_ _1\"></span>23 n<span class=\"_ _1\"></span>ytt Pilar </span><span style=\"display:inherit;clear:left;\">2-<span class=\"_ _1\"></span>vedt<span class=\"_ _8\"></span>ak me<span class=\"_ _8\"></span>d et uen<span class=\"_ _8\"></span>dret pil<span class=\"_ _8\"></span>ar 2-krav p\u00e5 1,5 %<span class=\"_ _8\"></span>, me<span class=\"_ _8\"></span>d virk<span class=\"_ _8\"></span>nin<span class=\"_ _8\"></span>g fra </span><span style=\"display:inherit;clear:left;\">31. d<span class=\"_ _8\"></span>ese<span class=\"_ _8\"></span>mbe<span class=\"_ _8\"></span>r 2023. P<span class=\"_ _8\"></span>ila<span class=\"_ _8\"></span>r 2<span class=\"_ _1\"></span>-kravet skal n\u00e5 o<span class=\"_ _8\"></span>ppf<span class=\"_ _8\"></span>yll<span class=\"_ _8\"></span>es me<span class=\"_ _8\"></span>d </span><span style=\"display:inherit;clear:left;\">minimum 5<span class=\"_ _1\"></span>6,25 %<span class=\"_ _1\"></span> ren<span class=\"_ _1\"></span> kjernekapital og min<span class=\"_ _1\"></span>st 7<span class=\"_ _1\"></span>5 %<span class=\"_ _1\"></span> kjernekapital, </span><span style=\"display:inherit;clear:left;\">som medf\u00f8r<span class=\"_ _1\"></span>er a<span class=\"_ _1\"></span>t kr<span class=\"_ _1\"></span>a<span class=\"_ _1\"></span>v til r<span class=\"_ _1\"></span>en kjernekapi<span class=\"_ _1\"></span>tal reduser<span class=\"_ _1\"></span>es med <span class=\"ls0 ws0\"> </span></span><span style=\"display:inherit;clear:left;\">0,<span class=\"_ _2\"></span>7 %-<span class=\"_ _1\"></span>poeng. Samlet kr<span class=\"_ _1\"></span>a<span class=\"_ _1\"></span>v til an<span class=\"_ _1\"></span>svarlig<span class=\"_ _1\"></span> kapital per 31.<span class=\"_ _1\"></span> desember </span><span style=\"display:inherit;clear:left;\">2023 ut<span class=\"_ _8\"></span>g<span class=\"_ _8\"></span>j<span class=\"_ _8\"></span>\u00f8r s\u00e5<span class=\"_ _8\"></span>led<span class=\"_ _8\"></span>es 19 % i<span class=\"_ _8\"></span>nkl<span class=\"_ _8\"></span>ude<span class=\"_ _8\"></span>rt P<span class=\"_ _8\"></span>ilar 2 p<span class=\"_ _8\"></span>\u00e5sl<span class=\"_ _8\"></span>ag \u2013 hvorav </span><span style=\"display:inherit;clear:left;\">minimum 1<span class=\"_ _1\"></span>4,8 %<span class=\"_ _1\"></span>-<span class=\"_ _1\"></span>poeng skal m\u00f8<span class=\"_ _1\"></span>tes med r<span class=\"_ _1\"></span>en kjernekapital.</span><span style=\"display:inherit;clear:left;\">Sty<span class=\"_ _8\"></span>ret i Spa<span class=\"_ _8\"></span>reban<span class=\"_ _8\"></span>ken Vest har ve<span class=\"_ _8\"></span>dtat<span class=\"_ _8\"></span>t en ma<span class=\"_ _8\"></span>rgi<span class=\"_ _8\"></span>n p\u00e5 om l<span class=\"_ _8\"></span>ag  </span><span style=\"display:inherit;clear:left;\">1,25 %<span class=\"_ _1\"></span>-<span class=\"_ _1\"></span>poeng i r<span class=\"_ _1\"></span>en kjernekapitaldekning<span class=\"_ _1\"></span> over<span class=\"_ _1\"></span> reg<span class=\"_ _1\"></span>ulat<span class=\"_ _1\"></span>oriske<span class=\"_ _1\"></span> </span><span style=\"display:inherit;clear:left;\">minimums-<span class=\"_ _1\"></span> og bufferkra<span class=\"_ _1\"></span>v<span class=\"_ _2\"></span>.</span><span style=\"display:inherit;clear:left;\">MORBANK<span class=\"_ _12c\"> </span><span class=\"lsc wsc\">KONSERN</span></span><span style=\"display:inherit;clear:left;\">3<span class=\"_ _8\"></span>1/<span class=\"_ _a\"></span>1<span class=\"_ _8\"></span>2-2<span class=\"_ _8\"></span>2<span class=\"_ _57\"> </span>3<span class=\"_ _8\"></span>1<span class=\"_ _8\"></span>/<span class=\"_ _8\"></span>1<span class=\"_ _8\"></span>2-2<span class=\"_ _8\"></span>3<span class=\"_ _267\"> </span>3<span class=\"_ _8\"></span>1/<span class=\"_ _a\"></span>1<span class=\"_ _8\"></span>2-2<span class=\"_ _8\"></span>3<span class=\"_ _57\"> </span>3<span class=\"_ _8\"></span>1<span class=\"_ _8\"></span>/<span class=\"_ _8\"></span>1<span class=\"_ _8\"></span>2-2<span class=\"_ _8\"></span>2</span><span style=\"display:inherit;clear:left;\">V<span class=\"_ _1\"></span>ektet ber<span class=\"_ _1\"></span>egningsgrunnla<span class=\"_ _8\"></span>g</span><span style=\"display:inherit;clear:left;\">24 0<span class=\"_ _8\"></span>8<span class=\"_ _8\"></span>0<span class=\"_ _10a\"> </span><span class=\"ls10 ws10\">25 517<span class=\"_ _11a\"> </span><span class=\"ls0 ws0\">Foretak \u2013 S<span class=\"_ _8\"></span>MB<span class=\"_ _28f\"> </span></span>25<span class=\"_ _8\"></span> 517<span class=\"_ _19\"> </span></span>24 0<span class=\"_ _8\"></span>8<span class=\"_ _8\"></span>3</span><span style=\"display:inherit;clear:left;\">692<span class=\"_ _d4\"> </span></span><span style=\"display:inherit;clear:left;\">1 03<span class=\"_ _8\"></span>9<span class=\"_ _b9\"> </span></span><span style=\"display:inherit;clear:left;\">Foretak<span class=\"_ _1\"></span> \u2013 Spesialiser<span class=\"_ _8\"></span>te<span class=\"_ _15d\"> </span><span class=\"ls0 ws0\">1 039<span class=\"_ _65\"> </span><span class=\"ls123 ws1cd\">692</span></span></span><span style=\"display:inherit;clear:left;\">6 538<span class=\"_ _b7\"> </span>8 186<span class=\"_ _11a\"> </span>Foretak \u2013 \u00d8<span class=\"_ _8\"></span>vri<span class=\"_ _8\"></span>ge<span class=\"_ _295\"> </span>8 186<span class=\"_ _dc\"> </span>6 53<span class=\"_ _8\"></span>8</span><span style=\"display:inherit;clear:left;\">678<span class=\"_ _65\"> </span></span><span style=\"display:inherit;clear:left;\">922<span class=\"_ _11a\"> </span></span><span style=\"display:inherit;clear:left;\">Massemarkedet med pan<span class=\"_ _1\"></span>tesikkerhe<span class=\"_ _1\"></span>t i eie<span class=\"_ _1\"></span>ndom \u2013 SMB<span class=\"_ _1cf\"> </span><span class=\"ls0 ws0\">1 618<span class=\"_ _89\"> </span><span class=\"ls59 wsac\">1 41<span class=\"_ _8\"></span>0</span></span></span><span style=\"display:inherit;clear:left;\">12 661<span class=\"_ _10b\"> </span></span><span style=\"display:inherit;clear:left;\">16 50<span class=\"_ _8\"></span>3<span class=\"_ _b9\"> </span></span><span style=\"display:inherit;clear:left;\">Mass<span class=\"_ _8\"></span>emark<span class=\"_ _1\"></span>edet med pan<span class=\"_ _1\"></span>tesikkerhe<span class=\"_ _1\"></span>t i eiendom<span class=\"_ _1\"></span> \u2013 Ikk<span class=\"_ _1\"></span>e SMB<span class=\"_ _12a\"> </span><span class=\"ls0 ws0\">43 0<span class=\"_ _8\"></span>19<span class=\"_ _113\"> </span>3<span class=\"_ _8\"></span>8 500</span></span><span style=\"display:inherit;clear:left;\">45<span class=\"_ _12\"> </span></span><span style=\"display:inherit;clear:left;\">58<span class=\"_ _b9\"> </span></span><span style=\"display:inherit;clear:left;\">Massemarked \u2013 \u00d8vrige<span class=\"_ _1\"></span> SMB<span class=\"_ _288\"> </span><span class=\"ls33 ws84\">58<span class=\"_ _1a\"> </span><span class=\"ls128 ws1d2\">45</span></span></span><span style=\"display:inherit;clear:left;\">1 331<span class=\"_ _b7\"> </span><span class=\"ls122 ws1cc\">1 28<span class=\"_ _8\"></span>8<span class=\"_ _b9\"> </span></span>M<span class=\"_ _8\"></span>ass<span class=\"_ _8\"></span>ema<span class=\"_ _8\"></span>rked \u2013 \u00d8<span class=\"_ _8\"></span>vri<span class=\"_ _8\"></span>ge ikke SM<span class=\"_ _8\"></span>B<span class=\"_ _fa\"> </span>1 293<span class=\"_ _19a\"> </span>1 3<span class=\"_ _8\"></span>44</span><span style=\"display:inherit;clear:left;\">3 517<span class=\"_ _c7\"> </span></span><span style=\"display:inherit;clear:left;\">4<span class=\"_ _8\"></span> 942<span class=\"_ _b8\"> </span></span><span style=\"display:inherit;clear:left;\">Egenkapitalposisjoner<span class=\"_ _1\"></span> IRB<span class=\"_ _1f8\"> </span><span class=\"ls0 ws0\">0<span class=\"_ _9a\"> </span>0</span></span><span style=\"display:inherit;clear:left;\">49 542<span class=\"_ _113\"> </span></span><span style=\"display:inherit;clear:left;\">58 45<span class=\"_ _8\"></span>5<span class=\"_ _b9\"> </span></span><span style=\"display:inherit;clear:left;\">Sum kredittrisik<span class=\"_ _1\"></span>o IRB<span class=\"_ _2a5\"> </span><span class=\"ls82 ws14b\">80 729<span class=\"_ _10b\"> </span>72 6<span class=\"_ _8\"></span>13</span></span><span style=\"display:inherit;clear:left;\">7 197<span class=\"_ _b7\"> </span></span><span style=\"display:inherit;clear:left;\">8 39<span class=\"_ _8\"></span>1<span class=\"_ _b9\"> </span></span><span style=\"display:inherit;clear:left;\">Op<span class=\"_ _8\"></span>erasjonell risik<span class=\"_ _1\"></span>o<span class=\"_ _270\"> </span><span class=\"ls126 ws1d0\">9<span class=\"_ _8\"></span> 052<span class=\"_ _dc\"> </span><span class=\"ls0 ws0\">7 9<span class=\"_ _8\"></span>08</span></span></span><span style=\"display:inherit;clear:left;\">29 219<span class=\"_ _9e\"> </span></span><span style=\"display:inherit;clear:left;\">17 23<span class=\"_ _8\"></span>4<span class=\"_ _b9\"> </span></span><span style=\"display:inherit;clear:left;\">Engasjement under standardme<span class=\"_ _1\"></span>toden<span class=\"_ _1da\"> </span><span class=\"ls123 ws1cd\">16 716<span class=\"_ _1b4\"> </span><span class=\"ls0 ws0\">15 506</span></span></span><span style=\"display:inherit;clear:left;\">1 42<span class=\"_ _8\"></span>2<span class=\"_ _89\"> </span></span><span style=\"display:inherit;clear:left;\">1 41<span class=\"_ _8\"></span>4<span class=\"_ _b8\"> </span><span class=\"ls0 ws0\">Risi<span class=\"_ _8\"></span>ko for svekket k<span class=\"_ _8\"></span>redi<span class=\"_ _8\"></span>tt<span class=\"_ _8\"></span>verdig<span class=\"_ _8\"></span>het fo<span class=\"_ _8\"></span>r motp<span class=\"_ _8\"></span>ar<span class=\"_ _8\"></span>t (CV<span class=\"_ _1\"></span>A)<span class=\"_ _133\"> </span><span class=\"ls126 ws1d0\">1 52<span class=\"_ _8\"></span>9<span class=\"_ _cc\"> </span></span>1 600</span></span><span style=\"display:inherit;clear:left;\">87 380<span class=\"_ _5a\"> </span></span><span style=\"display:inherit;clear:left;\">85 494<span class=\"_ _b9\"> </span></span><span style=\"display:inherit;clear:left;\">Sum vektet ber<span class=\"_ _1\"></span>egningsgrunnla<span class=\"_ _8\"></span>g<span class=\"_ _1a7\"> </span><span class=\"lsf2 ws154\">108 026<span class=\"_ _c6\"> </span><span class=\"ls92 wsee\">97 6<span class=\"_ _8\"></span>27</span></span></span><span style=\"display:inherit;clear:left;\">Ansvarlig<span class=\"_ _1\"></span> kapital</span><span style=\"display:inherit;clear:left;\">2<span class=\"_ _8\"></span> 74<span class=\"_ _38\"></span>3<span class=\"_ _cc\"> </span>2<span class=\"_ _8\"></span> 74<span class=\"_ _a\"></span>3<span class=\"_ _b8\"> </span><span class=\"lse wse\">E<span class=\"_ _8\"></span>genkapitalbevis<span class=\"_ _278\"> </span></span>2<span class=\"_ _a\"></span> 74<span class=\"_ _a\"></span>3<span class=\"_ _cc\"> </span>2<span class=\"_ _a\"></span> 74<span class=\"_ _a\"></span>3</span><span style=\"display:inherit;clear:left;\">-3<span class=\"_ _e9\"> </span><span class=\"ls129 ws1d3\">-1<span class=\"_ _b8\"> </span><span class=\"lse wse\">\u2013 Egne egenkapitalbevis<span class=\"_ _137\"> </span></span>-1<span class=\"_ _8d\"> </span></span>-3</span><span style=\"display:inherit;clear:left;\">1 966<span class=\"_ _cb\"> </span>1 9<span class=\"_ _8\"></span>66<span class=\"_ _b9\"> </span></span><span style=\"display:inherit;clear:left;\">O<span class=\"_ _8\"></span>verkur<span class=\"_ _1\"></span>s<span class=\"_ _161\"> </span><span class=\"ls0 ws0\">1 966<span class=\"_ _cb\"> </span>1 9<span class=\"_ _8\"></span>66</span></span><span style=\"display:inherit;clear:left;\">10 373<span class=\"_ _10b\"> </span></span><span style=\"display:inherit;clear:left;\">1<span class=\"_ _8\"></span>0 75<span class=\"_ _8\"></span>0<span class=\"_ _11a\"> </span></span><span style=\"display:inherit;clear:left;\">Grunnfondskapital<span class=\"_ _7f\"> </span><span class=\"ls0 ws0\">11 951<span class=\"_ _a8\"> </span><span class=\"ls10 ws10\">11 254</span></span></span><span style=\"display:inherit;clear:left;\">36<span class=\"_ _12\"> </span>36<span class=\"_ _11a\"> </span></span><span style=\"display:inherit;clear:left;\">Kompensasjons<span class=\"_ _1\"></span>fond<span class=\"_ _165\"> </span><span class=\"ls33 ws84\">36<span class=\"_ _12\"> </span>36</span></span><span style=\"display:inherit;clear:left;\">150<span class=\"_ _108\"> </span>150<span class=\"_ _11a\"> </span></span><span style=\"display:inherit;clear:left;\">Gave<span class=\"_ _1\"></span>fond<span class=\"_ _164\"> </span><span class=\"ls121 wsaa\">150<span class=\"_ _108\"> </span>150</span></span><span style=\"display:inherit;clear:left;\">2 52<span class=\"_ _8\"></span>3<span class=\"_ _c9\"> </span></span><span style=\"display:inherit;clear:left;\">2 78<span class=\"_ _8\"></span>9<span class=\"_ _11a\"> </span></span><span style=\"display:inherit;clear:left;\">Utjevningsfond<span class=\"_ _162\"> </span><span class=\"ls122 ws1cc\">3 612<span class=\"_ _90\"> </span><span class=\"lsa wsa\">3 127</span></span></span><span style=\"display:inherit;clear:left;\">94<span class=\"_ _74\"> </span></span><span style=\"display:inherit;clear:left;\">114<span class=\"_ _11a\"> </span></span><span style=\"display:inherit;clear:left;\">Annen egenkapital<span class=\"_ _167\"> </span><span class=\"ls0 ws0\">1 29<span class=\"_ _8\"></span>9<span class=\"_ _89\"> </span>1 18<span class=\"_ _8\"></span>9</span></span><span style=\"display:inherit;clear:left;\">17 88<span class=\"_ _8\"></span>2<span class=\"_ _a5\"> </span></span><span style=\"display:inherit;clear:left;\">18 5<span class=\"_ _8\"></span>46<span class=\"_ _b9\"> </span></span><span style=\"display:inherit;clear:left;\">Sum bokf\u00f8rt egenkapital eksklu<span class=\"_ _1\"></span>siv h<span class=\"_ _1\"></span>ybridkapital<span class=\"_ _13e\"> </span><span class=\"ls83 wsdd\">2<span class=\"_ _8\"></span>1 755<span class=\"_ _111\"> </span><span class=\"ls0 ws0\">20 462</span></span></span><span style=\"display:inherit;clear:left;\">F<span class=\"_ _1\"></span>radra<span class=\"_ _8\"></span>g</span><span style=\"display:inherit;clear:left;\">-2<span class=\"_ _8\"></span>1<span class=\"_ _8\"></span>7<span class=\"_ _9b\"> </span></span><span style=\"display:inherit;clear:left;\">-1<span class=\"_ _a\"></span>9<span class=\"_ _a\"></span>9<span class=\"_ _b8\"> </span></span><span style=\"display:inherit;clear:left;\"> Goodwill og andre<span class=\"_ _1\"></span> immat<span class=\"_ _1\"></span>erielle eiendeler<span class=\"_ _2ec\"> </span><span class=\"ls4a ws9d\">-24<span class=\"_ _a\"></span>6<span class=\"_ _83\"> </span>-2<span class=\"_ _8\"></span>6<span class=\"_ _8\"></span>7</span></span><span style=\"display:inherit;clear:left;\">   herunder e<span class=\"_ _1\"></span>f<span class=\"_ _2\"></span>fek<span class=\"_ _1\"></span>t<span class=\"_ _1\"></span> a<span class=\"_ _1\"></span>v br<span class=\"_ _1\"></span>u<span class=\"_ _1\"></span>t<span class=\"_ _1\"></span>t<span class=\"_ _1\"></span>ok<span class=\"_ _1\"></span>onsolider<span class=\"_ _1\"></span>ing a<span class=\"_ _2\"></span>v tilkn<span class=\"_ _2\"></span>yt<span class=\"_ _2\"></span>tede<span class=\"_ _1\"></span> selsk<span class=\"_ _1\"></span>aper<span class=\"_ _1e5\"> </span><span class=\"ls6 ws6\">-27<span class=\"_ _5d\"> </span><span class=\"ls159 ws20a\">-2<span class=\"_ _8\"></span>5</span></span></span><span style=\"display:inherit;clear:left;\">-6<span class=\"_ _17\"> </span></span><span style=\"display:inherit;clear:left;\">21<span class=\"_ _b9\"> </span></span><span style=\"display:inherit;clear:left;\">Ver<span class=\"_ _1\"></span>diregu<span class=\"_ _1\"></span>lering egen<span class=\"_ _1\"></span> g<span class=\"_ _8\"></span>jeld<span class=\"_ _af\"> </span><span class=\"ls4a ws9d\">-2<span class=\"_ _8\"></span>8<span class=\"_ _8\"></span>0<span class=\"_ _108\"> </span><span class=\"ls129 ws1d3\">-1<span class=\"_ _a\"></span>3<span class=\"_ _a\"></span>1</span></span></span><span style=\"display:inherit;clear:left;\">-88<span class=\"_ _6f\"> </span></span><span style=\"display:inherit;clear:left;\">-1<span class=\"_ _8\"></span>1<span class=\"_ _a\"></span>0<span class=\"_ _b8\"> </span></span><span style=\"display:inherit;clear:left;\">Ver<span class=\"_ _1\"></span>dijustering f<span class=\"_ _1\"></span>or kra<span class=\"_ _1\"></span>v om<span class=\"_ _1\"></span> forsv<span class=\"_ _1\"></span>arlig ver<span class=\"_ _1\"></span>dsettelse<span class=\"_ _4d\"> </span><span class=\"ls129 ws1d3\">-1<span class=\"_ _8\"></span>2<span class=\"_ _a\"></span>2<span class=\"_ _6b\"> </span>-1<span class=\"_ _a\"></span>0<span class=\"_ _a\"></span>4</span></span><span style=\"display:inherit;clear:left;\">-<span class=\"_ _1\"></span>222<span class=\"_ _87\"> </span></span><span style=\"display:inherit;clear:left;\">-2<span class=\"_ _8\"></span>5<span class=\"_ _8\"></span>7<span class=\"_ _b8\"> </span></span><span style=\"display:inherit;clear:left;\">F<span class=\"_ _1\"></span>r<span class=\"_ _1\"></span>adrag f<span class=\"_ _1\"></span>or eierskap i<span class=\"_ _1\"></span> andre selskap i<span class=\"_ _1\"></span> finansiell sektor<span class=\"_ _1cf\"> </span><span class=\"ls82 ws14b\">-36<span class=\"_ _8\"></span>5<span class=\"_ _cd\"> </span>-3<span class=\"_ _8\"></span>30</span></span><span style=\"display:inherit;clear:left;\">-2<span class=\"_ _8\"></span>5<span class=\"_ _8\"></span>0<span class=\"_ _b7\"> </span></span><span style=\"display:inherit;clear:left;\">-444<span class=\"_ _b9\"> </span></span><span style=\"display:inherit;clear:left;\">Justert f<span class=\"_ _1\"></span>orventet<span class=\"_ _1\"></span> tap IRB-<span class=\"_ _1\"></span>portef\u00f8lje<span class=\"_ _25f\"> </span><span class=\"ls11e wsb9\">-623<span class=\"_ _cd\"> </span><span class=\"ls9 ws9\">-487</span></span></span><span style=\"display:inherit;clear:left;\">0<span class=\"_ _8b\"> </span>0<span class=\"_ _11a\"> </span></span><span style=\"display:inherit;clear:left;\">For<span class=\"_ _1\"></span>esl\u00e5tt<span class=\"_ _1\"></span> utbytte/<span class=\"_ _1\"></span>ga<span class=\"_ _1\"></span>ver<span class=\"_ _291\"> </span><span class=\"ls4a ws9d\">-2<span class=\"_ _8\"></span> 0<span class=\"_ _8\"></span>2<span class=\"_ _8\"></span>3<span class=\"_ _c7\"> </span><span class=\"ls129 ws1d3\">-1<span class=\"_ _8\"></span> 4<span class=\"_ _a\"></span>8<span class=\"_ _a\"></span>5</span></span></span><span style=\"display:inherit;clear:left;\">17 10<span class=\"_ _8\"></span>0<span class=\"_ _1b4\"> </span>17<span class=\"_ _8\"></span> 558<span class=\"_ _11a\"> </span></span><span style=\"display:inherit;clear:left;\">Sum ren kjernekapital<span class=\"_ _2ed\"> </span><span class=\"lsf2 ws154\">18 096<span class=\"_ _5b\"> </span><span class=\"ls0 ws0\">17 659</span></span></span><span style=\"display:inherit;clear:left;\">1 42<span class=\"_ _8\"></span>0<span class=\"_ _d4\"> </span></span><span style=\"display:inherit;clear:left;\">1 6<span class=\"_ _8\"></span>50<span class=\"_ _11a\"> </span></span><span style=\"display:inherit;clear:left;\">F<span class=\"_ _1\"></span>ondsobligasjoner<span class=\"_ _167\"> </span><span class=\"ls0 ws0\">1 6<span class=\"_ _8\"></span>50<span class=\"_ _d4\"> </span><span class=\"ls125 ws1cf\">1 42<span class=\"_ _8\"></span>0</span></span></span><span style=\"display:inherit;clear:left;\">18 520<span class=\"_ _5c\"> </span></span><span style=\"display:inherit;clear:left;\">1<span class=\"_ _8\"></span>9 208<span class=\"_ _b9\"> </span></span><span style=\"display:inherit;clear:left;\">Kjernekapital<span class=\"_ _206\"> </span><span class=\"ls144 ws1f3\">1<span class=\"_ _8\"></span>9<span class=\"_ _8\"></span> 74<span class=\"_ _a\"></span>6<span class=\"_ _10b\"> </span><span class=\"ls82 ws14b\">19 07<span class=\"_ _8\"></span>9</span></span></span><span style=\"display:inherit;clear:left;\">1 84<span class=\"_ _8\"></span>5<span class=\"_ _b7\"> </span></span><span style=\"display:inherit;clear:left;\">2<span class=\"_ _8\"></span> 1<span class=\"_ _8\"></span>47<span class=\"_ _b8\"> </span></span><span style=\"display:inherit;clear:left;\">Innbetalt an<span class=\"_ _1\"></span>svarlig<span class=\"_ _1\"></span> l\u00e5nekapital  <span class=\"_ _198\"> </span><span class=\"ls12a ws1d4\">2<span class=\"_ _8\"></span> 1<span class=\"_ _8\"></span>47<span class=\"_ _d4\"> </span><span class=\"ls0 ws0\">1 84<span class=\"_ _8\"></span>5</span></span></span><span style=\"display:inherit;clear:left;\">20 365<span class=\"_ _1b4\"> </span>21 355<span class=\"_ _11a\"> </span><span class=\"ls2 ws2\"> Ansvarlig kapital<span class=\"_ _2cc\"> </span></span>21 893<span class=\"_ _5a\"> </span>20 924</span><span style=\"display:inherit;clear:left;\">MORBANK<span class=\"_ _12c\"> </span><span class=\"lsc wsc\">KONSERN</span></span><span style=\"display:inherit;clear:left;\">3<span class=\"_ _8\"></span>1/<span class=\"_ _a\"></span>1<span class=\"_ _8\"></span>2-2<span class=\"_ _8\"></span>2<span class=\"_ _57\"> </span>3<span class=\"_ _8\"></span>1<span class=\"_ _8\"></span>/<span class=\"_ _8\"></span>1<span class=\"_ _8\"></span>2-2<span class=\"_ _8\"></span>3<span class=\"_ _267\"> </span>3<span class=\"_ _8\"></span>1/<span class=\"_ _a\"></span>1<span class=\"_ _8\"></span>2-2<span class=\"_ _8\"></span>3<span class=\"_ _57\"> </span>3<span class=\"_ _8\"></span>1<span class=\"_ _8\"></span>/<span class=\"_ _8\"></span>1<span class=\"_ _8\"></span>2-2<span class=\"_ _8\"></span>2</span><span style=\"display:inherit;clear:left;\">Minimumskra<span class=\"_ _1\"></span>v </span><span style=\"display:inherit;clear:left;\">6 990<span class=\"_ _c7\"> </span>6 8<span class=\"_ _8\"></span>40<span class=\"_ _11a\"> </span></span><span style=\"display:inherit;clear:left;\">Minimumskra<span class=\"_ _1\"></span>v kapitaldekning; 8 %<span class=\"_ _2b9\"> </span><span class=\"ls125 ws1cf\">8<span class=\"_ _8\"></span> 6<span class=\"_ _8\"></span>42<span class=\"_ _cb\"> </span><span class=\"ls0 ws0\">7 8<span class=\"_ _8\"></span>10</span></span></span><span style=\"display:inherit;clear:left;\">1<span class=\"_ _8\"></span>3<span class=\"_ _a\"></span> 3<span class=\"_ _8\"></span>74<span class=\"_ _9f\"> </span></span><span style=\"display:inherit;clear:left;\">14 51<span class=\"_ _8\"></span>5<span class=\"_ _11a\"> </span></span><span style=\"display:inherit;clear:left;\">Overskudd<span class=\"_ _1\"></span> ansv<span class=\"_ _1\"></span>arlig kapital<span class=\"_ _262\"> </span><span class=\"ls9 ws9\">13 251<span class=\"_ _d8\"> </span><span class=\"ls92 wsee\">13<span class=\"_ _8\"></span> 114</span></span></span><span style=\"display:inherit;clear:left;\">13 168<span class=\"_ _d8\"> </span>13 7<span class=\"_ _8\"></span>10<span class=\"_ _2ea\"> </span></span><span style=\"display:inherit;clear:left;\"> hera<span class=\"_ _1\"></span>v ov<span class=\"_ _1\"></span>erskudd r<span class=\"_ _1\"></span>en kjernekapital<span class=\"_ _1\"></span> til \u00e5<span class=\"_ _1\"></span> dekke bu<span class=\"_ _1\"></span>fferkra<span class=\"_ _1\"></span>v<span class=\"_ _127\"> </span><span class=\"ls15b ws20c\">13 234<span class=\"_ _dc\"> </span><span class=\"ls15c ws20d\">1<span class=\"_ _8\"></span>3 114</span></span></span><span style=\"display:inherit;clear:left;\">Bu<span class=\"_ _8\"></span>ffe<span class=\"_ _8\"></span>rkrav</span><span style=\"display:inherit;clear:left;\">2 185<span class=\"_ _90\"> </span></span><span style=\"display:inherit;clear:left;\">2 137<span class=\"_ _11a\"> </span></span><span style=\"display:inherit;clear:left;\">Bevaringsbuffer;<span class=\"_ _1\"></span> 2,5 %<span class=\"_ _139\"> </span><span class=\"ls125 ws1cf\">2 70<span class=\"_ _8\"></span>1<span class=\"_ _d4\"> </span><span class=\"ls59 wsac\">2<span class=\"_ _8\"></span> 4<span class=\"_ _8\"></span>41</span></span></span><span style=\"display:inherit;clear:left;\">3 932<span class=\"_ _19a\"> </span></span><span style=\"display:inherit;clear:left;\">3<span class=\"_ _8\"></span> 8<span class=\"_ _8\"></span>47<span class=\"_ _b8\"> </span></span><span style=\"display:inherit;clear:left;\">Systemrisikobuffer; 4<span class=\"_ _1\"></span>,5 %<span class=\"_ _2be\"> </span><span class=\"ls0 ws0\">4 86<span class=\"_ _8\"></span>1<span class=\"_ _131\"> </span><span class=\"ls33 ws84\">4 393</span></span></span><span style=\"display:inherit;clear:left;\">1<span class=\"_ _8\"></span> 74<span class=\"_ _a\"></span>8<span class=\"_ _89\"> </span></span><span style=\"display:inherit;clear:left;\">2 137<span class=\"_ _11a\"> </span><span class=\"ls0 ws0\">Motsy<span class=\"_ _8\"></span>kli<span class=\"_ _8\"></span>sk buf<span class=\"_ _8\"></span>fer; 2<span class=\"_ _8\"></span>,5 %  <span class=\"_ _2e8\"> </span><span class=\"ls125 ws1cf\">2<span class=\"_ _8\"></span> 701<span class=\"_ _b7\"> </span></span>1 95<span class=\"_ _8\"></span>3</span></span><span style=\"display:inherit;clear:left;\">7 864<span class=\"_ _d4\"> </span>8 122<span class=\"_ _11a\"> </span></span><span style=\"display:inherit;clear:left;\">Sum bufferkra<span class=\"_ _1\"></span>v<span class=\"_ _1\"></span> ren kjernekapi<span class=\"_ _1\"></span>tal<span class=\"_ _1bd\"> </span><span class=\"ls0 ws0\">1<span class=\"_ _8\"></span>0 262<span class=\"_ _131\"> </span><span class=\"ls62 wsb6\">8<span class=\"_ _8\"></span> 786</span></span></span><span style=\"display:inherit;clear:left;\">5 304<span class=\"_ _131\"> </span>5 588<span class=\"_ _11a\"> </span></span><span style=\"display:inherit;clear:left;\">Tilg<span class=\"_ _8\"></span>jen<span class=\"_ _8\"></span>gelig<span class=\"_ _1\"></span> ren kjernekapi<span class=\"_ _1\"></span>tal etter<span class=\"_ _1\"></span> bufferkr<span class=\"_ _1\"></span>a<span class=\"_ _1\"></span>v<span class=\"_ _71\"> </span><span class=\"ls82 ws14b\">2 972<span class=\"_ _131\"> </span><span class=\"ls9 ws9\">4 327</span></span></span><span style=\"display:inherit;clear:left;\">19,6<span class=\"_ _8\"></span> %<span class=\"_ _5b\"> </span></span><span style=\"display:inherit;clear:left;\">20,<span class=\"_ _8\"></span>5 %<span class=\"_ _b9\"> </span></span><span style=\"display:inherit;clear:left;\">Ren kjernekapitaldekning<span class=\"_ _2c3\"> </span><span class=\"ls0 ws0\">1<span class=\"_ _8\"></span>6,8 %<span class=\"_ _19a\"> </span><span class=\"ls12f ws1d9\">1<span class=\"_ _8\"></span>8<span class=\"_ _8\"></span>,1<span class=\"_ _8\"></span> %</span></span></span><span style=\"display:inherit;clear:left;\">1,6 %<span class=\"_ _89\"> </span>1,9 %<span class=\"_ _11a\"> </span></span><span style=\"display:inherit;clear:left;\">F<span class=\"_ _1\"></span>ondsobligasjoner<span class=\"_ _264\"> </span><span class=\"ls0 ws0\">1,<span class=\"_ _8\"></span>5 %<span class=\"_ _dd\"> </span>1<span class=\"_ _8\"></span>,5 %</span></span><span style=\"display:inherit;clear:left;\">2<span class=\"_ _8\"></span>,1<span class=\"_ _8\"></span> %<span class=\"_ _cb\"> </span><span class=\"ls0 ws0\">2,<span class=\"_ _8\"></span>5 %<span class=\"_ _b9\"> </span><span class=\"lse wse\">Tille<span class=\"_ _8\"></span>ggskapital <span class=\"_ _2ee\"> </span><span class=\"ls10 ws10\">2,0 %<span class=\"_ _89\"> </span></span></span>1,9 %</span></span><span style=\"display:inherit;clear:left;\">23,<span class=\"_ _8\"></span>3 %<span class=\"_ _ea\"> </span></span><span style=\"display:inherit;clear:left;\">2<span class=\"_ _8\"></span>5,0 %<span class=\"_ _11a\"> </span></span><span style=\"display:inherit;clear:left;\">Kapitaldekning<span class=\"_ _278\"> </span><span class=\"ls13f ws1ed\">20,<span class=\"_ _8\"></span>3 %<span class=\"_ _10b\"> </span><span class=\"ls11 ws11\">21,4 %</span></span></span><span style=\"display:inherit;clear:left;\">3<span class=\"_ _8\"></span>1/<span class=\"_ _a\"></span>1<span class=\"_ _8\"></span>2-2<span class=\"_ _8\"></span>2<span class=\"_ _57\"> </span>3<span class=\"_ _8\"></span>1<span class=\"_ _8\"></span>/<span class=\"_ _8\"></span>1<span class=\"_ _8\"></span>2-2<span class=\"_ _8\"></span>3<span class=\"_ _b8\"> </span></span><span style=\"display:inherit;clear:left;\">Uv<span class=\"_ _1\"></span>ektet kjernekapitalandel<span class=\"_ _2ef\"> </span><span class=\"ls13 ws13\">3<span class=\"_ _8\"></span>1/<span class=\"_ _a\"></span>1<span class=\"_ _8\"></span>2-2<span class=\"_ _8\"></span>3<span class=\"_ _57\"> </span>3<span class=\"_ _8\"></span>1<span class=\"_ _8\"></span>/<span class=\"_ _8\"></span>1<span class=\"_ _8\"></span>2-2<span class=\"_ _8\"></span>2</span></span><span style=\"display:inherit;clear:left;\">161 7<span class=\"_ _2\"></span>61<span class=\"_ _c3\"> </span></span><span style=\"display:inherit;clear:left;\">187 595<span class=\"_ _11a\"> </span></span><span style=\"display:inherit;clear:left;\">Balanseposter inklusiv bruttokonsolidering av tilkn<span class=\"_ _1\"></span>yttede selskaper<span class=\"_ _ed\"> </span><span class=\"ls123 ws1cd\">316 489<span class=\"_ _c3\"> </span><span class=\"ls108 ws16a\">272 6<span class=\"_ _8\"></span>18</span></span></span><span style=\"display:inherit;clear:left;\">27 006<span class=\"_ _1b4\"> </span></span><span style=\"display:inherit;clear:left;\">12 5<span class=\"_ _8\"></span>95<span class=\"_ _b9\"> </span></span><span style=\"display:inherit;clear:left;\">Poster utenom<span class=\"_ _1\"></span> balansen<span class=\"_ _1e0\"> </span><span class=\"ls0 ws0\">11 613<span class=\"_ _10a\"> </span>11 54<span class=\"_ _8\"></span>0</span></span><span style=\"display:inherit;clear:left;\">1 350<span class=\"_ _1a\"> </span></span><span style=\"display:inherit;clear:left;\">45<span class=\"_ _b9\"> </span></span><span style=\"display:inherit;clear:left;\">\u00d8vrige justering<span class=\"_ _1\"></span>er<span class=\"_ _2af\"> </span><span class=\"ls9 ws9\">328<span class=\"_ _ba\"> </span><span class=\"ls120 ws1cb\">-80</span></span></span><span style=\"display:inherit;clear:left;\">190<span class=\"_ _8\"></span> 117<span class=\"_ _58\"> </span></span><span style=\"display:inherit;clear:left;\">20<span class=\"_ _8\"></span>0 235<span class=\"_ _11a\"> </span></span><span style=\"display:inherit;clear:left;\">Beregningsgrunnlag for u<span class=\"_ _1\"></span>vektet kjernekapi<span class=\"_ _1\"></span>talandel<span class=\"_ _2f0\"> </span><span class=\"ls125 ws1cf\">32<span class=\"_ _8\"></span>8 42<span class=\"_ _8\"></span>9<span class=\"_ _59\"> </span><span class=\"ls21 ws175\">28<span class=\"_ _8\"></span>4 07<span class=\"_ _8\"></span>7</span></span></span><span style=\"display:inherit;clear:left;\">18<span class=\"_ _8\"></span> 520<span class=\"_ _10b\"> </span></span><span style=\"display:inherit;clear:left;\">19 208<span class=\"_ _b9\"> </span></span><span style=\"display:inherit;clear:left;\">Kjernekapital<span class=\"_ _2b0\"> </span><span class=\"ls124 ws1ce\">1<span class=\"_ _a\"></span>9<span class=\"_ _8\"></span> 74<span class=\"_ _a\"></span>6<span class=\"_ _10a\"> </span><span class=\"ls21 ws175\">1<span class=\"_ _8\"></span>9 079</span></span></span><span style=\"display:inherit;clear:left;\">9,7<span class=\"_ _8\"></span> %<span class=\"_ _d4\"> </span></span><span style=\"display:inherit;clear:left;\">9,6<span class=\"_ _8\"></span> %<span class=\"_ _11a\"> </span></span><span style=\"display:inherit;clear:left;\">Uvektet<span class=\"_ _1\"></span> kjernekapitalandel (Le<span class=\"_ _1\"></span>ver<span class=\"_ _1\"></span>age ra<span class=\"_ _1\"></span>tio<span class=\"_ _1\"></span>)<span class=\"_ _23a\"> </span></span><span style=\"display:inherit;clear:left;\">6,0<span class=\"_ _8\"></span> %</span><span style=\"display:inherit;clear:left;\"><span class=\"_ _d4\"> </span><span class=\"lsa2 wsfe\">6<span class=\"_ _8\"></span>,7<span class=\"_ _8\"></span> %</span></span><span style=\"display:inherit;clear:left;\">No<span class=\"_ _1\"></span>te 42 Egenkap<span class=\"_ _1\"></span>ital<span class=\"_ _1\"></span>bevise<span class=\"_ _1\"></span>t</span><span style=\"display:inherit;clear:left;\">Eierandelskapitalen<span class=\"_ _1\"></span> per 31. desember 2<span class=\"_ _1\"></span>023 best\u00e5r a<span class=\"_ _1\"></span>v<span class=\"_ _1\"></span> 109 7<span class=\"_ _1\"></span>21 18<span class=\"_ _1\"></span>6 egenkapitalbe<span class=\"_ _1\"></span>vis p\u00e5ly<span class=\"_ _1\"></span>dende 25<span class=\"_ _1\"></span> kroner<span class=\"_ _0\"></span>.</span><span style=\"display:inherit;clear:left;\">Eier<span class=\"_ _1\"></span>andelsbr<span class=\"_ _1\"></span>\u00f8ken</span><span style=\"display:inherit;clear:left;\">Morbank (<span class=\"_ _1\"></span>tall i<span class=\"_ _1\"></span> tusen<span class=\"_ _1\"></span> kroner<span class=\"_ _1\"></span>)<span class=\"_ _2f1\"> </span><span class=\"ls0 ws0\">31/12<span class=\"_ _1\"></span>-2<span class=\"_ _1\"></span>3<span class=\"_ _10a\"> </span>31/12<span class=\"_ _1\"></span>-<span class=\"_ _1\"></span>22</span></span><span style=\"display:inherit;clear:left;\">Egenkapitalbevis<span class=\"_ _2f2\"> </span><span class=\"ls0 ws0\">2 7<span class=\"_ _0\"></span>43 030<span class=\"_ _c3\"> </span>2 7<span class=\"_ _2\"></span>43 03<span class=\"_ _1\"></span>0</span></span><span style=\"display:inherit;clear:left;\">Egne egenkapitalbe<span class=\"_ _1\"></span>vis<span class=\"_ _2df\"> </span>-884<span class=\"_ _9b\"> </span>-2 7<span class=\"_ _2\"></span>06</span><span style=\"display:inherit;clear:left;\">Overk<span class=\"_ _1\"></span>urs<span class=\"_ _19c\"> </span>1 966 2<span class=\"_ _1\"></span>96<span class=\"_ _111\"> </span>1 966 296</span><span style=\"display:inherit;clear:left;\">Utjevnings<span class=\"_ _1\"></span>f<span class=\"_ _1\"></span>ond<span class=\"_ _2f3\"> </span>2 7<span class=\"_ _1\"></span>88 622<span class=\"_ _bf\"> </span>2 523 35<span class=\"_ _1\"></span>9</span><span style=\"display:inherit;clear:left;\">Sum eier<span class=\"_ _1\"></span>andelskapital (A)<span class=\"_ _2f4\"> </span>7 4<span class=\"_ _1\"></span>9<span class=\"_ _1\"></span>7 064<span class=\"_ _bf\"> </span>7 229 9<span class=\"_ _2\"></span>78</span><span style=\"display:inherit;clear:left;\">Grunnf<span class=\"_ _1\"></span>ondskapital<span class=\"_ _1f6\"> </span>10 75<span class=\"_ _1\"></span>0 33<span class=\"_ _1\"></span>7<span class=\"_ _c0\"> </span>10 3<span class=\"_ _1\"></span>7<span class=\"_ _1\"></span>3 0<span class=\"_ _1\"></span>33</span><span style=\"display:inherit;clear:left;\">Kompensasjons<span class=\"_ _1\"></span>f<span class=\"_ _1\"></span>ond<span class=\"_ _2e1\"> </span><span class=\"ls82 ws14b\">3<span class=\"_ _8\"></span>5 508<span class=\"_ _cd\"> </span>35<span class=\"_ _8\"></span> 508</span></span><span style=\"display:inherit;clear:left;\">Ga<span class=\"_ _1\"></span>ve<span class=\"_ _1\"></span>f<span class=\"_ _1\"></span>ond<span class=\"_ _2f5\"> </span>150 000<span class=\"_ _c7\"> </span>150 000</span><span style=\"display:inherit;clear:left;\">Sum grunnf<span class=\"_ _1\"></span>ondskapital (B)<span class=\"_ _2f6\"> </span>10 935 84<span class=\"_ _1\"></span>5<span class=\"_ _e0\"> </span>10 558 54<span class=\"_ _2\"></span>1</span><span style=\"display:inherit;clear:left;\">F<span class=\"_ _2\"></span>ond for ur<span class=\"_ _1\"></span>ealiserte ge<span class=\"_ _1\"></span>vinst<span class=\"_ _1\"></span>er<span class=\"_ _238\"> </span>113 530<span class=\"_ _8a\"> </span><span class=\"ls136 ws1e3\">93 5<span class=\"_ _8\"></span>56</span></span><span style=\"display:inherit;clear:left;\">Hybridkapital<span class=\"_ _2f7\"> </span>1 66<span class=\"_ _1\"></span>7 913<span class=\"_ _5a\"> </span>1 430 7<span class=\"_ _1\"></span>56</span><span style=\"display:inherit;clear:left;\">Egenkapital<span class=\"_ _22b\"> </span>20 214 3<span class=\"_ _1\"></span>52<span class=\"_ _c2\"> </span>19 312 831</span><span style=\"display:inherit;clear:left;\">Eierandelsbr<span class=\"_ _1\"></span>\u00f8k e<span class=\"_ _1\"></span>tt<span class=\"_ _1\"></span>er utdelt utb<span class=\"_ _2\"></span>ytte (A /(A+ B))<span class=\"_ _140\"> </span><span class=\"ls152 ws203\">4<span class=\"_ _8\"></span>0<span class=\"_ _8\"></span>,7<span class=\"_ _a\"></span> %<span class=\"_ _6b\"> </span><span class=\"ls109 ws16b\">40,6<span class=\"_ _8\"></span> %</span></span></span><span style=\"display:inherit;clear:left;\">V<span class=\"_ _1\"></span>ekt<span class=\"_ _1\"></span>e<span class=\"_ _1\"></span>t eierandelsbr<span class=\"_ _1\"></span>\u00f8k gjennom \u00e5r<span class=\"_ _1\"></span>e<span class=\"_ _1\"></span>t<span class=\"_ _1bb\"> </span><span class=\"ls109 ws16b\">40,6<span class=\"_ _8\"></span> %<span class=\"_ _83\"> </span>40,0 %</span></span><span style=\"display:inherit;clear:left;\">Utb<span class=\"_ _1\"></span>ytt<span class=\"_ _1\"></span>e pr<span class=\"_ _2\"></span>. egenkapitalbe<span class=\"_ _1\"></span>vis<span class=\"_ _2ab\"> </span><span class=\"ls14a ws1fa\">7,<span class=\"_ _38\"></span>5<span class=\"_ _a\"></span>0<span class=\"_ _8d\"> </span><span class=\"ls139 ws1e6\">5,50</span></span></span><span style=\"display:inherit;clear:left;\">T<span class=\"_ _0\"></span>otalt utb<span class=\"_ _1\"></span>ytt<span class=\"_ _1\"></span>e p\u00e5 109 7<span class=\"_ _1\"></span>21 186 eg<span class=\"_ _1\"></span>enkapitalbe<span class=\"_ _1\"></span>vis (1 000 kroner)<span class=\"_ _20f\"> </span>8<span class=\"_ _1\"></span>22 909<span class=\"_ _a3\"> </span><span class=\"ls6b wsc3\">6<span class=\"_ _8\"></span>03<span class=\"_ _8\"></span> 467</span></span><span style=\"display:inherit;clear:left;\">Egne egenkapitalbe<span class=\"_ _1\"></span>vis</span><span style=\"display:inherit;clear:left;\">Ved kj\u00f8p av eg<span class=\"_ _8\"></span>ne e<span class=\"_ _8\"></span>genka<span class=\"_ _8\"></span>pit<span class=\"_ _8\"></span>alb<span class=\"_ _8\"></span>evis b<span class=\"_ _8\"></span>lir kj<span class=\"_ _8\"></span>\u00f8p<span class=\"_ _8\"></span>esum<span class=\"_ _8\"></span>men i<span class=\"_ _8\"></span>nkl<span class=\"_ _8\"></span>usive di<span class=\"_ _8\"></span>rek<span class=\"_ _8\"></span>te kost<span class=\"_ _8\"></span>nader f\u00f8<span class=\"_ _8\"></span>rt s<span class=\"_ _8\"></span>om red<span class=\"_ _8\"></span>uksj<span class=\"_ _8\"></span>on i ege<span class=\"_ _8\"></span>nkap<span class=\"_ _8\"></span>ita<span class=\"_ _8\"></span>len<span class=\"_ _8\"></span>. P\u00e5lyde<span class=\"_ _8\"></span>nde av </span><span style=\"display:inherit;clear:left;\">egne egenkapitalbevis<span class=\"_ _1\"></span> blir f<span class=\"_ _1\"></span>\u00f8rt opp med negativt bel\u00f8p p\u00e5<span class=\"_ _1\"></span> egen li<span class=\"_ _1\"></span>nje under eier<span class=\"_ _1\"></span>andelskapitalen. Kj\u00f8pesum ut<span class=\"_ _1\"></span> ov<span class=\"_ _1\"></span>er p\u00e5ly<span class=\"_ _1\"></span>dende g\u00e5r ti<span class=\"_ _1\"></span>l </span><span style=\"display:inherit;clear:left;\">fradr<span class=\"_ _1\"></span>ag i utje<span class=\"_ _1\"></span>vningsfondet.</span><span style=\"display:inherit;clear:left;\">2023<span class=\"_ _93\"> </span>2022</span><span style=\"display:inherit;clear:left;\">Antall egne egenkapitalbevis 1/1<span class=\"_ _1ee\"> </span><span class=\"ls0 ws0\">108 255<span class=\"_ _cc\"> </span>185 2<span class=\"_ _1\"></span>86</span></span><span style=\"display:inherit;clear:left;\">Kj\u00f8pte eg<span class=\"_ _1\"></span>enkapitalbevis<span class=\"_ _1de\"> </span><span class=\"ls0 ws0\">2<span class=\"_ _1\"></span>39 5<span class=\"_ _1\"></span>11<span class=\"_ _dc\"> </span>170 2<span class=\"_ _1\"></span>00</span></span><span style=\"display:inherit;clear:left;\">Solgte eg<span class=\"_ _1\"></span>enkapitalbevis<span class=\"_ _2f8\"> </span>312 40<span class=\"_ _1\"></span>9<span class=\"_ _cb\"> </span><span class=\"ls13e ws1ec\">2<span class=\"_ _8\"></span>47<span class=\"_ _8\"></span> 2<span class=\"_ _a\"></span>3<span class=\"_ _8\"></span>1</span></span><span style=\"display:inherit;clear:left;\">Antall egne eg<span class=\"_ _1\"></span>enkapitalbe<span class=\"_ _1\"></span>vis 31/12<span class=\"_ _297\"> </span><span class=\"ls9 ws9\">35 357<span class=\"_ _19a\"> </span></span>108 255</span><span style=\"display:inherit;clear:left;\">Ef<span class=\"_ _1\"></span>fektiv a<span class=\"_ _2\"></span>vkastning pr<span class=\"_ _0\"></span>. egenkapitalbevis</span><span style=\"display:inherit;clear:left;\">2023<span class=\"_ _93\"> </span>2022</span><span style=\"display:inherit;clear:left;\">B\u00f8rskurs 3<span class=\"_ _1\"></span>1/12<span class=\"_ _2f9\"> </span><span class=\"ls109 ws16b\">10<span class=\"_ _8\"></span>9,4<span class=\"_ _8\"></span>0<span class=\"_ _108\"> </span><span class=\"lsf6 ws158\">92,<span class=\"_ _8\"></span>40</span></span></span><span style=\"display:inherit;clear:left;\">Utbetalt utb<span class=\"_ _1\"></span>yt<span class=\"_ _1\"></span>te i \u00e5r<span class=\"_ _1\"></span>e<span class=\"_ _1\"></span>t<span class=\"_ _2e0\"> </span><span class=\"ls12c ws1d6\">8,50<span class=\"_ _11\"> </span>4,5<span class=\"_ _8\"></span>0</span></span><span style=\"display:inherit;clear:left;\">B\u00f8rskurs 1/1<span class=\"_ _12d\"> </span><span class=\"lsf6 ws158\">92,<span class=\"_ _8\"></span>40<span class=\"_ _83\"> </span></span>100,2<span class=\"_ _1\"></span>0</span><span style=\"display:inherit;clear:left;\">Ef<span class=\"_ _1\"></span>f<span class=\"_ _1\"></span>ektiv a<span class=\"_ _1\"></span>vkastning i kr<span class=\"_ _1\"></span>oner<span class=\"_ _2fa\"> </span><span class=\"ls139 ws1e6\">25,50<span class=\"_ _1b\"> </span><span class=\"ls84 wsdf\">-3,<span class=\"_ _8\"></span>30</span></span></span><span style=\"display:inherit;clear:left;\">Ef<span class=\"_ _1\"></span>f<span class=\"_ _1\"></span>ektiv a<span class=\"_ _1\"></span>vkastning i pr<span class=\"_ _1\"></span>osen<span class=\"_ _1\"></span>t<span class=\"_ _2c1\"> </span><span class=\"ls14a ws1fa\">2<span class=\"_ _a\"></span>7,<span class=\"_ _a\"></span>6<span class=\"_ _38\"></span>0<span class=\"_ _12\"> </span><span class=\"ls84 wsdf\">-3,<span class=\"_ _8\"></span>29</span></span></span><span style=\"display:inherit;clear:left;\">Andel a<span class=\"_ _1\"></span>v <span class=\"_ _4\"></span> </span><span style=\"display:inherit;clear:left;\">20 S<span class=\"_ _1\"></span>t\u00f8rs<span class=\"_ _1\"></span>te eier<span class=\"_ _1\"></span>e<span class=\"_ _2fb\"> </span><span class=\"ls0 ws0\">Antall EKB</span></span><span style=\"display:inherit;clear:left;\">EKB-kap. %</span><span style=\"display:inherit;clear:left;\">Sparebanksti<span class=\"_ _1\"></span>ftinga Hardang<span class=\"_ _1\"></span>er<span class=\"_ _155\"> </span><span class=\"ls0 ws0\"> 11 95<span class=\"_ _1\"></span>4 39<span class=\"_ _1\"></span>4 <span class=\"_ _1a\"> </span><span class=\"ls109 ws16b\">10,<span class=\"_ _8\"></span>89</span></span></span><span style=\"display:inherit;clear:left;\">P<span class=\"_ _1\"></span>are<span class=\"_ _1\"></span>t<span class=\"_ _1\"></span>o Inv<span class=\"_ _1\"></span>est Nor<span class=\"_ _1\"></span>g<span class=\"_ _1\"></span>e AS<span class=\"_ _2f8\"> </span> 8 4<span class=\"_ _1\"></span>11 112 <span class=\"_ _e9\"> </span><span class=\"ls14a ws1fa\">7,<span class=\"_ _a\"></span>6<span class=\"_ _a\"></span>7</span></span><span style=\"display:inherit;clear:left;\">Gev<span class=\"_ _1\"></span>er<span class=\"_ _1\"></span>an T<span class=\"_ _2\"></span>ra<span class=\"_ _1\"></span>ding Company L<span class=\"_ _0\"></span>TD<span class=\"_ _2b2\"> </span> 4 39<span class=\"_ _2\"></span>7 818 <span class=\"_ _91\"> </span><span class=\"ls109 ws16b\">4,01</span></span><span style=\"display:inherit;clear:left;\">V<span class=\"_ _2\"></span>erdipapirfonde<span class=\"_ _1\"></span>t Alfr<span class=\"_ _1\"></span>ed Ber<span class=\"_ _1\"></span>g Gambak<span class=\"_ _2cc\"> </span> 3 5<span class=\"_ _1\"></span>8<span class=\"_ _1\"></span>9 28<span class=\"_ _1\"></span>2 <span class=\"_ _3e\"> </span><span class=\"ls13 ws13\">3<span class=\"_ _8\"></span>,27</span></span><span style=\"display:inherit;clear:left;\">VPF Eika Egenkapitalbe<span class=\"_ _1\"></span>vis<span class=\"_ _24f\"> </span> 3 43<span class=\"_ _1\"></span>7 214 <span class=\"_ _10\"> </span><span class=\"ls146 ws1f6\">3<span class=\"_ _a\"></span>,1<span class=\"_ _a\"></span>3</span></span><span style=\"display:inherit;clear:left;\">Sparebank<span class=\"_ _1\"></span>stift<span class=\"_ _1\"></span>elsen Sauda<span class=\"_ _2fc\"> </span> 3 144 264 <span class=\"_ _3e\"> </span><span class=\"ls132 ws1de\">2<span class=\"_ _8\"></span>,<span class=\"_ _8\"></span>87</span></span><span style=\"display:inherit;clear:left;\">Kommunal Landspensjonskas<span class=\"_ _1\"></span>se Gjensidige<span class=\"_ _2a5\"> </span> 2 764 18<span class=\"_ _1\"></span>5 <span class=\"_ _21a\"> </span><span class=\"ls138 ws1e5\">2<span class=\"_ _8\"></span>,52</span></span><span style=\"display:inherit;clear:left;\">Sparebank<span class=\"_ _1\"></span>stifting<span class=\"_ _1\"></span>a Etne<span class=\"_ _241\"> </span> 2 514 296 <span class=\"_ _8d\"> </span>2,29</span><span style=\"display:inherit;clear:left;\">P<span class=\"_ _1\"></span>are<span class=\"_ _1\"></span>t<span class=\"_ _1\"></span>o Aksje Nor<span class=\"_ _1\"></span>ge V<span class=\"_ _2\"></span>erdipapirf<span class=\"_ _1\"></span>ond<span class=\"_ _289\"> </span> 2 49<span class=\"_ _1\"></span>2 54<span class=\"_ _2\"></span>7 <span class=\"_ _3e\"> </span>2,27</span><span style=\"display:inherit;clear:left;\">Spesialfonde<span class=\"_ _1\"></span>t Bor<span class=\"_ _1\"></span>ea Utb<span class=\"_ _1\"></span>ytt<span class=\"_ _1\"></span>e<span class=\"_ _2b3\"> </span> 2 216 04<span class=\"_ _2\"></span>1 <span class=\"_ _8d\"> </span><span class=\"ls109 ws16b\">2<span class=\"_ _8\"></span>,02</span></span><span style=\"display:inherit;clear:left;\">Bro<span class=\"_ _1\"></span>wn Br<span class=\"_ _1\"></span>o<span class=\"_ _1\"></span>thers Harriman &amp; Co.<span class=\"_ _2b4\"> </span> 2 183 0<span class=\"_ _1\"></span>7<span class=\"_ _1\"></span>5 <span class=\"_ _e9\"> </span><span class=\"ls82 ws14b\">1,99</span></span><span style=\"display:inherit;clear:left;\">Blomest<span class=\"_ _1\"></span>\u00f8 AS<span class=\"_ _2e2\"> </span> 2 000 000 <span class=\"_ _9a\"> </span><span class=\"ls138 ws1e5\">1,<span class=\"_ _8\"></span>82</span></span><span style=\"display:inherit;clear:left;\">Sta<span class=\"_ _1\"></span>t<span class=\"_ _1\"></span>e Str<span class=\"_ _1\"></span>ee<span class=\"_ _1\"></span>t Bank and T<span class=\"_ _2\"></span>rust Comp<span class=\"_ _2fd\"> </span> 1 89<span class=\"_ _1\"></span>2 95<span class=\"_ _1\"></span>8 <span class=\"_ _92\"> </span><span class=\"ls152 ws203\">1<span class=\"_ _38\"></span>,7<span class=\"_ _8\"></span>3</span></span><span style=\"display:inherit;clear:left;\">J.P<span class=\"_ _0\"></span>. Morg<span class=\"_ _1\"></span>an SE<span class=\"_ _2fe\"> </span> 1 33<span class=\"_ _1\"></span>7 2<span class=\"_ _1\"></span>7<span class=\"_ _1\"></span>3 <span class=\"_ _e9\"> </span>1,22</span><span style=\"display:inherit;clear:left;\">V<span class=\"_ _2\"></span>erdipapirfonde<span class=\"_ _1\"></span>t Nor<span class=\"_ _1\"></span>dea Norg<span class=\"_ _1\"></span>e V<span class=\"_ _2\"></span>erdi<span class=\"_ _2ff\"> </span> 1 30<span class=\"_ _1\"></span>3 343 <span class=\"_ _96\"> </span>1,<span class=\"_ _1\"></span>19</span><span style=\"display:inherit;clear:left;\">DNB Marke<span class=\"_ _1\"></span>ts Aksjehandel/-<span class=\"_ _1\"></span>Analy<span class=\"_ _1\"></span>se<span class=\"_ _289\"> </span> 1 2<span class=\"_ _1\"></span>96 85<span class=\"_ _1\"></span>9 <span class=\"_ _3d\"> </span>1,<span class=\"_ _0\"></span>18</span><span style=\"display:inherit;clear:left;\">Sparebank<span class=\"_ _1\"></span>stift<span class=\"_ _1\"></span>elsen Spar<span class=\"_ _1\"></span>ebanken V<span class=\"_ _2\"></span>est<span class=\"_ _137\"> </span> 1 19<span class=\"_ _1\"></span>3 95<span class=\"_ _1\"></span>8 <span class=\"_ _e9\"> </span><span class=\"ls109 ws16b\">1,0<span class=\"_ _8\"></span>9</span></span><span style=\"display:inherit;clear:left;\">Spar Shipping AS<span class=\"_ _1dc\"> </span> 1 183 48<span class=\"_ _1\"></span>0 <span class=\"_ _e9\"> </span><span class=\"ls109 ws16b\">1,0<span class=\"_ _8\"></span>8</span></span><span style=\"display:inherit;clear:left;\">J.P<span class=\"_ _0\"></span>. Morg<span class=\"_ _1\"></span>an SE<span class=\"_ _300\"> </span> 1 117 30<span class=\"_ _1\"></span>3 <span class=\"_ _e9\"> </span><span class=\"ls109 ws16b\">1<span class=\"_ _8\"></span>,02</span></span><span style=\"display:inherit;clear:left;\">MP Pensjon <span class=\"_ _301\"> </span> 1 085 43<span class=\"_ _1\"></span>6 <span class=\"_ _16\"> </span><span class=\"ls109 ws16b\">0,<span class=\"_ _8\"></span>99</span></span><span style=\"display:inherit;clear:left;\">Sum<span class=\"_ _302\"> </span>59 5<span class=\"_ _1\"></span>14 83<span class=\"_ _1\"></span>8<span class=\"_ _5d\"> </span><span class=\"ls6b wsc3\">54,<span class=\"_ _8\"></span>24</span></span><span style=\"display:inherit;clear:left;\">F<span class=\"_ _2\"></span>ordeling e<span class=\"_ _1\"></span>tter an<span class=\"_ _1\"></span>tall <span class=\"_ _228\"> </span>   V<span class=\"_ _2\"></span>oluminterv<span class=\"_ _1\"></span>all<span class=\"_ _98\"> </span>Antall EKB<span class=\"_ _10b\"> </span>Andel i %<span class=\"_ _11a\"> </span>Antall eier<span class=\"_ _1\"></span>e<span class=\"_ _10b\"> </span>Andel i %</span><span style=\"display:inherit;clear:left;\">1 - 1 000<span class=\"_ _a2\"> </span>2 440 83<span class=\"_ _2\"></span>7<span class=\"_ _78\"> </span>2,22<span class=\"_ _72\"> </span><span class=\"ls139 ws1e6\">7 3<span class=\"_ _8\"></span>51<span class=\"_ _108\"> </span><span class=\"ls109 ws16b\">6<span class=\"_ _8\"></span>4,02</span></span></span><span style=\"display:inherit;clear:left;\">1 001 - 10 000<span class=\"_ _3e\"> </span>11 32<span class=\"_ _1\"></span>9 39<span class=\"_ _2\"></span>7<span class=\"_ _93\"> </span>10,3<span class=\"_ _1\"></span>3<span class=\"_ _6e\"> </span><span class=\"ls133 ws1e0\">3 554<span class=\"_ _94\"> </span><span class=\"ls109 ws16b\">30,9<span class=\"_ _8\"></span>5</span></span></span><span style=\"display:inherit;clear:left;\">10 001 - 100 000<span class=\"_ _8e\"> </span>12 542 95<span class=\"_ _1\"></span>9<span class=\"_ _1a\"> </span>11,43<span class=\"_ _3e\"> </span><span class=\"ls138 ws1e5\">4<span class=\"_ _8\"></span>82<span class=\"_ _18\"> </span><span class=\"ls125 ws1cf\">4,20</span></span></span><span style=\"display:inherit;clear:left;\">100 001 - 1 000 000<span class=\"_ _c7\"> </span>20 777 55<span class=\"_ _1\"></span>7<span class=\"_ _74\"> </span></span><span style=\"display:inherit;clear:left;\">1<span class=\"_ _8\"></span>8,94<span class=\"_ _97\"> </span><span class=\"ls137 ws1e4\">72<span class=\"_ _78\"> </span><span class=\"ls109 ws16b\">0,6<span class=\"_ _8\"></span>3</span></span></span><span style=\"display:inherit;clear:left;\">1 000 001 -<span class=\"_ _d5\"> </span>62 630 436<span class=\"_ _74\"> </span></span><span style=\"display:inherit;clear:left;\">5<span class=\"_ _a\"></span>7,<span class=\"_ _a\"></span>0<span class=\"_ _38\"></span>8<span class=\"_ _15\"> </span><span class=\"ls21 ws175\">23<span class=\"_ _18\"> </span><span class=\"ls109 ws16b\">0,<span class=\"_ _8\"></span>20</span></span></span><span style=\"display:inherit;clear:left;\">Sum<span class=\"_ _206\"> </span>109 7<span class=\"_ _1\"></span>21 186<span class=\"_ _91\"> </span>100<span class=\"_ _107\"> </span>11 482<span class=\"_ _91\"> </span>100</span><span style=\"display:inherit;clear:left;\">Ege<span class=\"_ _8\"></span>nkap<span class=\"_ _8\"></span>ita<span class=\"_ _8\"></span>lbev<span class=\"_ _8\"></span>is ei<span class=\"_ _8\"></span>et av dag<span class=\"_ _8\"></span>lig l<span class=\"_ _8\"></span>ede<span class=\"_ _8\"></span>r<span class=\"_ _2\"></span>, l<span class=\"_ _8\"></span>ede<span class=\"_ _8\"></span>nde a<span class=\"_ _8\"></span>nsatt<span class=\"_ _8\"></span>e, me<span class=\"_ _8\"></span>dlem<span class=\"_ _8\"></span>mer av st<span class=\"_ _8\"></span>yret og d<span class=\"_ _8\"></span>eres p<span class=\"_ _8\"></span>ers<span class=\"_ _8\"></span>onl<span class=\"_ _8\"></span>ige n\u00e6<span class=\"_ _8\"></span>rst\u00e5e<span class=\"_ _8\"></span>nde<span class=\"_ _8\"></span>, samt m<span class=\"_ _8\"></span>edl<span class=\"_ _8\"></span>emm<span class=\"_ _8\"></span>er av </span><span style=\"display:inherit;clear:left;\">genera<span class=\"_ _1\"></span>lforsamling<span class=\"_ _1\"></span>en, definert etter<span class=\"_ _1\"></span> regnskapslov<span class=\"_ _1\"></span>ens \u00a7<span class=\"_ _1\"></span> 7<span class=\"_ _2\"></span>-<span class=\"_ _1\"></span>2<span class=\"_ _1\"></span>6 og til<span class=\"_ _1\"></span>leg<span class=\"_ _8\"></span>gsf<span class=\"_ _1\"></span>orskrift \u00a7 8<span class=\"_ _1\"></span>-<span class=\"_ _2\"></span>20.</span><span style=\"display:inherit;clear:left;\">Antall EKB</span><span style=\"display:inherit;clear:left;\">Jan Erik<span class=\"_ _1\"></span> Kjerpeseth, Konserns<span class=\"_ _1\"></span>jef<span class=\"_ _16e\"> </span></span><span style=\"display:inherit;clear:left;\">182 18<span class=\"_ _1\"></span>2</span><span style=\"display:inherit;clear:left;\">Aud Margunn Aas Minne, K<span class=\"_ _1\"></span>onserndir<span class=\"_ _1\"></span>ekt\u00f8r Bedriftsmark<span class=\"_ _1\"></span>ed<span class=\"_ _266\"> </span>21 186</span><span style=\"display:inherit;clear:left;\">Jan-St<span class=\"_ _1\"></span>\u00e5le Ha<span class=\"_ _1\"></span>tlebakk, Konserndir<span class=\"_ _1\"></span>ekt\u00f8r Risk Manag<span class=\"_ _1\"></span>ement/CRO<span class=\"_ _27a\"> </span><span class=\"ls12c ws1d6\">36<span class=\"_ _8\"></span> 036</span></span><span style=\"display:inherit;clear:left;\">F<span class=\"_ _1\"></span>r<span class=\"_ _1\"></span>ank Ot<span class=\"_ _1\"></span>to Johannesen, K<span class=\"_ _1\"></span>onserndir<span class=\"_ _1\"></span>ekt\u00f8r CF<span class=\"_ _2\"></span>O<span class=\"_ _26a\"> </span><span class=\"ls135 ws1e2\">89 33<span class=\"_ _8\"></span>9</span></span><span style=\"display:inherit;clear:left;\">Siren Sundland, K<span class=\"_ _1\"></span>onserndir<span class=\"_ _1\"></span>ekt\u00f8r S<span class=\"_ _1\"></span>tr<span class=\"_ _1\"></span>a<span class=\"_ _1\"></span>tegi og Digital distribusjon<span class=\"_ _303\"> </span><span class=\"ls31 ws81\">84<span class=\"_ _8\"></span> 759</span></span><span style=\"display:inherit;clear:left;\">Therese Linn Ar<span class=\"_ _1\"></span>en<span class=\"_ _1\"></span>tsen, K<span class=\"_ _1\"></span>onserndir<span class=\"_ _1\"></span>ekt\u00f8r HR og Or<span class=\"_ _1\"></span>ganisasjon<span class=\"_ _2c2\"> </span>12 646</span><span style=\"display:inherit;clear:left;\">Simen L\u00f8land Aarsk<span class=\"_ _1\"></span>og, Konserndir<span class=\"_ _1\"></span>ekt\u00f8r P<span class=\"_ _1\"></span>ersonmark<span class=\"_ _1\"></span>ed S\u00f8r<span class=\"_ _304\"> </span><span class=\"ls120 ws1cb\">11 666</span></span><span style=\"display:inherit;clear:left;\">Hans Ola<span class=\"_ _1\"></span>v Ingdal, K<span class=\"_ _1\"></span>onserndir<span class=\"_ _1\"></span>ekt\u00f8r Banking Services<span class=\"_ _155\"> </span>13 221</span><span style=\"display:inherit;clear:left;\">Ola<span class=\"_ _1\"></span>v Hovland, k<span class=\"_ _1\"></span>ons<span class=\"_ _1\"></span>tituert Konserndir<span class=\"_ _1\"></span>ekt\u00f8r P<span class=\"_ _1\"></span>ersonmark<span class=\"_ _1\"></span>ed Nor<span class=\"_ _1\"></span>d<span class=\"_ _2e8\"> </span>5 902</span><span style=\"display:inherit;clear:left;\">Arild Hugleik B\u00f8dal, Styr<span class=\"_ _1\"></span>e<span class=\"_ _1\"></span>ts leder<span class=\"_ _6c\"> </span>71 001</span><span style=\"display:inherit;clear:left;\">Magne Morken, S<span class=\"_ _1\"></span>tyr<span class=\"_ _1\"></span>ets nes<span class=\"_ _1\"></span>tleder<span class=\"_ _2a2\"> </span>10 000</span><span style=\"display:inherit;clear:left;\">Agnethe Br<span class=\"_ _1\"></span>ekke, S<span class=\"_ _1\"></span>tyr<span class=\"_ _1\"></span>emedlem<span class=\"_ _305\"> </span><span class=\"ls131 ws1dd\">6<span class=\"_ _8\"></span>41</span></span><span style=\"display:inherit;clear:left;\">Marianne Dorthea Jacobsen, S<span class=\"_ _1\"></span>tyr<span class=\"_ _1\"></span>emedlem<span class=\"_ _1b5\"> </span><span class=\"ls61 wsb5\">1<span class=\"_ _8\"></span> 2<span class=\"_ _8\"></span>37</span></span><span style=\"display:inherit;clear:left;\">Gunnar Skeie, S<span class=\"_ _1\"></span>tyr<span class=\"_ _1\"></span>emedlem<span class=\"_ _19c\"> </span>11 069</span><span style=\"display:inherit;clear:left;\">Kristin R\u00f8<span class=\"_ _1\"></span>yrbo<span class=\"_ _1\"></span>tt<span class=\"_ _1\"></span>en Ax<span class=\"_ _1\"></span>elsen, Styr<span class=\"_ _1\"></span>emedlem ansa<span class=\"_ _1\"></span>t<span class=\"_ _1\"></span>tr<span class=\"_ _1\"></span>epresen<span class=\"_ _1\"></span>tan<span class=\"_ _1\"></span>t<span class=\"_ _1e0\"> </span>10 650</span><span style=\"display:inherit;clear:left;\">Henrik Mogens Gundersen, S<span class=\"_ _1\"></span>tyr<span class=\"_ _1\"></span>emedlem ansa<span class=\"_ _1\"></span>ttr<span class=\"_ _1\"></span>epr<span class=\"_ _1\"></span>esen<span class=\"_ _1\"></span>tan<span class=\"_ _1\"></span>t<span class=\"_ _1ba\"> </span>1 480</span><span style=\"display:inherit;clear:left;\">Stig S<span class=\"_ _1\"></span>tandal T<span class=\"_ _0\"></span>aule, Styr<span class=\"_ _1\"></span>emedlem ansa<span class=\"_ _1\"></span>ttr<span class=\"_ _1\"></span>epr<span class=\"_ _1\"></span>esen<span class=\"_ _1\"></span>tan<span class=\"_ _1\"></span>t<span class=\"_ _2ae\"> </span>8 883</span><span style=\"display:inherit;clear:left;\">Karen Mar<span class=\"_ _1\"></span>gr<span class=\"_ _1\"></span>e<span class=\"_ _1\"></span>te Riisnes, V<span class=\"_ _2\"></span>aramedlem f<span class=\"_ _1\"></span>or ansa<span class=\"_ _2\"></span>ttrepr<span class=\"_ _1\"></span>esen<span class=\"_ _1\"></span>tan<span class=\"_ _1\"></span>t i styr<span class=\"_ _1\"></span>e<span class=\"_ _1\"></span>t<span class=\"_ _152\"> </span><span class=\"ls136 ws1e3\">935</span></span><span style=\"display:inherit;clear:left;\">Hallv<span class=\"_ _1\"></span>ard Bj\u00f8r<span class=\"_ _1\"></span>gum, Medlem g<span class=\"_ _1\"></span>ener<span class=\"_ _1\"></span>alf<span class=\"_ _1\"></span>orsamlingen<span class=\"_ _306\"> </span>4 400</span><span style=\"display:inherit;clear:left;\">Christina Schieldr<span class=\"_ _1\"></span>op<span class=\"_ _1\"></span>, Medlem gener<span class=\"_ _1\"></span>alf<span class=\"_ _1\"></span>orsamling<span class=\"_ _1\"></span>en<span class=\"_ _2b1\"> </span>2 061</span><span style=\"display:inherit;clear:left;\">Arvid Eriksen, Medlem gener<span class=\"_ _1\"></span>alf<span class=\"_ _1\"></span>orsamling<span class=\"_ _1\"></span>en<span class=\"_ _1a9\"> </span><span class=\"ls61 wsb5\">1<span class=\"_ _8\"></span> 78<span class=\"_ _8\"></span>2</span></span><span style=\"display:inherit;clear:left;\">Jost<span class=\"_ _1\"></span>ein Lid, Medlem gener<span class=\"_ _1\"></span>alf<span class=\"_ _1\"></span>orsamling<span class=\"_ _1\"></span>en<span class=\"_ _307\"> </span>2 011</span><span style=\"display:inherit;clear:left;\">Ma<span class=\"_ _1\"></span>thias Hunsk\u00e5r F<span class=\"_ _2\"></span>urevik, Medlem gener<span class=\"_ _1\"></span>alf<span class=\"_ _1\"></span>orsamling<span class=\"_ _1\"></span>en<span class=\"_ _289\"> </span><span class=\"ls6 ws6\">3<span class=\"_ _8\"></span> 4<span class=\"_ _8\"></span>07</span></span><span style=\"display:inherit;clear:left;\">Bjarte  F<span class=\"_ _2\"></span>alkanger<span class=\"_ _0\"></span>, Medlem gener<span class=\"_ _1\"></span>alf<span class=\"_ _1\"></span>orsamlingen<span class=\"_ _238\"> </span><span class=\"ls140 ws1ee\">2<span class=\"_ _38\"></span> 74<span class=\"_ _a\"></span>9</span></span><span style=\"display:inherit;clear:left;\">Vibeke S<span class=\"_ _1\"></span>torvik, Medlem gener<span class=\"_ _1\"></span>alf<span class=\"_ _1\"></span>orsamlingen<span class=\"_ _308\"> </span><span class=\"ls12c ws1d6\">2 836</span></span><span style=\"display:inherit;clear:left;\">Ca<span class=\"_ _1\"></span>thia Baar<span class=\"_ _1\"></span>\u00f8y<span class=\"_ _0\"></span>, Medlem gener<span class=\"_ _1\"></span>alf<span class=\"_ _1\"></span>orsamlingen<span class=\"_ _2c1\"> </span><span class=\"ls125 ws1cf\">1 626</span></span><span style=\"display:inherit;clear:left;\">Inge  V<span class=\"_ _2\"></span>ard\u00f8<span class=\"_ _1\"></span>y<span class=\"_ _0\"></span>, Medlem generalf<span class=\"_ _1\"></span>orsamling<span class=\"_ _1\"></span>en<span class=\"_ _309\"> </span>5 17<span class=\"_ _0\"></span>4</span><span style=\"display:inherit;clear:left;\">Solfrid Hagen, Medlem g<span class=\"_ _1\"></span>ener<span class=\"_ _1\"></span>alfor<span class=\"_ _1\"></span>samlingen<span class=\"_ _2c1\"> </span><span class=\"ls140 ws1ee\">4<span class=\"_ _a\"></span> 74<span class=\"_ _8\"></span>7</span></span><span style=\"display:inherit;clear:left;\">T<span class=\"_ _2\"></span>rond Dr<span class=\"_ _1\"></span>e<span class=\"_ _1\"></span>y<span class=\"_ _1\"></span>er<span class=\"_ _0\"></span>, Medlem generalf<span class=\"_ _1\"></span>orsamling<span class=\"_ _1\"></span>en<span class=\"_ _30a\"> </span><span class=\"ls135 ws1e2\">892</span></span><span style=\"display:inherit;clear:left;\">T<span class=\"_ _2\"></span>rond Mohn, Medlem g<span class=\"_ _1\"></span>ener<span class=\"_ _1\"></span>alfor<span class=\"_ _1\"></span>samlingen<span class=\"_ _30b\"> </span><span class=\"ls82 ws14b\">46 450</span></span><span style=\"display:inherit;clear:left;\">Eivind Lunde, Medlem gener<span class=\"_ _1\"></span>alf<span class=\"_ _1\"></span>orsamling<span class=\"_ _1\"></span>en<span class=\"_ _30c\"> </span><span class=\"ls133 ws1e0\">10 540</span></span><span style=\"display:inherit;clear:left;\">\u00c5smund Sk\u00e5r<span class=\"_ _0\"></span>, Medlem generalf<span class=\"_ _1\"></span>orsamling<span class=\"_ _1\"></span>en<span class=\"_ _256\"> </span>2 000</span><span style=\"display:inherit;clear:left;\">Lars Martin Lunde, Medlem gener<span class=\"_ _1\"></span>alf<span class=\"_ _1\"></span>orsamling<span class=\"_ _1\"></span>en<span class=\"_ _2f6\"> </span>3 000</span><span style=\"display:inherit;clear:left;\">Anne Maria Langeland, Medlem g<span class=\"_ _1\"></span>ener<span class=\"_ _1\"></span>alfor<span class=\"_ _1\"></span>samlingen<span class=\"_ _2a8\"> </span><span class=\"ls133 ws1e0\">3 554</span></span><span style=\"display:inherit;clear:left;\">Monica Salthella, Medlem generalf<span class=\"_ _2\"></span>orsamlingen<span class=\"_ _30d\"> </span><span class=\"ls125 ws1cf\">200</span></span><span style=\"display:inherit;clear:left;\">\u00d8yvind Langedal, Medlem g<span class=\"_ _1\"></span>ener<span class=\"_ _1\"></span>alfor<span class=\"_ _1\"></span>samlingen<span class=\"_ _24a\"> </span><span class=\"ls6 ws6\">1<span class=\"_ _8\"></span> 97<span class=\"_ _8\"></span>0</span></span><span style=\"display:inherit;clear:left;\">Sigve Ing<span class=\"_ _1\"></span>e H\u00e5land, V<span class=\"_ _2\"></span>aramedlem g<span class=\"_ _1\"></span>eneralf<span class=\"_ _1\"></span>or<span class=\"_ _1\"></span>samlingen<span class=\"_ _297\"> </span><span class=\"ls125 ws1cf\">200</span></span><span style=\"display:inherit;clear:left;\">Morten  Me<span class=\"_ _1\"></span>y<span class=\"_ _1\"></span>er<span class=\"_ _0\"></span>, V<span class=\"_ _1\"></span>ar<span class=\"_ _1\"></span>amedlem gener<span class=\"_ _1\"></span>alf<span class=\"_ _1\"></span>orsamling<span class=\"_ _1\"></span>en<span class=\"_ _2fc\"> </span><span class=\"ls82 ws14b\">800</span></span><span style=\"display:inherit;clear:left;\">F<span class=\"_ _1\"></span>r<span class=\"_ _1\"></span>ode H\u00f8<span class=\"_ _1\"></span>yland, V<span class=\"_ _2\"></span>aramedlem g<span class=\"_ _1\"></span>ener<span class=\"_ _1\"></span>alf<span class=\"_ _1\"></span>orsamlingen<span class=\"_ _1aa\"> </span>6 848</span><span style=\"display:inherit;clear:left;\">Bjarte Mar<span class=\"_ _1\"></span>\u00f8<span class=\"_ _1\"></span>y<span class=\"_ _2\"></span>, V<span class=\"_ _2\"></span>aramedlem gener<span class=\"_ _1\"></span>alf<span class=\"_ _1\"></span>orsamling<span class=\"_ _1\"></span>en<span class=\"_ _234\"> </span><span class=\"ls13e ws1ec\">247</span></span><span style=\"display:inherit;clear:left;\">Bent<span class=\"_ _1\"></span>e Moor<span class=\"_ _1\"></span>e, V<span class=\"_ _2\"></span>aramedlem gener<span class=\"_ _1\"></span>alf<span class=\"_ _1\"></span>orsamling<span class=\"_ _1\"></span>en<span class=\"_ _253\"> </span><span class=\"ls13b ws1e8\">968</span></span><span style=\"display:inherit;clear:left;\">Kjell Gunnar Lille\u00f8ren, V<span class=\"_ _2\"></span>ar<span class=\"_ _1\"></span>amedlem gener<span class=\"_ _1\"></span>alf<span class=\"_ _1\"></span>orsamling<span class=\"_ _1\"></span>en<span class=\"_ _165\"> </span><span class=\"ls140 ws1ee\">8<span class=\"_ _a\"></span> 2<span class=\"_ _a\"></span>74</span></span><span style=\"display:inherit;clear:left;\">Arne F<span class=\"_ _2\"></span>alk, V<span class=\"_ _1\"></span>ar<span class=\"_ _1\"></span>amedlem gener<span class=\"_ _1\"></span>alf<span class=\"_ _1\"></span>orsamling<span class=\"_ _1\"></span>en<span class=\"_ _30c\"> </span><span class=\"ls82 ws14b\">7<span class=\"_ _8\"></span> 455</span></span><span style=\"display:inherit;clear:left;\">Siri Schwings Birkeland, V<span class=\"_ _2\"></span>arame<span class=\"_ _1\"></span>dlem gener<span class=\"_ _1\"></span>alf<span class=\"_ _1\"></span>orsamling<span class=\"_ _1\"></span>en<span class=\"_ _156\"> </span><span class=\"ls13f ws1ed\">483</span></span><span style=\"display:inherit;clear:left;\">Magne Roar Sangolt, V<span class=\"_ _2\"></span>aramedlem gener<span class=\"_ _1\"></span>alf<span class=\"_ _1\"></span>or<span class=\"_ _1\"></span>samlingen<span class=\"_ _278\"> </span>5 000</span><span style=\"display:inherit;clear:left;\">Per Ber<span class=\"_ _1\"></span>g<span class=\"_ _1\"></span>e, V<span class=\"_ _2\"></span>aramedlem gener<span class=\"_ _1\"></span>alf<span class=\"_ _1\"></span>orsamling<span class=\"_ _1\"></span>en<span class=\"_ _30e\"> </span>1 48<span class=\"_ _1\"></span>7</span><span style=\"display:inherit;clear:left;\">Bj\u00f8rn Th\u00f8mt, V<span class=\"_ _2\"></span>aramedlem g<span class=\"_ _1\"></span>ener<span class=\"_ _1\"></span>alfor<span class=\"_ _1\"></span>samlingen<span class=\"_ _234\"> </span><span class=\"ls82 ws14b\">800</span></span><span style=\"display:inherit;clear:left;\">704 7<span class=\"_ _1\"></span>94</span><span style=\"display:inherit;clear:left;\">Op<span class=\"_ _8\"></span>plysn<span class=\"_ _8\"></span>inge<span class=\"_ _8\"></span>ne g<span class=\"_ _8\"></span>is i hen<span class=\"_ _8\"></span>hol<span class=\"_ _8\"></span>d til I<span class=\"_ _8\"></span>AS 24 \u2013 \u00abOp<span class=\"_ _8\"></span>plysn<span class=\"_ _8\"></span>inge<span class=\"_ _8\"></span>r om n\u00e6r<span class=\"_ _8\"></span>st\u00e5e<span class=\"_ _8\"></span>nde p<span class=\"_ _8\"></span>ar<span class=\"_ _8\"></span>ter<span class=\"_ _8\"></span>\u00bb.</span><span style=\"display:inherit;clear:left;\">Sparebank<span class=\"_ _1\"></span>en V<span class=\"_ _1\"></span>est<span class=\"_ _1\"></span> definerer<span class=\"_ _1\"></span> datter<span class=\"_ _1\"></span>selskapene, tilkn<span class=\"_ _1\"></span>yttede selskaper<span class=\"_ _2\"></span>, medlemmer a<span class=\"_ _1\"></span>v styre<span class=\"_ _1\"></span>t samt k<span class=\"_ _1\"></span>onsernledelsen som<span class=\"_ _1\"></span> n\u00e6rst\u00e5ende </span><span style=\"display:inherit;clear:left;\">parter i f<span class=\"_ _1\"></span>orhold til denne<span class=\"_ _1\"></span> regnskapsstandarden. Godtg<span class=\"_ _8\"></span>j\u00f8relse<span class=\"_ _1\"></span> til General<span class=\"_ _1\"></span>forsamling<span class=\"_ _1\"></span> angis ihht r<span class=\"_ _1\"></span>egnskapslov<span class=\"_ _1\"></span>ens kr<span class=\"_ _1\"></span>a<span class=\"_ _1\"></span>v<span class=\"_ _1\"></span>.</span><span style=\"display:inherit;clear:left;\">Eierinter<span class=\"_ _1\"></span>esser i k<span class=\"_ _1\"></span>onsernselskaper og<span class=\"_ _1\"></span> tilknyttede selskaper f<span class=\"_ _1\"></span>remk<span class=\"_ _1\"></span>ommer a<span class=\"_ _1\"></span>v no<span class=\"_ _1\"></span>te 2<span class=\"_ _1\"></span>0.</span><span style=\"display:inherit;clear:left;\">T<span class=\"_ _2\"></span>ransaksjoner med n\u00e6r<span class=\"_ _1\"></span>st\u00e5ende parter f<span class=\"_ _1\"></span>oretas<span class=\"_ _1\"></span> i samsv<span class=\"_ _1\"></span>ar med v<span class=\"_ _1\"></span>anlige f<span class=\"_ _1\"></span>orre<span class=\"_ _1\"></span>tningsmessige vilk<span class=\"_ _1\"></span>\u00e5r og prinsipper<span class=\"_ _0\"></span>.</span><span style=\"display:inherit;clear:left;\">Konsernint<span class=\"_ _1\"></span>erne tr<span class=\"_ _1\"></span>ansaksjoner 2<span class=\"_ _1\"></span>023 </span><span style=\"display:inherit;clear:left;\">Datt<span class=\"_ _1\"></span>er<span class=\"_ _1\"></span>-</span><span style=\"display:inherit;clear:left;\">Tilknyttede</span><span style=\"display:inherit;clear:left;\">N\u00f8kkel<span class=\"_ _1\"></span>-</span><span style=\"display:inherit;clear:left;\">(tall i t<span class=\"_ _8\"></span>usen k<span class=\"_ _8\"></span>rone<span class=\"_ _8\"></span>r)</span><span style=\"display:inherit;clear:left;\">selskaper</span><span style=\"display:inherit;clear:left;\">selskaper</span><span style=\"display:inherit;clear:left;\">personell</span><span style=\"display:inherit;clear:left;\">R<span class=\"_ _8\"></span>e<span class=\"_ _8\"></span>su<span class=\"_ _8\"></span>l<span class=\"_ _8\"></span>tat</span><span style=\"display:inherit;clear:left;\">Renteinn<span class=\"_ _1\"></span>tekter kn<span class=\"_ _1\"></span>yttet til utl\u00e5n<span class=\"_ _b0\"> </span><span class=\"ls7 ws7\">980 555<span class=\"_ _91\"> </span><span class=\"ls21 ws175\">675</span></span></span><span style=\"display:inherit;clear:left;\">Renter<span class=\"_ _1\"></span> av<span class=\"_ _1\"></span> ren<span class=\"_ _1\"></span>teb\u00e6rende<span class=\"_ _1\"></span> ver<span class=\"_ _1\"></span>dipapirer<span class=\"_ _1e3\"> </span><span class=\"ls0 ws0\">18 629<span class=\"_ _13\"> </span>0</span></span><span style=\"display:inherit;clear:left;\">Rentekostnader<span class=\"_ _1\"></span> og lignende kostnader p\u00e5 innskudd<span class=\"_ _185\"> </span><span class=\"ls124 ws1ce\">-1<span class=\"_ _8\"></span>8<span class=\"_ _a\"></span>1<span class=\"_ _a\"></span> 2<span class=\"_ _8\"></span>74<span class=\"_ _dd\"> </span><span class=\"ls82 ws14b\">-31 2<span class=\"_ _8\"></span>34</span></span></span><span style=\"display:inherit;clear:left;\">Rentek<span class=\"_ _1\"></span>ostnader p\u00e5<span class=\"_ _1\"></span> ren<span class=\"_ _1\"></span>teb\u00e6rende<span class=\"_ _1\"></span> ver<span class=\"_ _1\"></span>dipapirer<span class=\"_ _30f\"> </span><span class=\"ls129 ws1d3\">-1<span class=\"_ _8\"></span>8<span class=\"_ _a\"></span> 0<span class=\"_ _a\"></span>2<span class=\"_ _8\"></span>6</span></span><span style=\"display:inherit;clear:left;\">Renter<span class=\"_ _1\"></span> p\u00e5 finansielle<span class=\"_ _1\"></span> deriva<span class=\"_ _1\"></span>ter<span class=\"_ _af\"> </span><span class=\"ls0 ws0\">1 10<span class=\"_ _8\"></span>5 280<span class=\"_ _13\"> </span>0</span></span><span style=\"display:inherit;clear:left;\">Mottatte pro<span class=\"_ _1\"></span>visjonsinntekter knyttet til<span class=\"_ _1\"></span> distribusjon<span class=\"_ _fa\"> </span></span><span style=\"display:inherit;clear:left;\">12<span class=\"_ _1\"></span>0 250</span><span style=\"display:inherit;clear:left;\">Mottatt utb<span class=\"_ _1\"></span>ytte/konsernbidr<span class=\"_ _1\"></span>ag<span class=\"_ _17e\"> </span><span class=\"ls0 ws0\">145 000<span class=\"_ _c9\"> </span>138 530</span></span><span style=\"display:inherit;clear:left;\">L\u00f8nn, pensjon<span class=\"_ _1\"></span> og honorar<span class=\"_ _1\"></span>er til<span class=\"_ _1\"></span> ledende ansatt<span class=\"_ _1\"></span>e og tilli<span class=\"_ _1\"></span>tsvalgte<span class=\"_ _310\"> </span><span class=\"ls0 ws0\">3<span class=\"_ _1\"></span>7 984</span></span><span style=\"display:inherit;clear:left;\">Husleiekostna<span class=\"_ _1\"></span>der<span class=\"_ _311\"> </span><span class=\"ls136 ws1e3\">5 391</span></span><span style=\"display:inherit;clear:left;\">F<span class=\"_ _1\"></span>orvaltningshonor<span class=\"_ _1\"></span>ar<span class=\"_ _1\"></span>er<span class=\"_ _1a2\"> </span><span class=\"ls59 wsac\">4<span class=\"_ _8\"></span>41<span class=\"_ _8\"></span> 7<span class=\"_ _8\"></span>9<span class=\"_ _8\"></span>5</span></span><span style=\"display:inherit;clear:left;\">Mottatt honor<span class=\"_ _1\"></span>ar f<span class=\"_ _1\"></span>or salg a<span class=\"_ _1\"></span>v tjenester<span class=\"_ _312\"> </span><span class=\"ls6 ws6\">4<span class=\"_ _8\"></span> 972<span class=\"_ _5d\"> </span><span class=\"ls9 ws9\">2 387</span></span></span><span style=\"display:inherit;clear:left;\">Av<span class=\"_ _1\"></span>gitt honorar<span class=\"_ _1\"></span> for<span class=\"_ _1\"></span> kj\u00f8p a<span class=\"_ _1\"></span>v tjenest<span class=\"_ _1\"></span>er<span class=\"_ _1bb\"> </span><span class=\"ls125 ws1cf\">-<span class=\"_ _8\"></span>4<span class=\"_ _8\"></span> 542</span></span><span style=\"display:inherit;clear:left;\">Balan<span class=\"_ _8\"></span>se</span><span style=\"display:inherit;clear:left;\">Aksjer i<span class=\"_ _1\"></span> dattersel<span class=\"_ _1\"></span>skaper<span class=\"_ _2\"></span>, tilknyttet v<span class=\"_ _1\"></span>irksomhet (k<span class=\"_ _1\"></span>apitalutvidelser)<span class=\"_ _23\"> </span><span class=\"ls0 ws0\">1 850 000<span class=\"_ _19a\"> </span><span class=\"ls21 ws175\">13<span class=\"_ _8\"></span>6 2<span class=\"_ _8\"></span>07</span></span></span><span style=\"display:inherit;clear:left;\">F<span class=\"_ _1\"></span>ordring<span class=\"_ _1\"></span> p\u00e5 motta<span class=\"_ _1\"></span>tt utbytte/k<span class=\"_ _1\"></span>onsernbidrag<span class=\"_ _273\"> </span><span class=\"lsd wsd\">145 000</span></span><span style=\"display:inherit;clear:left;\">Netto o<span class=\"_ _1\"></span>verf\u00f8rte l\u00e5n<span class=\"_ _1\"></span> til boligkredittfore<span class=\"_ _1\"></span>tak innev<span class=\"_ _1\"></span>\u00e6rende<span class=\"_ _1\"></span> \u00e5r<span class=\"_ _313\"> </span><span class=\"ls33 ws84\">14 308 2<span class=\"_ _1\"></span>81</span></span><span style=\"display:inherit;clear:left;\">Overf\u00f8rte l\u00e5n til<span class=\"_ _1\"></span> boligkredittforetak<span class=\"_ _1\"></span> akkumulert<span class=\"_ _191\"> </span></span><span style=\"display:inherit;clear:left;\">14<span class=\"_ _1\"></span>1 544 972</span><span style=\"display:inherit;clear:left;\">Utl\u00e5n til<span class=\"_ _1\"></span> n\u00e6rst\u00e5ende parter pr<span class=\"_ _0\"></span>. 31/12<span class=\"_ _314\"> </span><span class=\"ls0 ws0\">20 647 615<span class=\"_ _10b\"> </span>4<span class=\"_ _8\"></span>58 046</span></span><span style=\"display:inherit;clear:left;\">Innskudd fra<span class=\"_ _1\"></span> n\u00e6rst\u00e5ende parter<span class=\"_ _312\"> </span><span class=\"ls0 ws0\">4 586 694<span class=\"_ _111\"> </span>1 327 543</span></span><span style=\"display:inherit;clear:left;\">Finansielle deriv<span class=\"_ _1\"></span>at<span class=\"_ _1\"></span>er eiendeler<span class=\"_ _af\"> </span><span class=\"ls0 ws0\">1 002 7<span class=\"_ _1\"></span>05</span></span><span style=\"display:inherit;clear:left;\">Finansielle deriv<span class=\"_ _1\"></span>at<span class=\"_ _1\"></span>er g<span class=\"_ _8\"></span>jeld<span class=\"_ _1ae\"> </span></span><span style=\"display:inherit;clear:left;\">3 00<span class=\"_ _1\"></span>5 554</span><span style=\"display:inherit;clear:left;\">Konsernint<span class=\"_ _1\"></span>erne tr<span class=\"_ _1\"></span>ansaksjoner 2<span class=\"_ _1\"></span>022 </span><span style=\"display:inherit;clear:left;\">Datt<span class=\"_ _1\"></span>er<span class=\"_ _1\"></span>-</span><span style=\"display:inherit;clear:left;\">Tilknyttede</span><span style=\"display:inherit;clear:left;\">N\u00f8kkel<span class=\"_ _1\"></span>-</span><span style=\"display:inherit;clear:left;\">(tall i t<span class=\"_ _8\"></span>usen k<span class=\"_ _8\"></span>rone<span class=\"_ _8\"></span>r)</span><span style=\"display:inherit;clear:left;\">selskaper</span><span style=\"display:inherit;clear:left;\">selskaper</span><span style=\"display:inherit;clear:left;\">personell</span><span style=\"display:inherit;clear:left;\">R<span class=\"_ _8\"></span>e<span class=\"_ _8\"></span>su<span class=\"_ _8\"></span>l<span class=\"_ _8\"></span>tat</span><span style=\"display:inherit;clear:left;\">Renteinn<span class=\"_ _1\"></span>tekter kn<span class=\"_ _1\"></span>yttet til utl\u00e5n<span class=\"_ _17e\"> </span><span class=\"ls108 ws16a\">43<span class=\"_ _8\"></span>9 7<span class=\"_ _8\"></span>72<span class=\"_ _6f\"> </span><span class=\"ls0 ws0\">8 540</span></span></span><span style=\"display:inherit;clear:left;\">Renter<span class=\"_ _1\"></span> av<span class=\"_ _1\"></span> ren<span class=\"_ _1\"></span>teb\u00e6rende<span class=\"_ _1\"></span> ver<span class=\"_ _1\"></span>dipapirer<span class=\"_ _2bd\"> </span><span class=\"ls0 ws0\">1<span class=\"_ _8\"></span>6 355<span class=\"_ _13\"> </span>0</span></span><span style=\"display:inherit;clear:left;\">Rentekostnader<span class=\"_ _1\"></span> og lignende kostnader p\u00e5 innskudd<span class=\"_ _315\"> </span><span class=\"ls7 ws7\">-31 69<span class=\"_ _1\"></span>2<span class=\"_ _90\"> </span><span class=\"ls129 ws1d3\">-1<span class=\"_ _a\"></span>4<span class=\"_ _8\"></span> 9<span class=\"_ _a\"></span>5<span class=\"_ _8\"></span>7</span></span></span><span style=\"display:inherit;clear:left;\">Renter<span class=\"_ _1\"></span> p\u00e5 finansielle<span class=\"_ _1\"></span> deriva<span class=\"_ _1\"></span>ter<span class=\"_ _166\"> </span><span class=\"ls0 ws0\">60<span class=\"_ _1\"></span>7 4<span class=\"_ _1\"></span>63<span class=\"_ _13\"> </span>0</span></span><span style=\"display:inherit;clear:left;\">Mottatte pro<span class=\"_ _1\"></span>visjonsinntekter knyttet til<span class=\"_ _1\"></span> distribusjon<span class=\"_ _198\"> </span></span><span style=\"display:inherit;clear:left;\">179 7<span class=\"_ _2\"></span>61</span><span style=\"display:inherit;clear:left;\">Mottatt utb<span class=\"_ _1\"></span>ytte/konsernbidr<span class=\"_ _1\"></span>ag<span class=\"_ _154\"> </span><span class=\"ls0 ws0\">402 000<span class=\"_ _dc\"> </span>14<span class=\"_ _1\"></span>7 89<span class=\"_ _1\"></span>4</span></span><span style=\"display:inherit;clear:left;\">L\u00f8nn, pensjon<span class=\"_ _1\"></span> og honorar<span class=\"_ _1\"></span>er til<span class=\"_ _1\"></span> ledende ansatt<span class=\"_ _1\"></span>e og tilli<span class=\"_ _1\"></span>tsvalgte<span class=\"_ _27e\"> </span><span class=\"ls0 ws0\">40 650</span></span><span style=\"display:inherit;clear:left;\">Husleiekostna<span class=\"_ _1\"></span>der<span class=\"_ _301\"> </span><span class=\"ls0 ws0\">4 130</span></span><span style=\"display:inherit;clear:left;\">F<span class=\"_ _1\"></span>orvaltningshonor<span class=\"_ _1\"></span>ar<span class=\"_ _1\"></span>er<span class=\"_ _1a2\"> </span></span><span style=\"display:inherit;clear:left;\">4<span class=\"_ _2\"></span>73 2<span class=\"_ _1\"></span>65</span><span style=\"display:inherit;clear:left;\">Mottatt honor<span class=\"_ _1\"></span>ar f<span class=\"_ _1\"></span>or salg a<span class=\"_ _1\"></span>v tjenester<span class=\"_ _2b0\"> </span><span class=\"ls12c ws1d6\">2<span class=\"_ _8\"></span> 230</span></span><span style=\"display:inherit;clear:left;\">Av<span class=\"_ _1\"></span>gitt honorar<span class=\"_ _1\"></span> for<span class=\"_ _1\"></span> kj\u00f8p a<span class=\"_ _1\"></span>v tjenest<span class=\"_ _1\"></span>er<span class=\"_ _160\"> </span><span class=\"ls124 ws1ce\">-1<span class=\"_ _8\"></span> 74<span class=\"_ _8\"></span>2</span></span><span style=\"display:inherit;clear:left;\">Balan<span class=\"_ _8\"></span>se</span><span style=\"display:inherit;clear:left;\">Aksjer i<span class=\"_ _1\"></span> dattersel<span class=\"_ _1\"></span>skaper<span class=\"_ _2\"></span>, tilknyttet v<span class=\"_ _1\"></span>irksomhet (k<span class=\"_ _1\"></span>apitalutvidelser)<span class=\"_ _77\"> </span></span><span style=\"display:inherit;clear:left;\">284<span class=\"_ _1\"></span> 053</span><span style=\"display:inherit;clear:left;\">F<span class=\"_ _1\"></span>ordring<span class=\"_ _1\"></span> p\u00e5 motta<span class=\"_ _1\"></span>tt utbytte/k<span class=\"_ _1\"></span>onsernbidrag<span class=\"_ _294\"> </span><span class=\"lsd wsd\">402 000</span></span><span style=\"display:inherit;clear:left;\">Netto o<span class=\"_ _1\"></span>verf\u00f8rte l\u00e5n<span class=\"_ _1\"></span> til boligkredittfore<span class=\"_ _1\"></span>tak innev<span class=\"_ _1\"></span>\u00e6rende<span class=\"_ _1\"></span> \u00e5r<span class=\"_ _17d\"> </span><span class=\"ls0 ws0\">8 095 655</span></span><span style=\"display:inherit;clear:left;\">Overf\u00f8rte l\u00e5n til<span class=\"_ _1\"></span> boligkredittforetak<span class=\"_ _1\"></span> akkumulert<span class=\"_ _77\"> </span><span class=\"ls0 ws0\">127 23<span class=\"_ _8\"></span>6 691</span></span><span style=\"display:inherit;clear:left;\">Utl\u00e5n til<span class=\"_ _1\"></span> n\u00e6rst\u00e5ende parter pr<span class=\"_ _0\"></span>. 31/12<span class=\"_ _15e\"> </span><span class=\"ls0 ws0\">1<span class=\"_ _8\"></span>8 554 5<span class=\"_ _8\"></span>33<span class=\"_ _cc\"> </span><span class=\"ls10 ws10\">317 36<span class=\"_ _8\"></span>6</span></span></span><span style=\"display:inherit;clear:left;\">Innskudd fra<span class=\"_ _1\"></span> n\u00e6rst\u00e5ende parter<span class=\"_ _303\"> </span><span class=\"ls0 ws0\">1 156 8<span class=\"_ _8\"></span>92<span class=\"_ _d8\"> </span><span class=\"ls84 wsdf\">3<span class=\"_ _8\"></span>67 24<span class=\"_ _a\"></span>3</span></span></span><span style=\"display:inherit;clear:left;\">Finansielle deriv<span class=\"_ _1\"></span>at<span class=\"_ _1\"></span>er eiendeler<span class=\"_ _2e8\"> </span></span><span style=\"display:inherit;clear:left;\">3 614 6<span class=\"_ _1\"></span>7<span class=\"_ _0\"></span>4</span><span style=\"display:inherit;clear:left;\">Finansielle deriv<span class=\"_ _1\"></span>at<span class=\"_ _1\"></span>er g<span class=\"_ _8\"></span>jeld<span class=\"_ _167\"> </span><span class=\"ls0 ws0\">714 721</span></span><span style=\"display:inherit;clear:left;\">Eie av ans<span class=\"_ _8\"></span>varli<span class=\"_ _8\"></span>g l\u00e5n o<span class=\"_ _8\"></span>g fond<span class=\"_ _8\"></span>sob<span class=\"_ _8\"></span>lig<span class=\"_ _8\"></span>asjo<span class=\"_ _8\"></span>n uts<span class=\"_ _8\"></span>tedt av d\u00f8t<span class=\"_ _8\"></span>re og til<span class=\"_ _8\"></span>knyt<span class=\"_ _8\"></span>ted<span class=\"_ _8\"></span>e sel<span class=\"_ _8\"></span>skap<span class=\"_ _ca\"> </span>1 175 000</span><span style=\"display:inherit;clear:left;\">Datter<span class=\"_ _1\"></span>selskaper er i<span class=\"_ _1\"></span> all ho<span class=\"_ _1\"></span>vedsak Eiendomsmegler V<span class=\"_ _1\"></span>est<span class=\"_ _1\"></span> AS og Spar<span class=\"_ _1\"></span>ebanke<span class=\"_ _1\"></span>n V<span class=\"_ _1\"></span>est Boligkreditt AS.</span><span style=\"display:inherit;clear:left;\">Ei<span class=\"_ _1\"></span>endomsmegler V<span class=\"_ _1\"></span>es<span class=\"_ _1\"></span>t<span class=\"_ _1\"></span> AS<span class=\"_ _1\"></span>:<span class=\"ls0 ws0\"> </span></span><span style=\"display:inherit;clear:left;\">Inter<span class=\"_ _8\"></span>ne tra<span class=\"_ _8\"></span>nsak<span class=\"_ _8\"></span>sjon<span class=\"_ _8\"></span>er me<span class=\"_ _8\"></span>d me<span class=\"_ _8\"></span>gl<span class=\"_ _8\"></span>erse<span class=\"_ _8\"></span>lska<span class=\"_ _8\"></span>pet e<span class=\"_ _8\"></span>r beg<span class=\"_ _8\"></span>rens<span class=\"_ _8\"></span>et og b<span class=\"_ _8\"></span>est<span class=\"_ _8\"></span>\u00e5r i de<span class=\"_ _8\"></span>t vese<span class=\"_ _8\"></span>ntli<span class=\"_ _8\"></span>ge av renter av innsk<span class=\"_ _8\"></span>ud<span class=\"_ _8\"></span>d og utl<span class=\"_ _8\"></span>\u00e5n me<span class=\"_ _8\"></span>d til<span class=\"_ _8\"></span>h\u00f8ren<span class=\"_ _8\"></span>de </span><span style=\"display:inherit;clear:left;\">balanseposter<span class=\"_ _2\"></span>.</span><span style=\"display:inherit;clear:left;\">Sp<span class=\"_ _8\"></span>areb<span class=\"_ _8\"></span>anken Vest Bo<span class=\"_ _8\"></span>li<span class=\"_ _8\"></span>gkre<span class=\"_ _8\"></span>dit<span class=\"_ _1\"></span>t<span class=\"_ _1\"></span>:<span class=\"ls0 ws0\"> </span></span><span style=\"display:inherit;clear:left;\">Spa<span class=\"_ _8\"></span>reban<span class=\"_ _8\"></span>ken Vest Bo<span class=\"_ _8\"></span>lig<span class=\"_ _8\"></span>kre<span class=\"_ _8\"></span>dit<span class=\"_ _8\"></span>t AS er et h<span class=\"_ _8\"></span>elei<span class=\"_ _8\"></span>d sel<span class=\"_ _8\"></span>skap s<span class=\"_ _8\"></span>om for<span class=\"_ _8\"></span>val<span class=\"_ _8\"></span>ter bo<span class=\"_ _8\"></span>lig<span class=\"_ _8\"></span>l\u00e5<span class=\"_ _8\"></span>n som e<span class=\"_ _8\"></span>r fina<span class=\"_ _8\"></span>nsi<span class=\"_ _8\"></span>er<span class=\"_ _8\"></span>t ved uts<span class=\"_ _8\"></span>ted<span class=\"_ _8\"></span>else av ob<span class=\"_ _8\"></span>lig<span class=\"_ _8\"></span>asj<span class=\"_ _8\"></span>oner m<span class=\"_ _8\"></span>ed </span><span style=\"display:inherit;clear:left;\">fortrinnsre<span class=\"_ _1\"></span>tt. Sparebank<span class=\"_ _1\"></span>en V<span class=\"_ _1\"></span>est<span class=\"_ _1\"></span> selger utl\u00e5n<span class=\"_ _1\"></span> til selskapet<span class=\"_ _1\"></span> som ig<span class=\"_ _8\"></span>jen finansier<span class=\"_ _1\"></span>er seg gjennom utstedelse a<span class=\"_ _1\"></span>v obligasjoner med<span class=\"_ _1\"></span> </span><span style=\"display:inherit;clear:left;\">fortrinnsre<span class=\"_ _1\"></span>tt. I tillegg har da<span class=\"_ _1\"></span>tterselskapet b\u00e5<span class=\"_ _1\"></span>de innskudd<span class=\"_ _1\"></span> og g<span class=\"_ _8\"></span>jeld samt deriv<span class=\"_ _1\"></span>a<span class=\"_ _1\"></span>tavtaler mot<span class=\"_ _1\"></span> morselskapet som<span class=\"_ _1\"></span> rent<span class=\"_ _1\"></span>eberegnes etter<span class=\"_ _1\"></span> </span><span style=\"display:inherit;clear:left;\">armlengdes prinsipper<span class=\"_ _2\"></span>. Spar<span class=\"_ _1\"></span>ebanken<span class=\"_ _1\"></span> V<span class=\"_ _1\"></span>est Boligkreditt betaler f<span class=\"_ _1\"></span>orvaltningshonor<span class=\"_ _1\"></span>ar f<span class=\"_ _1\"></span>or o<span class=\"_ _1\"></span>verf\u00f8rte l\u00e5n<span class=\"_ _1\"></span> samt betaling f<span class=\"_ _1\"></span>or kj\u00f8p<span class=\"_ _1\"></span> av<span class=\"_ _1\"></span> </span><span style=\"display:inherit;clear:left;\">administr<span class=\"_ _1\"></span>ati<span class=\"_ _1\"></span>ve tjenest<span class=\"_ _1\"></span>er fr<span class=\"_ _1\"></span>a Spar<span class=\"_ _1\"></span>ebanken<span class=\"_ _1\"></span> V<span class=\"_ _1\"></span>est.</span><span style=\"display:inherit;clear:left;\">Overf\u00f8rte l\u00e5n til<span class=\"_ _1\"></span> Sparebank<span class=\"_ _1\"></span>en V<span class=\"_ _2\"></span>e<span class=\"_ _8\"></span>st Boligkreditt AS<span class=\"_ _1\"></span> fr<span class=\"_ _1\"></span>emkommer a<span class=\"_ _1\"></span>v<span class=\"_ _1\"></span> tabellen ov<span class=\"_ _1\"></span>enf<span class=\"_ _1\"></span>or<span class=\"_ _2\"></span>. Avtaleforholdet<span class=\"_ _1\"></span> mellom morbank<span class=\"_ _1\"></span>en og </span><span style=\"display:inherit;clear:left;\">Sparebank<span class=\"_ _1\"></span>en V<span class=\"_ _1\"></span>est<span class=\"_ _1\"></span> Boligkreditt AS tilsier<span class=\"_ _1\"></span> at<span class=\"_ _1\"></span> morbanken<span class=\"_ _1\"></span> ikke<span class=\"_ _1\"></span> har f<span class=\"_ _1\"></span>ortsatt inv<span class=\"_ _1\"></span>olvering kn<span class=\"_ _1\"></span>yttet til<span class=\"_ _1\"></span> ov<span class=\"_ _1\"></span>erf\u00f8rte boligl\u00e5n, da all </span><span style=\"display:inherit;clear:left;\">kredittrisik<span class=\"_ _1\"></span>o kn<span class=\"_ _1\"></span>yttet til l\u00e5nene<span class=\"_ _1\"></span> er ov<span class=\"_ _1\"></span>erf\u00f8rt til boligkredittfor<span class=\"_ _1\"></span>etaket.<span class=\"_ _1\"></span> Dette er<span class=\"_ _1\"></span> l\u00e5n innenf<span class=\"_ _1\"></span>or 7<span class=\"_ _1\"></span>5 %<span class=\"_ _1\"></span> a<span class=\"_ _1\"></span>v sikk<span class=\"_ _1\"></span>erhetsobjektenes ver<span class=\"_ _1\"></span>di. </span><span style=\"display:inherit;clear:left;\">Bo<span class=\"_ _8\"></span>lig<span class=\"_ _8\"></span>kred<span class=\"_ _8\"></span>itt<span class=\"_ _8\"></span>foret<span class=\"_ _8\"></span>aket har e<span class=\"_ _8\"></span>n rul<span class=\"_ _8\"></span>leren<span class=\"_ _8\"></span>de li<span class=\"_ _8\"></span>kv<span class=\"_ _8\"></span>idit<span class=\"_ _8\"></span>etsfa<span class=\"_ _8\"></span>silit<span class=\"_ _8\"></span>et kny<span class=\"_ _8\"></span>ttet t<span class=\"_ _8\"></span>il for<span class=\"_ _8\"></span>fall p<span class=\"_ _8\"></span>\u00e5 obli<span class=\"_ _8\"></span>gas<span class=\"_ _8\"></span>jon<span class=\"_ _8\"></span>er de n<span class=\"_ _8\"></span>este 12 m<span class=\"_ _8\"></span>\u00e5ne<span class=\"_ _8\"></span>der<span class=\"_ _1\"></span>. Sistn<span class=\"_ _8\"></span>evnte er </span><span style=\"display:inherit;clear:left;\">utel<span class=\"_ _8\"></span>ukken<span class=\"_ _8\"></span>de en kon<span class=\"_ _8\"></span>ser<span class=\"_ _8\"></span>ninte<span class=\"_ _8\"></span>rn avt<span class=\"_ _8\"></span>ale m<span class=\"_ _8\"></span>ell<span class=\"_ _8\"></span>om mo<span class=\"_ _8\"></span>rban<span class=\"_ _8\"></span>ken og b<span class=\"_ _8\"></span>oli<span class=\"_ _8\"></span>gk<span class=\"_ _8\"></span>redit<span class=\"_ _8\"></span>tfo<span class=\"_ _8\"></span>retaket<span class=\"_ _8\"></span>. En eventu<span class=\"_ _8\"></span>ell op<span class=\"_ _8\"></span>pfy<span class=\"_ _8\"></span>lle<span class=\"_ _8\"></span>lse av en sl<span class=\"_ _8\"></span>ik fasi<span class=\"_ _8\"></span>litet v<span class=\"_ _8\"></span>il g<span class=\"_ _8\"></span>i </span><span style=\"display:inherit;clear:left;\">tilgang til utst<span class=\"_ _1\"></span>edte obligasjoner<span class=\"_ _1\"></span> og ikk<span class=\"_ _1\"></span>e ov<span class=\"_ _1\"></span>erf\u00f8rte eiendeler (<span class=\"_ _1\"></span>utl\u00e5n<span class=\"_ _1\"></span>)<span class=\"_ _1\"></span>.</span><span style=\"display:inherit;clear:left;\">Til<span class=\"_ _8\"></span>knyt<span class=\"_ _8\"></span>ted<span class=\"_ _8\"></span>e sel<span class=\"_ _8\"></span>skap b<span class=\"_ _8\"></span>es<span class=\"_ _8\"></span>t\u00e5r av Frende Forsik<span class=\"_ _8\"></span>rin<span class=\"_ _8\"></span>g AS, N<span class=\"_ _8\"></span>orn<span class=\"_ _8\"></span>e Secu<span class=\"_ _8\"></span>rit<span class=\"_ _8\"></span>ies A<span class=\"_ _8\"></span>S, Bra<span class=\"_ _8\"></span>ge Fin<span class=\"_ _8\"></span>ans AS<span class=\"_ _8\"></span>, Bal<span class=\"_ _8\"></span>der B<span class=\"_ _8\"></span>eta<span class=\"_ _8\"></span>lin<span class=\"_ _8\"></span>g AS og Foli<span class=\"_ _8\"></span>o AS. </span><span style=\"display:inherit;clear:left;\">Sparebanken V<span class=\"_ _2\"></span>est selger skade- og livsf<span class=\"_ _1\"></span>orsikring g<span class=\"_ _8\"></span>jennom F<span class=\"_ _1\"></span>r<span class=\"_ _1\"></span>ende F<span class=\"_ _1\"></span>orsikring mot<span class=\"_ _1\"></span> provisjon. Tilsv<span class=\"_ _1\"></span>arende selges leasingprodukter </span><span style=\"display:inherit;clear:left;\">g<span class=\"_ _8\"></span>jennom Brage<span class=\"_ _1\"></span> Finans.</span><span style=\"display:inherit;clear:left;\">No<span class=\"_ _1\"></span>te 43 Transaksjone<span class=\"_ _1\"></span>r med n\u00e6<span class=\"_ _1\"></span>rst\u00e5end<span class=\"_ _1\"></span>e parter</span><span style=\"display:inherit;clear:left;\">L\u00f8n<span class=\"_ _8\"></span>n og an<span class=\"_ _8\"></span>dre y<span class=\"_ _8\"></span>tels<span class=\"_ _8\"></span>er ti<span class=\"_ _8\"></span>l led<span class=\"_ _8\"></span>end<span class=\"_ _8\"></span>e ans<span class=\"_ _8\"></span>atte</span><span style=\"display:inherit;clear:left;\">(tall i t<span class=\"_ _8\"></span>usen k<span class=\"_ _8\"></span>rone<span class=\"_ _8\"></span>r)</span><span style=\"display:inherit;clear:left;\">Ledende ansa<span class=\"_ _1\"></span>tte er de<span class=\"_ _1\"></span>finert som medlemmer a<span class=\"_ _1\"></span>v k<span class=\"_ _1\"></span>onsernledelsen. Inf<span class=\"_ _1\"></span>ormasjonen omf<span class=\"_ _1\"></span>a<span class=\"_ _1\"></span>tter l\u00f8nn og<span class=\"_ _1\"></span> samlede ska<span class=\"_ _1\"></span>ttepliktige ytelser<span class=\"_ _2\"></span>, </span><span style=\"display:inherit;clear:left;\">andelen a<span class=\"_ _1\"></span>v de t<span class=\"_ _1\"></span>otale ytelser som<span class=\"_ _1\"></span> vedr<span class=\"_ _1\"></span>\u00f8rer<span class=\"_ _1\"></span> utbetalt bonus sam<span class=\"_ _1\"></span>t \u00e5re<span class=\"_ _1\"></span>ts beregnede opptjen<span class=\"_ _1\"></span>te pens<span class=\"_ _1\"></span>jonsrettigheter<span class=\"_ _0\"></span>. Opptjent pensjon </span><span style=\"display:inherit;clear:left;\">omfa<span class=\"_ _1\"></span>tter \u00e5r<span class=\"_ _1\"></span>ets opp<span class=\"_ _1\"></span>tjente<span class=\"_ _1\"></span> re<span class=\"_ _1\"></span>ttigheter i bank<span class=\"_ _1\"></span>ens f<span class=\"_ _1\"></span>oretaks<span class=\"_ _1\"></span>pensjonsordning, samt<span class=\"_ _1\"></span> opptjent<span class=\"_ _1\"></span> pensjon i<span class=\"_ _1\"></span> topplederord<span class=\"_ _1\"></span>ningen. F<span class=\"_ _2\"></span>or </span><span style=\"display:inherit;clear:left;\">beskrivelse a<span class=\"_ _1\"></span>v<span class=\"_ _1\"></span> pensjonsord<span class=\"_ _1\"></span>ningene<span class=\"_ _1\"></span> se not<span class=\"_ _1\"></span>e 31<span class=\"_ _1\"></span> \u00abPensj<span class=\"_ _1\"></span>oner\u00bb.</span><span style=\"display:inherit;clear:left;\">L\u00f8n<span class=\"_ _8\"></span>n- og <span class=\"_ _b3\"></span> </span><span style=\"display:inherit;clear:left;\">Samlet <span class=\"_ _4\"></span><span class=\"ls0 ws0\"> </span></span><span style=\"display:inherit;clear:left;\">nat<span class=\"_ _1\"></span>ural<span class=\"_ _1\"></span>-<span class=\"ls0 ws0\"> </span></span><span style=\"display:inherit;clear:left;\">Utbeta<span class=\"_ _1\"></span>lt</span><span style=\"display:inherit;clear:left;\">g<span class=\"_ _8\"></span>o<span class=\"_ _8\"></span>d<span class=\"_ _a\"></span>t-<span class=\"_ _8\"></span><span class=\"ls0 ws0\"> </span></span><span style=\"display:inherit;clear:left;\">Pensjons-<span class=\"_ _1\"></span><span class=\"ls0 ws0\"> </span></span><span style=\"display:inherit;clear:left;\">Samlet g<span class=\"_ _1\"></span>odtg<span class=\"_ _8\"></span>j\u00f8relse<span class=\"_ _1\"></span> til ban<span class=\"_ _1\"></span>kens<span class=\"_ _1\"></span> kon<span class=\"_ _1\"></span>sernledelse</span><span style=\"display:inherit;clear:left;\">yte<span class=\"_ _8\"></span>lser</span><span style=\"display:inherit;clear:left;\">bonus</span><span style=\"display:inherit;clear:left;\">g<span class=\"_ _8\"></span>j<span class=\"_ _8\"></span>\u00f8re<span class=\"_ _8\"></span>ls<span class=\"_ _8\"></span>e</span><span style=\"display:inherit;clear:left;\">kostnad</span><span style=\"display:inherit;clear:left;\">Godtg<span class=\"_ _8\"></span>j\u00f8relse til medlemmer a<span class=\"_ _1\"></span>v k<span class=\"_ _1\"></span>onsernledelsen f<span class=\"_ _1\"></span>or r<span class=\"_ _1\"></span>egnskaps\u00e5ret<span class=\"_ _1\"></span> 2023<span class=\"_ _112\"> </span></span><span style=\"display:inherit;clear:left;\">23<span class=\"_ _8\"></span> 778<span class=\"_ _90\"> </span><span class=\"ls0 ws0\">3 45<span class=\"_ _8\"></span>6<span class=\"_ _a5\"> </span><span class=\"lsa wsa\">27 234<span class=\"_ _6b\"> </span></span>6 066</span></span><span style=\"display:inherit;clear:left;\">Godtg<span class=\"_ _8\"></span>j\u00f8relse til medlemmer a<span class=\"_ _1\"></span>v k<span class=\"_ _1\"></span>onsernledelsen f<span class=\"_ _1\"></span>or r<span class=\"_ _1\"></span>egnskaps\u00e5ret<span class=\"_ _1\"></span> 2022<span class=\"_ _209\"> </span></span><span style=\"display:inherit;clear:left;\">25 000<span class=\"_ _90\"> </span><span class=\"ls9 ws9\">4 932<span class=\"_ _a5\"> </span>2<span class=\"_ _8\"></span>9 932<span class=\"_ _8e\"> </span><span class=\"ls120 ws1cb\">5 732</span></span></span><span style=\"display:inherit;clear:left;\">Sty<span class=\"_ _8\"></span>ret fast<span class=\"_ _8\"></span>set<span class=\"_ _8\"></span>ter et<span class=\"_ _8\"></span>ter inn<span class=\"_ _8\"></span>stil<span class=\"_ _8\"></span>lin<span class=\"_ _8\"></span>g fra God<span class=\"_ _8\"></span>tg<span class=\"_ _a\"></span>j\u00f8re<span class=\"_ _8\"></span>lse<span class=\"_ _8\"></span>sut<span class=\"_ _8\"></span>valget l<span class=\"_ _8\"></span>\u00f8nn fo<span class=\"_ _8\"></span>r Konse<span class=\"_ _8\"></span>rnsj<span class=\"_ _8\"></span>ef<span class=\"_ _1\"></span>. Komp<span class=\"_ _8\"></span>ens<span class=\"_ _8\"></span>asjo<span class=\"_ _8\"></span>n for \u00f8vri<span class=\"_ _8\"></span>ge top<span class=\"_ _8\"></span>ple<span class=\"_ _8\"></span>dere fas<span class=\"_ _8\"></span>tse<span class=\"_ _8\"></span>tte<span class=\"_ _8\"></span>s </span><span style=\"display:inherit;clear:left;\">av<span class=\"_ _1\"></span> Konsern<span class=\"_ _1\"></span>sjef ette<span class=\"_ _1\"></span>r dr\u00f8<span class=\"_ _1\"></span>fting med Godtg<span class=\"_ _8\"></span>j\u00f8relsesutvalge<span class=\"_ _1\"></span>t.</span><span style=\"display:inherit;clear:left;\">Ans<span class=\"_ _8\"></span>atte i l<span class=\"_ _8\"></span>ede<span class=\"_ _8\"></span>lsen s<span class=\"_ _8\"></span>amt d<span class=\"_ _8\"></span>irek<span class=\"_ _8\"></span>t\u00f8r for E<span class=\"_ _8\"></span>ien<span class=\"_ _8\"></span>doms<span class=\"_ _8\"></span>meg<span class=\"_ _8\"></span>le<span class=\"_ _8\"></span>r Vest AS ha<span class=\"_ _8\"></span>r 6 m\u00e5n<span class=\"_ _8\"></span>ede<span class=\"_ _8\"></span>r g<span class=\"_ _8\"></span>je<span class=\"_ _8\"></span>nsid<span class=\"_ _8\"></span>ig op<span class=\"_ _8\"></span>psi<span class=\"_ _8\"></span>gels<span class=\"_ _8\"></span>est<span class=\"_ _8\"></span>id og et ko<span class=\"_ _8\"></span>nkur<span class=\"_ _8\"></span>rans<span class=\"_ _8\"></span>eforb<span class=\"_ _8\"></span>ud so<span class=\"_ _8\"></span>m </span><span style=\"display:inherit;clear:left;\">g<span class=\"_ _8\"></span>j<span class=\"_ _8\"></span>eld<span class=\"_ _8\"></span>er i 6 m\u00e5n<span class=\"_ _8\"></span>ed<span class=\"_ _8\"></span>er utover d<span class=\"_ _8\"></span>ette<span class=\"_ _8\"></span>. I forho<span class=\"_ _8\"></span>ld ti<span class=\"_ _8\"></span>l Konse<span class=\"_ _8\"></span>rnsj<span class=\"_ _8\"></span>ef er d<span class=\"_ _8\"></span>et en g<span class=\"_ _8\"></span>j<span class=\"_ _8\"></span>ens<span class=\"_ _8\"></span>idi<span class=\"_ _8\"></span>g opp<span class=\"_ _8\"></span>sigel<span class=\"_ _8\"></span>se<span class=\"_ _8\"></span>stid p<span class=\"_ _8\"></span>\u00e5 6 m\u00e5n<span class=\"_ _8\"></span>ede<span class=\"_ _8\"></span>r<span class=\"_ _2\"></span>. St<span class=\"_ _8\"></span>yret ka<span class=\"_ _8\"></span>n be<span class=\"_ _8\"></span>slut<span class=\"_ _8\"></span>te </span><span style=\"display:inherit;clear:left;\">tid<span class=\"_ _8\"></span>lige<span class=\"_ _8\"></span>re fratrede<span class=\"_ _8\"></span>n uten avkor<span class=\"_ _8\"></span>tn<span class=\"_ _8\"></span>ing i l\u00f8<span class=\"_ _8\"></span>nn. A<span class=\"_ _8\"></span>nsat<span class=\"_ _8\"></span>te i led<span class=\"_ _8\"></span>els<span class=\"_ _8\"></span>en sa<span class=\"_ _8\"></span>mt dire<span class=\"_ _8\"></span>kt\u00f8<span class=\"_ _8\"></span>r for Eie<span class=\"_ _8\"></span>ndo<span class=\"_ _8\"></span>msm<span class=\"_ _8\"></span>eg<span class=\"_ _8\"></span>ler Vest A<span class=\"_ _8\"></span>S har i t<span class=\"_ _8\"></span>ille<span class=\"_ _8\"></span>g<span class=\"_ _8\"></span>g en </span><span style=\"display:inherit;clear:left;\">f\u00f8r<span class=\"_ _8\"></span>tid<span class=\"_ _8\"></span>spe<span class=\"_ _8\"></span>nsjo<span class=\"_ _8\"></span>nsav<span class=\"_ _8\"></span>tal<span class=\"_ _8\"></span>e fra fy<span class=\"_ _8\"></span>lte 65 \u00e5<span class=\"_ _8\"></span>r<span class=\"_ _2\"></span>, so<span class=\"_ _8\"></span>m gi<span class=\"_ _8\"></span>r rett o<span class=\"_ _8\"></span>g plik<span class=\"_ _8\"></span>t ti<span class=\"_ _8\"></span>l fratrede<span class=\"_ _8\"></span>n mot 70 prose<span class=\"_ _8\"></span>nt av l\u00f8nn f<span class=\"_ _8\"></span>rem til 67 \u00e5<span class=\"_ _8\"></span>r<span class=\"_ _2\"></span>. Kon<span class=\"_ _8\"></span>sern<span class=\"_ _8\"></span>sjef h<span class=\"_ _8\"></span>ar rett </span><span style=\"display:inherit;clear:left;\">og \u2013 de<span class=\"_ _8\"></span>rso<span class=\"_ _8\"></span>m Styre<span class=\"_ _8\"></span>t \u00f8nsker d<span class=\"_ _8\"></span>et \u2013 pl<span class=\"_ _8\"></span>ik<span class=\"_ _8\"></span>t til \u00e5 fratre m<span class=\"_ _8\"></span>ed f\u00f8r<span class=\"_ _8\"></span>ti<span class=\"_ _8\"></span>dspe<span class=\"_ _8\"></span>nsj<span class=\"_ _8\"></span>on ved f<span class=\"_ _8\"></span>ylte 62 \u00e5<span class=\"_ _8\"></span>r<span class=\"_ _2\"></span>. Utove<span class=\"_ _8\"></span>r dett<span class=\"_ _8\"></span>e foreli<span class=\"_ _8\"></span>g<span class=\"_ _8\"></span>ger det i<span class=\"_ _8\"></span>kke </span><span style=\"display:inherit;clear:left;\">tjenestekon<span class=\"_ _1\"></span>trakter mellom<span class=\"_ _1\"></span> medlemmer a<span class=\"_ _1\"></span>v styre,<span class=\"_ _1\"></span> ledelse eller tils<span class=\"_ _1\"></span>ynsorganer<span class=\"_ _1\"></span> og Sparebank<span class=\"_ _1\"></span>en V<span class=\"_ _2\"></span>est eller Sparebank<span class=\"_ _1\"></span>en V<span class=\"_ _2\"></span>e<span class=\"_ _8\"></span>st sine<span class=\"_ _1\"></span> </span><span style=\"display:inherit;clear:left;\">datterselskaper som<span class=\"_ _1\"></span> fastsetter<span class=\"_ _1\"></span> ytelser ved a<span class=\"_ _1\"></span>vslutning<span class=\"_ _1\"></span> av<span class=\"_ _1\"></span> ansettelsesforholdet.</span><span style=\"display:inherit;clear:left;\">Yt<span class=\"_ _1\"></span>elser til<span class=\"_ _1\"></span> tillitsv<span class=\"_ _1\"></span>algte</span><span style=\"display:inherit;clear:left;\">(tall<span class=\"_ _1\"></span> i hele<span class=\"_ _1\"></span> kroner<span class=\"_ _1\"></span>)</span><span style=\"display:inherit;clear:left;\">2023</span><span style=\"display:inherit;clear:left;\">2022</span><span style=\"display:inherit;clear:left;\">Samlet <span class=\"_ _4\"></span><span class=\"ls0 ws0\"> </span></span><span style=\"display:inherit;clear:left;\">Sty<span class=\"_ _8\"></span>re-</span><span style=\"display:inherit;clear:left;\">Tille<span class=\"ls155 ws206\">gg<span class=\"ls133 ws1e0\">s- <span class=\"_ _4\"></span><span class=\"ls0 ws0\"> </span></span></span></span><span style=\"display:inherit;clear:left;\">Samlet g<span class=\"_ _1\"></span>odt<span class=\"_ _2\"></span>-</span><span style=\"display:inherit;clear:left;\">g<span class=\"_ _8\"></span>o<span class=\"_ _8\"></span>d<span class=\"_ _a\"></span>t-<span class=\"_ _8\"></span><span class=\"ls0 ws0\"> </span></span><span style=\"display:inherit;clear:left;\">Sty<span class=\"_ _8\"></span>ret</span><span style=\"display:inherit;clear:left;\">honorar</span><span style=\"display:inherit;clear:left;\">honorar</span><span style=\"display:inherit;clear:left;\">g<span class=\"_ _8\"></span>j<span class=\"_ _8\"></span>\u00f8re<span class=\"_ _8\"></span>ls<span class=\"_ _8\"></span>e</span><span style=\"display:inherit;clear:left;\">g<span class=\"_ _8\"></span>j<span class=\"_ _8\"></span>\u00f8re<span class=\"_ _8\"></span>ls<span class=\"_ _8\"></span>e</span><span style=\"display:inherit;clear:left;\">Arild Hugleik B\u00f8dal<span class=\"_ _222\"> </span>Styrets leder<span class=\"_ _15\"> </span><span class=\"lsd wsd\">590 000<span class=\"_ _89\"> </span><span class=\"lsa wsa\">144 4<span class=\"_ _8\"></span>00<span class=\"_ _dc\"> </span><span class=\"ls120 ws1cb\">734 4<span class=\"_ _8\"></span>00<span class=\"_ _107\"> </span></span></span>68<span class=\"_ _8\"></span>3 000</span></span><span style=\"display:inherit;clear:left;\">Magne Morken<span class=\"_ _1f4\"> </span></span><span style=\"display:inherit;clear:left;\">Styrets nestleder<span class=\"_ _86\"> </span></span><span style=\"display:inherit;clear:left;\">293 750<span class=\"_ _85\"> </span></span><span style=\"display:inherit;clear:left;\">123 6<span class=\"_ _8\"></span>00<span class=\"_ _89\"> </span><span class=\"ls59 wsac\">417<span class=\"_ _8\"></span> 3<span class=\"_ _8\"></span>5<span class=\"_ _a\"></span>0<span class=\"_ _65\"> </span><span class=\"ls10 ws10\">3<span class=\"_ _8\"></span>69 250</span></span></span><span style=\"display:inherit;clear:left;\">Agnethe Brekk<span class=\"_ _1\"></span>e<span class=\"_ _20c\"> </span></span><span style=\"display:inherit;clear:left;\">Styremedlem<span class=\"_ _117\"> </span><span class=\"ls10 ws10\">256 250<span class=\"_ _189\"> </span></span></span><span style=\"display:inherit;clear:left;\">121 000</span><span style=\"display:inherit;clear:left;\"><span class=\"_ _cb\"> </span><span class=\"ls10 ws10\">377<span class=\"_ _8\"></span> 250<span class=\"_ _65\"> </span>356<span class=\"_ _8\"></span> 250</span></span><span style=\"display:inherit;clear:left;\">Christine Sagen Helg\u00f8<span class=\"_ _1fc\"> </span></span><span style=\"display:inherit;clear:left;\">Styr<span class=\"_ _1\"></span>emedlem<span class=\"_ _25\"> </span><span class=\"ls10 ws10\">256 250<span class=\"_ _65\"> </span><span class=\"ls0 ws0\">11<span class=\"_ _8\"></span>8 500<span class=\"_ _b7\"> </span><span class=\"ls124 ws1ce\">3<span class=\"_ _a\"></span>74<span class=\"_ _8\"></span> 7<span class=\"_ _8\"></span>5<span class=\"_ _a\"></span>0<span class=\"_ _6f\"> </span></span></span>33<span class=\"_ _8\"></span>9 250</span></span><span style=\"display:inherit;clear:left;\">Gunnar Skeie<span class=\"_ _195\"> </span></span><span style=\"display:inherit;clear:left;\">Styremedlem<span class=\"_ _25\"> </span><span class=\"ls10 ws10\">256 250<span class=\"_ _86\"> </span><span class=\"ls122 ws1cc\">128 10<span class=\"_ _8\"></span>0<span class=\"_ _19a\"> </span><span class=\"ls0 ws0\">38<span class=\"_ _8\"></span>4 350<span class=\"_ _65\"> </span></span></span>3<span class=\"_ _8\"></span>39 25<span class=\"_ _8\"></span>0</span></span><span style=\"display:inherit;clear:left;\">Henrik Mogens<span class=\"_ _1\"></span> Gundersen<span class=\"_ _22d\"> </span>Styremedlem<span class=\"_ _25\"> </span><span class=\"ls10 ws10\">256 250<span class=\"_ _43\"> </span><span class=\"ls0 ws0\">0<span class=\"_ _d4\"> </span></span>256 25<span class=\"_ _8\"></span>0<span class=\"_ _65\"> </span><span class=\"ls84 wsdf\">24<span class=\"_ _8\"></span>3 75<span class=\"_ _8\"></span>0</span></span></span><span style=\"display:inherit;clear:left;\">Kristin R\u00f8<span class=\"_ _1\"></span>yrbotten Axelsen<span class=\"_ _16a\"> </span>St<span class=\"_ _8\"></span>yremedlem<span class=\"_ _df\"> </span></span><span style=\"display:inherit;clear:left;\">256 250<span class=\"_ _12\"> </span></span><span style=\"display:inherit;clear:left;\">14 10<span class=\"_ _8\"></span>0<span class=\"_ _d4\"> </span><span class=\"ls125 ws1cf\">2<span class=\"_ _8\"></span>70 3<span class=\"_ _8\"></span>5<span class=\"_ _8\"></span>0<span class=\"_ _6f\"> </span><span class=\"ls126 ws1d0\">252<span class=\"_ _8\"></span> 750</span></span></span><span style=\"display:inherit;clear:left;\">Marianne Dorthea Jacobsen<span class=\"_ _316\"> </span>Styremedlem<span class=\"_ _df\"> </span></span><span style=\"display:inherit;clear:left;\">256<span class=\"_ _8\"></span> 250<span class=\"_ _6b\"> </span></span><span style=\"display:inherit;clear:left;\">105 250<span class=\"_ _b7\"> </span><span class=\"ls0 ws0\">361 5<span class=\"_ _8\"></span>00<span class=\"_ _6f\"> </span><span class=\"ls21 ws175\">32<span class=\"_ _8\"></span>2 750</span></span></span><span style=\"display:inherit;clear:left;\">Stig Standal T<span class=\"_ _2\"></span>aule<span class=\"_ _170\"> </span>Styre<span class=\"_ _1\"></span>medlem<span class=\"_ _25\"> </span><span class=\"ls10 ws10\">256 250<span class=\"_ _43\"> </span><span class=\"ls0 ws0\">0<span class=\"_ _d4\"> </span></span>256<span class=\"_ _8\"></span> 250<span class=\"_ _ba\"> </span>196<span class=\"_ _8\"></span> 250</span></span><span style=\"display:inherit;clear:left;\">Kirsti Lovise<span class=\"_ _1\"></span> Slotsvik<span class=\"_ _317\"> </span></span><span style=\"display:inherit;clear:left;\">Styremedlem<span class=\"_ _df\"> </span></span><span style=\"display:inherit;clear:left;\">256<span class=\"_ _8\"></span> 250<span class=\"_ _5d\"> </span></span><span style=\"display:inherit;clear:left;\">18 9<span class=\"_ _8\"></span>00<span class=\"_ _cd\"> </span><span class=\"ls21 ws175\">275 1<span class=\"_ _8\"></span>50<span class=\"_ _74\"> </span>192<span class=\"_ _8\"></span> 750</span></span><span style=\"display:inherit;clear:left;\">P\u00e5l K\u00e5rb\u00f8 (<span class=\"_ _1\"></span>til<span class=\"_ _1\"></span> mars 2<span class=\"_ _1\"></span>022,<span class=\"_ _1\"></span> var<span class=\"_ _1\"></span>amedlem)<span class=\"_ _318\"> </span><span class=\"ls0 ws0\">0<span class=\"_ _21e\"> </span>0<span class=\"_ _84\"> </span>0<span class=\"_ _1a\"> </span>58 50<span class=\"_ _8\"></span>0</span></span><span style=\"display:inherit;clear:left;\">Ann<span class=\"_ _8\"></span>e Mar<span class=\"_ _8\"></span>it Ho<span class=\"_ _8\"></span>pe (til m<span class=\"_ _8\"></span>ars 2022)<span class=\"_ _280\"> </span>0<span class=\"_ _21e\"> </span>0<span class=\"_ _84\"> </span>0<span class=\"_ _5d\"> </span><span class=\"lsd wsd\">64 000</span></span><span style=\"display:inherit;clear:left;\">Bir<span class=\"_ _8\"></span>th<span class=\"_ _8\"></span>e K\u00e5fj<span class=\"_ _8\"></span>ord La<span class=\"_ _8\"></span>nge (til m<span class=\"_ _8\"></span>ars 2022)<span class=\"_ _319\"> </span>0<span class=\"_ _21e\"> </span>0<span class=\"_ _84\"> </span>0<span class=\"_ _14\"> </span>8<span class=\"_ _1\"></span>2 500</span><span style=\"display:inherit;clear:left;\">Karen Mar<span class=\"_ _1\"></span>gret<span class=\"_ _1\"></span>e Riisnes<span class=\"_ _257\"> </span>Var<span class=\"_ _1\"></span>amedlem<span class=\"_ _169\"> </span><span class=\"lsd wsd\">58 000<span class=\"_ _6f\"> </span>25 000<span class=\"_ _85\"> </span>83 000<span class=\"_ _98\"> </span><span class=\"ls31 ws81\">57<span class=\"_ _8\"></span> 25<span class=\"_ _8\"></span>0</span></span></span><span style=\"display:inherit;clear:left;\">A<span class=\"_ _1\"></span>tle Harald<span class=\"_ _1\"></span> Sandtorv<span class=\"_ _ef\"> </span>Var<span class=\"_ _1\"></span>amedlem<span class=\"_ _169\"> </span><span class=\"lsd wsd\">58 000<span class=\"_ _169\"> </span><span class=\"ls0 ws0\">0<span class=\"_ _6b\"> </span></span>58<span class=\"_ _1\"></span> 000<span class=\"_ _17\"> </span><span class=\"ls131 ws1dd\">41<span class=\"_ _8\"></span> 2<span class=\"_ _8\"></span>5<span class=\"_ _a\"></span>0</span></span></span><span style=\"display:inherit;clear:left;\">To<span class=\"_ _8\"></span>t<span class=\"_ _a\"></span>a<span class=\"_ _8\"></span>l<span class=\"_ _a\"></span>t<span class=\"_ _1b0\"> </span><span class=\"ls0 ws0\">3 049 750<span class=\"_ _cd\"> </span><span class=\"ls121 wsaa\">798 850<span class=\"_ _c3\"> </span></span>3 848 60<span class=\"_ _8\"></span>0<span class=\"_ _131\"> </span>3 598 750</span></span><span style=\"display:inherit;clear:left;\">Styrehonor<span class=\"_ _1\"></span>arer og<span class=\"_ _1\"></span> tilleggshonorarer f<span class=\"_ _1\"></span>or deltak<span class=\"_ _1\"></span>else i<span class=\"_ _1\"></span> utvalg f<span class=\"_ _1\"></span>\u00f8lger a<span class=\"_ _1\"></span>v<span class=\"_ _1\"></span> gener<span class=\"_ _1\"></span>alforsamling<span class=\"_ _1\"></span>svedtak.</span><span style=\"display:inherit;clear:left;\">Go<span class=\"_ _8\"></span>dtg<span class=\"_ _a\"></span>j\u00f8<span class=\"_ _8\"></span>rels<span class=\"_ _8\"></span>e til gen<span class=\"_ _8\"></span>eralfo<span class=\"_ _8\"></span>rsam<span class=\"_ _8\"></span>lin<span class=\"_ _8\"></span>gen i mo<span class=\"_ _8\"></span>rban<span class=\"_ _8\"></span>k utg<span class=\"_ _a\"></span>jo<span class=\"_ _8\"></span>rde 99 125 (92 375) kron<span class=\"_ _8\"></span>er<span class=\"_ _2\"></span>. I t<span class=\"_ _8\"></span>ille<span class=\"_ _8\"></span>g<span class=\"_ _8\"></span>g komm<span class=\"_ _8\"></span>er m\u00f8te<span class=\"_ _8\"></span>hon<span class=\"_ _8\"></span>orar  </span><span style=\"display:inherit;clear:left;\">p\u00e5 7<span class=\"_ _1\"></span>36 400<span class=\"_ _1\"></span> (906<span class=\"_ _1\"></span> 900)<span class=\"_ _1\"></span> kroner<span class=\"_ _0\"></span>.</span><span style=\"display:inherit;clear:left;\">L\u00e5n og sikk<span class=\"_ _1\"></span>erhetsstillelse til<span class=\"_ _1\"></span> ledende ansatt<span class=\"_ _1\"></span>e, ansa<span class=\"_ _1\"></span>tte<span class=\"_ _1\"></span> og tillits<span class=\"_ _1\"></span>valgte</span><span style=\"display:inherit;clear:left;\">(tall i t<span class=\"_ _8\"></span>usen k<span class=\"_ _8\"></span>rone<span class=\"_ _8\"></span>r)</span><span style=\"display:inherit;clear:left;\">MORBANK<span class=\"_ _e2\"> </span>K<span class=\"_ _1\"></span>ONSERN</span><span style=\"display:inherit;clear:left;\">L\u00e5n og sikkerhe<span class=\"_ _1\"></span>ts<span class=\"_ _1\"></span>stillelse til k<span class=\"_ _1\"></span>onsernledelsen<span class=\"_ _2dd\"> </span><span class=\"lsf6 ws158\">2023<span class=\"_ _e9\"> </span>2022<span class=\"_ _e9\"> </span>202<span class=\"_ _8\"></span>3<span class=\"_ _91\"> </span>202<span class=\"_ _8\"></span>2</span></span><span style=\"display:inherit;clear:left;\">Konsernsje<span class=\"_ _1\"></span>f Jan Erik Kjerpese<span class=\"_ _1\"></span>th<span class=\"_ _2cf\"> </span>2<span class=\"_ _43\"> </span>0<span class=\"_ _78\"> </span>8 002<span class=\"_ _17\"> </span>7 000</span><span style=\"display:inherit;clear:left;\">\u00d8vrige medlemmer i k<span class=\"_ _1\"></span>onsernledelsen<span class=\"_ _148\"> </span>2<span class=\"_ _1\"></span>4 651<span class=\"_ _98\"> </span>21 016<span class=\"_ _ba\"> </span><span class=\"ls82 ws14b\">56 4<span class=\"_ _8\"></span>80<span class=\"_ _72\"> </span></span>53 314</span><span style=\"display:inherit;clear:left;\">L\u00e5n gitt til gener<span class=\"_ _1\"></span>elle vilk\u00e5r f<span class=\"_ _1\"></span>or ansa<span class=\"_ _1\"></span>t<span class=\"_ _1\"></span>te<span class=\"_ _81\"> </span><span class=\"ff1\">24 653<span class=\"_ _1a\"> </span>21 016<span class=\"_ _6f\"> </span>64 482<span class=\"_ _74\"> </span>60 314</span></span><span style=\"display:inherit;clear:left;\">L\u00e5n og sikk<span class=\"_ _1\"></span>erhetsstillelse til<span class=\"_ _1\"></span> tillitsv<span class=\"_ _1\"></span>algte, morbank</span><span style=\"display:inherit;clear:left;\">Sty<span class=\"_ _8\"></span>ret</span><span style=\"display:inherit;clear:left;\">Arild Hugleik B\u00f8dal<span class=\"_ _222\"> </span><span class=\"ls0 ws0\">Styre<span class=\"_ _1\"></span>ts leder<span class=\"_ _f0\"> </span>4<span class=\"_ _a0\"> </span><span class=\"ls122 ws1cc\">12<span class=\"_ _21e\"> </span></span>4<span class=\"_ _84\"> </span><span class=\"ls122 ws1cc\">12</span></span></span><span style=\"display:inherit;clear:left;\">Magne Morken<span class=\"_ _1f4\"> </span><span class=\"ls0 ws0\">Styre<span class=\"_ _1\"></span>ts nes<span class=\"_ _1\"></span>tleder<span class=\"_ _67\"> </span>0<span class=\"_ _21e\"> </span>0<span class=\"_ _43\"> </span>0<span class=\"_ _43\"> </span>0</span></span><span style=\"display:inherit;clear:left;\">Agnethe Brekk<span class=\"_ _1\"></span>e<span class=\"_ _20c\"> </span><span class=\"ls0 ws0\">Styremedlem<span class=\"_ _f7\"> </span>0<span class=\"_ _43\"> </span>0<span class=\"_ _21e\"> </span>0<span class=\"_ _43\"> </span>0</span></span><span style=\"display:inherit;clear:left;\">Gunnar Skeie<span class=\"_ _195\"> </span><span class=\"ls0 ws0\">Styremedlem<span class=\"_ _f7\"> </span>0<span class=\"_ _43\"> </span>0<span class=\"_ _21e\"> </span>0<span class=\"_ _43\"> </span>0</span></span><span style=\"display:inherit;clear:left;\">Henrik Mogens<span class=\"_ _1\"></span> Gundersen<span class=\"_ _22d\"> </span><span class=\"ls0 ws0\">Styreme<span class=\"_ _1\"></span>dlem<span class=\"_ _103\"> </span><span class=\"ls133 ws1e0\">46<span class=\"_ _48\"> </span>95<span class=\"_ _9a\"> </span><span class=\"ls126 ws1d0\">1 586<span class=\"_ _8b\"> </span></span></span>1 635</span></span><span style=\"display:inherit;clear:left;\">Kristin R\u00f8<span class=\"_ _1\"></span>yrbotten Axelsen<span class=\"_ _16a\"> </span></span><span style=\"display:inherit;clear:left;\">Styremedlem<span class=\"_ _f7\"> </span>0<span class=\"_ _43\"> </span>0<span class=\"_ _21a\"> </span><span class=\"ls125 ws1cf\">2<span class=\"_ _8\"></span> 7<span class=\"_ _8\"></span>70<span class=\"_ _8d\"> </span><span class=\"lsa wsa\">2 535</span></span></span><span style=\"display:inherit;clear:left;\">Marianne Dorthea Jacobsen<span class=\"_ _316\"> </span><span class=\"ls0 ws0\">Styr<span class=\"_ _1\"></span>emedlem<span class=\"_ _f7\"> </span>0<span class=\"_ _43\"> </span>0<span class=\"_ _3e\"> </span><span class=\"lsa wsa\">3 27<span class=\"_ _8\"></span>7<span class=\"_ _8d\"> </span></span>3 33<span class=\"_ _8\"></span>6</span></span><span style=\"display:inherit;clear:left;\">Christine Sagen Helg\u00f8<span class=\"_ _1fc\"> </span><span class=\"ls0 ws0\">S<span class=\"_ _1\"></span>tyreme<span class=\"_ _1\"></span>dlem<span class=\"_ _f3\"> </span>0<span class=\"_ _21e\"> </span>0<span class=\"_ _43\"> </span>0<span class=\"_ _43\"> </span>0</span></span><span style=\"display:inherit;clear:left;\">Stig Standal T<span class=\"_ _2\"></span>aule<span class=\"_ _170\"> </span><span class=\"ls0 ws0\">S<span class=\"_ _1\"></span>tyremedlem<span class=\"_ _f0\"> </span>3<span class=\"_ _49\"> </span><span class=\"ls123 ws1cd\">10<span class=\"_ _21a\"> </span><span class=\"ls21 ws175\">2 073<span class=\"_ _18\"> </span></span></span>2 0<span class=\"_ _8\"></span>40</span></span><span style=\"display:inherit;clear:left;\">Kir<span class=\"_ _8\"></span>sti Lovi<span class=\"_ _8\"></span>se Sl<span class=\"_ _8\"></span>otsvi<span class=\"_ _8\"></span>k <span class=\"_ _260\"> </span>Styr<span class=\"_ _1\"></span>emedlem<span class=\"_ _f7\"> </span>0<span class=\"_ _43\"> </span>0<span class=\"_ _43\"> </span>0<span class=\"_ _21e\"> </span>0</span><span style=\"display:inherit;clear:left;\">Kare<span class=\"_ _8\"></span>n Marg<span class=\"_ _8\"></span>rete Ri<span class=\"_ _8\"></span>isne<span class=\"_ _8\"></span>s <span class=\"_ _23c\"> </span>V<span class=\"_ _1\"></span>ar<span class=\"_ _1\"></span>amedlem<span class=\"_ _e4\"> </span>0<span class=\"_ _43\"> </span>0<span class=\"_ _97\"> </span><span class=\"ls9 ws9\">32<span class=\"_ _8\"></span>2<span class=\"_ _95\"> </span><span class=\"ls12e ws1d8\">444</span></span></span><span style=\"display:inherit;clear:left;\">Atle Ha<span class=\"_ _8\"></span>rald Sa<span class=\"_ _8\"></span>ndto<span class=\"_ _8\"></span>rv <span class=\"_ _2c7\"> </span>V<span class=\"_ _2\"></span>aramedlem<span class=\"_ _4f\"> </span>2<span class=\"_ _c8\"> </span>2<span class=\"_ _c8\"> </span>2<span class=\"_ _c8\"> </span>2</span><span style=\"display:inherit;clear:left;\">L\u00e5n gitt p\u00e5 ordin\u00e6r<span class=\"_ _1\"></span>e k<span class=\"_ _1\"></span>undebeting<span class=\"_ _1\"></span>elser med unn<span class=\"_ _1\"></span>tak </span><span style=\"display:inherit;clear:left;\">a<span class=\"_ _1\"></span>v ansa<span class=\"_ _1\"></span>ttr<span class=\"_ _1\"></span>epr<span class=\"_ _1\"></span>esen<span class=\"_ _1\"></span>tan<span class=\"_ _1\"></span>ter<span class=\"_ _fe\"> </span></span><span style=\"display:inherit;clear:left;\">55<span class=\"_ _99\"> </span><span class=\"ls9 ws9\">119<span class=\"_ _74\"> </span></span></span><span style=\"display:inherit;clear:left;\"><span class=\"ff1\">10 0<span class=\"_ _8\"></span>35<span class=\"_ _6e\"> </span>10 0<span class=\"_ _8\"></span>04</span></span><span style=\"display:inherit;clear:left;\">Generalfor<span class=\"_ _1\"></span>samlingen</span><span style=\"display:inherit;clear:left;\">Sivert S\u00f8rnes, gener<span class=\"_ _1\"></span>alf<span class=\"_ _1\"></span>orsamlingens<span class=\"_ _1\"></span> leder <span class=\"_ _1cd\"> </span></span><span style=\"display:inherit;clear:left;\">1 269<span class=\"_ _8b\"> </span><span class=\"ls0 ws0\">1 296<span class=\"_ _9a\"> </span><span class=\"ls82 ws14b\">1 979<span class=\"_ _75\"> </span></span>2 775</span></span><span style=\"display:inherit;clear:left;\">\u00d8vrige medlemmer a<span class=\"_ _1\"></span>v g<span class=\"_ _1\"></span>ener<span class=\"_ _1\"></span>alfor<span class=\"_ _1\"></span>samlingen med unn<span class=\"_ _1\"></span>tak a<span class=\"_ _1\"></span>v </span><span style=\"display:inherit;clear:left;\">ansa<span class=\"_ _1\"></span>ttr<span class=\"_ _1\"></span>epr<span class=\"_ _1\"></span>esen<span class=\"_ _1\"></span>tant<span class=\"_ _1\"></span>er <span class=\"_ _15e\"> </span>23 010<span class=\"_ _93\"> </span>26 4<span class=\"_ _8\"></span>51<span class=\"_ _74\"> </span><span class=\"ls11e wsb9\">62 629<span class=\"_ _74\"> </span></span>62 388</span><span style=\"display:inherit;clear:left;\">L\u00e5n gitt p\u00e5 ordin\u00e6r<span class=\"_ _1\"></span>e kundebeting<span class=\"_ _1\"></span>elser<span class=\"_ _f5\"> </span></span><span style=\"display:inherit;clear:left;\">24<span class=\"_ _8\"></span> 279<span class=\"_ _5d\"> </span></span><span style=\"display:inherit;clear:left;\">2<span class=\"_ _a\"></span>7<span class=\"_ _8\"></span> 74<span class=\"_ _8\"></span>7<span class=\"_ _6f\"> </span><span class=\"ls0 ws0\">6<span class=\"_ _8\"></span>4 608<span class=\"_ _5d\"> </span>6<span class=\"_ _8\"></span>5 163</span></span><span style=\"display:inherit;clear:left;\">1)</span><span style=\"display:inherit;clear:left;\">Samlet utl\u00e5n<span class=\"_ _1\"></span> og sikk<span class=\"_ _1\"></span>erhetsstillelse til<span class=\"_ _1\"></span> ansatt<span class=\"_ _1\"></span>e </span><span style=\"display:inherit;clear:left;\">662 790<span class=\"_ _6b\"> </span></span><span style=\"display:inherit;clear:left;\">527 15<span class=\"_ _8\"></span>5<span class=\"_ _5c\"> </span><span class=\"ls0 ws0\">2 442 58<span class=\"_ _8\"></span>2<span class=\"_ _19a\"> </span>2 172 315</span></span><span style=\"display:inherit;clear:left;\">1)</span><span style=\"display:inherit;clear:left;\"> Eksklusiv<span class=\"_ _1\"></span> konsernledelsen og<span class=\"_ _1\"></span> ansattr<span class=\"_ _1\"></span>epresentant<span class=\"_ _1\"></span>er i styr<span class=\"_ _1\"></span>et.</span><span style=\"display:inherit;clear:left;\">Subsidiekostna<span class=\"_ _1\"></span>den kn<span class=\"_ _1\"></span>yttet til r<span class=\"_ _1\"></span>entesubsidiering<span class=\"_ _1\"></span> a<span class=\"_ _1\"></span>v l\u00e5n ti<span class=\"_ _1\"></span>l ansa<span class=\"_ _1\"></span>tte er ikk<span class=\"_ _1\"></span>e bokf\u00f8rt som driftsk<span class=\"_ _1\"></span>ostnad og<span class=\"_ _1\"></span> p\u00e5v<span class=\"_ _1\"></span>irker<span class=\"_ _1\"></span> bankens<span class=\"_ _1\"></span> rent<span class=\"_ _1\"></span>e-</span><span style=\"display:inherit;clear:left;\">net<span class=\"_ _8\"></span>to. L\u00e5<span class=\"_ _8\"></span>n til a<span class=\"_ _8\"></span>nsat<span class=\"_ _8\"></span>te subs<span class=\"_ _8\"></span>idi<span class=\"_ _8\"></span>eres m<span class=\"_ _8\"></span>ed et rab<span class=\"_ _8\"></span>attel<span class=\"_ _8\"></span>eme<span class=\"_ _8\"></span>nt p\u00e5 ordi<span class=\"_ _8\"></span>n\u00e6re k<span class=\"_ _8\"></span>unde<span class=\"_ _8\"></span>bet<span class=\"_ _8\"></span>ingel<span class=\"_ _8\"></span>ser<span class=\"_ _1\"></span>, hhv<span class=\"_ _1\"></span>. 25 % rabatt fo<span class=\"_ _8\"></span>r l\u00e5n me<span class=\"_ _8\"></span>d fly<span class=\"_ _8\"></span>te<span class=\"_ _8\"></span>nde rent<span class=\"_ _8\"></span>e </span><span style=\"display:inherit;clear:left;\"><span><span style=\"display:inherit;clear:left;\">og 0,65 %-po<span class=\"_ _8\"></span>eng fo<span class=\"_ _8\"></span>r l\u00e5n m<span class=\"_ _8\"></span>ed fast re<span class=\"_ _8\"></span>nte.</span></span> <span class=\"_ _e4\"> </span> <span class=\"_ _94\"> </span> </span><span style=\"display:inherit;clear:left;\">Note 4<span class=\"_ _8\"></span>4 T<span class=\"_ _a\"></span>v<span class=\"_ _8\"></span>istem\u00e5<span class=\"_ _8\"></span>l</span><span style=\"display:inherit;clear:left;\">Spa<span class=\"_ _8\"></span>reban<span class=\"_ _8\"></span>ken Vest er p<span class=\"_ _8\"></span>er 31. d<span class=\"_ _8\"></span>es<span class=\"_ _8\"></span>emb<span class=\"_ _8\"></span>er 2023 i<span class=\"_ _8\"></span>kke involve<span class=\"_ _8\"></span>rt i n<span class=\"_ _8\"></span>oen s<span class=\"_ _8\"></span>\u00f8ksm<span class=\"_ _8\"></span>\u00e5l el<span class=\"_ _8\"></span>ler ret<span class=\"_ _8\"></span>tst<span class=\"_ _8\"></span>vis<span class=\"_ _8\"></span>ter so<span class=\"_ _8\"></span>m er av vese<span class=\"_ _8\"></span>ntli<span class=\"_ _8\"></span>g \u00f8kon<span class=\"_ _8\"></span>omis<span class=\"_ _8\"></span>k </span><span style=\"display:inherit;clear:left;\">bet<span class=\"_ _8\"></span>ydni<span class=\"_ _8\"></span>ng for kons<span class=\"_ _8\"></span>ern<span class=\"_ _8\"></span>ets v<span class=\"_ _8\"></span>irks<span class=\"_ _8\"></span>omhe<span class=\"_ _8\"></span>t. For \u00f8vri<span class=\"_ _8\"></span>g er ba<span class=\"_ _8\"></span>nken ti<span class=\"_ _8\"></span>l enhver t<span class=\"_ _8\"></span>id g<span class=\"_ _8\"></span>j<span class=\"_ _8\"></span>enst<span class=\"_ _8\"></span>an<span class=\"_ _8\"></span>d for fl<span class=\"_ _8\"></span>ere krav knyt<span class=\"_ _8\"></span>tet ti<span class=\"_ _8\"></span>l sin v<span class=\"_ _8\"></span>irks<span class=\"_ _8\"></span>omhe<span class=\"_ _8\"></span>t. De<span class=\"_ _8\"></span>t er </span><span style=\"display:inherit;clear:left;\">foretat<span class=\"_ _8\"></span>t ta<span class=\"_ _8\"></span>psavset<span class=\"_ _8\"></span>nin<span class=\"_ _8\"></span>ger de<span class=\"_ _8\"></span>r det er fu<span class=\"_ _8\"></span>nnet g<span class=\"_ _8\"></span>run<span class=\"_ _8\"></span>nla<span class=\"_ _8\"></span>g for det<span class=\"_ _8\"></span>te.</span><span style=\"display:inherit;clear:left;\">No<span class=\"_ _1\"></span>te 45 R<span class=\"_ _1\"></span>egnskap<span class=\"_ _1\"></span>smessi<span class=\"_ _1\"></span>g inte<span class=\"_ _1\"></span>grasjon a<span class=\"_ _2\"></span>v E<span class=\"_ _8\"></span>tne Spare<span class=\"_ _1\"></span>bank</span><span style=\"display:inherit;clear:left;\">Virksomhetssammenslutninger</span><span style=\"display:inherit;clear:left;\">Virksomhetssammenslutninger<span class=\"_ _1\"></span> regnskapsf\u00f8r<span class=\"_ _1\"></span>es i<span class=\"_ _1\"></span> henhold til oppkj\u00f8psmet<span class=\"_ _1\"></span>oden. V<span class=\"_ _1\"></span>ederlaget<span class=\"_ _1\"></span> m\u00e5les til virk<span class=\"_ _1\"></span>elig v<span class=\"_ _1\"></span>erdi<span class=\"_ _1\"></span> p\u00e5 </span><span style=\"display:inherit;clear:left;\">oppkj\u00f8pstidspunk<span class=\"_ _8\"></span>tet. Direkte o<span class=\"_ _1\"></span>vertagelse<span class=\"_ _8\"></span>skostnader<span class=\"_ _1\"></span> kostnadsf<span class=\"_ _1\"></span>\u00f8res n\u00e5r de<span class=\"_ _1\"></span> oppst\u00e5r<span class=\"_ _2\"></span>, med unntak av emisjons<span class=\"_ _1\"></span>-<span class=\"_ _1\"></span> og </span><span style=\"display:inherit;clear:left;\">l\u00e5neopptaksutgifter<span class=\"_ _2\"></span>.</span><span style=\"display:inherit;clear:left;\">Overtatte eiendeler<span class=\"_ _1\"></span> og g<span class=\"_ _8\"></span>jeld balansef<span class=\"_ _1\"></span>\u00f8res til<span class=\"_ _1\"></span> virkelig<span class=\"_ _1\"></span> ver<span class=\"_ _1\"></span>di i<span class=\"_ _1\"></span> \u00e5pningsbalansen i<span class=\"_ _1\"></span> konserne<span class=\"_ _1\"></span>t. Dersom v<span class=\"_ _1\"></span>ederlaget o<span class=\"_ _1\"></span>verstig<span class=\"_ _1\"></span>er v<span class=\"_ _1\"></span>erdien<span class=\"_ _1\"></span> av<span class=\"_ _1\"></span> </span><span style=\"display:inherit;clear:left;\">identifiserte eiendeler og<span class=\"_ _1\"></span> forpliktelser r<span class=\"_ _1\"></span>egnskapsf\u00f8r<span class=\"_ _1\"></span>es differ<span class=\"_ _1\"></span>ansen som<span class=\"_ _1\"></span> goodwill. Dersom<span class=\"_ _1\"></span> anskaff<span class=\"_ _1\"></span>elseskost<span class=\"_ _1\"></span> er la<span class=\"_ _1\"></span>ver<span class=\"_ _1\"></span>e enn<span class=\"_ _1\"></span> </span><span style=\"display:inherit;clear:left;\">identifiserte eiendeler og<span class=\"_ _1\"></span> forpliktelser (<span class=\"_ _1\"></span>negati<span class=\"_ _1\"></span>v goodwill)<span class=\"_ _1\"></span>, r<span class=\"_ _1\"></span>esulta<span class=\"_ _1\"></span>tf\u00f8res di<span class=\"_ _1\"></span>fferansen<span class=\"_ _1\"></span> p\u00e5 tr<span class=\"_ _1\"></span>ansaksjonstidspunktet.<span class=\"_ _1\"></span> F<span class=\"_ _1\"></span>or ytterligere<span class=\"_ _1\"></span> </span><span style=\"display:inherit;clear:left;\">detaljer knyttet til r<span class=\"_ _1\"></span>egnskapsme<span class=\"_ _8\"></span>ssig behandling av<span class=\"_ _1\"></span> goodwill se not<span class=\"_ _1\"></span>e 33. </span><span style=\"display:inherit;clear:left;\">Betingede v<span class=\"_ _1\"></span>ederlag klassifiseres som<span class=\"_ _1\"></span> en forpliktelse<span class=\"_ _1\"></span> og regnskapsf<span class=\"_ _1\"></span>\u00f8res ti<span class=\"_ _1\"></span>l virk<span class=\"_ _1\"></span>elig ver<span class=\"_ _1\"></span>di i<span class=\"_ _1\"></span> etterf\u00f8lgende perioder med<span class=\"_ _1\"></span> </span><span style=\"display:inherit;clear:left;\">ver<span class=\"_ _1\"></span>diendringer o<span class=\"_ _1\"></span>ver<span class=\"_ _1\"></span> resulta<span class=\"_ _1\"></span>t.</span><span style=\"display:inherit;clear:left;\">F<span class=\"_ _1\"></span>usj<span class=\"_ _8\"></span>on me<span class=\"_ _8\"></span>d Etne Sp<span class=\"_ _8\"></span>areb<span class=\"_ _8\"></span>ank i 20<span class=\"_ _8\"></span>22</span><span style=\"display:inherit;clear:left;\">E<span class=\"_ _1\"></span>tne Spar<span class=\"_ _1\"></span>ebank ble o<span class=\"_ _1\"></span>vertatt med<span class=\"_ _1\"></span> regnskapsmessig effekt fr<span class=\"_ _1\"></span>a 1.<span class=\"_ _1\"></span> desember 2022.<span class=\"_ _1\"></span> Sparebank<span class=\"_ _1\"></span>en V<span class=\"_ _2\"></span>e<span class=\"_ _8\"></span>st v<span class=\"_ _1\"></span>ar o<span class=\"_ _1\"></span>vertakende selskap<span class=\"_ _1\"></span> og </span><span style=\"display:inherit;clear:left;\">fusjonen<span class=\"_ _1\"></span> ble g<span class=\"_ _8\"></span>jennomf<span class=\"_ _1\"></span>\u00f8rt etter oppkj\u00f8psme<span class=\"_ _1\"></span>toden i<span class=\"_ _1\"></span> samsvar<span class=\"_ _1\"></span> med IFRS<span class=\"_ _1\"></span> 3. </span><span style=\"display:inherit;clear:left;\">Styrene i<span class=\"_ _1\"></span> Sparebank<span class=\"_ _1\"></span>en V<span class=\"_ _2\"></span>est og E<span class=\"_ _1\"></span>tne Spare<span class=\"_ _1\"></span>bank vedt<span class=\"_ _1\"></span>ok 21. f<span class=\"_ _1\"></span>ebruar 2<span class=\"_ _1\"></span>022 en<span class=\"_ _1\"></span> plan f<span class=\"_ _1\"></span>or sammensl\u00e5ing a<span class=\"_ _1\"></span>v<span class=\"_ _1\"></span> de to<span class=\"_ _1\"></span> bankene.<span class=\"_ _1\"></span> Bakgrunnen </span><span style=\"display:inherit;clear:left;\">for sammensl\u00e5ing<span class=\"_ _1\"></span>en v<span class=\"_ _1\"></span>ar betydelig<span class=\"_ _1\"></span>e syner<span class=\"_ _1\"></span>gier knyttet til<span class=\"_ _1\"></span> to s<span class=\"_ _1\"></span>terke<span class=\"_ _1\"></span> og lokalt<span class=\"_ _1\"></span> for<span class=\"_ _1\"></span>ankrede s<span class=\"_ _1\"></span>parebank<span class=\"_ _1\"></span>er<span class=\"_ _2\"></span>, med en r<span class=\"_ _1\"></span>ekke<span class=\"_ _1\"></span> likheter<span class=\"_ _1\"></span> i pr<span class=\"_ _1\"></span>ofil, </span><span style=\"display:inherit;clear:left;\">og med dels o<span class=\"_ _1\"></span>verlappende<span class=\"_ _1\"></span> markedsomr<span class=\"_ _1\"></span>\u00e5der i<span class=\"_ _1\"></span> Sunnhordland.<span class=\"_ _1\"></span> Bankene<span class=\"_ _1\"></span> hadde et<span class=\"_ _1\"></span> sterkt produktsamarbeid g<span class=\"_ _8\"></span>jennom selskapene </span><span style=\"display:inherit;clear:left;\">F<span class=\"_ _1\"></span>r<span class=\"_ _1\"></span>ende, Brage<span class=\"_ _1\"></span> og Norne. F<span class=\"_ _2\"></span>usjonsavtalen ble behandlet og<span class=\"_ _1\"></span> enstemmig g<span class=\"_ _1\"></span>odkjent i<span class=\"_ _1\"></span> bankenes<span class=\"_ _1\"></span> gener<span class=\"_ _1\"></span>alforsamling<span class=\"_ _1\"></span> 23. mar<span class=\"_ _1\"></span>s 20<span class=\"_ _1\"></span>22.</span><span style=\"display:inherit;clear:left;\">17<span class=\"_ _2\"></span>. oktober 2022<span class=\"_ _1\"></span> ga Finansti<span class=\"_ _1\"></span>lsynet<span class=\"_ _1\"></span> de n\u00f8dvendige<span class=\"_ _1\"></span> tilla<span class=\"_ _1\"></span>telser til<span class=\"_ _1\"></span> fusjonen. F<span class=\"_ _2\"></span>usjonsplanen ble endelig v<span class=\"_ _1\"></span>edtatt a<span class=\"_ _1\"></span>v<span class=\"_ _1\"></span> styrene i<span class=\"_ _1\"></span> beg<span class=\"_ _8\"></span>ge<span class=\"_ _1\"></span> </span><span style=\"display:inherit;clear:left;\">ban<span class=\"_ _8\"></span>kene 17<span class=\"_ _1\"></span>. novemb<span class=\"_ _8\"></span>er<span class=\"_ _2\"></span>. Fusjo<span class=\"_ _8\"></span>nen b<span class=\"_ _8\"></span>le ved<span class=\"_ _8\"></span>tatt g<span class=\"_ _a\"></span>je<span class=\"_ _8\"></span>nnom<span class=\"_ _8\"></span>f\u00f8r<span class=\"_ _8\"></span>t fra 1. de<span class=\"_ _8\"></span>sem<span class=\"_ _8\"></span>ber 202<span class=\"_ _8\"></span>2 og bl<span class=\"_ _8\"></span>e reg<span class=\"_ _8\"></span>ist<span class=\"_ _8\"></span>rer<span class=\"_ _8\"></span>t i F<span class=\"_ _1\"></span>oret<span class=\"_ _8\"></span>aksre<span class=\"_ _8\"></span>gi<span class=\"_ _8\"></span>steret s<span class=\"_ _8\"></span>amm<span class=\"_ _8\"></span>e dag</span><span style=\"display:inherit;clear:left;\">I forb<span class=\"_ _8\"></span>ind<span class=\"_ _8\"></span>else m<span class=\"_ _8\"></span>ed fu<span class=\"_ _8\"></span>sjon<span class=\"_ _8\"></span>en bl<span class=\"_ _8\"></span>e eie<span class=\"_ _8\"></span>rand<span class=\"_ _8\"></span>elsk<span class=\"_ _8\"></span>apit<span class=\"_ _8\"></span>ale<span class=\"_ _8\"></span>n \u00f8k<span class=\"_ _8\"></span>t me<span class=\"_ _8\"></span>d 210 557 2<span class=\"_ _8\"></span>19 kron<span class=\"_ _8\"></span>er g<span class=\"_ _8\"></span>j<span class=\"_ _8\"></span>enn<span class=\"_ _8\"></span>om uts<span class=\"_ _8\"></span>ted<span class=\"_ _8\"></span>else av 2 398 14<span class=\"_ _8\"></span>6 nye </span><span style=\"display:inherit;clear:left;\">egenkapitalbevis.<span class=\"_ _1\"></span> Egenkapitalbevisene ble<span class=\"_ _1\"></span> utstedt til<span class=\"_ _1\"></span> p\u00e5lydende<span class=\"_ _1\"></span> 25<span class=\"_ _1\"></span> kroner per<span class=\"_ _1\"></span> egenkapitalbevis<span class=\"_ _1\"></span> til en<span class=\"_ _1\"></span> kurs p\u00e5<span class=\"_ _1\"></span> </span><span style=\"display:inherit;clear:left;\">g<span class=\"_ _8\"></span>jennomf\u00f8ringspunktet<span class=\"_ _1\"></span> tilsv<span class=\"_ _1\"></span>arende 8<span class=\"_ _1\"></span>7<span class=\"_ _2\"></span>,80 per egenkapi<span class=\"_ _1\"></span>talbevis.</span><span style=\"display:inherit;clear:left;\">P\u00e5 in<span class=\"_ _1\"></span>tegrasjonstidspun<span class=\"_ _1\"></span>ktet ble o<span class=\"_ _1\"></span>vertatt balanse<span class=\"_ _1\"></span> til E<span class=\"_ _1\"></span>tne<span class=\"_ _1\"></span> Sparebank<span class=\"_ _1\"></span> innregnet ti<span class=\"_ _1\"></span>l virk<span class=\"_ _1\"></span>elig ver<span class=\"_ _1\"></span>di i<span class=\"_ _1\"></span> regnskapet<span class=\"_ _1\"></span> til Spar<span class=\"_ _1\"></span>ebanken<span class=\"_ _1\"></span> V<span class=\"_ _1\"></span>est. </span><span style=\"display:inherit;clear:left;\">Differansen<span class=\"_ _1\"></span> mellom virk<span class=\"_ _1\"></span>elig v<span class=\"_ _1\"></span>erdi<span class=\"_ _1\"></span> av<span class=\"_ _1\"></span> vederlaget<span class=\"_ _1\"></span> og o<span class=\"_ _1\"></span>vertatte ne<span class=\"_ _1\"></span>tto eiendeler e<span class=\"_ _1\"></span>tter oppkj\u00f8psanalysen<span class=\"_ _1\"></span> ble innt<span class=\"_ _1\"></span>ektsf\u00f8rt som negativ </span><span style=\"display:inherit;clear:left;\">goodwill p\u00e5 tidspunkt for sammensl\u00e5ing.</span><span style=\"display:inherit;clear:left;\">T<span class=\"_ _2\"></span>abellen nedenfor viser<span class=\"_ _1\"></span> vederlaget,<span class=\"_ _1\"></span> virkelig<span class=\"_ _1\"></span> ver<span class=\"_ _1\"></span>di a<span class=\"_ _1\"></span>v eiendeler<span class=\"_ _0\"></span>, virkelig v<span class=\"_ _1\"></span>erdi<span class=\"_ _1\"></span> av<span class=\"_ _1\"></span> g<span class=\"_ _8\"></span>jeld samt ber<span class=\"_ _1\"></span>egning a<span class=\"_ _1\"></span>v nega<span class=\"_ _1\"></span>tiv goodwill<span class=\"_ _1\"></span> per <span class=\"ls0 ws0\"> </span></span><span style=\"display:inherit;clear:left;\">1. de<span class=\"_ _8\"></span>se<span class=\"_ _8\"></span>mbe<span class=\"_ _8\"></span>r 2022. N<span class=\"_ _8\"></span>egat<span class=\"_ _8\"></span>iv goo<span class=\"_ _8\"></span>dwil<span class=\"_ _8\"></span>l opp<span class=\"_ _8\"></span>sto so<span class=\"_ _8\"></span>m f\u00f8lge av redu<span class=\"_ _8\"></span>ser<span class=\"_ _8\"></span>t b<span class=\"_ _8\"></span>\u00f8rsverd<span class=\"_ _8\"></span>i av egenka<span class=\"_ _8\"></span>pit<span class=\"_ _8\"></span>alb<span class=\"_ _8\"></span>evis<span class=\"_ _8\"></span>et til S<span class=\"_ _8\"></span>pareb<span class=\"_ _8\"></span>anken Vest m<span class=\"_ _8\"></span>ell<span class=\"_ _8\"></span>om </span><span style=\"display:inherit;clear:left;\">avtaletidspunkt og tidspunk<span class=\"_ _8\"></span>t for<span class=\"_ _1\"></span> sammensl\u00e5ing.</span><span style=\"display:inherit;clear:left;\">ETNE SP<span class=\"_ _2\"></span>AREBANK</span><span style=\"display:inherit;clear:left;\">Mer-<span class=\"_ _2\"></span>/mindre<span class=\"_ _1\"></span>-<span class=\"ls0 ws0\"> </span></span><span style=\"display:inherit;clear:left;\">Virkelig v<span class=\"_ _1\"></span>erdi<span class=\"_ _1\"></span><span class=\"ls0 ws0\"> </span></span><span style=\"display:inherit;clear:left;\">1<span class=\"_ _8\"></span>/<span class=\"_ _8\"></span>1<span class=\"_ _8\"></span>2-2<span class=\"_ _8\"></span>0<span class=\"_ _8\"></span>2<span class=\"_ _8\"></span>2</span><span style=\"display:inherit;clear:left;\">ver<span class=\"_ _1\"></span>dier</span><span style=\"display:inherit;clear:left;\">p<span class=\"_ _a\"></span>r.<span class=\"_ _8\"></span> 1<span class=\"_ _a\"></span>/<span class=\"_ _a\"></span>1<span class=\"_ _a\"></span>2<span class=\"_ _8\"></span>-<span class=\"_ _8\"></span>2<span class=\"_ _a\"></span>0<span class=\"_ _8\"></span>2<span class=\"_ _a\"></span>2</span><span style=\"display:inherit;clear:left;\">Kontan<span class=\"_ _1\"></span>ter og<span class=\"_ _1\"></span> for<span class=\"_ _1\"></span>dringer p\u00e5<span class=\"_ _1\"></span> sentr<span class=\"_ _1\"></span>albanker<span class=\"_ _31a\"> </span><span class=\"ls108 ws16a\">78<span class=\"_ _43\"> </span><span class=\"ls0 ws0\">0<span class=\"_ _b6\"> </span></span>78</span></span><span style=\"display:inherit;clear:left;\">Utl\u00e5n til<span class=\"_ _1\"></span> og for<span class=\"_ _1\"></span>dringer<span class=\"_ _1\"></span> p\u00e5 kredi<span class=\"_ _1\"></span>ttinstitusjoner<span class=\"_ _2cf\"> </span></span><span style=\"display:inherit;clear:left;\">27<span class=\"_ _8\"></span>7<span class=\"_ _43\"> </span><span class=\"ls0 ws0\">0<span class=\"_ _9c\"> </span><span class=\"lsa wsa\">277</span></span></span><span style=\"display:inherit;clear:left;\">Net<span class=\"_ _1\"></span>to utl\u00e5n<span class=\"_ _1a9\"> </span><span class=\"ls139 ws1e6\">2 381<span class=\"_ _43\"> </span></span>0<span class=\"_ _9a\"> </span><span class=\"ls139 ws1e6\">2<span class=\"_ _8\"></span> 381</span></span><span style=\"display:inherit;clear:left;\">Aksjer til virkelig v<span class=\"_ _1\"></span>er<span class=\"_ _1\"></span>di o<span class=\"_ _1\"></span>v<span class=\"_ _1\"></span>er r<span class=\"_ _1\"></span>esulta<span class=\"_ _1\"></span>te<span class=\"_ _1\"></span>t<span class=\"_ _2be\"> </span>4<span class=\"_ _43\"> </span>0<span class=\"_ _21e\"> </span>4</span><span style=\"display:inherit;clear:left;\">Sertifika<span class=\"_ _1\"></span>ter og obligasjoner<span class=\"_ _2af\"> </span>3<span class=\"_ _43\"> </span>0<span class=\"_ _c8\"> </span>3</span><span style=\"display:inherit;clear:left;\">Eierint<span class=\"_ _1\"></span>er<span class=\"_ _1\"></span>esser i tilkn<span class=\"_ _1\"></span>ytt<span class=\"_ _1\"></span>ede selskaper<span class=\"_ _303\"> </span><span class=\"ls133 ws1e0\">54<span class=\"_ _43\"> </span></span>5<span class=\"_ _b6\"> </span><span class=\"ls126 ws1d0\">58</span></span><span style=\"display:inherit;clear:left;\">Utsa<span class=\"_ _1\"></span>tt ska<span class=\"_ _2\"></span>ttef<span class=\"_ _1\"></span>or<span class=\"_ _1\"></span>del<span class=\"_ _2f4\"> </span>0<span class=\"_ _21e\"> </span>4<span class=\"_ _21e\"> </span>4</span><span style=\"display:inherit;clear:left;\">V<span class=\"_ _2\"></span>arige driftsmidler<span class=\"_ _26a\"> </span>10<span class=\"_ _6a\"> </span><span class=\"ls84 wsdf\">-2<span class=\"_ _c8\"> </span></span>8</span><span style=\"display:inherit;clear:left;\">Andre eiendeler<span class=\"_ _30b\"> </span>13<span class=\"_ _43\"> </span>0<span class=\"_ _84\"> </span>13</span><span style=\"display:inherit;clear:left;\">Sum eiendeler<span class=\"_ _2f4\"> </span><span class=\"ls0 ws0\">2 8<span class=\"_ _8\"></span>19<span class=\"_ _43\"> </span>6<span class=\"_ _16\"> </span>2 825</span></span><span style=\"display:inherit;clear:left;\">Gjeld til kr<span class=\"_ _1\"></span>edittinstitusjoner<span class=\"_ _137\"> </span></span><span style=\"display:inherit;clear:left;\">822<span class=\"_ _43\"> </span><span class=\"ls0 ws0\">0<span class=\"_ _97\"> </span><span class=\"lsa wsa\">82<span class=\"_ _8\"></span>2</span></span></span><span style=\"display:inherit;clear:left;\">Innskudd fr<span class=\"_ _1\"></span>a kunder<span class=\"_ _31b\"> </span><span class=\"ls31 ws81\">1 5<span class=\"_ _8\"></span>59<span class=\"_ _43\"> </span></span>0<span class=\"_ _9a\"> </span><span class=\"ls31 ws81\">1 5<span class=\"_ _8\"></span>59</span></span><span style=\"display:inherit;clear:left;\">Gjeld stift<span class=\"_ _1\"></span>et v<span class=\"_ _1\"></span>ed uts<span class=\"_ _1\"></span>tedelse a<span class=\"_ _2\"></span>v verdipapir<span class=\"_ _1\"></span>er<span class=\"_ _1f9\"> </span><span class=\"ls82 ws14b\">50<span class=\"_ _43\"> </span></span>0<span class=\"_ _20d\"> </span><span class=\"ls82 ws14b\">50</span></span><span style=\"display:inherit;clear:left;\">Pensjons<span class=\"_ _1\"></span>f<span class=\"_ _1\"></span>orpliktelser<span class=\"_ _2f1\"> </span>5<span class=\"_ _84\"> </span><span class=\"ls84 wsdf\">-2<span class=\"_ _10d\"> </span></span>3</span><span style=\"display:inherit;clear:left;\">A<span class=\"_ _1\"></span>vse<span class=\"_ _1\"></span>tning gar<span class=\"_ _1\"></span>an<span class=\"_ _1\"></span>tier<span class=\"_ _0\"></span>, ubenytte<span class=\"_ _1\"></span>t kr<span class=\"_ _1\"></span>editt o<span class=\"_ _1\"></span>g l\u00e5netilsagn<span class=\"_ _17b\"> </span>0<span class=\"_ _43\"> </span>0<span class=\"_ _43\"> </span>0</span><span style=\"display:inherit;clear:left;\">Betalbar ska<span class=\"_ _2\"></span>tt<span class=\"_ _2f8\"> </span>3<span class=\"_ _21e\"> </span>0<span class=\"_ _c8\"> </span>3</span><span style=\"display:inherit;clear:left;\">Ansv<span class=\"_ _1\"></span>arlig l\u00e5nekapital<span class=\"_ _1aa\"> </span><span class=\"ls83 wsdd\">25<span class=\"_ _43\"> </span></span>0<span class=\"_ _b6\"> </span><span class=\"ls83 wsdd\">25</span></span><span style=\"display:inherit;clear:left;\">Annen gjeld<span class=\"_ _31c\"> </span><span class=\"ls10 ws10\">61<span class=\"_ _a0\"> </span></span>15<span class=\"_ _116\"> </span><span class=\"ls4a ws9d\">76</span></span><span style=\"display:inherit;clear:left;\">Sum g<span class=\"_ _8\"></span>jeld<span class=\"_ _31d\"> </span><span class=\"ls92 wsee\">2 525<span class=\"_ _49\"> </span>14<span class=\"_ _78\"> </span><span class=\"ls0 ws0\">2 5<span class=\"_ _8\"></span>38</span></span></span><span style=\"display:inherit;clear:left;\">Hybridkapital<span class=\"_ _1a9\"> </span></span><span style=\"display:inherit;clear:left;\">20<span class=\"_ _43\"> </span><span class=\"ls0 ws0\">0<span class=\"_ _48\"> </span><span class=\"ls14 ws14\">20</span></span></span><span style=\"display:inherit;clear:left;\">Sum<span class=\"_ _31e\"> </span></span><span style=\"display:inherit;clear:left;\">2<span class=\"_ _8\"></span>74<span class=\"_ _64\"> </span><span class=\"ls15e ws210\">-7<span class=\"_ _15\"> </span><span class=\"ls11f ws1ca\">267</span></span></span><span style=\"display:inherit;clear:left;\">Virkeli<span class=\"_ _8\"></span>g verdi av veder<span class=\"_ _8\"></span>lag:</span><span style=\"display:inherit;clear:left;\">Utst<span class=\"_ _1\"></span>edelse a<span class=\"_ _1\"></span>v 2 39<span class=\"_ _1\"></span>8 146 eg<span class=\"_ _1\"></span>enkapitalbevis til k<span class=\"_ _1\"></span>urs 8<span class=\"_ _1\"></span>7<span class=\"_ _0\"></span>,80 kr<span class=\"_ _1\"></span>oner<span class=\"_ _1ae\"> </span>211</span><span style=\"display:inherit;clear:left;\">Kon<span class=\"_ _1\"></span>tan<span class=\"_ _1\"></span>tv<span class=\"_ _1\"></span>ederlag<span class=\"_ _31f\"> </span><span class=\"ls133 ws1e0\">54</span></span><span style=\"display:inherit;clear:left;\">Sum ve<span class=\"_ _8\"></span>derl<span class=\"_ _8\"></span>ag t<span class=\"_ _8\"></span>il vir<span class=\"_ _8\"></span>kelig ve<span class=\"_ _8\"></span>rdi pr<span class=\"_ _1\"></span>. 1/12-<span class=\"_ _2\"></span>20<span class=\"_ _8\"></span>22<span class=\"_ _320\"> </span><span class=\"ls122 ws1cc\">264</span></span><span style=\"display:inherit;clear:left;\">Negativ goodwill<span class=\"_ _321\"> </span><span class=\"ls0 ws0\">2</span></span><span style=\"display:inherit;clear:left;\">Dersom Spareban<span class=\"_ _1\"></span>ken V<span class=\"_ _2\"></span>est og E<span class=\"_ _1\"></span>tne Spar<span class=\"_ _1\"></span>ebank hadde<span class=\"_ _1\"></span> v\u00e6rt sammensl\u00e5<span class=\"_ _1\"></span>tt per 1. jan<span class=\"_ _1\"></span>uar 202<span class=\"_ _1\"></span>2, ville<span class=\"_ _1\"></span> resulta<span class=\"_ _1\"></span>tet<span class=\"_ _1\"></span> til Spar<span class=\"_ _1\"></span>ebanken<span class=\"_ _1\"></span> V<span class=\"_ _1\"></span>est </span><span style=\"display:inherit;clear:left;\">kons<span class=\"_ _8\"></span>ern bl<span class=\"_ _8\"></span>itt s<span class=\"_ _8\"></span>om f\u00f8l<span class=\"_ _8\"></span>ger for re<span class=\"_ _8\"></span>gns<span class=\"_ _8\"></span>kaps<span class=\"_ _8\"></span>\u00e5ret 202<span class=\"_ _8\"></span>2.</span><span style=\"display:inherit;clear:left;\">Net<span class=\"_ _1\"></span>to r<span class=\"_ _1\"></span>en<span class=\"_ _1\"></span>te- og kr<span class=\"_ _1\"></span>edit<span class=\"_ _1\"></span>tpr<span class=\"_ _1\"></span>ovisjonsinn<span class=\"_ _1\"></span>t<span class=\"_ _1\"></span>ekter<span class=\"_ _1b5\"> </span><span class=\"ls140 ws1ee\">5<span class=\"_ _a\"></span> 2<span class=\"_ _a\"></span>74</span></span><span style=\"display:inherit;clear:left;\">Net<span class=\"_ _1\"></span>to driftsinn<span class=\"_ _1\"></span>t<span class=\"_ _1\"></span>ekter<span class=\"_ _322\"> </span><span class=\"ls109 ws16b\">6 3<span class=\"_ _8\"></span>28</span></span><span style=\"display:inherit;clear:left;\">Re<span class=\"_ _8\"></span>sul<span class=\"_ _8\"></span>tat fo<span class=\"_ _8\"></span>r reg<span class=\"_ _8\"></span>nsk<span class=\"_ _8\"></span>ap<span class=\"_ _8\"></span>s\u00e5<span class=\"_ _8\"></span>ret<span class=\"_ _323\"> </span><span class=\"ls0 ws0\">3 550</span></span><span style=\"display:inherit;clear:left;\">Bergen, 31. de<span class=\"_ _8\"></span>sember 2023 / 21. februar 202<span class=\"_ _1\"></span>4 </span><span style=\"display:inherit;clear:left;\">Styr<span class=\"_ _1\"></span>et f<span class=\"_ _1\"></span>or Spar<span class=\"_ _1\"></span>ebanken<span class=\"_ _1\"></span> V<span class=\"_ _1\"></span>est</span><span style=\"display:inherit;clear:left;\">Arild Hug<span class=\"_ _8\"></span>leik B<span class=\"_ _8\"></span>\u00f8dal <span class=\"_ _b1\"> </span>Ma<span class=\"_ _8\"></span>gne M<span class=\"_ _8\"></span>orken <span class=\"_ _169\"> </span>Kirsti Lovise Slotsvik</span><span style=\"display:inherit;clear:left;\">Styrets leder <span class=\"_ _114\"> </span>S<span class=\"_ _1\"></span>tyrets nest<span class=\"_ _8\"></span>leder </span><span style=\"display:inherit;clear:left;\">Agnethe Brekk<span class=\"_ _1\"></span>e <span class=\"_ _6b\"> </span>Marianne Dorthea Jacobsen <span class=\"_ _5b\"> </span>Christine Sagen Helg\u00f8</span><span style=\"display:inherit;clear:left;\">Stig Standal T<span class=\"_ _2\"></span>aule <span class=\"_ _89\"> </span>K<span class=\"_ _8\"></span>ristin R\u00f8<span class=\"_ _1\"></span>yrbotten Axelsen <span class=\"_ _c0\"> </span>Henrik Mogens Gundersen</span><span style=\"display:inherit;clear:left;\">Gunnar Skeie <span class=\"_ _16c\"> </span> <span class=\"_ _16d\"> </span>Jan Erik Kjer<span class=\"_ _8\"></span>peseth</span><span style=\"display:inherit;clear:left;\"><span class=\"_ _d0\"> </span> <span class=\"_ _cc\"> </span> Konsernsjef</span>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfNotesAndOtherExplanatoryInformationExplanatory",
    "language": "no",
    "entity": "scheme:213800M7T3CYVZ3ZRT12",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "s10_notes__6__12": {
   "value": "Sparebanken Vest",
   "dimensions": {
    "concept": "ifrs-full:NameOfReportingEntityOrOtherMeansOfIdentification",
    "language": "no",
    "entity": "scheme:213800M7T3CYVZ3ZRT12",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "s10_notes__6__13": {
   "value": "bank",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfNatureOfEntitysOperationsAndPrincipalActivities",
    "language": "no",
    "entity": "scheme:213800M7T3CYVZ3ZRT12",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "s10_notes__6__14": {
   "value": "Sparebanken Vest",
   "dimensions": {
    "concept": "ifrs-full:NameOfParentEntity",
    "language": "no",
    "entity": "scheme:213800M7T3CYVZ3ZRT12",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "s10_notes__6__15": {
   "value": "Vestland",
   "dimensions": {
    "concept": "ifrs-full:PrincipalPlaceOfBusiness",
    "language": "no",
    "entity": "scheme:213800M7T3CYVZ3ZRT12",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "s10_notes__6__16": {
   "value": "Jonsvollsgaten 2, 5011 Bergen",
   "dimensions": {
    "concept": "ifrs-full:DomicileOfEntity",
    "language": "no",
    "entity": "scheme:213800M7T3CYVZ3ZRT12",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "s10_notes__6__17": {
   "value": "Sparebanken Vest konsern",
   "dimensions": {
    "concept": "ifrs-full:NameOfUltimateParentOfGroup",
    "language": "no",
    "entity": "scheme:213800M7T3CYVZ3ZRT12",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "s10_notes__6__18": {
   "value": "<span style=\"display:inherit;clear:left;\">K<span class=\"_ _1\"></span>ONSOLIDERINGSPRINSIPPER</span><span style=\"display:inherit;clear:left;\">Regnskapsprinsippene anv<span class=\"_ _1\"></span>endes k<span class=\"_ _1\"></span>onsist<span class=\"_ _1\"></span>ent v<span class=\"_ _1\"></span>ed innarbeiding a<span class=\"_ _1\"></span>v </span><span style=\"display:inherit;clear:left;\">eierint<span class=\"_ _1\"></span>er<span class=\"_ _1\"></span>esser i k<span class=\"_ _1\"></span>onsernselskaper og er basert p\u00e5 de samme </span><span style=\"display:inherit;clear:left;\">rapport<span class=\"_ _1\"></span>eringsperiodene som f<span class=\"_ _1\"></span>or morselskape<span class=\"_ _1\"></span>t. </span><span style=\"display:inherit;clear:left;\">Konsernin<span class=\"_ _1\"></span>terne tr<span class=\"_ _1\"></span>ansak<span class=\"_ _1\"></span>sjoner og konsernmellom<span class=\"_ _1\"></span>v<span class=\"_ _1\"></span>\u00e6r<span class=\"_ _1\"></span>ende, </span><span style=\"display:inherit;clear:left;\">inkludert int<span class=\"_ _1\"></span>ernf<span class=\"_ _1\"></span>ortjenes<span class=\"_ _1\"></span>te og ur<span class=\"_ _1\"></span>ealisert ge<span class=\"_ _1\"></span>vinst og tap<span class=\"_ _1\"></span>, </span><span style=\"display:inherit;clear:left;\">elimineres v<span class=\"_ _1\"></span>ed utarbeidelse a<span class=\"_ _2\"></span>v konsernregnskape<span class=\"_ _1\"></span>t.</span>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForSubsidiariesExplanatory",
    "language": "no",
    "entity": "scheme:213800M7T3CYVZ3ZRT12",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "s10_notes__6__19": {
   "value": "<span style=\"display:inherit;clear:left;\">V<span class=\"_ _2\"></span>ALUT<span class=\"_ _2\"></span>A</span><span style=\"display:inherit;clear:left;\">Konserne<span class=\"_ _1\"></span>ts pr<span class=\"_ _1\"></span>esen<span class=\"_ _1\"></span>tasjonsv<span class=\"_ _1\"></span>aluta er norsk<span class=\"_ _1\"></span>e kr<span class=\"_ _1\"></span>oner<span class=\"_ _0\"></span>. Dett<span class=\"_ _1\"></span>e er ogs\u00e5 </span><span style=\"display:inherit;clear:left;\">morselskape<span class=\"_ _1\"></span>t, da<span class=\"_ _1\"></span>tter<span class=\"_ _1\"></span>selskap og tilkn<span class=\"_ _1\"></span>ytt<span class=\"_ _1\"></span>ede selskap sin </span><span style=\"display:inherit;clear:left;\">funksjonelle v<span class=\"_ _1\"></span>aluta. </span><span style=\"display:inherit;clear:left;\">Bankens f<span class=\"_ _1\"></span>or<span class=\"_ _1\"></span>dringer og gjeld i ut<span class=\"_ _1\"></span>enlandsk v<span class=\"_ _1\"></span>aluta er i r<span class=\"_ _1\"></span>egnskape<span class=\"_ _1\"></span>t </span><span style=\"display:inherit;clear:left;\">omregne<span class=\"_ _1\"></span>t til kur<span class=\"_ _1\"></span>sen p\u00e5 balansedagen. V<span class=\"_ _2\"></span>alutapost<span class=\"_ _1\"></span>ene er </span><span style=\"display:inherit;clear:left;\">hov<span class=\"_ _1\"></span>edsak<span class=\"_ _1\"></span>elig sikr<span class=\"_ _1\"></span>et v<span class=\"_ _1\"></span>ed tils<span class=\"_ _1\"></span>v<span class=\"_ _1\"></span>ar<span class=\"_ _1\"></span>ende post<span class=\"_ _1\"></span>er p\u00e5 motsa<span class=\"_ _2\"></span>tt side av </span><span style=\"display:inherit;clear:left;\">balansen eller ved bruk a<span class=\"_ _2\"></span>v deriva<span class=\"_ _1\"></span>ter<span class=\"_ _0\"></span>.</span><span style=\"display:inherit;clear:left;\">Innt<span class=\"_ _1\"></span>ekter og k<span class=\"_ _1\"></span>ostna<span class=\"_ _1\"></span>der i v<span class=\"_ _1\"></span>aluta er omr<span class=\"_ _1\"></span>egnet til nor<span class=\"_ _1\"></span>ske kr<span class=\"_ _1\"></span>oner </span><span style=\"display:inherit;clear:left;\">et<span class=\"_ _1\"></span>ter k<span class=\"_ _1\"></span>ursen p\u00e5 tr<span class=\"_ _1\"></span>ansaksjonstidspunkt<span class=\"_ _1\"></span>e<span class=\"_ _1\"></span>t.</span>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForFunctionalCurrencyExplanatory",
    "language": "no",
    "entity": "scheme:213800M7T3CYVZ3ZRT12",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "s10_notes__6__20": {
   "value": "<span style=\"display:inherit;clear:left;\">F<span class=\"_ _1\"></span>ORPLIKTELSER<span class=\"ff4\">/</span>A<span class=\"_ _2\"></span>VSETNINGER</span><span style=\"display:inherit;clear:left;\">A<span class=\"_ _1\"></span>vse<span class=\"_ _1\"></span>tning f<span class=\"_ _1\"></span>or f<span class=\"_ _1\"></span>orpliktelser er f<span class=\"_ _1\"></span>or<span class=\"_ _1\"></span>e<span class=\"_ _1\"></span>ta<span class=\"_ _1\"></span>tt i sams<span class=\"_ _1\"></span>v<span class=\"_ _1\"></span>ar med IAS 3<span class=\"_ _2\"></span>7<span class=\"_ _2\"></span>. Kra<span class=\"_ _1\"></span>v </span><span style=\"display:inherit;clear:left;\">til a<span class=\"_ _1\"></span>vse<span class=\"_ _1\"></span>tning er a<span class=\"_ _1\"></span>t de<span class=\"_ _1\"></span>t eksist<span class=\"_ _1\"></span>er<span class=\"_ _1\"></span>er en f<span class=\"_ _1\"></span>orpliktelse som f<span class=\"_ _1\"></span>\u00f8lg<span class=\"_ _1\"></span>e a<span class=\"_ _1\"></span>v </span><span style=\"display:inherit;clear:left;\">tidliger<span class=\"_ _1\"></span>e hendelser<span class=\"_ _0\"></span>, og at de<span class=\"_ _1\"></span>t er sannsynlighe<span class=\"_ _1\"></span>tso<span class=\"_ _1\"></span>v<span class=\"_ _1\"></span>ervekt f<span class=\"_ _1\"></span>or a<span class=\"_ _1\"></span>t </span><span style=\"display:inherit;clear:left;\">forplikt<span class=\"_ _1\"></span>elsen vil k<span class=\"_ _1\"></span>omme til oppgj\u00f8r<span class=\"_ _2\"></span>. A<span class=\"_ _1\"></span>vse<span class=\"_ _1\"></span>tning<span class=\"_ _1\"></span>en er ber<span class=\"_ _1\"></span>egnet som </span><span style=\"display:inherit;clear:left;\">n\u00e5<span class=\"_ _1\"></span>ver<span class=\"_ _1\"></span>dien a<span class=\"_ _2\"></span>v forven<span class=\"_ _1\"></span>tede utbe<span class=\"_ _1\"></span>taling<span class=\"_ _1\"></span>er f<span class=\"_ _1\"></span>or \u00e5 innfri f<span class=\"_ _1\"></span>orplikt<span class=\"_ _1\"></span>elsen.</span>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForProvisionsExplanatory",
    "language": "no",
    "entity": "scheme:213800M7T3CYVZ3ZRT12",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "s10_notes__6__21-1": {
   "value": "<span style=\"display:inherit;clear:left;\">HENDELSER ETTER BALANSEDA<span class=\"_ _1\"></span>GEN</span><span style=\"display:inherit;clear:left;\">Det opply<span class=\"_ _1\"></span>ses om hendelser et<span class=\"_ _1\"></span>ter balanse<span class=\"_ _1\"></span>dagen i samsv<span class=\"_ _2\"></span>ar med </span><span style=\"display:inherit;clear:left;\">IAS 10<span class=\"_ _1\"></span>. Opplysning<span class=\"_ _1\"></span>ene omf<span class=\"_ _1\"></span>a<span class=\"_ _2\"></span>tter hendelser som ikke innr<span class=\"_ _1\"></span>egnes i </span><span style=\"display:inherit;clear:left;\">konserne<span class=\"_ _1\"></span>ts finansr<span class=\"_ _1\"></span>egnskap<span class=\"_ _1\"></span>, men som er a<span class=\"_ _1\"></span>v en slik art at de er </span><span style=\"display:inherit;clear:left;\">vesen<span class=\"_ _1\"></span>tlig<span class=\"_ _1\"></span>e f<span class=\"_ _1\"></span>or vurdering a<span class=\"_ _2\"></span>v virksomheten.</span><span style=\"display:inherit;clear:left;\">K<span class=\"_ _1\"></span>OMMENDE ENDRINGER TIL ST<span class=\"_ _0\"></span>ANDARDER OG </span><span style=\"display:inherit;clear:left;\">F<span class=\"_ _1\"></span>ORTOLKNINGER</span><span style=\"display:inherit;clear:left;\">Per 3<span class=\"_ _1\"></span>1. desember 2<span class=\"_ _1\"></span>02<span class=\"_ _1\"></span>3 er det r<span class=\"_ _1\"></span>ela<span class=\"_ _1\"></span>tivt f<span class=\"_ _1\"></span>\u00e5 kjen<span class=\"_ _1\"></span>t<span class=\"_ _1\"></span>e frem<span class=\"_ _1\"></span>tidig<span class=\"_ _1\"></span>e </span><span style=\"display:inherit;clear:left;\">endringer i r<span class=\"_ _1\"></span>egnskapsprinsipper som f<span class=\"_ _1\"></span>\u00e5r k<span class=\"_ _1\"></span>onsekvenser f<span class=\"_ _1\"></span>or </span><span style=\"display:inherit;clear:left;\">regnsk<span class=\"_ _1\"></span>apet til Spar<span class=\"_ _1\"></span>ebank<span class=\"_ _1\"></span>en V<span class=\"_ _2\"></span>est.  </span><span style=\"display:inherit;clear:left;\">Det er an<span class=\"_ _1\"></span>ta<span class=\"_ _1\"></span>t<span class=\"_ _1\"></span>t a<span class=\"_ _1\"></span>t kjen<span class=\"_ _1\"></span>te endring<span class=\"_ _1\"></span>er ikke vil gi noen ma<span class=\"_ _1\"></span>teriell e<span class=\"_ _1\"></span>ff<span class=\"_ _1\"></span>ekt </span><span style=\"display:inherit;clear:left;\">for r<span class=\"_ _1\"></span>egnsk<span class=\"_ _1\"></span>apet til Spar<span class=\"_ _1\"></span>ebank<span class=\"_ _1\"></span>en V<span class=\"_ _2\"></span>est.</span><span style=\"display:inherit;clear:left;\">No<span class=\"_ _1\"></span>te 2 R<span class=\"_ _1\"></span>egnska<span class=\"_ _1\"></span>psestimat<span class=\"_ _1\"></span>er og s<span class=\"_ _1\"></span>kj\u00f8nnsmessi<span class=\"_ _1\"></span>ge vurderinger</span><span style=\"display:inherit;clear:left;\">V<span class=\"_ _2\"></span>ed utarbeidelse av \u00e5rsr<span class=\"_ _1\"></span>egnskape<span class=\"_ _1\"></span>t i henhold til IFRS har </span><span style=\"display:inherit;clear:left;\">konserne<span class=\"_ _1\"></span>ts ledelse ben<span class=\"_ _1\"></span>ytt<span class=\"_ _1\"></span>et es<span class=\"_ _1\"></span>tima<span class=\"_ _1\"></span>ter og f<span class=\"_ _1\"></span>orutse<span class=\"_ _1\"></span>tning<span class=\"_ _1\"></span>er<span class=\"_ _0\"></span>, som </span><span style=\"display:inherit;clear:left;\">p\u00e5<span class=\"_ _1\"></span>virker r<span class=\"_ _1\"></span>egnskaps<span class=\"_ _1\"></span>f<span class=\"_ _1\"></span>\u00f8rt bel\u00f8p for eiendeler<span class=\"_ _0\"></span>, forplikt<span class=\"_ _1\"></span>elser<span class=\"_ _0\"></span>, </span><span style=\"display:inherit;clear:left;\">egenkapital og r<span class=\"_ _1\"></span>esulta<span class=\"_ _2\"></span>t<span class=\"_ _8\"></span>. Benyt<span class=\"_ _1\"></span>tede es<span class=\"_ _1\"></span>tima<span class=\"_ _1\"></span>ter er basert p\u00e5 bes<span class=\"_ _1\"></span>te </span><span style=\"display:inherit;clear:left;\">skj\u00f8nn og forut<span class=\"_ _1\"></span>setning<span class=\"_ _1\"></span>er som er vur<span class=\"_ _1\"></span>dert \u00e5 v\u00e6r<span class=\"_ _1\"></span>e r<span class=\"_ _1\"></span>ealis<span class=\"_ _1\"></span>tiske p\u00e5 </span><span style=\"display:inherit;clear:left;\">balansetidspunkt<span class=\"_ _1\"></span>et. Ny in<span class=\"_ _1\"></span>f<span class=\"_ _1\"></span>ormasjon og fr<span class=\"_ _1\"></span>emtidig<span class=\"_ _1\"></span>e hendelser kan </span><span style=\"display:inherit;clear:left;\">medf<span class=\"_ _1\"></span>\u00f8re v<span class=\"_ _1\"></span>esen<span class=\"_ _1\"></span>tlig endr<span class=\"_ _1\"></span>ede estima<span class=\"_ _2\"></span>ter med tilh\u00f8rende endring i </span><span style=\"display:inherit;clear:left;\">regnsk<span class=\"_ _1\"></span>apsf<span class=\"_ _1\"></span>\u00f8rte s<span class=\"_ _1\"></span>t\u00f8rr<span class=\"_ _1\"></span>elser<span class=\"_ _0\"></span>. Konserne<span class=\"_ _1\"></span>ts viktigst<span class=\"_ _1\"></span>e estima<span class=\"_ _1\"></span>t<span class=\"_ _1\"></span>er og </span><span style=\"display:inherit;clear:left;\">forut<span class=\"_ _1\"></span>setning<span class=\"_ _1\"></span>er er dr<span class=\"_ _1\"></span>\u00f8ft<span class=\"_ _1\"></span>e<span class=\"_ _1\"></span>t nedenf<span class=\"_ _1\"></span>or<span class=\"_ _0\"></span>. </span><span style=\"display:inherit;clear:left;\">T<span class=\"_ _2\"></span>ap p\u00e5 utl\u00e5n, uben<span class=\"_ _1\"></span>ytte<span class=\"_ _1\"></span>t kr<span class=\"_ _1\"></span>edit<span class=\"_ _1\"></span>t og gar<span class=\"_ _1\"></span>an<span class=\"_ _1\"></span>tier</span><span style=\"display:inherit;clear:left;\">Praktisering a<span class=\"_ _2\"></span>v bankens tapsmodell kre<span class=\"_ _1\"></span>v<span class=\"_ _1\"></span>er bruk a<span class=\"_ _1\"></span>v skj\u00f8nn p\u00e5 </span><span style=\"display:inherit;clear:left;\">flere niv<span class=\"_ _2\"></span>\u00e5<span class=\"_ _8\"></span>. F<span class=\"_ _2\"></span>or n\u00e6rmere beskrivelse a<span class=\"_ _2\"></span>v tapsmodellen og </span><span style=\"display:inherit;clear:left;\">estimeringsusikk<span class=\"_ _1\"></span>erhet vises til no<span class=\"_ _1\"></span>t<span class=\"_ _1\"></span>e 11 og 13. </span><span style=\"display:inherit;clear:left;\">De vesen<span class=\"_ _1\"></span>tligs<span class=\"_ _1\"></span>te elemen<span class=\"_ _1\"></span>tene som er underlagt s<span class=\"_ _1\"></span>t<span class=\"_ _1\"></span>or gra<span class=\"_ _1\"></span>d a<span class=\"_ _1\"></span>v </span><span style=\"display:inherit;clear:left;\">skj\u00f8nnsmessig vur<span class=\"_ _1\"></span>dering vil bli om<span class=\"_ _1\"></span>talt nedenf<span class=\"_ _1\"></span>or:</span><span style=\"display:inherit;clear:left;\">\u2022  <span class=\"_ _4\"></span>F<span class=\"_ _1\"></span>r<span class=\"_ _1\"></span>amtidsr<span class=\"_ _1\"></span>e<span class=\"_ _1\"></span>tt<span class=\"_ _1\"></span>e<span class=\"_ _1\"></span>t makroin<span class=\"_ _1\"></span>f<span class=\"_ _1\"></span>ormasjon i ulik<span class=\"_ _1\"></span>e scenarier kr<span class=\"_ _1\"></span>ev<span class=\"_ _1\"></span>er bruk </span><span style=\"display:inherit;clear:left;\">a<span class=\"_ _1\"></span>v skj\u00f8nn. Det legg<span class=\"_ _1\"></span>es imidlertid til grunn a<span class=\"_ _1\"></span>t denne skj\u00f8nns-</span><span style=\"display:inherit;clear:left;\">anv<span class=\"_ _1\"></span>endelsen skal v<span class=\"_ _1\"></span>\u00e6r<span class=\"_ _1\"></span>e konsis<span class=\"_ _1\"></span>t<span class=\"_ _1\"></span>ent med bank<span class=\"_ _1\"></span>ens \u00f8<span class=\"_ _1\"></span>vrige ag<span class=\"_ _1\"></span>ering i </span><span style=\"display:inherit;clear:left;\">forhold til makr<span class=\"_ _1\"></span>os<span class=\"_ _1\"></span>yn. F<span class=\"_ _2\"></span>or vurdering a<span class=\"_ _1\"></span>v makr<span class=\"_ _1\"></span>outsikt<span class=\"_ _1\"></span>er har banken </span><span style=\"display:inherit;clear:left;\">ta<span class=\"_ _1\"></span>tt utgangspunkt i P<span class=\"_ _1\"></span>eng<span class=\"_ _1\"></span>epolitisk r<span class=\"_ _1\"></span>apport fra Nor<span class=\"_ _1\"></span>g<span class=\"_ _1\"></span>es Bank. </span><span style=\"display:inherit;clear:left;\">\u2022  <span class=\"_ _4\"></span>Videre kr<span class=\"_ _1\"></span>ev<span class=\"_ _1\"></span>er de<span class=\"_ _1\"></span>t utstr<span class=\"_ _1\"></span>akt bruk a<span class=\"_ _1\"></span>v skj\u00f8nn f<span class=\"_ _1\"></span>or \u00e5 tr<span class=\"_ _1\"></span>ans<span class=\"_ _1\"></span>former<span class=\"_ _1\"></span>e e<span class=\"_ _1\"></span>t </span><span style=\"display:inherit;clear:left;\">makros<span class=\"_ _1\"></span>yn til br<span class=\"_ _1\"></span>ansjenes PD-baner og pan<span class=\"_ _1\"></span>te<span class=\"_ _1\"></span>ver<span class=\"_ _1\"></span>dier<span class=\"_ _0\"></span>.</span><span style=\"display:inherit;clear:left;\">\u2022  <span class=\"_ _4\"></span>Identifikasjon a<span class=\"_ _1\"></span>v engasjemen<span class=\"_ _1\"></span>t til w<span class=\"_ _1\"></span>a<span class=\"_ _1\"></span>tchlis<span class=\"_ _1\"></span>t med p\u00e5<span class=\"_ _1\"></span>f<span class=\"_ _1\"></span>\u00f8lgende </span><span style=\"display:inherit;clear:left;\">ov<span class=\"_ _1\"></span>ers<span class=\"_ _1\"></span>tyring a<span class=\"_ _1\"></span>v aut<span class=\"_ _1\"></span>oma<span class=\"_ _1\"></span>tiske modellber<span class=\"_ _1\"></span>egning<span class=\"_ _1\"></span>er er ogs\u00e5 en </span><span style=\"display:inherit;clear:left;\">skj\u00f8nnsbasert proses<span class=\"_ _1\"></span>s. </span><span style=\"display:inherit;clear:left;\">\u2022  <span class=\"_ _4\"></span>Individuelle tapsvurdering<span class=\"_ _1\"></span>er blir gjort for eng<span class=\"_ _1\"></span>asjement h<span class=\"_ _1\"></span>v<span class=\"_ _1\"></span>or det </span><span style=\"display:inherit;clear:left;\">for<span class=\"_ _1\"></span>eligg<span class=\"_ _1\"></span>er objektiv<span class=\"_ _1\"></span>e indikasjoner p\u00e5 a<span class=\"_ _1\"></span>t de<span class=\"_ _1\"></span>t har inntruf<span class=\"_ _1\"></span>fe<span class=\"_ _1\"></span>t en eller </span><span style=\"display:inherit;clear:left;\">flere hendelser siden f<span class=\"_ _1\"></span>\u00f8r<span class=\"_ _1\"></span>st<span class=\"_ _1\"></span>egangsinnr<span class=\"_ _1\"></span>egning a<span class=\"_ _1\"></span>v eiendelen, og </span><span style=\"display:inherit;clear:left;\">som forv<span class=\"_ _1\"></span>en<span class=\"_ _1\"></span>tes \u00e5 inneb\u00e6r<span class=\"_ _1\"></span>e en risik<span class=\"_ _1\"></span>o f<span class=\"_ _1\"></span>or re<span class=\"_ _1\"></span>dusert betjeningsevne. </span><span style=\"display:inherit;clear:left;\">I disse tilf<span class=\"_ _1\"></span>ellene vil de<span class=\"_ _1\"></span>t bli anv<span class=\"_ _1\"></span>endt skj\u00f8nn b\u00e5de i vur<span class=\"_ _1\"></span>dering a<span class=\"_ _1\"></span>v </span><span style=\"display:inherit;clear:left;\">objektive hendelser<span class=\"_ _1\"></span>s p\u00e5<span class=\"_ _1\"></span>virkning a<span class=\"_ _1\"></span>v betjeningse<span class=\"_ _1\"></span>vne og </span><span style=\"display:inherit;clear:left;\">estimering a<span class=\"_ _1\"></span>v po<span class=\"_ _1\"></span>tensiell taps<span class=\"_ _1\"></span>st<span class=\"_ _1\"></span>\u00f8rr<span class=\"_ _1\"></span>else.</span><span style=\"display:inherit;clear:left;\">Nedskrivningsbel\u00f8p f<span class=\"_ _1\"></span>astse<span class=\"_ _1\"></span>tt<span class=\"_ _1\"></span>es ut fr<span class=\"_ _1\"></span>a en vur<span class=\"_ _1\"></span>dering a<span class=\"_ _1\"></span>v f<span class=\"_ _1\"></span>orskjellen </span><span style=\"display:inherit;clear:left;\">mellom balansef<span class=\"_ _1\"></span>\u00f8rt v<span class=\"_ _1\"></span>er<span class=\"_ _1\"></span>di (hov<span class=\"_ _1\"></span>eds<span class=\"_ _1\"></span>tol + p\u00e5l\u00f8p<span class=\"_ _1\"></span>te r<span class=\"_ _1\"></span>en<span class=\"_ _1\"></span>t<span class=\"_ _1\"></span>er p\u00e5 </span><span style=\"display:inherit;clear:left;\">vurderings<span class=\"_ _1\"></span>tidspunkte<span class=\"_ _1\"></span>t) og n\u00e5<span class=\"_ _1\"></span>v<span class=\"_ _1\"></span>er<span class=\"_ _1\"></span>dien a<span class=\"_ _1\"></span>v fr<span class=\"_ _1\"></span>em<span class=\"_ _1\"></span>tidige k<span class=\"_ _1\"></span>ont<span class=\"_ _1\"></span>ant<span class=\"_ _1\"></span>-</span><span style=\"display:inherit;clear:left;\">str<span class=\"_ _1\"></span>\u00f8mmer<span class=\"_ _0\"></span>, neddiskont<span class=\"_ _1\"></span>ert med ef<span class=\"_ _1\"></span>fektiv r<span class=\"_ _1\"></span>en<span class=\"_ _1\"></span>t<span class=\"_ _1\"></span>e ov<span class=\"_ _1\"></span>er l\u00e5ne<span class=\"_ _1\"></span>ts </span><span style=\"display:inherit;clear:left;\">forv<span class=\"_ _1\"></span>en<span class=\"_ _1\"></span>tede le<span class=\"_ _1\"></span>v<span class=\"_ _1\"></span>etid.</span><span style=\"display:inherit;clear:left;\">V<span class=\"_ _2\"></span>ed estimering av nedskriving p\u00e5 enk<span class=\"_ _1\"></span>eltkunder vur<span class=\"_ _1\"></span>der<span class=\"_ _1\"></span>es b\u00e5de </span><span style=\"display:inherit;clear:left;\">aktuell og forv<span class=\"_ _1\"></span>en<span class=\"_ _1\"></span>te<span class=\"_ _1\"></span>t fr<span class=\"_ _1\"></span>em<span class=\"_ _1\"></span>tidig finansiell stilling. F<span class=\"_ _2\"></span>or engasjement </span><span style=\"display:inherit;clear:left;\">i bedriftsmarkede<span class=\"_ _1\"></span>t vur<span class=\"_ _1\"></span>der<span class=\"_ _1\"></span>es ogs\u00e5 markeds<span class=\"_ _1\"></span>situasjonen f<span class=\"_ _1\"></span>or </span><span style=\"display:inherit;clear:left;\">kunden, markeds<span class=\"_ _1\"></span>f<span class=\"_ _1\"></span>orholdene innen<span class=\"_ _1\"></span>f<span class=\"_ _1\"></span>or aktuell bransje og g<span class=\"_ _1\"></span>ener<span class=\"_ _1\"></span>elle </span><span style=\"display:inherit;clear:left;\">markeds<span class=\"_ _1\"></span>f<span class=\"_ _1\"></span>orhold a<span class=\"_ _1\"></span>v bety<span class=\"_ _1\"></span>dning f<span class=\"_ _1\"></span>or engasjemen<span class=\"_ _1\"></span>t<span class=\"_ _1\"></span>et. Vider<span class=\"_ _1\"></span>e </span><span style=\"display:inherit;clear:left;\">vurder<span class=\"_ _1\"></span>es mulighe<span class=\"_ _1\"></span>t<span class=\"_ _1\"></span>ene for r<span class=\"_ _1\"></span>es<span class=\"_ _1\"></span>truktur<span class=\"_ _1\"></span>ering, re<span class=\"_ _1\"></span>finansiering og </span><span style=\"display:inherit;clear:left;\">rek<span class=\"_ _1\"></span>apitalisering. </span><span style=\"display:inherit;clear:left;\">Samlet vur<span class=\"_ _1\"></span>dering a<span class=\"_ _1\"></span>v dis<span class=\"_ _1\"></span>se forholdene legg<span class=\"_ _1\"></span>es til grunn f<span class=\"_ _1\"></span>or </span><span style=\"display:inherit;clear:left;\">estimering a<span class=\"_ _1\"></span>v fr<span class=\"_ _1\"></span>em<span class=\"_ _1\"></span>tidig kon<span class=\"_ _1\"></span>tan<span class=\"_ _1\"></span>ts<span class=\"_ _1\"></span>tr\u00f8m. Ne<span class=\"_ _1\"></span>ddiskon<span class=\"_ _1\"></span>terings<span class=\"_ _1\"></span>-</span><span style=\"display:inherit;clear:left;\">perioden estimer<span class=\"_ _1\"></span>es individuelt eller basert p\u00e5 erf<span class=\"_ _1\"></span>aringsda<span class=\"_ _1\"></span>ta om </span><span style=\"display:inherit;clear:left;\">perioden fram til en l\u00f8sning p\u00e5 de f<span class=\"_ _1\"></span>orhold som har f<span class=\"_ _1\"></span>or<span class=\"_ _1\"></span>\u00e5rsak<span class=\"_ _1\"></span>e<span class=\"_ _1\"></span>t a<span class=\"_ _1\"></span>t </span><span style=\"display:inherit;clear:left;\">engasjemen<span class=\"_ _1\"></span>te<span class=\"_ _1\"></span>t er utsa<span class=\"_ _1\"></span>tt f<span class=\"_ _1\"></span>or v<span class=\"_ _1\"></span>er<span class=\"_ _1\"></span>dif<span class=\"_ _1\"></span>all.</span><span style=\"display:inherit;clear:left;\">Estimering a<span class=\"_ _1\"></span>v fr<span class=\"_ _1\"></span>em<span class=\"_ _1\"></span>tidige k<span class=\"_ _1\"></span>on<span class=\"_ _1\"></span>tant<span class=\"_ _1\"></span>str<span class=\"_ _1\"></span>\u00f8mmer baser<span class=\"_ _1\"></span>es p\u00e5 erf<span class=\"_ _1\"></span>arings-</span><span style=\"display:inherit;clear:left;\">ma<span class=\"_ _1\"></span>teriale, t<span class=\"_ _1\"></span>olkning a<span class=\"_ _1\"></span>v tilgjengelig in<span class=\"_ _1\"></span>f<span class=\"_ _1\"></span>ormasjon sam<span class=\"_ _1\"></span>t utstr<span class=\"_ _1\"></span>akt bruk </span><span style=\"display:inherit;clear:left;\">a<span class=\"_ _1\"></span>v skj\u00f8nn, bla. i fram<span class=\"_ _1\"></span>tidsr<span class=\"_ _1\"></span>et<span class=\"_ _1\"></span>te<span class=\"_ _1\"></span>t makr<span class=\"_ _1\"></span>oin<span class=\"_ _1\"></span>f<span class=\"_ _1\"></span>ormasjon i ulike </span><span style=\"display:inherit;clear:left;\">scenarier<span class=\"_ _0\"></span>, \u00abover<span class=\"_ _1\"></span>set<span class=\"_ _1\"></span>ting\u00bb a<span class=\"_ _1\"></span>v makr<span class=\"_ _1\"></span>osyn til br<span class=\"_ _1\"></span>ansjenes PD-baner og </span><span style=\"display:inherit;clear:left;\">pant<span class=\"_ _1\"></span>ev<span class=\"_ _1\"></span>er<span class=\"_ _1\"></span>dier sam<span class=\"_ _1\"></span>t de mer skj\u00f8nnsmessig<span class=\"_ _1\"></span>e vurdering<span class=\"_ _1\"></span>ene som </span><span style=\"display:inherit;clear:left;\">ligger bak s<span class=\"_ _1\"></span>tegklassifisering<span class=\"_ _1\"></span>ene. Tilsv<span class=\"_ _2\"></span>arende blir det v<span class=\"_ _1\"></span>ed </span><span style=\"display:inherit;clear:left;\">individuelle vurdering<span class=\"_ _1\"></span>er anv<span class=\"_ _1\"></span>endt skj\u00f8nn b\u00e5<span class=\"_ _1\"></span>de i vurdering a<span class=\"_ _2\"></span>v </span><span style=\"display:inherit;clear:left;\">betjeningse<span class=\"_ _1\"></span>vne og estimering a<span class=\"_ _2\"></span>v potensiell tapss<span class=\"_ _1\"></span>t\u00f8rr<span class=\"_ _1\"></span>else. </span><span style=\"display:inherit;clear:left;\">Ovenne<span class=\"_ _1\"></span>vn<span class=\"_ _1\"></span>te skj\u00f8nnsut<span class=\"_ _1\"></span>\u00f8v<span class=\"_ _1\"></span>else har v<span class=\"_ _1\"></span>\u00e6rt spesielt utf<span class=\"_ _1\"></span>or<span class=\"_ _1\"></span>dr<span class=\"_ _1\"></span>ende i en </span><span style=\"display:inherit;clear:left;\">situasjon hv<span class=\"_ _1\"></span>or de \u00f8konomisk<span class=\"_ _1\"></span>e r<span class=\"_ _1\"></span>ammebe<span class=\"_ _1\"></span>tingelser er usikr<span class=\"_ _1\"></span>e, </span><span style=\"display:inherit;clear:left;\">herunder eff<span class=\"_ _1\"></span>ekt a<span class=\"_ _1\"></span>v r<span class=\"_ _1\"></span>en<span class=\"_ _1\"></span>t<span class=\"_ _1\"></span>e\u00f8kninger<span class=\"_ _0\"></span>, h\u00f8y priss<span class=\"_ _1\"></span>tigning og </span><span style=\"display:inherit;clear:left;\">energi priser<span class=\"_ _0\"></span>. </span><span style=\"display:inherit;clear:left;\">Gjennomf<span class=\"_ _1\"></span>\u00f8ring a<span class=\"_ _1\"></span>v bank<span class=\"_ _1\"></span>ens tapsvur<span class=\"_ _1\"></span>dering<span class=\"_ _1\"></span>er vil v<span class=\"_ _1\"></span>\u00e6r<span class=\"_ _1\"></span>e et r<span class=\"_ _1\"></span>esulta<span class=\"_ _1\"></span>t </span><span style=\"display:inherit;clear:left;\">a<span class=\"_ _1\"></span>v en pr<span class=\"_ _1\"></span>osess som inv<span class=\"_ _1\"></span>olv<span class=\"_ _1\"></span>er<span class=\"_ _1\"></span>er f<span class=\"_ _1\"></span>orr<span class=\"_ _1\"></span>etningsomr<span class=\"_ _1\"></span>\u00e5dene, sen<span class=\"_ _1\"></span>tr<span class=\"_ _1\"></span>ale </span><span style=\"display:inherit;clear:left;\">kredit<span class=\"_ _1\"></span>tmilj\u00f8er og andr<span class=\"_ _1\"></span>e f<span class=\"_ _1\"></span>agmilj\u00f8er<span class=\"_ _0\"></span>. </span><span style=\"display:inherit;clear:left;\">I banken er de<span class=\"_ _1\"></span>t hyppig gjennomg<span class=\"_ _1\"></span>ang a<span class=\"_ _1\"></span>v risikoutsa<span class=\"_ _2\"></span>tte engasje-</span><span style=\"display:inherit;clear:left;\">ment (\u00abw<span class=\"_ _1\"></span>a<span class=\"_ _1\"></span>t<span class=\"_ _1\"></span>chlist\u00bb), minimum kv<span class=\"_ _1\"></span>artalsvis. Gjennomg<span class=\"_ _1\"></span>angen har </span><span style=\"display:inherit;clear:left;\">s\u00e6rskilt f<span class=\"_ _1\"></span>okus p\u00e5 utsa<span class=\"_ _1\"></span>t<span class=\"_ _1\"></span>te br<span class=\"_ _1\"></span>ansjer<span class=\"_ _0\"></span>. Gjennomgangen inneb\u00e6r<span class=\"_ _1\"></span>er </span><span style=\"display:inherit;clear:left;\">aktiv oppf<span class=\"_ _1\"></span>\u00f8lging a<span class=\"_ _1\"></span>v kunden f<span class=\"_ _1\"></span>or \u00e5 kartlegge likvidit<span class=\"_ _1\"></span>e<span class=\"_ _1\"></span>t, ordr<span class=\"_ _1\"></span>e-</span><span style=\"display:inherit;clear:left;\">situasjon og betjeningse<span class=\"_ _1\"></span>vne. </span><span style=\"display:inherit;clear:left;\">Klimarisik<span class=\"_ _1\"></span>o</span><span style=\"display:inherit;clear:left;\">Klimarisiko gjelder usikk<span class=\"_ _1\"></span>erhet<span class=\"_ _1\"></span>en v<span class=\"_ _1\"></span>ed fysiske endring<span class=\"_ _1\"></span>er i klimae<span class=\"_ _1\"></span>t </span><span style=\"display:inherit;clear:left;\">(fysisk risiko) og endring<span class=\"_ _1\"></span>ene som f<span class=\"_ _1\"></span>\u00f8lger a<span class=\"_ _1\"></span>v tiltak og t<span class=\"_ _1\"></span>eknologi-</span><span style=\"display:inherit;clear:left;\">utvikling for \u00e5 begr<span class=\"_ _1\"></span>ense klima<span class=\"_ _1\"></span>endringene (o<span class=\"_ _1\"></span>v<span class=\"_ _1\"></span>er<span class=\"_ _1\"></span>gangsrisiko).</span><span style=\"display:inherit;clear:left;\">Str<span class=\"_ _1\"></span>andede eiendeler de<span class=\"_ _1\"></span>finer<span class=\"_ _1\"></span>es som eiendeler som har v<span class=\"_ _1\"></span>\u00e6rt </span><span style=\"display:inherit;clear:left;\">utsa<span class=\"_ _1\"></span>tt f<span class=\"_ _1\"></span>or uf<span class=\"_ _1\"></span>orutse<span class=\"_ _1\"></span>tt<span class=\"_ _1\"></span>e eller f<span class=\"_ _1\"></span>or tidlige r<span class=\"_ _1\"></span>eduksjoner i v<span class=\"_ _1\"></span>er<span class=\"_ _1\"></span>di. </span><span style=\"display:inherit;clear:left;\">V<span class=\"_ _2\"></span>erdifalle<span class=\"_ _1\"></span>t skyldes endring<span class=\"_ _1\"></span>er i eks<span class=\"_ _1\"></span>terne r<span class=\"_ _1\"></span>ammebe<span class=\"_ _1\"></span>tingelser<span class=\"_ _0\"></span>, som </span><span style=\"display:inherit;clear:left;\">endringer i t<span class=\"_ _1\"></span>eknologi, reg<span class=\"_ _1\"></span>elverk, a<span class=\"_ _1\"></span>tf<span class=\"_ _1\"></span>er<span class=\"_ _1\"></span>d eller markeder<span class=\"_ _0\"></span>. V<span class=\"_ _1\"></span>ed \u00f8kt </span><span style=\"display:inherit;clear:left;\">eksponering mo<span class=\"_ _1\"></span>t klimarisiko \u00f8k<span class=\"_ _1\"></span>er ogs\u00e5 risiko f<span class=\"_ _1\"></span>or s<span class=\"_ _1\"></span>tr<span class=\"_ _1\"></span>andede </span><span style=\"display:inherit;clear:left;\">eiendeler<span class=\"_ _2\"></span>.</span><span style=\"display:inherit;clear:left;\">Banken har vur<span class=\"_ _1\"></span>dert str<span class=\"_ _1\"></span>andede eiendeler innen br<span class=\"_ _1\"></span>ansjer som </span><span style=\"display:inherit;clear:left;\">kv<span class=\"_ _1\"></span>alifiserer f<span class=\"_ _1\"></span>or EUs tak<span class=\"_ _1\"></span>sonomi og kartlagt hvilk<span class=\"_ _1\"></span>e engasjemen<span class=\"_ _1\"></span>t </span><span style=\"display:inherit;clear:left;\">innenf<span class=\"_ _1\"></span>or dis<span class=\"_ _1\"></span>se bransjene som diskv<span class=\"_ _2\"></span>alifiserer i henhold til teknisk<span class=\"_ _1\"></span>e </span><span style=\"display:inherit;clear:left;\">screeningkrit<span class=\"_ _1\"></span>erier kn<span class=\"_ _1\"></span>ytt<span class=\"_ _1\"></span>et til milj\u00f8m\u00e5l og ikk<span class=\"_ _1\"></span>e-utgj\u00f8r<span class=\"_ _1\"></span>-v<span class=\"_ _1\"></span>esen<span class=\"_ _1\"></span>tlig<span class=\"_ _1\"></span>-</span><span style=\"display:inherit;clear:left;\">skade-aspekt<span class=\"_ _1\"></span>ene. Denne kartleggingen viser a<span class=\"_ _1\"></span>t banken har </span><span style=\"display:inherit;clear:left;\">enkelt<span class=\"_ _1\"></span>e engasjemen<span class=\"_ _1\"></span>t innen shipping som er knyt<span class=\"_ _1\"></span>te<span class=\"_ _1\"></span>t til fr<span class=\"_ _1\"></span>akt a<span class=\"_ _1\"></span>v </span><span style=\"display:inherit;clear:left;\">fos<span class=\"_ _1\"></span>sile drivs<span class=\"_ _1\"></span>to<span class=\"_ _1\"></span>ff og som derf<span class=\"_ _1\"></span>or diskv<span class=\"_ _1\"></span>alifiser<span class=\"_ _1\"></span>er i henhold til EUs </span><span style=\"display:inherit;clear:left;\">taksonomi. Banken f<span class=\"_ _2\"></span>\u00f8lger tet<span class=\"_ _1\"></span>t utviklingen p\u00e5 denne delen a<span class=\"_ _2\"></span>v </span><span style=\"display:inherit;clear:left;\">portef<span class=\"_ _1\"></span>\u00f8ljen, s\u00e6rlig eng<span class=\"_ _1\"></span>asjement ut<span class=\"_ _1\"></span>en alterna<span class=\"_ _2\"></span>tiv anvendelse, da </span><span style=\"display:inherit;clear:left;\">banken anser risik<span class=\"_ _1\"></span>o f<span class=\"_ _1\"></span>or str<span class=\"_ _1\"></span>andede eiendeler \u00f8k<span class=\"_ _1\"></span>ende fr<span class=\"_ _1\"></span>emov<span class=\"_ _1\"></span>er<span class=\"_ _0\"></span>. </span><span style=\"display:inherit;clear:left;\">Banken har vur<span class=\"_ _1\"></span>dert a<span class=\"_ _1\"></span>t pan<span class=\"_ _1\"></span>teobjekt<span class=\"_ _1\"></span>enes v<span class=\"_ _1\"></span>erdier kn<span class=\"_ _1\"></span>ytt<span class=\"_ _1\"></span>e<span class=\"_ _1\"></span>t til disse </span><span style=\"display:inherit;clear:left;\">engasjemen<span class=\"_ _1\"></span>t har en st<span class=\"_ _1\"></span>\u00f8rre risik<span class=\"_ _1\"></span>o f<span class=\"_ _1\"></span>or \u00e5 r<span class=\"_ _1\"></span>eduser<span class=\"_ _1\"></span>es, men banken har</span><span style=\"display:inherit;clear:left;\">videre vur<span class=\"_ _1\"></span>dert a<span class=\"_ _1\"></span>t v<span class=\"_ _1\"></span>er<span class=\"_ _1\"></span>diene ikke vil r<span class=\"_ _1\"></span>eduser<span class=\"_ _1\"></span>es f<span class=\"_ _1\"></span>\u00f8r opprinnelig pr<span class=\"_ _1\"></span>o<span class=\"_ _1\"></span>fil </span><span style=\"display:inherit;clear:left;\">er endt. Det er inn<span class=\"_ _1\"></span>f<span class=\"_ _1\"></span>\u00f8rt policy<span class=\"_ _1\"></span>-kr<span class=\"_ _1\"></span>a<span class=\"_ _1\"></span>v som skal sikr<span class=\"_ _1\"></span>e en str<span class=\"_ _1\"></span>ammer<span class=\"_ _1\"></span>e </span><span style=\"display:inherit;clear:left;\">nedbetalingsplan f<span class=\"_ _1\"></span>or denne type eng<span class=\"_ _1\"></span>asjement. Vider<span class=\"_ _1\"></span>e f<span class=\"_ _1\"></span>\u00f8lges </span><span style=\"display:inherit;clear:left;\">denne andelen opp og rapport<span class=\"_ _1\"></span>er<span class=\"_ _1\"></span>es til Styr<span class=\"_ _1\"></span>e<span class=\"_ _1\"></span>t minst halv<span class=\"_ _1\"></span>\u00e5rlig. P<span class=\"_ _1\"></span>er </span><span style=\"display:inherit;clear:left;\">desember 20<span class=\"_ _1\"></span>23 utgj\u00f8r denne andelen 10 % a<span class=\"_ _2\"></span>v shipping-</span><span style=\"display:inherit;clear:left;\">portef<span class=\"_ _1\"></span>\u00f8ljen, eller under 1,3 % a<span class=\"_ _2\"></span>v totalt v<span class=\"_ _1\"></span>olum p\u00e5 bedriftsmarke<span class=\"_ _1\"></span>d. </span><span style=\"display:inherit;clear:left;\">Banken har ogs\u00e5 ty<span class=\"_ _1\"></span>delig<span class=\"_ _1\"></span>e styringsm\u00e5l p\u00e5 andel a<span class=\"_ _1\"></span>v denne type </span><span style=\"display:inherit;clear:left;\">eksponering fr<span class=\"_ _1\"></span>em mot 2<span class=\"_ _1\"></span>0<span class=\"_ _1\"></span>30 og 2<span class=\"_ _1\"></span>035<span class=\"_ _1\"></span>. De<span class=\"_ _1\"></span>tt<span class=\"_ _1\"></span>e er vur<span class=\"_ _1\"></span>dert \u00e5 </span><span style=\"display:inherit;clear:left;\">reduser<span class=\"_ _1\"></span>e risik<span class=\"_ _1\"></span>o i porte<span class=\"_ _1\"></span>f<span class=\"_ _1\"></span>\u00f8ljen betr<span class=\"_ _1\"></span>akt<span class=\"_ _1\"></span>elig. </span><span style=\"display:inherit;clear:left;\">Det er ogs\u00e5 vur<span class=\"_ _1\"></span>dert po<span class=\"_ _1\"></span>tensielle s<span class=\"_ _1\"></span>tr<span class=\"_ _1\"></span>andede eiendeler i boligl\u00e5ns-</span><span style=\"display:inherit;clear:left;\">portef<span class=\"_ _1\"></span>\u00f8ljen h<span class=\"_ _1\"></span>v<span class=\"_ _1\"></span>or banken har vur<span class=\"_ _1\"></span>dert o<span class=\"_ _1\"></span>ver<span class=\"_ _1\"></span>gangsrisik<span class=\"_ _1\"></span>o og fysisk </span><span style=\"display:inherit;clear:left;\">risiko f<span class=\"_ _1\"></span>or den fysisk<span class=\"_ _1\"></span>e plassering<span class=\"_ _1\"></span>en a<span class=\"_ _1\"></span>v pant<span class=\"_ _1\"></span>eobjektene, herunder </span><span style=\"display:inherit;clear:left;\">flom, skred o<span class=\"_ _1\"></span>g sn\u00f8skred. K<span class=\"_ _1\"></span>onklusjonen er a<span class=\"_ _1\"></span>t selv om en del a<span class=\"_ _1\"></span>v </span><span style=\"display:inherit;clear:left;\">portef<span class=\"_ _1\"></span>\u00f8ljen er utsa<span class=\"_ _2\"></span>tt for fysisk klimarisik<span class=\"_ _1\"></span>o, er de<span class=\"_ _1\"></span>t<span class=\"_ _1\"></span>te f<span class=\"_ _1\"></span>\u00f8rs<span class=\"_ _1\"></span>t og </span><span style=\"display:inherit;clear:left;\">frems<span class=\"_ _1\"></span>t r<span class=\"_ _1\"></span>ela<span class=\"_ _1\"></span>tert til f<span class=\"_ _1\"></span>orsikringsrisik<span class=\"_ _1\"></span>o<span class=\"_ _1\"></span>, da boligene er f<span class=\"_ _1\"></span>orsikr<span class=\"_ _1\"></span>e<span class=\"_ _1\"></span>t og </span><span style=\"display:inherit;clear:left;\">inng\u00e5r i f<span class=\"_ _1\"></span>orsikringsselsk<span class=\"_ _1\"></span>apenes na<span class=\"_ _1\"></span>turskadepool. Bank<span class=\"_ _1\"></span>en f<span class=\"_ _1\"></span>\u00f8lger </span><span style=\"display:inherit;clear:left;\">opp ov<span class=\"_ _1\"></span>er<span class=\"_ _1\"></span>gangsrisik<span class=\"_ _1\"></span>o i boligl\u00e5nsporte<span class=\"_ _1\"></span>f<span class=\"_ _1\"></span>\u00f8ljen og rapport<span class=\"_ _1\"></span>er<span class=\"_ _1\"></span>er til </span><span style=\"display:inherit;clear:left;\">ledelsen p\u00e5 det<span class=\"_ _1\"></span>te h<span class=\"_ _1\"></span>v<span class=\"_ _1\"></span>er m\u00e5ned, samt til S<span class=\"_ _1\"></span>tyr<span class=\"_ _1\"></span>et kv<span class=\"_ _2\"></span>ar<span class=\"_ _8\"></span>talsvis. Bank<span class=\"_ _1\"></span>en </span><span style=\"display:inherit;clear:left;\">har iverk<span class=\"_ _1\"></span>sa<span class=\"_ _1\"></span>tt tiltak f<span class=\"_ _1\"></span>or \u00e5 r<span class=\"_ _1\"></span>eduser<span class=\"_ _1\"></span>e o<span class=\"_ _1\"></span>v<span class=\"_ _1\"></span>erg<span class=\"_ _1\"></span>angsrisiko i porte<span class=\"_ _1\"></span>f<span class=\"_ _1\"></span>\u00f8ljen, </span><span style=\"display:inherit;clear:left;\">ved hjelp a<span class=\"_ _2\"></span>v gr\u00f8nne oppgr<span class=\"_ _1\"></span>aderingsl\u00e5n og ener<span class=\"_ _1\"></span>gil\u00e5n. Tilsv<span class=\"_ _1\"></span>arende </span><span style=\"display:inherit;clear:left;\">er gjort i bedriftsmarkedsporte<span class=\"_ _1\"></span>f<span class=\"_ _1\"></span>\u00f8ljen, v<span class=\"_ _1\"></span>ed bruk a<span class=\"_ _1\"></span>v b\u00e6r<span class=\"_ _1\"></span>ekr<span class=\"_ _1\"></span>a<span class=\"_ _1\"></span>fts-</span><span style=\"display:inherit;clear:left;\">linkede l\u00e5n.</span><span style=\"display:inherit;clear:left;\">Banken har<span class=\"_ _0\"></span>, som f\u00f8lg<span class=\"_ _1\"></span>e a<span class=\"_ _1\"></span>v ov<span class=\"_ _1\"></span>ens<span class=\"_ _1\"></span>t\u00e5ende, vur<span class=\"_ _1\"></span>dert a<span class=\"_ _1\"></span>t de<span class=\"_ _1\"></span>t ikke er </span><span style=\"display:inherit;clear:left;\">behov f<span class=\"_ _1\"></span>or ek<span class=\"_ _1\"></span>str<span class=\"_ _1\"></span>a nedskriving<span class=\"_ _1\"></span>er i denne sammenheng. Banken </span><span style=\"display:inherit;clear:left;\">jobber aktivt med behandling a<span class=\"_ _1\"></span>v eiendeler som kan bli klima<span class=\"_ _1\"></span>-</span><span style=\"display:inherit;clear:left;\">str<span class=\"_ _1\"></span>andede i fr<span class=\"_ _1\"></span>em<span class=\"_ _1\"></span>tiden og har oppda<span class=\"_ _1\"></span>tert in<span class=\"_ _1\"></span>terne rutiner<span class=\"_ _0\"></span>.</span><span style=\"display:inherit;clear:left;\">Virkelig v<span class=\"_ _1\"></span>er<span class=\"_ _1\"></span>di p\u00e5 finansielle ins<span class=\"_ _1\"></span>trumen<span class=\"_ _1\"></span>ter</span><span style=\"display:inherit;clear:left;\">Virkelig v<span class=\"_ _1\"></span>er<span class=\"_ _1\"></span>di p\u00e5 finansielle instrumen<span class=\"_ _1\"></span>t<span class=\"_ _1\"></span>er som ikke handles i e<span class=\"_ _1\"></span>t </span><span style=\"display:inherit;clear:left;\">aktivt marked, f<span class=\"_ _1\"></span>as<span class=\"_ _1\"></span>tset<span class=\"_ _1\"></span>tes v<span class=\"_ _1\"></span>ed \u00e5 ben<span class=\"_ _1\"></span>ytt<span class=\"_ _1\"></span>e ulik<span class=\"_ _1\"></span>e ver<span class=\"_ _1\"></span>dse<span class=\"_ _1\"></span>tt<span class=\"_ _1\"></span>elses-</span><span style=\"display:inherit;clear:left;\">teknikk<span class=\"_ _1\"></span>er<span class=\"_ _0\"></span>. Dette gj\u00f8r<span class=\"_ _1\"></span>es basert p\u00e5 an<span class=\"_ _1\"></span>tagelser om h<span class=\"_ _1\"></span>v<span class=\"_ _1\"></span>a markede<span class=\"_ _1\"></span>t vil </span><span style=\"display:inherit;clear:left;\">legge til grunn f<span class=\"_ _1\"></span>or v<span class=\"_ _1\"></span>er<span class=\"_ _1\"></span>dset<span class=\"_ _1\"></span>telse a<span class=\"_ _2\"></span>v tilsvar<span class=\"_ _1\"></span>ende finansielle instru-</span><span style=\"display:inherit;clear:left;\">ment<span class=\"_ _1\"></span>er og tilgjengelig in<span class=\"_ _1\"></span>f<span class=\"_ _1\"></span>ormasjon p\u00e5 balansedag<span class=\"_ _1\"></span>en. Det vises til </span><span style=\"display:inherit;clear:left;\">not<span class=\"_ _1\"></span>er f<span class=\"_ _1\"></span>or finansielle instrumen<span class=\"_ _1\"></span>ter<span class=\"_ _0\"></span>, samt r<span class=\"_ _1\"></span>egnskaps <span class=\"_ _4\"></span>prinsipper f<span class=\"_ _1\"></span>or </span><span style=\"display:inherit;clear:left;\">beskrivelse a<span class=\"_ _2\"></span>v de teknikker som er benyt<span class=\"_ _1\"></span>te<span class=\"_ _1\"></span>t. I v<span class=\"_ _1\"></span>erdse<span class=\"_ _1\"></span>t<span class=\"_ _1\"></span>telsene a<span class=\"_ _1\"></span>v </span><span style=\"display:inherit;clear:left;\">finansielle instrumen<span class=\"_ _1\"></span>ter som ikk<span class=\"_ _1\"></span>e handles i e<span class=\"_ _1\"></span>t aktivt marked </span><span style=\"display:inherit;clear:left;\">kre<span class=\"_ _1\"></span>v<span class=\"_ _1\"></span>es det ut<span class=\"_ _1\"></span>str<span class=\"_ _1\"></span>akt bruk a<span class=\"_ _1\"></span>v skj\u00f8nn.</span><span style=\"display:inherit;clear:left;\">F<span class=\"_ _2\"></span>astren<span class=\"_ _1\"></span>t<span class=\"_ _1\"></span>eutl\u00e5n</span><span style=\"display:inherit;clear:left;\">I henhold til IFRS skal v<span class=\"_ _1\"></span>erdse<span class=\"_ _1\"></span>t<span class=\"_ _1\"></span>telsen v<span class=\"_ _1\"></span>\u00e6r<span class=\"_ _1\"></span>e basert p\u00e5 en vur<span class=\"_ _1\"></span>dering </span><span style=\"display:inherit;clear:left;\">a<span class=\"_ _1\"></span>v hv<span class=\"_ _1\"></span>a en eks<span class=\"_ _1\"></span>tern in<span class=\"_ _1\"></span>v<span class=\"_ _1\"></span>est<span class=\"_ _1\"></span>or ville lagt til grunn v<span class=\"_ _1\"></span>ed inv<span class=\"_ _1\"></span>est<span class=\"_ _1\"></span>ering i </span><span style=\"display:inherit;clear:left;\">tilsv<span class=\"_ _1\"></span>ar<span class=\"_ _1\"></span>ende utl\u00e5n. De<span class=\"_ _1\"></span>t eksist<span class=\"_ _1\"></span>er<span class=\"_ _1\"></span>er ikke e<span class=\"_ _1\"></span>t v<span class=\"_ _1\"></span>elfunger<span class=\"_ _1\"></span>ende mark<span class=\"_ _1\"></span>ed </span><span style=\"display:inherit;clear:left;\">for kj\u00f8p og salg a<span class=\"_ _2\"></span>v fastr<span class=\"_ _1\"></span>en<span class=\"_ _1\"></span>tel\u00e5n mellom mark<span class=\"_ _1\"></span>edsakt<span class=\"_ _1\"></span>\u00f8rer<span class=\"_ _0\"></span>. V<span class=\"_ _1\"></span>er<span class=\"_ _1\"></span>dien </span><span style=\"display:inherit;clear:left;\">a<span class=\"_ _1\"></span>v f<span class=\"_ _1\"></span>astr<span class=\"_ _1\"></span>en<span class=\"_ _1\"></span>teutl\u00e5nene es<span class=\"_ _1\"></span>timer<span class=\"_ _1\"></span>es v<span class=\"_ _1\"></span>ed \u00e5 diskon<span class=\"_ _1\"></span>ter<span class=\"_ _1\"></span>e k<span class=\"_ _1\"></span>on<span class=\"_ _1\"></span>tant<span class=\"_ _1\"></span>-</span><span style=\"display:inherit;clear:left;\">str<span class=\"_ _1\"></span>\u00f8mmene med en risik<span class=\"_ _1\"></span>ojust<span class=\"_ _1\"></span>ert diskon<span class=\"_ _1\"></span>terings<span class=\"_ _1\"></span>f<span class=\"_ _1\"></span>aktor som skal </span><span style=\"display:inherit;clear:left;\">hensyn<span class=\"_ _1\"></span>ta mark<span class=\"_ _1\"></span>edsakt\u00f8r<span class=\"_ _1\"></span>enes pr<span class=\"_ _1\"></span>ef<span class=\"_ _1\"></span>er<span class=\"_ _1\"></span>anser<span class=\"_ _0\"></span>. Diskon<span class=\"_ _1\"></span>terings<span class=\"_ _1\"></span>f<span class=\"_ _1\"></span>aktor<span class=\"_ _1\"></span>en </span><span style=\"display:inherit;clear:left;\">beregnes basert p\u00e5 en observ<span class=\"_ _1\"></span>erbar sw<span class=\"_ _1\"></span>apren<span class=\"_ _1\"></span>t<span class=\"_ _1\"></span>e tillagt et </span><span style=\"display:inherit;clear:left;\">marginkr<span class=\"_ _1\"></span>a<span class=\"_ _1\"></span>v<span class=\"_ _2\"></span>.</span><span style=\"display:inherit;clear:left;\">V<span class=\"_ _2\"></span>ed estimering av mar<span class=\"_ _1\"></span>ginkr<span class=\"_ _1\"></span>a<span class=\"_ _1\"></span>ve<span class=\"_ _1\"></span>t ser bank<span class=\"_ _1\"></span>en hen til de observer<span class=\"_ _1\"></span>-</span><span style=\"display:inherit;clear:left;\">bare mark<span class=\"_ _1\"></span>edsr<span class=\"_ _1\"></span>en<span class=\"_ _1\"></span>tene p\u00e5 tils<span class=\"_ _1\"></span>v<span class=\"_ _1\"></span>arende utl\u00e5n. S<span class=\"_ _1\"></span>wapr<span class=\"_ _1\"></span>en<span class=\"_ _1\"></span>te-elemen<span class=\"_ _1\"></span>t<span class=\"_ _1\"></span>et </span><span style=\"display:inherit;clear:left;\">i diskon<span class=\"_ _1\"></span>terings<span class=\"_ _1\"></span>f<span class=\"_ _1\"></span>aktor<span class=\"_ _1\"></span>en s<span class=\"_ _1\"></span>vinger k<span class=\"_ _1\"></span>on<span class=\"_ _1\"></span>tinuerlig, mens de observer<span class=\"_ _1\"></span>-</span><span style=\"display:inherit;clear:left;\">bare mark<span class=\"_ _1\"></span>edsr<span class=\"_ _1\"></span>en<span class=\"_ _1\"></span>tene f<span class=\"_ _1\"></span>or tils<span class=\"_ _1\"></span>v<span class=\"_ _1\"></span>arende utl\u00e5n ikk<span class=\"_ _1\"></span>e endr<span class=\"_ _1\"></span>es like </span><span style=\"display:inherit;clear:left;\">hyppig. Marginkr<span class=\"_ _1\"></span>a<span class=\"_ _1\"></span>v<span class=\"_ _1\"></span>et til mark<span class=\"_ _1\"></span>edsakt<span class=\"_ _1\"></span>\u00f8rene er derme<span class=\"_ _1\"></span>d ikke dir<span class=\"_ _1\"></span>ekt<span class=\"_ _1\"></span>e </span><span style=\"display:inherit;clear:left;\">observerbart og estimer<span class=\"_ _1\"></span>es basert p\u00e5 diff<span class=\"_ _1\"></span>er<span class=\"_ _1\"></span>ansen mellom de </span><span style=\"display:inherit;clear:left;\">observerbar<span class=\"_ _1\"></span>e mark<span class=\"_ _1\"></span>edsren<span class=\"_ _1\"></span>t<span class=\"_ _1\"></span>ene og sw<span class=\"_ _1\"></span>apren<span class=\"_ _1\"></span>t<span class=\"_ _1\"></span>en o<span class=\"_ _1\"></span>ver en tids<span class=\"_ _1\"></span>-</span><span style=\"display:inherit;clear:left;\">periode. Et<span class=\"_ _1\"></span>ter<span class=\"_ _1\"></span>som marginkr<span class=\"_ _1\"></span>a<span class=\"_ _1\"></span>v<span class=\"_ _1\"></span>et ikk<span class=\"_ _1\"></span>e er dir<span class=\"_ _1\"></span>ekte observ<span class=\"_ _1\"></span>erbart, er </span><span style=\"display:inherit;clear:left;\">det kn<span class=\"_ _1\"></span>ytt<span class=\"_ _1\"></span>e<span class=\"_ _1\"></span>t usikkerhe<span class=\"_ _1\"></span>t til ber<span class=\"_ _1\"></span>egning a<span class=\"_ _1\"></span>v virkelig v<span class=\"_ _1\"></span>er<span class=\"_ _1\"></span>di f<span class=\"_ _1\"></span>or </span><span style=\"display:inherit;clear:left;\">f<span class=\"_ _1\"></span>astr<span class=\"_ _1\"></span>en<span class=\"_ _1\"></span>teutl\u00e5n.</span><span style=\"display:inherit;clear:left;\">Basiss<span class=\"_ _1\"></span>wapper</span><span style=\"display:inherit;clear:left;\">Konserne<span class=\"_ _1\"></span>t benyt<span class=\"_ _1\"></span>ter basis<span class=\"_ _1\"></span>sw<span class=\"_ _1\"></span>apper som sikringsinstrumen<span class=\"_ _1\"></span>t f<span class=\"_ _1\"></span>or \u00e5 </span><span style=\"display:inherit;clear:left;\">kon<span class=\"_ _1\"></span>vert<span class=\"_ _1\"></span>er<span class=\"_ _1\"></span>e betalings<span class=\"_ _1\"></span>f<span class=\"_ _1\"></span>orpliktelser p\u00e5 innl\u00e5n i fr<span class=\"_ _1\"></span>emmed v<span class=\"_ _1\"></span>aluta til </span><span style=\"display:inherit;clear:left;\">norske kr<span class=\"_ _1\"></span>oner<span class=\"_ _0\"></span>. Prisen for \u00e5 inng\u00e5 basis<span class=\"_ _1\"></span>sw<span class=\"_ _1\"></span>apper sving<span class=\"_ _1\"></span>er<span class=\"_ _2\"></span>, noe som </span><span style=\"display:inherit;clear:left;\">gj\u00f8r a<span class=\"_ _1\"></span>t sikringen ikk<span class=\"_ _1\"></span>e utgj\u00f8r en perfekt hedg<span class=\"_ _1\"></span>e. De<span class=\"_ _1\"></span>tt<span class=\"_ _1\"></span>e p\u00e5<span class=\"_ _1\"></span>virker </span><span style=\"display:inherit;clear:left;\">virkelig v<span class=\"_ _1\"></span>er<span class=\"_ _1\"></span>di a<span class=\"_ _1\"></span>v deriv<span class=\"_ _1\"></span>a<span class=\"_ _1\"></span>t<span class=\"_ _1\"></span>et. De<span class=\"_ _1\"></span>t er i tillegg inng\u00e5<span class=\"_ _1\"></span>tt CS<span class=\"_ _1\"></span>A<span class=\"_ _1\"></span>-a<span class=\"_ _1\"></span>vtaler om </span><span style=\"display:inherit;clear:left;\">sikkerhe<span class=\"_ _1\"></span>tss<span class=\"_ _1\"></span>tillelse som er skr<span class=\"_ _1\"></span>ev<span class=\"_ _1\"></span>e<span class=\"_ _1\"></span>t i st<span class=\"_ _1\"></span>erk f<span class=\"_ _1\"></span>a<span class=\"_ _1\"></span>v<span class=\"_ _1\"></span>\u00f8r a<span class=\"_ _1\"></span>v obligasjons-</span><span style=\"display:inherit;clear:left;\">eierne for basis<span class=\"_ _1\"></span>sw<span class=\"_ _1\"></span>apper i da<span class=\"_ _1\"></span>tt<span class=\"_ _1\"></span>erselskape<span class=\"_ _1\"></span>t Spar<span class=\"_ _1\"></span>ebanken V<span class=\"_ _2\"></span>est </span><span style=\"display:inherit;clear:left;\">Boligkredit<span class=\"_ _1\"></span>t AS<span class=\"_ _1\"></span>. Det<span class=\"_ _1\"></span>te har en pris da mo<span class=\"_ _1\"></span>tpartene har s<span class=\"_ _1\"></span>tor<span class=\"_ _1\"></span>e </span><span style=\"display:inherit;clear:left;\">pot<span class=\"_ _1\"></span>ensielle f<span class=\"_ _1\"></span>orpliktelser dersom de ek<span class=\"_ _1\"></span>sempelvis skulle bli </span><span style=\"display:inherit;clear:left;\">nedgra<span class=\"_ _1\"></span>dert. Denne prisen kalles \u00abcredit char<span class=\"_ _1\"></span>g<span class=\"_ _1\"></span>e\u00bb og kan ogs\u00e5 </span><span style=\"display:inherit;clear:left;\">svinge o<span class=\"_ _1\"></span>v<span class=\"_ _1\"></span>er tid. De<span class=\"_ _1\"></span>t er usikkerhe<span class=\"_ _1\"></span>t kn<span class=\"_ _1\"></span>ytt<span class=\"_ _1\"></span>et til ber<span class=\"_ _1\"></span>egning<span class=\"_ _1\"></span>en a<span class=\"_ _1\"></span>v </span><span style=\"display:inherit;clear:left;\">virkelig v<span class=\"_ _1\"></span>er<span class=\"_ _1\"></span>di f<span class=\"_ _1\"></span>or slike finansielle ins<span class=\"_ _1\"></span>trumen<span class=\"_ _1\"></span>ter<span class=\"_ _0\"></span>.</span><span style=\"display:inherit;clear:left;\">F<span class=\"_ _2\"></span>or volum a<span class=\"_ _1\"></span>v finansielle instrumen<span class=\"_ _1\"></span>ter klas<span class=\"_ _1\"></span>sifisert p\u00e5 niv<span class=\"_ _1\"></span>\u00e5 3 </span><span style=\"display:inherit;clear:left;\">(innslag a<span class=\"_ _1\"></span>v subjektive elemen<span class=\"_ _1\"></span>t<span class=\"_ _1\"></span>er i v<span class=\"_ _1\"></span>erdse<span class=\"_ _1\"></span>t<span class=\"_ _1\"></span>telsen), vises til no<span class=\"_ _1\"></span>te 6<span class=\"_ _1\"></span>. </span><span style=\"display:inherit;clear:left;\">Her fremk<span class=\"_ _1\"></span>ommer ogs\u00e5 sensitivit<span class=\"_ _1\"></span>et kn<span class=\"_ _1\"></span>ytt<span class=\"_ _1\"></span>e<span class=\"_ _1\"></span>t til parame<span class=\"_ _1\"></span>t<span class=\"_ _1\"></span>erne i </span><span style=\"display:inherit;clear:left;\">beregning<span class=\"_ _1\"></span>ene.</span>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfOtherAccountingPoliciesRelevantToUnderstandingOfFinancialStatements",
    "language": "no",
    "entity": "scheme:213800M7T3CYVZ3ZRT12",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "s10_notes__6__26-1": {
   "value": "<span style=\"display:inherit;clear:left;\">Virkelig v<span class=\"_ _1\"></span>er<span class=\"_ _1\"></span>di p\u00e5 finansielle ins<span class=\"_ _1\"></span>trumen<span class=\"_ _1\"></span>ter</span><span style=\"display:inherit;clear:left;\">Virkelig v<span class=\"_ _1\"></span>er<span class=\"_ _1\"></span>di p\u00e5 finansielle instrumen<span class=\"_ _1\"></span>t<span class=\"_ _1\"></span>er som ikke handles i e<span class=\"_ _1\"></span>t </span><span style=\"display:inherit;clear:left;\">aktivt marked, f<span class=\"_ _1\"></span>as<span class=\"_ _1\"></span>tset<span class=\"_ _1\"></span>tes v<span class=\"_ _1\"></span>ed \u00e5 ben<span class=\"_ _1\"></span>ytt<span class=\"_ _1\"></span>e ulik<span class=\"_ _1\"></span>e ver<span class=\"_ _1\"></span>dse<span class=\"_ _1\"></span>tt<span class=\"_ _1\"></span>elses-</span><span style=\"display:inherit;clear:left;\">teknikk<span class=\"_ _1\"></span>er<span class=\"_ _0\"></span>. Dette gj\u00f8r<span class=\"_ _1\"></span>es basert p\u00e5 an<span class=\"_ _1\"></span>tagelser om h<span class=\"_ _1\"></span>v<span class=\"_ _1\"></span>a markede<span class=\"_ _1\"></span>t vil </span><span style=\"display:inherit;clear:left;\">legge til grunn f<span class=\"_ _1\"></span>or v<span class=\"_ _1\"></span>er<span class=\"_ _1\"></span>dset<span class=\"_ _1\"></span>telse a<span class=\"_ _2\"></span>v tilsvar<span class=\"_ _1\"></span>ende finansielle instru-</span><span style=\"display:inherit;clear:left;\">ment<span class=\"_ _1\"></span>er og tilgjengelig in<span class=\"_ _1\"></span>f<span class=\"_ _1\"></span>ormasjon p\u00e5 balansedag<span class=\"_ _1\"></span>en. Det vises til </span><span style=\"display:inherit;clear:left;\">not<span class=\"_ _1\"></span>er f<span class=\"_ _1\"></span>or finansielle instrumen<span class=\"_ _1\"></span>ter<span class=\"_ _0\"></span>, samt r<span class=\"_ _1\"></span>egnskaps <span class=\"_ _4\"></span>prinsipper f<span class=\"_ _1\"></span>or </span><span style=\"display:inherit;clear:left;\">beskrivelse a<span class=\"_ _2\"></span>v de teknikker som er benyt<span class=\"_ _1\"></span>te<span class=\"_ _1\"></span>t. I v<span class=\"_ _1\"></span>erdse<span class=\"_ _1\"></span>t<span class=\"_ _1\"></span>telsene a<span class=\"_ _1\"></span>v </span><span style=\"display:inherit;clear:left;\">finansielle instrumen<span class=\"_ _1\"></span>ter som ikk<span class=\"_ _1\"></span>e handles i e<span class=\"_ _1\"></span>t aktivt marked </span><span style=\"display:inherit;clear:left;\">kre<span class=\"_ _1\"></span>v<span class=\"_ _1\"></span>es det ut<span class=\"_ _1\"></span>str<span class=\"_ _1\"></span>akt bruk a<span class=\"_ _1\"></span>v skj\u00f8nn.</span><span style=\"display:inherit;clear:left;\">F<span class=\"_ _2\"></span>astren<span class=\"_ _1\"></span>t<span class=\"_ _1\"></span>eutl\u00e5n</span><span style=\"display:inherit;clear:left;\">I henhold til IFRS skal v<span class=\"_ _1\"></span>erdse<span class=\"_ _1\"></span>t<span class=\"_ _1\"></span>telsen v<span class=\"_ _1\"></span>\u00e6r<span class=\"_ _1\"></span>e basert p\u00e5 en vur<span class=\"_ _1\"></span>dering </span><span style=\"display:inherit;clear:left;\">a<span class=\"_ _1\"></span>v hv<span class=\"_ _1\"></span>a en eks<span class=\"_ _1\"></span>tern in<span class=\"_ _1\"></span>v<span class=\"_ _1\"></span>est<span class=\"_ _1\"></span>or ville lagt til grunn v<span class=\"_ _1\"></span>ed inv<span class=\"_ _1\"></span>est<span class=\"_ _1\"></span>ering i </span><span style=\"display:inherit;clear:left;\">tilsv<span class=\"_ _1\"></span>ar<span class=\"_ _1\"></span>ende utl\u00e5n. De<span class=\"_ _1\"></span>t eksist<span class=\"_ _1\"></span>er<span class=\"_ _1\"></span>er ikke e<span class=\"_ _1\"></span>t v<span class=\"_ _1\"></span>elfunger<span class=\"_ _1\"></span>ende mark<span class=\"_ _1\"></span>ed </span><span style=\"display:inherit;clear:left;\">for kj\u00f8p og salg a<span class=\"_ _2\"></span>v fastr<span class=\"_ _1\"></span>en<span class=\"_ _1\"></span>tel\u00e5n mellom mark<span class=\"_ _1\"></span>edsakt<span class=\"_ _1\"></span>\u00f8rer<span class=\"_ _0\"></span>. V<span class=\"_ _1\"></span>er<span class=\"_ _1\"></span>dien </span><span style=\"display:inherit;clear:left;\">a<span class=\"_ _1\"></span>v f<span class=\"_ _1\"></span>astr<span class=\"_ _1\"></span>en<span class=\"_ _1\"></span>teutl\u00e5nene es<span class=\"_ _1\"></span>timer<span class=\"_ _1\"></span>es v<span class=\"_ _1\"></span>ed \u00e5 diskon<span class=\"_ _1\"></span>ter<span class=\"_ _1\"></span>e k<span class=\"_ _1\"></span>on<span class=\"_ _1\"></span>tant<span class=\"_ _1\"></span>-</span><span style=\"display:inherit;clear:left;\">str<span class=\"_ _1\"></span>\u00f8mmene med en risik<span class=\"_ _1\"></span>ojust<span class=\"_ _1\"></span>ert diskon<span class=\"_ _1\"></span>terings<span class=\"_ _1\"></span>f<span class=\"_ _1\"></span>aktor som skal </span><span style=\"display:inherit;clear:left;\">hensyn<span class=\"_ _1\"></span>ta mark<span class=\"_ _1\"></span>edsakt\u00f8r<span class=\"_ _1\"></span>enes pr<span class=\"_ _1\"></span>ef<span class=\"_ _1\"></span>er<span class=\"_ _1\"></span>anser<span class=\"_ _0\"></span>. Diskon<span class=\"_ _1\"></span>terings<span class=\"_ _1\"></span>f<span class=\"_ _1\"></span>aktor<span class=\"_ _1\"></span>en </span><span style=\"display:inherit;clear:left;\">beregnes basert p\u00e5 en observ<span class=\"_ _1\"></span>erbar sw<span class=\"_ _1\"></span>apren<span class=\"_ _1\"></span>t<span class=\"_ _1\"></span>e tillagt et </span><span style=\"display:inherit;clear:left;\">marginkr<span class=\"_ _1\"></span>a<span class=\"_ _1\"></span>v<span class=\"_ _2\"></span>.</span><span style=\"display:inherit;clear:left;\">V<span class=\"_ _2\"></span>ed estimering av mar<span class=\"_ _1\"></span>ginkr<span class=\"_ _1\"></span>a<span class=\"_ _1\"></span>ve<span class=\"_ _1\"></span>t ser bank<span class=\"_ _1\"></span>en hen til de observer<span class=\"_ _1\"></span>-</span><span style=\"display:inherit;clear:left;\">bare mark<span class=\"_ _1\"></span>edsr<span class=\"_ _1\"></span>en<span class=\"_ _1\"></span>tene p\u00e5 tils<span class=\"_ _1\"></span>v<span class=\"_ _1\"></span>arende utl\u00e5n. S<span class=\"_ _1\"></span>wapr<span class=\"_ _1\"></span>en<span class=\"_ _1\"></span>te-elemen<span class=\"_ _1\"></span>t<span class=\"_ _1\"></span>et </span><span style=\"display:inherit;clear:left;\">i diskon<span class=\"_ _1\"></span>terings<span class=\"_ _1\"></span>f<span class=\"_ _1\"></span>aktor<span class=\"_ _1\"></span>en s<span class=\"_ _1\"></span>vinger k<span class=\"_ _1\"></span>on<span class=\"_ _1\"></span>tinuerlig, mens de observer<span class=\"_ _1\"></span>-</span><span style=\"display:inherit;clear:left;\">bare mark<span class=\"_ _1\"></span>edsr<span class=\"_ _1\"></span>en<span class=\"_ _1\"></span>tene f<span class=\"_ _1\"></span>or tils<span class=\"_ _1\"></span>v<span class=\"_ _1\"></span>arende utl\u00e5n ikk<span class=\"_ _1\"></span>e endr<span class=\"_ _1\"></span>es like </span><span style=\"display:inherit;clear:left;\">hyppig. Marginkr<span class=\"_ _1\"></span>a<span class=\"_ _1\"></span>v<span class=\"_ _1\"></span>et til mark<span class=\"_ _1\"></span>edsakt<span class=\"_ _1\"></span>\u00f8rene er derme<span class=\"_ _1\"></span>d ikke dir<span class=\"_ _1\"></span>ekt<span class=\"_ _1\"></span>e </span><span style=\"display:inherit;clear:left;\">observerbart og estimer<span class=\"_ _1\"></span>es basert p\u00e5 diff<span class=\"_ _1\"></span>er<span class=\"_ _1\"></span>ansen mellom de </span><span style=\"display:inherit;clear:left;\">observerbar<span class=\"_ _1\"></span>e mark<span class=\"_ _1\"></span>edsren<span class=\"_ _1\"></span>t<span class=\"_ _1\"></span>ene og sw<span class=\"_ _1\"></span>apren<span class=\"_ _1\"></span>t<span class=\"_ _1\"></span>en o<span class=\"_ _1\"></span>ver en tids<span class=\"_ _1\"></span>-</span><span style=\"display:inherit;clear:left;\">periode. Et<span class=\"_ _1\"></span>ter<span class=\"_ _1\"></span>som marginkr<span class=\"_ _1\"></span>a<span class=\"_ _1\"></span>v<span class=\"_ _1\"></span>et ikk<span class=\"_ _1\"></span>e er dir<span class=\"_ _1\"></span>ekte observ<span class=\"_ _1\"></span>erbart, er </span><span style=\"display:inherit;clear:left;\">det kn<span class=\"_ _1\"></span>ytt<span class=\"_ _1\"></span>e<span class=\"_ _1\"></span>t usikkerhe<span class=\"_ _1\"></span>t til ber<span class=\"_ _1\"></span>egning a<span class=\"_ _1\"></span>v virkelig v<span class=\"_ _1\"></span>er<span class=\"_ _1\"></span>di f<span class=\"_ _1\"></span>or </span><span style=\"display:inherit;clear:left;\">f<span class=\"_ _1\"></span>astr<span class=\"_ _1\"></span>en<span class=\"_ _1\"></span>teutl\u00e5n.</span><span style=\"display:inherit;clear:left;\">Basiss<span class=\"_ _1\"></span>wapper</span><span style=\"display:inherit;clear:left;\">Konserne<span class=\"_ _1\"></span>t benyt<span class=\"_ _1\"></span>ter basis<span class=\"_ _1\"></span>sw<span class=\"_ _1\"></span>apper som sikringsinstrumen<span class=\"_ _1\"></span>t f<span class=\"_ _1\"></span>or \u00e5 </span><span style=\"display:inherit;clear:left;\">kon<span class=\"_ _1\"></span>vert<span class=\"_ _1\"></span>er<span class=\"_ _1\"></span>e betalings<span class=\"_ _1\"></span>f<span class=\"_ _1\"></span>orpliktelser p\u00e5 innl\u00e5n i fr<span class=\"_ _1\"></span>emmed v<span class=\"_ _1\"></span>aluta til </span><span style=\"display:inherit;clear:left;\">norske kr<span class=\"_ _1\"></span>oner<span class=\"_ _0\"></span>. Prisen for \u00e5 inng\u00e5 basis<span class=\"_ _1\"></span>sw<span class=\"_ _1\"></span>apper sving<span class=\"_ _1\"></span>er<span class=\"_ _2\"></span>, noe som </span><span style=\"display:inherit;clear:left;\">gj\u00f8r a<span class=\"_ _1\"></span>t sikringen ikk<span class=\"_ _1\"></span>e utgj\u00f8r en perfekt hedg<span class=\"_ _1\"></span>e. De<span class=\"_ _1\"></span>tt<span class=\"_ _1\"></span>e p\u00e5<span class=\"_ _1\"></span>virker </span><span style=\"display:inherit;clear:left;\">virkelig v<span class=\"_ _1\"></span>er<span class=\"_ _1\"></span>di a<span class=\"_ _1\"></span>v deriv<span class=\"_ _1\"></span>a<span class=\"_ _1\"></span>t<span class=\"_ _1\"></span>et. De<span class=\"_ _1\"></span>t er i tillegg inng\u00e5<span class=\"_ _1\"></span>tt CS<span class=\"_ _1\"></span>A<span class=\"_ _1\"></span>-a<span class=\"_ _1\"></span>vtaler om </span><span style=\"display:inherit;clear:left;\">sikkerhe<span class=\"_ _1\"></span>tss<span class=\"_ _1\"></span>tillelse som er skr<span class=\"_ _1\"></span>ev<span class=\"_ _1\"></span>e<span class=\"_ _1\"></span>t i st<span class=\"_ _1\"></span>erk f<span class=\"_ _1\"></span>a<span class=\"_ _1\"></span>v<span class=\"_ _1\"></span>\u00f8r a<span class=\"_ _1\"></span>v obligasjons-</span><span style=\"display:inherit;clear:left;\">eierne for basis<span class=\"_ _1\"></span>sw<span class=\"_ _1\"></span>apper i da<span class=\"_ _1\"></span>tt<span class=\"_ _1\"></span>erselskape<span class=\"_ _1\"></span>t Spar<span class=\"_ _1\"></span>ebanken V<span class=\"_ _2\"></span>est </span><span style=\"display:inherit;clear:left;\">Boligkredit<span class=\"_ _1\"></span>t AS<span class=\"_ _1\"></span>. Det<span class=\"_ _1\"></span>te har en pris da mo<span class=\"_ _1\"></span>tpartene har s<span class=\"_ _1\"></span>tor<span class=\"_ _1\"></span>e </span><span style=\"display:inherit;clear:left;\">pot<span class=\"_ _1\"></span>ensielle f<span class=\"_ _1\"></span>orpliktelser dersom de ek<span class=\"_ _1\"></span>sempelvis skulle bli </span><span style=\"display:inherit;clear:left;\">nedgra<span class=\"_ _1\"></span>dert. Denne prisen kalles \u00abcredit char<span class=\"_ _1\"></span>g<span class=\"_ _1\"></span>e\u00bb og kan ogs\u00e5 </span><span style=\"display:inherit;clear:left;\">svinge o<span class=\"_ _1\"></span>v<span class=\"_ _1\"></span>er tid. De<span class=\"_ _1\"></span>t er usikkerhe<span class=\"_ _1\"></span>t kn<span class=\"_ _1\"></span>ytt<span class=\"_ _1\"></span>et til ber<span class=\"_ _1\"></span>egning<span class=\"_ _1\"></span>en a<span class=\"_ _1\"></span>v </span><span style=\"display:inherit;clear:left;\">virkelig v<span class=\"_ _1\"></span>er<span class=\"_ _1\"></span>di f<span class=\"_ _1\"></span>or slike finansielle ins<span class=\"_ _1\"></span>trumen<span class=\"_ _1\"></span>ter<span class=\"_ _0\"></span>.</span><span style=\"display:inherit;clear:left;\">F<span class=\"_ _2\"></span>or volum a<span class=\"_ _1\"></span>v finansielle instrumen<span class=\"_ _1\"></span>ter klas<span class=\"_ _1\"></span>sifisert p\u00e5 niv<span class=\"_ _1\"></span>\u00e5 3 </span><span style=\"display:inherit;clear:left;\">(innslag a<span class=\"_ _1\"></span>v subjektive elemen<span class=\"_ _1\"></span>t<span class=\"_ _1\"></span>er i v<span class=\"_ _1\"></span>erdse<span class=\"_ _1\"></span>t<span class=\"_ _1\"></span>telsen), vises til no<span class=\"_ _1\"></span>te 6<span class=\"_ _1\"></span>. </span><span style=\"display:inherit;clear:left;\">Her fremk<span class=\"_ _1\"></span>ommer ogs\u00e5 sensitivit<span class=\"_ _1\"></span>et kn<span class=\"_ _1\"></span>ytt<span class=\"_ _1\"></span>e<span class=\"_ _1\"></span>t til parame<span class=\"_ _1\"></span>t<span class=\"_ _1\"></span>erne i </span><span style=\"display:inherit;clear:left;\">beregning<span class=\"_ _1\"></span>ene.</span><span style=\"display:inherit;clear:left;\">Virkelig v<span class=\"_ _1\"></span>er<span class=\"_ _1\"></span>di med v<span class=\"_ _1\"></span>er<span class=\"_ _1\"></span>diendring<span class=\"_ _1\"></span>er o<span class=\"_ _1\"></span>v<span class=\"_ _1\"></span>er r<span class=\"_ _1\"></span>esulta<span class=\"_ _1\"></span>t</span><span style=\"display:inherit;clear:left;\">s til virkelig<span class=\"_ _1\"></span> verdi<span class=\"_ _1\"></span> med </span><span style=\"display:inherit;clear:left;\">ver<span class=\"_ _1\"></span>diendring ov<span class=\"_ _1\"></span>er r<span class=\"_ _1\"></span>esultat.<span class=\"_ _1\"></span> Dette vil<span class=\"_ _1\"></span> typisk v\u00e6r<span class=\"_ _1\"></span>e instru<span class=\"_ _1\"></span>menter </span><span style=\"display:inherit;clear:left;\">som i<span class=\"_ _8\"></span>nng<span class=\"_ _8\"></span>\u00e5r i tradi<span class=\"_ _8\"></span>ng-por<span class=\"_ _8\"></span>tef\u00f8l<span class=\"_ _8\"></span>jer<span class=\"_ _1\"></span>, por<span class=\"_ _8\"></span>tef\u00f8l<span class=\"_ _8\"></span>jer so<span class=\"_ _8\"></span>m st<span class=\"_ _8\"></span>yres<span class=\"_ _8\"></span>, m\u00e5l<span class=\"_ _8\"></span>es </span><span style=\"display:inherit;clear:left;\">og rap<span class=\"_ _8\"></span>por<span class=\"_ _8\"></span>te<span class=\"_ _8\"></span>res til l<span class=\"_ _8\"></span>ed<span class=\"_ _8\"></span>else<span class=\"_ _8\"></span>n i hen<span class=\"_ _8\"></span>hol<span class=\"_ _8\"></span>d til vi<span class=\"_ _8\"></span>rkeli<span class=\"_ _8\"></span>g verdi o<span class=\"_ _8\"></span>g </span><span style=\"display:inherit;clear:left;\">po<span class=\"_ _8\"></span>rtef\u00f8<span class=\"_ _8\"></span>lje<span class=\"_ _8\"></span>r med fo<span class=\"_ _8\"></span>r stor<span class=\"_ _8\"></span>t omfa<span class=\"_ _8\"></span>ng av sal<span class=\"_ _8\"></span>g til \u00e5 fal<span class=\"_ _8\"></span>le inn i e<span class=\"_ _8\"></span>n av de </span><span style=\"display:inherit;clear:left;\">to \u00f8<span class=\"_ _1\"></span>vrige forr<span class=\"_ _1\"></span>etningsmodellene. Likviditetspor<span class=\"_ _8\"></span>tef\u00f8ljen </span><span style=\"display:inherit;clear:left;\">regnskapsf<span class=\"_ _1\"></span>\u00f8res i<span class=\"_ _1\"></span> henhold til denne<span class=\"_ _1\"></span> kat<span class=\"_ _1\"></span>egori. I<span class=\"_ _1\"></span> portef\u00f8ljen skjer<span class=\"_ _1\"></span> </span><span style=\"display:inherit;clear:left;\">det r<span class=\"_ _1\"></span>elativt mang<span class=\"_ _1\"></span>e tr<span class=\"_ _1\"></span>ansaksjoner f<span class=\"_ _1\"></span>or \u00e5 ti<span class=\"_ _1\"></span>lpasse kvalitet<span class=\"_ _1\"></span> og </span><span style=\"display:inherit;clear:left;\">st\u00f8rrelse<span class=\"_ _1\"></span> til ek<span class=\"_ _1\"></span>sterne og<span class=\"_ _1\"></span> interne<span class=\"_ _1\"></span> kra<span class=\"_ _1\"></span>v til<span class=\"_ _1\"></span> buffer<span class=\"_ _1\"></span>e. Innenf<span class=\"_ _1\"></span>or de<span class=\"_ _1\"></span> </span><span style=\"display:inherit;clear:left;\">ov<span class=\"_ _1\"></span>erordnede<span class=\"_ _1\"></span> kra<span class=\"_ _1\"></span>v s<span class=\"_ _1\"></span>kal en dessuten<span class=\"_ _1\"></span> til enh<span class=\"_ _1\"></span>ver<span class=\"_ _1\"></span> tid maksi<span class=\"_ _1\"></span>mere </span><span style=\"display:inherit;clear:left;\">avk<span class=\"_ _1\"></span>astningen. Li<span class=\"_ _1\"></span>kviditetsreserven gener<span class=\"_ _1\"></span>erer<span class=\"_ _1\"></span> kredittrisik<span class=\"_ _1\"></span>o og<span class=\"_ _1\"></span> </span><span style=\"display:inherit;clear:left;\">det er<span class=\"_ _1\"></span> avkas<span class=\"_ _1\"></span>tningsm\u00e5l p\u00e5<span class=\"_ _1\"></span> rammen<span class=\"_ _1\"></span> for<span class=\"_ _1\"></span> denne risik<span class=\"_ _1\"></span>oen. </span><span style=\"display:inherit;clear:left;\">Likviditetsbeho<span class=\"_ _8\"></span>ldningen styres, m\u00e5les og r<span class=\"_ _1\"></span>apporteres til </span><span style=\"display:inherit;clear:left;\">ledelsen i henhold ti<span class=\"_ _1\"></span>l virk<span class=\"_ _1\"></span>elig ver<span class=\"_ _1\"></span>di.</span><span style=\"display:inherit;clear:left;\">Ins<span class=\"_ _8\"></span>trum<span class=\"_ _8\"></span>enter s<span class=\"_ _8\"></span>om et<span class=\"_ _8\"></span>ter b<span class=\"_ _8\"></span>esk<span class=\"_ _8\"></span>revne te<span class=\"_ _8\"></span>ster s<span class=\"_ _8\"></span>kal m\u00e5<span class=\"_ _8\"></span>le<span class=\"_ _8\"></span>s til </span><span style=\"display:inherit;clear:left;\">amortiser<span class=\"_ _8\"></span>t k<span class=\"_ _1\"></span>ost eller<span class=\"_ _1\"></span> virkelig<span class=\"_ _1\"></span> ver<span class=\"_ _1\"></span>di med v<span class=\"_ _1\"></span>erdiendring<span class=\"_ _1\"></span>er ov<span class=\"_ _1\"></span>er OCI<span class=\"_ _1\"></span> </span><span style=\"display:inherit;clear:left;\">kan l<span class=\"_ _8\"></span>ikevel utp<span class=\"_ _8\"></span>eke<span class=\"_ _8\"></span>s til m\u00e5<span class=\"_ _8\"></span>ling t<span class=\"_ _8\"></span>il vi<span class=\"_ _8\"></span>rkeli<span class=\"_ _8\"></span>g verdi over re<span class=\"_ _8\"></span>sult<span class=\"_ _8\"></span>at </span><span style=\"display:inherit;clear:left;\">der<span class=\"_ _8\"></span>som d<span class=\"_ _8\"></span>ette t<span class=\"_ _8\"></span>ar vek<span class=\"_ _8\"></span>k elle<span class=\"_ _8\"></span>r vese<span class=\"_ _8\"></span>ntli<span class=\"_ _8\"></span>g redu<span class=\"_ _8\"></span>serer et re<span class=\"_ _8\"></span>gns<span class=\"_ _8\"></span>kap<span class=\"_ _8\"></span>s-</span><span style=\"display:inherit;clear:left;\">messig misforhold (\u00aba<span class=\"_ _1\"></span>ccounting mismat<span class=\"_ _1\"></span>ch\u00bb<span class=\"_ _1\"></span>).</span><span style=\"display:inherit;clear:left;\">Utl\u00e5n med f<span class=\"_ _1\"></span>ast rent<span class=\"_ _1\"></span>e <span class=\"ff4 ls5 ws5\">er klassifisert under denne<span class=\"_ _1\"></span> kat<span class=\"_ _1\"></span>egori. </span></span><span style=\"display:inherit;clear:left;\">Det<span class=\"_ _8\"></span>te so<span class=\"_ _8\"></span>m f\u00f8lge av at ban<span class=\"_ _8\"></span>ken sik<span class=\"_ _8\"></span>rer renter<span class=\"_ _8\"></span>isiko<span class=\"_ _8\"></span>en ti<span class=\"_ _8\"></span>l denn<span class=\"_ _8\"></span>e </span><span style=\"display:inherit;clear:left;\">vesentlige<span class=\"_ _1\"></span> balanseposten med<span class=\"_ _1\"></span> deriva<span class=\"_ _1\"></span>ter<span class=\"_ _0\"></span>. Sistnevnte<span class=\"_ _1\"></span> skal alltid<span class=\"_ _1\"></span> </span><span style=\"display:inherit;clear:left;\">m\u00e5l<span class=\"_ _8\"></span>es ti<span class=\"_ _8\"></span>l vir<span class=\"_ _8\"></span>kelig ve<span class=\"_ _8\"></span>rdi over res<span class=\"_ _8\"></span>ultat o<span class=\"_ _8\"></span>g en reg<span class=\"_ _8\"></span>nska<span class=\"_ _8\"></span>psf\u00f8<span class=\"_ _8\"></span>ring av </span><span style=\"display:inherit;clear:left;\">utl\u00e5nene til<span class=\"_ _1\"></span> amortiser<span class=\"_ _8\"></span>t k<span class=\"_ _1\"></span>ost vil<span class=\"_ _1\"></span> s\u00e5ledes medf\u00f8re<span class=\"_ _1\"></span> vesentlig<span class=\"_ _1\"></span>e </span><span style=\"display:inherit;clear:left;\">flu<span class=\"_ _8\"></span>ktu<span class=\"_ _8\"></span>asj<span class=\"_ _8\"></span>one<span class=\"_ _8\"></span>r i resul<span class=\"_ _8\"></span>tatet. E<span class=\"_ _8\"></span>n bok<span class=\"_ _8\"></span>f\u00f8r<span class=\"_ _8\"></span>ing t<span class=\"_ _8\"></span>il vir<span class=\"_ _8\"></span>kelig ve<span class=\"_ _8\"></span>rdi me<span class=\"_ _8\"></span>d </span><span style=\"display:inherit;clear:left;\">ver<span class=\"_ _1\"></span>diendringer o<span class=\"_ _1\"></span>ver<span class=\"_ _1\"></span> resulta<span class=\"_ _1\"></span>t vil<span class=\"_ _1\"></span> medf\u00f8r<span class=\"_ _1\"></span>e en mer<span class=\"_ _1\"></span> harmonisert </span><span style=\"display:inherit;clear:left;\">sammenstilling a<span class=\"_ _1\"></span>v r<span class=\"_ _1\"></span>esultat<span class=\"_ _1\"></span>ene til<span class=\"_ _1\"></span> deriva<span class=\"_ _1\"></span>tene og<span class=\"_ _1\"></span> ver<span class=\"_ _1\"></span>diendring p\u00e5 </span><span style=\"display:inherit;clear:left;\">utl\u00e5nene. </span><span style=\"display:inherit;clear:left;\">Av<span class=\"_ _1\"></span> samme \u00e5rsak er<span class=\"_ _1\"></span> banken<span class=\"_ _1\"></span>s <span class=\"ff8 ls0 ws0\">finansi<span class=\"_ _8\"></span>ell<span class=\"_ _8\"></span>e gje<span class=\"_ _8\"></span>ld med fast rent<span class=\"_ _1\"></span>e </span></span><span style=\"display:inherit;clear:left;\">klassifisert under denne ka<span class=\"_ _1\"></span>tegori.<span class=\"_ _1\"></span> Sistnevn<span class=\"_ _1\"></span>te omf<span class=\"_ _1\"></span>a<span class=\"_ _1\"></span>tter g<span class=\"_ _8\"></span>jeld til<span class=\"_ _1\"></span> </span><span style=\"display:inherit;clear:left;\">kredittinstitusjoner<span class=\"_ _2\"></span>, innskudd samt g<span class=\"_ _8\"></span>jeld stiftet ved u<span class=\"_ _1\"></span>tstedelse </span><span style=\"display:inherit;clear:left;\">av<span class=\"_ _1\"></span> ver<span class=\"_ _1\"></span>dipapirer<span class=\"_ _1\"></span> med f<span class=\"_ _1\"></span>ast r<span class=\"_ _1\"></span>ente.<span class=\"_ _1\"></span> </span><span style=\"display:inherit;clear:left;\">Investeringer<span class=\"_ _1\"></span> i <span class=\"ff8 lsd wsd\">egenk<span class=\"_ _1\"></span>a<span class=\"_ _1\"></span>pi<span class=\"_ _1\"></span>ta<span class=\"_ _1\"></span>lins<span class=\"_ _1\"></span>t<span class=\"_ _1\"></span>rumen<span class=\"_ _1\"></span>t<span class=\"_ _1\"></span>er<span class=\"_ _1\"></span> <span class=\"ff4 lse wse\">skal m\u00e5les til virk<span class=\"_ _1\"></span>elig </span></span></span><span style=\"display:inherit;clear:left;\">verdi.<span class=\"_ _1\"></span> V<span class=\"_ _1\"></span>erdiendringer skal<span class=\"_ _1\"></span> som hovedr<span class=\"_ _1\"></span>egel f<span class=\"_ _1\"></span>\u00f8res i det<span class=\"_ _1\"></span> ordin\u00e6re<span class=\"_ _1\"></span> </span><span style=\"display:inherit;clear:left;\">resulta<span class=\"_ _1\"></span>t, men et<span class=\"_ _1\"></span> egenkapitalinstru<span class=\"_ _1\"></span>ment kan<span class=\"_ _1\"></span> utpekes som<span class=\"_ _1\"></span> m\u00e5lt </span><span style=\"display:inherit;clear:left;\">til v<span class=\"_ _8\"></span>irkel<span class=\"_ _8\"></span>ig verdi m<span class=\"_ _8\"></span>ed verd<span class=\"_ _8\"></span>ien<span class=\"_ _8\"></span>drin<span class=\"_ _8\"></span>ger f\u00f8r<span class=\"_ _8\"></span>t mot ut<span class=\"_ _8\"></span>vi<span class=\"_ _8\"></span>det re<span class=\"_ _8\"></span>sult<span class=\"_ _8\"></span>at<span class=\"_ _2\"></span>-</span><span style=\"display:inherit;clear:left;\">regnskap.<span class=\"_ _1\"></span> Sparebank<span class=\"_ _1\"></span>en V<span class=\"_ _1\"></span>est<span class=\"_ _1\"></span> har v<span class=\"_ _1\"></span>algt \u00e5 ikke<span class=\"_ _1\"></span> anv<span class=\"_ _1\"></span>ende </span><span style=\"display:inherit;clear:left;\">regnskapsf\u00f8ring ov<span class=\"_ _1\"></span>er utvidet resulta<span class=\"_ _1\"></span>t.</span><span style=\"display:inherit;clear:left;\">All<span class=\"_ _8\"></span>e der<span class=\"_ _8\"></span>ivater sk<span class=\"_ _8\"></span>al i ut<span class=\"_ _8\"></span>gan<span class=\"_ _8\"></span>gspun<span class=\"_ _8\"></span>kt<span class=\"_ _8\"></span>et m\u00e5l<span class=\"_ _8\"></span>es ti<span class=\"_ _8\"></span>l virke<span class=\"_ _8\"></span>lig verd<span class=\"_ _8\"></span>i med </span><span style=\"display:inherit;clear:left;\">sikringsinstrumenter skal r<span class=\"_ _1\"></span>egnskapsf\u00f8res i tr<span class=\"_ _1\"></span>\u00e5d med </span><span style=\"display:inherit;clear:left;\">ver<span class=\"_ _1\"></span>diendring i r<span class=\"_ _1\"></span>esultat,<span class=\"_ _1\"></span> men deriv<span class=\"_ _1\"></span>at<span class=\"_ _1\"></span>er som er<span class=\"_ _1\"></span> utpekt som </span><span style=\"display:inherit;clear:left;\">prinsippene for sikringsbokf\u00f8ring</span>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForFinancialInstrumentsAtFairValueThroughProfitOrLossExplanatory",
    "language": "no",
    "entity": "scheme:213800M7T3CYVZ3ZRT12",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "s10_notes__6__25-1": {
   "value": "<span style=\"display:inherit;clear:left;\">Virkelig v<span class=\"_ _1\"></span>er<span class=\"_ _1\"></span>di p\u00e5 finansielle ins<span class=\"_ _1\"></span>trumen<span class=\"_ _1\"></span>ter</span><span style=\"display:inherit;clear:left;\">Virkelig v<span class=\"_ _1\"></span>er<span class=\"_ _1\"></span>di p\u00e5 finansielle instrumen<span class=\"_ _1\"></span>t<span class=\"_ _1\"></span>er som ikke handles i e<span class=\"_ _1\"></span>t </span><span style=\"display:inherit;clear:left;\">aktivt marked, f<span class=\"_ _1\"></span>as<span class=\"_ _1\"></span>tset<span class=\"_ _1\"></span>tes v<span class=\"_ _1\"></span>ed \u00e5 ben<span class=\"_ _1\"></span>ytt<span class=\"_ _1\"></span>e ulik<span class=\"_ _1\"></span>e ver<span class=\"_ _1\"></span>dse<span class=\"_ _1\"></span>tt<span class=\"_ _1\"></span>elses-</span><span style=\"display:inherit;clear:left;\">teknikk<span class=\"_ _1\"></span>er<span class=\"_ _0\"></span>. Dette gj\u00f8r<span class=\"_ _1\"></span>es basert p\u00e5 an<span class=\"_ _1\"></span>tagelser om h<span class=\"_ _1\"></span>v<span class=\"_ _1\"></span>a markede<span class=\"_ _1\"></span>t vil </span><span style=\"display:inherit;clear:left;\">legge til grunn f<span class=\"_ _1\"></span>or v<span class=\"_ _1\"></span>er<span class=\"_ _1\"></span>dset<span class=\"_ _1\"></span>telse a<span class=\"_ _2\"></span>v tilsvar<span class=\"_ _1\"></span>ende finansielle instru-</span><span style=\"display:inherit;clear:left;\">ment<span class=\"_ _1\"></span>er og tilgjengelig in<span class=\"_ _1\"></span>f<span class=\"_ _1\"></span>ormasjon p\u00e5 balansedag<span class=\"_ _1\"></span>en. Det vises til </span><span style=\"display:inherit;clear:left;\">not<span class=\"_ _1\"></span>er f<span class=\"_ _1\"></span>or finansielle instrumen<span class=\"_ _1\"></span>ter<span class=\"_ _0\"></span>, samt r<span class=\"_ _1\"></span>egnskaps <span class=\"_ _4\"></span>prinsipper f<span class=\"_ _1\"></span>or </span><span style=\"display:inherit;clear:left;\">beskrivelse a<span class=\"_ _2\"></span>v de teknikker som er benyt<span class=\"_ _1\"></span>te<span class=\"_ _1\"></span>t. I v<span class=\"_ _1\"></span>erdse<span class=\"_ _1\"></span>t<span class=\"_ _1\"></span>telsene a<span class=\"_ _1\"></span>v </span><span style=\"display:inherit;clear:left;\">finansielle instrumen<span class=\"_ _1\"></span>ter som ikk<span class=\"_ _1\"></span>e handles i e<span class=\"_ _1\"></span>t aktivt marked </span><span style=\"display:inherit;clear:left;\">kre<span class=\"_ _1\"></span>v<span class=\"_ _1\"></span>es det ut<span class=\"_ _1\"></span>str<span class=\"_ _1\"></span>akt bruk a<span class=\"_ _1\"></span>v skj\u00f8nn.</span><span style=\"display:inherit;clear:left;\">F<span class=\"_ _2\"></span>astren<span class=\"_ _1\"></span>t<span class=\"_ _1\"></span>eutl\u00e5n</span><span style=\"display:inherit;clear:left;\">I henhold til IFRS skal v<span class=\"_ _1\"></span>erdse<span class=\"_ _1\"></span>t<span class=\"_ _1\"></span>telsen v<span class=\"_ _1\"></span>\u00e6r<span class=\"_ _1\"></span>e basert p\u00e5 en vur<span class=\"_ _1\"></span>dering </span><span style=\"display:inherit;clear:left;\">a<span class=\"_ _1\"></span>v hv<span class=\"_ _1\"></span>a en eks<span class=\"_ _1\"></span>tern in<span class=\"_ _1\"></span>v<span class=\"_ _1\"></span>est<span class=\"_ _1\"></span>or ville lagt til grunn v<span class=\"_ _1\"></span>ed inv<span class=\"_ _1\"></span>est<span class=\"_ _1\"></span>ering i </span><span style=\"display:inherit;clear:left;\">tilsv<span class=\"_ _1\"></span>ar<span class=\"_ _1\"></span>ende utl\u00e5n. De<span class=\"_ _1\"></span>t eksist<span class=\"_ _1\"></span>er<span class=\"_ _1\"></span>er ikke e<span class=\"_ _1\"></span>t v<span class=\"_ _1\"></span>elfunger<span class=\"_ _1\"></span>ende mark<span class=\"_ _1\"></span>ed </span><span style=\"display:inherit;clear:left;\">for kj\u00f8p og salg a<span class=\"_ _2\"></span>v fastr<span class=\"_ _1\"></span>en<span class=\"_ _1\"></span>tel\u00e5n mellom mark<span class=\"_ _1\"></span>edsakt<span class=\"_ _1\"></span>\u00f8rer<span class=\"_ _0\"></span>. V<span class=\"_ _1\"></span>er<span class=\"_ _1\"></span>dien </span><span style=\"display:inherit;clear:left;\">a<span class=\"_ _1\"></span>v f<span class=\"_ _1\"></span>astr<span class=\"_ _1\"></span>en<span class=\"_ _1\"></span>teutl\u00e5nene es<span class=\"_ _1\"></span>timer<span class=\"_ _1\"></span>es v<span class=\"_ _1\"></span>ed \u00e5 diskon<span class=\"_ _1\"></span>ter<span class=\"_ _1\"></span>e k<span class=\"_ _1\"></span>on<span class=\"_ _1\"></span>tant<span class=\"_ _1\"></span>-</span><span style=\"display:inherit;clear:left;\">str<span class=\"_ _1\"></span>\u00f8mmene med en risik<span class=\"_ _1\"></span>ojust<span class=\"_ _1\"></span>ert diskon<span class=\"_ _1\"></span>terings<span class=\"_ _1\"></span>f<span class=\"_ _1\"></span>aktor som skal </span><span style=\"display:inherit;clear:left;\">hensyn<span class=\"_ _1\"></span>ta mark<span class=\"_ _1\"></span>edsakt\u00f8r<span class=\"_ _1\"></span>enes pr<span class=\"_ _1\"></span>ef<span class=\"_ _1\"></span>er<span class=\"_ _1\"></span>anser<span class=\"_ _0\"></span>. Diskon<span class=\"_ _1\"></span>terings<span class=\"_ _1\"></span>f<span class=\"_ _1\"></span>aktor<span class=\"_ _1\"></span>en </span><span style=\"display:inherit;clear:left;\">beregnes basert p\u00e5 en observ<span class=\"_ _1\"></span>erbar sw<span class=\"_ _1\"></span>apren<span class=\"_ _1\"></span>t<span class=\"_ _1\"></span>e tillagt et </span><span style=\"display:inherit;clear:left;\">marginkr<span class=\"_ _1\"></span>a<span class=\"_ _1\"></span>v<span class=\"_ _2\"></span>.</span><span style=\"display:inherit;clear:left;\">V<span class=\"_ _2\"></span>ed estimering av mar<span class=\"_ _1\"></span>ginkr<span class=\"_ _1\"></span>a<span class=\"_ _1\"></span>ve<span class=\"_ _1\"></span>t ser bank<span class=\"_ _1\"></span>en hen til de observer<span class=\"_ _1\"></span>-</span><span style=\"display:inherit;clear:left;\">bare mark<span class=\"_ _1\"></span>edsr<span class=\"_ _1\"></span>en<span class=\"_ _1\"></span>tene p\u00e5 tils<span class=\"_ _1\"></span>v<span class=\"_ _1\"></span>arende utl\u00e5n. S<span class=\"_ _1\"></span>wapr<span class=\"_ _1\"></span>en<span class=\"_ _1\"></span>te-elemen<span class=\"_ _1\"></span>t<span class=\"_ _1\"></span>et </span><span style=\"display:inherit;clear:left;\">i diskon<span class=\"_ _1\"></span>terings<span class=\"_ _1\"></span>f<span class=\"_ _1\"></span>aktor<span class=\"_ _1\"></span>en s<span class=\"_ _1\"></span>vinger k<span class=\"_ _1\"></span>on<span class=\"_ _1\"></span>tinuerlig, mens de observer<span class=\"_ _1\"></span>-</span><span style=\"display:inherit;clear:left;\">bare mark<span class=\"_ _1\"></span>edsr<span class=\"_ _1\"></span>en<span class=\"_ _1\"></span>tene f<span class=\"_ _1\"></span>or tils<span class=\"_ _1\"></span>v<span class=\"_ _1\"></span>arende utl\u00e5n ikk<span class=\"_ _1\"></span>e endr<span class=\"_ _1\"></span>es like </span><span style=\"display:inherit;clear:left;\">hyppig. Marginkr<span class=\"_ _1\"></span>a<span class=\"_ _1\"></span>v<span class=\"_ _1\"></span>et til mark<span class=\"_ _1\"></span>edsakt<span class=\"_ _1\"></span>\u00f8rene er derme<span class=\"_ _1\"></span>d ikke dir<span class=\"_ _1\"></span>ekt<span class=\"_ _1\"></span>e </span><span style=\"display:inherit;clear:left;\">observerbart og estimer<span class=\"_ _1\"></span>es basert p\u00e5 diff<span class=\"_ _1\"></span>er<span class=\"_ _1\"></span>ansen mellom de </span><span style=\"display:inherit;clear:left;\">observerbar<span class=\"_ _1\"></span>e mark<span class=\"_ _1\"></span>edsren<span class=\"_ _1\"></span>t<span class=\"_ _1\"></span>ene og sw<span class=\"_ _1\"></span>apren<span class=\"_ _1\"></span>t<span class=\"_ _1\"></span>en o<span class=\"_ _1\"></span>ver en tids<span class=\"_ _1\"></span>-</span><span style=\"display:inherit;clear:left;\">periode. Et<span class=\"_ _1\"></span>ter<span class=\"_ _1\"></span>som marginkr<span class=\"_ _1\"></span>a<span class=\"_ _1\"></span>v<span class=\"_ _1\"></span>et ikk<span class=\"_ _1\"></span>e er dir<span class=\"_ _1\"></span>ekte observ<span class=\"_ _1\"></span>erbart, er </span><span style=\"display:inherit;clear:left;\">det kn<span class=\"_ _1\"></span>ytt<span class=\"_ _1\"></span>e<span class=\"_ _1\"></span>t usikkerhe<span class=\"_ _1\"></span>t til ber<span class=\"_ _1\"></span>egning a<span class=\"_ _1\"></span>v virkelig v<span class=\"_ _1\"></span>er<span class=\"_ _1\"></span>di f<span class=\"_ _1\"></span>or </span><span style=\"display:inherit;clear:left;\">f<span class=\"_ _1\"></span>astr<span class=\"_ _1\"></span>en<span class=\"_ _1\"></span>teutl\u00e5n.</span><span style=\"display:inherit;clear:left;\">Basiss<span class=\"_ _1\"></span>wapper</span><span style=\"display:inherit;clear:left;\">Konserne<span class=\"_ _1\"></span>t benyt<span class=\"_ _1\"></span>ter basis<span class=\"_ _1\"></span>sw<span class=\"_ _1\"></span>apper som sikringsinstrumen<span class=\"_ _1\"></span>t f<span class=\"_ _1\"></span>or \u00e5 </span><span style=\"display:inherit;clear:left;\">kon<span class=\"_ _1\"></span>vert<span class=\"_ _1\"></span>er<span class=\"_ _1\"></span>e betalings<span class=\"_ _1\"></span>f<span class=\"_ _1\"></span>orpliktelser p\u00e5 innl\u00e5n i fr<span class=\"_ _1\"></span>emmed v<span class=\"_ _1\"></span>aluta til </span><span style=\"display:inherit;clear:left;\">norske kr<span class=\"_ _1\"></span>oner<span class=\"_ _0\"></span>. Prisen for \u00e5 inng\u00e5 basis<span class=\"_ _1\"></span>sw<span class=\"_ _1\"></span>apper sving<span class=\"_ _1\"></span>er<span class=\"_ _2\"></span>, noe som </span><span style=\"display:inherit;clear:left;\">gj\u00f8r a<span class=\"_ _1\"></span>t sikringen ikk<span class=\"_ _1\"></span>e utgj\u00f8r en perfekt hedg<span class=\"_ _1\"></span>e. De<span class=\"_ _1\"></span>tt<span class=\"_ _1\"></span>e p\u00e5<span class=\"_ _1\"></span>virker </span><span style=\"display:inherit;clear:left;\">virkelig v<span class=\"_ _1\"></span>er<span class=\"_ _1\"></span>di a<span class=\"_ _1\"></span>v deriv<span class=\"_ _1\"></span>a<span class=\"_ _1\"></span>t<span class=\"_ _1\"></span>et. De<span class=\"_ _1\"></span>t er i tillegg inng\u00e5<span class=\"_ _1\"></span>tt CS<span class=\"_ _1\"></span>A<span class=\"_ _1\"></span>-a<span class=\"_ _1\"></span>vtaler om </span><span style=\"display:inherit;clear:left;\">sikkerhe<span class=\"_ _1\"></span>tss<span class=\"_ _1\"></span>tillelse som er skr<span class=\"_ _1\"></span>ev<span class=\"_ _1\"></span>e<span class=\"_ _1\"></span>t i st<span class=\"_ _1\"></span>erk f<span class=\"_ _1\"></span>a<span class=\"_ _1\"></span>v<span class=\"_ _1\"></span>\u00f8r a<span class=\"_ _1\"></span>v obligasjons-</span><span style=\"display:inherit;clear:left;\">eierne for basis<span class=\"_ _1\"></span>sw<span class=\"_ _1\"></span>apper i da<span class=\"_ _1\"></span>tt<span class=\"_ _1\"></span>erselskape<span class=\"_ _1\"></span>t Spar<span class=\"_ _1\"></span>ebanken V<span class=\"_ _2\"></span>est </span><span style=\"display:inherit;clear:left;\">Boligkredit<span class=\"_ _1\"></span>t AS<span class=\"_ _1\"></span>. Det<span class=\"_ _1\"></span>te har en pris da mo<span class=\"_ _1\"></span>tpartene har s<span class=\"_ _1\"></span>tor<span class=\"_ _1\"></span>e </span><span style=\"display:inherit;clear:left;\">pot<span class=\"_ _1\"></span>ensielle f<span class=\"_ _1\"></span>orpliktelser dersom de ek<span class=\"_ _1\"></span>sempelvis skulle bli </span><span style=\"display:inherit;clear:left;\">nedgra<span class=\"_ _1\"></span>dert. Denne prisen kalles \u00abcredit char<span class=\"_ _1\"></span>g<span class=\"_ _1\"></span>e\u00bb og kan ogs\u00e5 </span><span style=\"display:inherit;clear:left;\">svinge o<span class=\"_ _1\"></span>v<span class=\"_ _1\"></span>er tid. De<span class=\"_ _1\"></span>t er usikkerhe<span class=\"_ _1\"></span>t kn<span class=\"_ _1\"></span>ytt<span class=\"_ _1\"></span>et til ber<span class=\"_ _1\"></span>egning<span class=\"_ _1\"></span>en a<span class=\"_ _1\"></span>v </span><span style=\"display:inherit;clear:left;\">virkelig v<span class=\"_ _1\"></span>er<span class=\"_ _1\"></span>di f<span class=\"_ _1\"></span>or slike finansielle ins<span class=\"_ _1\"></span>trumen<span class=\"_ _1\"></span>ter<span class=\"_ _0\"></span>.</span><span style=\"display:inherit;clear:left;\">F<span class=\"_ _2\"></span>or volum a<span class=\"_ _1\"></span>v finansielle instrumen<span class=\"_ _1\"></span>ter klas<span class=\"_ _1\"></span>sifisert p\u00e5 niv<span class=\"_ _1\"></span>\u00e5 3 </span><span style=\"display:inherit;clear:left;\">(innslag a<span class=\"_ _1\"></span>v subjektive elemen<span class=\"_ _1\"></span>t<span class=\"_ _1\"></span>er i v<span class=\"_ _1\"></span>erdse<span class=\"_ _1\"></span>t<span class=\"_ _1\"></span>telsen), vises til no<span class=\"_ _1\"></span>te 6<span class=\"_ _1\"></span>. </span><span style=\"display:inherit;clear:left;\">Her fremk<span class=\"_ _1\"></span>ommer ogs\u00e5 sensitivit<span class=\"_ _1\"></span>et kn<span class=\"_ _1\"></span>ytt<span class=\"_ _1\"></span>e<span class=\"_ _1\"></span>t til parame<span class=\"_ _1\"></span>t<span class=\"_ _1\"></span>erne i </span><span style=\"display:inherit;clear:left;\">beregning<span class=\"_ _1\"></span>ene.</span><span style=\"display:inherit;clear:left;\">Finansielle eiendeler<span class=\"_ _1\"></span> og g<span class=\"_ _8\"></span>jeld er v<span class=\"_ _1\"></span>erdsa<span class=\"_ _1\"></span>tt og klassifisert i </span><span style=\"display:inherit;clear:left;\">sam<span class=\"_ _8\"></span>svar me<span class=\"_ _8\"></span>d IFR<span class=\"_ _8\"></span>S 9.</span><span style=\"display:inherit;clear:left;\">Innr<span class=\"_ _1\"></span>egning og fr<span class=\"_ _1\"></span>ar<span class=\"_ _1\"></span>egning</span><span style=\"display:inherit;clear:left;\">Finansielle eiendeler<span class=\"_ _1\"></span> og forpliktelser<span class=\"_ _1\"></span> balansef\u00f8r<span class=\"_ _1\"></span>es p\u00e5 de<span class=\"_ _1\"></span>t </span><span style=\"display:inherit;clear:left;\">tidspunkt konsernet blir part i instrumentets k<span class=\"_ _1\"></span>ontraktsmessige </span><span style=\"display:inherit;clear:left;\">betingelser<span class=\"_ _2\"></span>. Finans<span class=\"_ _1\"></span>ielle eiendeler og<span class=\"_ _1\"></span> finansielle f<span class=\"_ _1\"></span>orpliktelser </span><span style=\"display:inherit;clear:left;\">frareg<span class=\"_ _8\"></span>ne<span class=\"_ _8\"></span>s p\u00e5 det t<span class=\"_ _8\"></span>ids<span class=\"_ _8\"></span>punk<span class=\"_ _8\"></span>t he<span class=\"_ _8\"></span>nho<span class=\"_ _8\"></span>ldsv<span class=\"_ _8\"></span>is forde<span class=\"_ _8\"></span>len e<span class=\"_ _8\"></span>lle<span class=\"_ _8\"></span>r </span><span style=\"display:inherit;clear:left;\">forpliktelsen som<span class=\"_ _1\"></span> f\u00f8lger<span class=\"_ _1\"></span> a<span class=\"_ _1\"></span>v kon<span class=\"_ _1\"></span>traktsmessige betingelser<span class=\"_ _1\"></span> er </span><span style=\"display:inherit;clear:left;\">innfridd, kansellert eller utl\u00f8pt.</span><span style=\"display:inherit;clear:left;\">En fi<span class=\"_ _8\"></span>nans<span class=\"_ _8\"></span>iel<span class=\"_ _8\"></span>l eien<span class=\"_ _8\"></span>del k<span class=\"_ _8\"></span>an ogs<span class=\"_ _8\"></span>\u00e5 frareg<span class=\"_ _8\"></span>ne<span class=\"_ _8\"></span>s og in<span class=\"_ _8\"></span>nreg<span class=\"_ _8\"></span>nes p<span class=\"_ _8\"></span>\u00e5 nyt<span class=\"_ _8\"></span>t </span><span style=\"display:inherit;clear:left;\">der<span class=\"_ _8\"></span>som d<span class=\"_ _8\"></span>enne h<span class=\"_ _8\"></span>ar v\u00e6r<span class=\"_ _8\"></span>t g<span class=\"_ _8\"></span>j<span class=\"_ _8\"></span>ens<span class=\"_ _8\"></span>tan<span class=\"_ _8\"></span>d for st\u00f8<span class=\"_ _8\"></span>rre end<span class=\"_ _8\"></span>rin<span class=\"_ _8\"></span>ger<span class=\"_ _2\"></span>. I s<span class=\"_ _8\"></span>like </span><span style=\"display:inherit;clear:left;\">tilfeller blir endring i<span class=\"_ _1\"></span> kontr<span class=\"_ _1\"></span>aktsvilk\u00e5r<span class=\"_ _2\"></span>, vesentligh<span class=\"_ _8\"></span>et, samt<span class=\"_ _1\"></span> andre </span><span style=\"display:inherit;clear:left;\">kommersielle vilk\u00e5r vur<span class=\"_ _1\"></span>dert.</span><span style=\"display:inherit;clear:left;\">Finansielle eiendeler<span class=\"_ _1\"></span> som selges f<span class=\"_ _1\"></span>ra<span class=\"_ _1\"></span> Sparebank<span class=\"_ _1\"></span>en V<span class=\"_ _1\"></span>est<span class=\"_ _1\"></span> til </span><span style=\"display:inherit;clear:left;\">Sparebanken V<span class=\"_ _2\"></span>est Bo<span class=\"_ _8\"></span>ligkreditt AS fr<span class=\"_ _1\"></span>aregnes i regnskapet til </span><span style=\"display:inherit;clear:left;\">Sparebanken V<span class=\"_ _2\"></span>est og innregnes i Sparebanken V<span class=\"_ _2\"></span>e<span class=\"_ _8\"></span>st Bolig-</span><span style=\"display:inherit;clear:left;\">kreditt. Sparebanken<span class=\"_ _1\"></span> V<span class=\"_ _1\"></span>est Boligkreditt overtar all kredittrisiko </span><span style=\"display:inherit;clear:left;\">for de<span class=\"_ _1\"></span> ov<span class=\"_ _1\"></span>erf\u00f8rte eiendelene.</span><span style=\"display:inherit;clear:left;\">M\u00e5leka<span class=\"_ _1\"></span>t<span class=\"_ _1\"></span>egorier</span><span style=\"display:inherit;clear:left;\"> </span><span style=\"display:inherit;clear:left;\">IFR<span class=\"_ _8\"></span>S 9 har f\u00f8l<span class=\"_ _8\"></span>gend<span class=\"_ _8\"></span>e pri<span class=\"_ _8\"></span>nsip<span class=\"_ _8\"></span>pe<span class=\"_ _8\"></span>r for kla<span class=\"_ _8\"></span>ssi<span class=\"_ _8\"></span>fis<span class=\"_ _8\"></span>erin<span class=\"_ _8\"></span>g og m\u00e5<span class=\"_ _8\"></span>lin<span class=\"_ _8\"></span>g:</span><span style=\"display:inherit;clear:left;\">\u2022 Am<span class=\"_ _8\"></span>or<span class=\"_ _8\"></span>tise<span class=\"_ _8\"></span>rt ko<span class=\"_ _8\"></span>st <span class=\"_ _151\"> </span> </span><span style=\"display:inherit;clear:left;\">\u2022 Vi<span class=\"_ _8\"></span>rkeli<span class=\"_ _8\"></span>g verdi me<span class=\"_ _8\"></span>d verdi<span class=\"_ _8\"></span>endr<span class=\"_ _8\"></span>ing over u<span class=\"_ _8\"></span>tv<span class=\"_ _8\"></span>idet re<span class=\"_ _8\"></span>sult<span class=\"_ _8\"></span>at (FVO<span class=\"_ _8\"></span>CI) </span><span style=\"display:inherit;clear:left;\">\u2022 Vi<span class=\"_ _8\"></span>rkeli<span class=\"_ _8\"></span>g verdi me<span class=\"_ _8\"></span>d verdi<span class=\"_ _8\"></span>endr<span class=\"_ _8\"></span>ing over re<span class=\"_ _8\"></span>sul<span class=\"_ _8\"></span>tat (F<span class=\"_ _8\"></span>VPL)</span><span style=\"display:inherit;clear:left;\">M\u00e5lekategori besluttes ved f<span class=\"_ _1\"></span>\u00f8rstegangs r<span class=\"_ _1\"></span>egnskapsf\u00f8ring av<span class=\"_ _1\"></span> </span><span style=\"display:inherit;clear:left;\">eiendelen. </span><span style=\"display:inherit;clear:left;\">Regnskapsprinsipp<span class=\"_ _8\"></span>er for<span class=\"_ _1\"></span> kat<span class=\"_ _1\"></span>egorier av<span class=\"_ _1\"></span> finansielle eiendeler </span><span style=\"display:inherit;clear:left;\">be<span class=\"_ _8\"></span>skr<span class=\"_ _8\"></span>ives i n\u00e6<span class=\"_ _8\"></span>rme<span class=\"_ _8\"></span>re i de f\u00f8l<span class=\"_ _8\"></span>gend<span class=\"_ _8\"></span>e avsnit<span class=\"_ _8\"></span>t.</span><span style=\"display:inherit;clear:left;\">Amortisert kos<span class=\"_ _1\"></span>t</span><span style=\"display:inherit;clear:left;\">Gjeldsinstrumenter<span class=\"_ _0\"></span>, definert som alle finansielle<span class=\"_ _1\"></span> eiendeler som </span><span style=\"display:inherit;clear:left;\">ikke<span class=\"_ _1\"></span> er deriva<span class=\"_ _1\"></span>ter<span class=\"_ _1\"></span> eller egen<span class=\"_ _1\"></span>kapitalinstrumenter<span class=\"_ _0\"></span>, m\u00e5 g<span class=\"_ _8\"></span>jennom to<span class=\"_ _1\"></span> </span><span style=\"display:inherit;clear:left;\">tes<span class=\"_ _8\"></span>ter for \u00e5 avg<span class=\"_ _8\"></span>j<span class=\"_ _8\"></span>\u00f8re kl<span class=\"_ _8\"></span>ass<span class=\"_ _8\"></span>ifi<span class=\"_ _8\"></span>seri<span class=\"_ _8\"></span>ng og m<span class=\"_ _8\"></span>\u00e5lin<span class=\"_ _8\"></span>g ette<span class=\"_ _8\"></span>r IFR<span class=\"_ _8\"></span>S 9.</span><span style=\"display:inherit;clear:left;\">Den f\u00f8rst<span class=\"_ _1\"></span>e test<span class=\"_ _1\"></span>en g<span class=\"_ _8\"></span>j\u00f8res p\u00e5<span class=\"_ _1\"></span> instrumentniv<span class=\"_ _1\"></span>\u00e5, og er<span class=\"_ _1\"></span> en vur<span class=\"_ _1\"></span>dering </span><span style=\"display:inherit;clear:left;\">av<span class=\"_ _1\"></span> instrumentets k<span class=\"_ _1\"></span>ontraktsmessi<span class=\"_ _8\"></span>ge<span class=\"_ _1\"></span> vilk\u00e5r<span class=\"_ _2\"></span>. Denne testen </span><span style=\"display:inherit;clear:left;\">omtales som SPPI<span class=\"_ _1\"></span>-<span class=\"_ _2\"></span>testen (SPPI=<span class=\"_ _1\"></span>solely pa<span class=\"_ _1\"></span>ymen<span class=\"_ _1\"></span>t of<span class=\"_ _1\"></span> principal </span><span style=\"display:inherit;clear:left;\">and i<span class=\"_ _8\"></span>nteres<span class=\"_ _8\"></span>t). Det e<span class=\"_ _8\"></span>r kun in<span class=\"_ _8\"></span>stru<span class=\"_ _8\"></span>mente<span class=\"_ _8\"></span>r me<span class=\"_ _8\"></span>d kontrak<span class=\"_ _8\"></span>ts<span class=\"_ _8\"></span>mes<span class=\"_ _8\"></span>si<span class=\"_ _8\"></span>ge </span><span style=\"display:inherit;clear:left;\">konta<span class=\"_ _8\"></span>ntst<span class=\"_ _8\"></span>r\u00f8mm<span class=\"_ _8\"></span>er so<span class=\"_ _8\"></span>m bare b<span class=\"_ _8\"></span>est<span class=\"_ _8\"></span>\u00e5r av bet<span class=\"_ _8\"></span>ali<span class=\"_ _8\"></span>ng av \u00abnor<span class=\"_ _8\"></span>mal\u00bb </span><span style=\"display:inherit;clear:left;\">rente og h<span class=\"_ _8\"></span>oveds<span class=\"_ _8\"></span>tol p\u00e5 g<span class=\"_ _8\"></span>it<span class=\"_ _8\"></span>te datoe<span class=\"_ _8\"></span>r som k<span class=\"_ _8\"></span>vali<span class=\"_ _8\"></span>fis<span class=\"_ _8\"></span>erer for </span><span style=\"display:inherit;clear:left;\">amortis<span class=\"_ _8\"></span>ert kost<span class=\"_ _2\"></span>-m\u00e5ling. Alle andre<span class=\"_ _1\"></span> finansielle instrumenter skal </span><span style=\"display:inherit;clear:left;\">m\u00e5l<span class=\"_ _8\"></span>es ti<span class=\"_ _8\"></span>l vir<span class=\"_ _8\"></span>kelig ve<span class=\"_ _8\"></span>rdi. D<span class=\"_ _8\"></span>ette k<span class=\"_ _8\"></span>an omfatte i<span class=\"_ _8\"></span>nst<span class=\"_ _8\"></span>rume<span class=\"_ _8\"></span>nter m<span class=\"_ _8\"></span>ed </span><span style=\"display:inherit;clear:left;\">kontr<span class=\"_ _1\"></span>aktsme<span class=\"_ _8\"></span>ssig vilk\u00e5r som er ur<span class=\"_ _1\"></span>elatert til enkle gjel<span class=\"_ _8\"></span>dsinstru-</span><span style=\"display:inherit;clear:left;\">menter<span class=\"_ _0\"></span>, som for eksempel<span class=\"_ _1\"></span> instrument<span class=\"_ _1\"></span>er med gearing<span class=\"_ _1\"></span> eller </span><span style=\"display:inherit;clear:left;\">\u00abinneby<span class=\"_ _1\"></span>gde deriv<span class=\"_ _1\"></span>a<span class=\"_ _1\"></span>ter\u00bb.<span class=\"_ _1\"></span> \u00abNormal\u00bb r<span class=\"_ _1\"></span>ente<span class=\"_ _1\"></span> omf<span class=\"_ _1\"></span>atter<span class=\"_ _1\"></span> godtg<span class=\"_ _8\"></span>j\u00f8relse </span><span style=\"display:inherit;clear:left;\">for tids<span class=\"_ _1\"></span>ver<span class=\"_ _1\"></span>dien a<span class=\"_ _1\"></span>v penger<span class=\"_ _1\"></span> (<span class=\"_ _1\"></span>risiko<span class=\"_ _1\"></span>fri r<span class=\"_ _1\"></span>ent<span class=\"_ _1\"></span>e)<span class=\"_ _1\"></span>,<span class=\"_ _1\"></span> kredittrisik<span class=\"_ _1\"></span>o, andr<span class=\"_ _1\"></span>e </span><span style=\"display:inherit;clear:left;\">enkle (<span class=\"_ _1\"></span>\u00abbasic\u00bb<span class=\"_ _1\"></span>) utl\u00e5nsrisik<span class=\"_ _1\"></span>oer (f<span class=\"_ _1\"></span>or eksempel likviditetsrisiko<span class=\"_ _1\"></span>) og </span><span style=\"display:inherit;clear:left;\">kostna<span class=\"_ _1\"></span>der (<span class=\"_ _1\"></span>for<span class=\"_ _1\"></span> eksempel admi<span class=\"_ _1\"></span>nistra<span class=\"_ _1\"></span>tive<span class=\"_ _1\"></span> kostna<span class=\"_ _1\"></span>der)<span class=\"_ _1\"></span> samt </span><span style=\"display:inherit;clear:left;\">fortjenestemargin. </span><span style=\"display:inherit;clear:left;\">Instrumenter<span class=\"_ _1\"></span> som i u<span class=\"_ _1\"></span>tgangspunktet kvalifiserer<span class=\"_ _1\"></span> for<span class=\"_ _1\"></span> amortiser<span class=\"_ _8\"></span>t </span><span style=\"display:inherit;clear:left;\">kost<span class=\"_ _2\"></span>-m\u00e5ling m\u00e5<span class=\"_ _1\"></span> deretter g<span class=\"_ _8\"></span>jennom en f<span class=\"_ _1\"></span>orretningsmodell-<span class=\"_ _2\"></span>test. </span><span style=\"display:inherit;clear:left;\">Denne g<span class=\"_ _8\"></span>j\u00f8res p\u00e5<span class=\"_ _1\"></span> portef\u00f8ljeniv\u00e5.<span class=\"_ _1\"></span> Gjeldsinstrumenter<span class=\"_ _1\"></span> skal m\u00e5les<span class=\"_ _1\"></span> </span><span style=\"display:inherit;clear:left;\">til amortisert kost dersom<span class=\"_ _1\"></span> instrument<span class=\"_ _1\"></span>ene holdes i en<span class=\"_ _1\"></span> </span><span style=\"display:inherit;clear:left;\">forret<span class=\"_ _8\"></span>ning<span class=\"_ _8\"></span>s <span class=\"_ _4\"></span>m<span class=\"_ _8\"></span>ode<span class=\"_ _8\"></span>ll hvor for<span class=\"_ _8\"></span>m\u00e5l<span class=\"_ _8\"></span>et er \u00e5 ho<span class=\"_ _8\"></span>lde i<span class=\"_ _8\"></span>nstr<span class=\"_ _8\"></span>ume<span class=\"_ _8\"></span>ntet for \u00e5 </span><span style=\"display:inherit;clear:left;\">motta kon<span class=\"_ _1\"></span>traktsmessige kon<span class=\"_ _1\"></span>tantstr\u00f8mmer<span class=\"_ _0\"></span>. I konsernr<span class=\"_ _1\"></span>egn-</span><span style=\"display:inherit;clear:left;\">skapet er<span class=\"_ _1\"></span> f\u00f8lgende<span class=\"_ _1\"></span> hovedpost<span class=\"_ _1\"></span>er m\u00e5lt<span class=\"_ _1\"></span> til amortisert kost:</span><span style=\"display:inherit;clear:left;\">\u2022 Utl\u00e5nsmasse<span class=\"_ _8\"></span>n med fly<span class=\"_ _1\"></span>tende rente<span class=\"ff4\"> </span></span><span style=\"display:inherit;clear:left;\">\u2022  <span class=\"_ _4\"></span>Fordri<span class=\"_ _8\"></span>nger p<span class=\"_ _8\"></span>\u00e5 kredit<span class=\"_ _1\"></span>tinsti<span class=\"_ _1\"></span>tusjone<span class=\"_ _8\"></span>r samt kon<span class=\"_ _1\"></span>tan<span class=\"_ _1\"></span>t<span class=\"_ _1\"></span>er og </span><span style=\"display:inherit;clear:left;\">f<span class=\"_ _1\"></span>ordringer p\u00e5 sen<span class=\"_ _1\"></span>t<span class=\"_ _1\"></span>ral<span class=\"_ _1\"></span>bank<span class=\"_ _1\"></span>er</span><span style=\"display:inherit;clear:left;\">\u2022  <span class=\"_ _4\"></span>Finansie<span class=\"_ _8\"></span>ll g<span class=\"_ _8\"></span>jeld m<span class=\"_ _8\"></span>ed fly<span class=\"_ _1\"></span>t<span class=\"_ _1\"></span>ende r<span class=\"_ _8\"></span>ent<span class=\"_ _1\"></span>e<span class=\"ff4\"> </span></span><span style=\"display:inherit;clear:left;\">Virkelig v<span class=\"_ _1\"></span>er<span class=\"_ _1\"></span>di med v<span class=\"_ _1\"></span>er<span class=\"_ _1\"></span>diendring<span class=\"_ _1\"></span>er o<span class=\"_ _1\"></span>v<span class=\"_ _1\"></span>er utvidet r<span class=\"_ _2\"></span>esultat (FV<span class=\"_ _1\"></span>OCI)</span><span style=\"display:inherit;clear:left;\">Instrumenter<span class=\"_ _1\"></span> med k<span class=\"_ _1\"></span>ontantstr\u00f8mmer<span class=\"_ _1\"></span> som bar<span class=\"_ _1\"></span>e er betaling<span class=\"_ _1\"></span> av<span class=\"_ _1\"></span> </span><span style=\"display:inherit;clear:left;\">rente og h<span class=\"_ _8\"></span>oveds<span class=\"_ _8\"></span>tol so<span class=\"_ _8\"></span>m b\u00e5de h<span class=\"_ _8\"></span>old<span class=\"_ _8\"></span>es for \u00e5 m<span class=\"_ _8\"></span>ott<span class=\"_ _8\"></span>a kontrak<span class=\"_ _8\"></span>t<span class=\"_ _8\"></span>s-</span><span style=\"display:inherit;clear:left;\">me<span class=\"_ _8\"></span>ssi<span class=\"_ _8\"></span>ge konta<span class=\"_ _8\"></span>ntst<span class=\"_ _8\"></span>r\u00f8mm<span class=\"_ _8\"></span>er og fo<span class=\"_ _8\"></span>r sal<span class=\"_ _8\"></span>g, sk<span class=\"_ _8\"></span>al m\u00e5l<span class=\"_ _8\"></span>es t<span class=\"_ _8\"></span>il vir<span class=\"_ _8\"></span>kelig </span><span style=\"display:inherit;clear:left;\">ver<span class=\"_ _1\"></span>di med v<span class=\"_ _1\"></span>erdiendring<span class=\"_ _1\"></span>er f\u00f8rt o<span class=\"_ _1\"></span>ver<span class=\"_ _1\"></span> utvidet resul<span class=\"_ _1\"></span>tatregnskap<span class=\"_ _1\"></span> </span><span style=\"display:inherit;clear:left;\">(OCI) m<span class=\"_ _8\"></span>ed rente<span class=\"_ _8\"></span>innte<span class=\"_ _8\"></span>kt o<span class=\"_ _8\"></span>g eventue<span class=\"_ _8\"></span>ll ne<span class=\"_ _8\"></span>dskr<span class=\"_ _8\"></span>ivn<span class=\"_ _8\"></span>ing f\u00f8r<span class=\"_ _8\"></span>t i de<span class=\"_ _8\"></span>t </span><span style=\"display:inherit;clear:left;\">ordi<span class=\"_ _8\"></span>n\u00e6re res<span class=\"_ _8\"></span>ult<span class=\"_ _8\"></span>atet. Dvs<span class=\"_ _8\"></span>. at inst<span class=\"_ _8\"></span>rum<span class=\"_ _8\"></span>entet b<span class=\"_ _8\"></span>alan<span class=\"_ _8\"></span>sef\u00f8re<span class=\"_ _8\"></span>s til </span><span style=\"display:inherit;clear:left;\">vir<span class=\"_ _8\"></span>kelig ve<span class=\"_ _8\"></span>rdi, rente<span class=\"_ _8\"></span>r og ne<span class=\"_ _8\"></span>dsk<span class=\"_ _8\"></span>rivn<span class=\"_ _8\"></span>ing fo<span class=\"_ _8\"></span>r kredi<span class=\"_ _8\"></span>tt<span class=\"_ _1\"></span>-<span class=\"_ _2\"></span>t<span class=\"_ _8\"></span>ap f\u00f8re<span class=\"_ _8\"></span>s i det </span><span style=\"display:inherit;clear:left;\">ordi<span class=\"_ _8\"></span>n\u00e6re res<span class=\"_ _8\"></span>ult<span class=\"_ _8\"></span>atet tils<span class=\"_ _8\"></span>varend<span class=\"_ _8\"></span>e som o<span class=\"_ _8\"></span>m inst<span class=\"_ _8\"></span>rum<span class=\"_ _8\"></span>entet had<span class=\"_ _8\"></span>de </span><span style=\"display:inherit;clear:left;\">v\u00e6rt m\u00e5lt ti<span class=\"_ _1\"></span>l amortisert kost<span class=\"_ _2\"></span>-m\u00e5ling, mens<span class=\"_ _1\"></span> \u00f8vrige<span class=\"_ _1\"></span> ver<span class=\"_ _1\"></span>di<span class=\"_ _1\"></span>-</span><span style=\"display:inherit;clear:left;\">endringer f<span class=\"_ _1\"></span>\u00f8res<span class=\"_ _1\"></span> over<span class=\"_ _1\"></span> utvidet r<span class=\"_ _1\"></span>esultatr<span class=\"_ _1\"></span>egnskap. I<span class=\"_ _1\"></span> morbankens<span class=\"_ _1\"></span> </span><span style=\"display:inherit;clear:left;\">selskapsregnskap<span class=\"_ _1\"></span> vil utl\u00e5nsmassen<span class=\"_ _1\"></span> med pant i<span class=\"_ _1\"></span> boligeiendom </span><span style=\"display:inherit;clear:left;\">me<span class=\"_ _8\"></span>d en vis<span class=\"_ _8\"></span>s sa<span class=\"_ _8\"></span>nnsyn<span class=\"_ _8\"></span>lig<span class=\"_ _8\"></span>het b<span class=\"_ _8\"></span>li so<span class=\"_ _8\"></span>lg<span class=\"_ _8\"></span>t i l\u00f8p<span class=\"_ _8\"></span>et av l\u00e5ne<span class=\"_ _8\"></span>ts l\u00f8<span class=\"_ _8\"></span>pet<span class=\"_ _8\"></span>id til </span><span style=\"display:inherit;clear:left;\">hel<span class=\"_ _8\"></span>eid d<span class=\"_ _8\"></span>atters<span class=\"_ _8\"></span>els<span class=\"_ _8\"></span>kap \u2013 Sp<span class=\"_ _8\"></span>areb<span class=\"_ _8\"></span>anken Vest B<span class=\"_ _8\"></span>oli<span class=\"_ _8\"></span>gk<span class=\"_ _8\"></span>redit<span class=\"_ _8\"></span>t AS<span class=\"_ _8\"></span>. Dis<span class=\"_ _8\"></span>se </span><span style=\"display:inherit;clear:left;\">utl\u00e5nene tilfr<span class=\"_ _1\"></span>edsstiller derfor<span class=\"_ _1\"></span> ikke<span class=\"_ _1\"></span> forr<span class=\"_ _1\"></span>etnings<span class=\"_ _1\"></span>-<span class=\"_ _1\"></span>modell-<span class=\"_ _2\"></span>testen </span><span style=\"display:inherit;clear:left;\">for am<span class=\"_ _8\"></span>or<span class=\"_ _8\"></span>tis<span class=\"_ _8\"></span>er<span class=\"_ _8\"></span>t kost og e<span class=\"_ _8\"></span>r f\u00f8lge<span class=\"_ _8\"></span>lig k<span class=\"_ _8\"></span>las<span class=\"_ _8\"></span>sif<span class=\"_ _8\"></span>iser<span class=\"_ _8\"></span>t t<span class=\"_ _8\"></span>il m\u00e5l<span class=\"_ _8\"></span>ing ti<span class=\"_ _8\"></span>l </span><span style=\"display:inherit;clear:left;\">virkelig<span class=\"_ _1\"></span> ver<span class=\"_ _1\"></span>di ov<span class=\"_ _1\"></span>er utvidet<span class=\"_ _1\"></span> resulta<span class=\"_ _1\"></span>tregnskap<span class=\"_ _1\"></span> i morbanken<span class=\"_ _1\"></span>s </span><span style=\"display:inherit;clear:left;\">selskapsregnskap. Konsernet har<span class=\"_ _1\"></span> ikke finansielle instrumenter<span class=\"_ _1\"></span> </span><span style=\"display:inherit;clear:left;\">klassifisert til virkelig<span class=\"_ _1\"></span> ver<span class=\"_ _1\"></span>di med v<span class=\"_ _1\"></span>erdiendring<span class=\"_ _1\"></span>er ov<span class=\"_ _1\"></span>er u<span class=\"_ _1\"></span>tvidet </span><span style=\"display:inherit;clear:left;\">resultat.</span><span style=\"display:inherit;clear:left;\">Virkelig v<span class=\"_ _1\"></span>er<span class=\"_ _1\"></span>di med v<span class=\"_ _1\"></span>er<span class=\"_ _1\"></span>diendring<span class=\"_ _1\"></span>er o<span class=\"_ _1\"></span>v<span class=\"_ _1\"></span>er r<span class=\"_ _1\"></span>esulta<span class=\"_ _1\"></span>t</span><span style=\"display:inherit;clear:left;\">s til virkelig<span class=\"_ _1\"></span> verdi<span class=\"_ _1\"></span> med </span><span style=\"display:inherit;clear:left;\">ver<span class=\"_ _1\"></span>diendring ov<span class=\"_ _1\"></span>er r<span class=\"_ _1\"></span>esultat.<span class=\"_ _1\"></span> Dette vil<span class=\"_ _1\"></span> typisk v\u00e6r<span class=\"_ _1\"></span>e instru<span class=\"_ _1\"></span>menter </span><span style=\"display:inherit;clear:left;\">som i<span class=\"_ _8\"></span>nng<span class=\"_ _8\"></span>\u00e5r i tradi<span class=\"_ _8\"></span>ng-por<span class=\"_ _8\"></span>tef\u00f8l<span class=\"_ _8\"></span>jer<span class=\"_ _1\"></span>, por<span class=\"_ _8\"></span>tef\u00f8l<span class=\"_ _8\"></span>jer so<span class=\"_ _8\"></span>m st<span class=\"_ _8\"></span>yres<span class=\"_ _8\"></span>, m\u00e5l<span class=\"_ _8\"></span>es </span><span style=\"display:inherit;clear:left;\">og rap<span class=\"_ _8\"></span>por<span class=\"_ _8\"></span>te<span class=\"_ _8\"></span>res til l<span class=\"_ _8\"></span>ed<span class=\"_ _8\"></span>else<span class=\"_ _8\"></span>n i hen<span class=\"_ _8\"></span>hol<span class=\"_ _8\"></span>d til vi<span class=\"_ _8\"></span>rkeli<span class=\"_ _8\"></span>g verdi o<span class=\"_ _8\"></span>g </span><span style=\"display:inherit;clear:left;\">po<span class=\"_ _8\"></span>rtef\u00f8<span class=\"_ _8\"></span>lje<span class=\"_ _8\"></span>r med fo<span class=\"_ _8\"></span>r stor<span class=\"_ _8\"></span>t omfa<span class=\"_ _8\"></span>ng av sal<span class=\"_ _8\"></span>g til \u00e5 fal<span class=\"_ _8\"></span>le inn i e<span class=\"_ _8\"></span>n av de </span><span style=\"display:inherit;clear:left;\">to \u00f8<span class=\"_ _1\"></span>vrige forr<span class=\"_ _1\"></span>etningsmodellene. Likviditetspor<span class=\"_ _8\"></span>tef\u00f8ljen </span><span style=\"display:inherit;clear:left;\">regnskapsf<span class=\"_ _1\"></span>\u00f8res i<span class=\"_ _1\"></span> henhold til denne<span class=\"_ _1\"></span> kat<span class=\"_ _1\"></span>egori. I<span class=\"_ _1\"></span> portef\u00f8ljen skjer<span class=\"_ _1\"></span> </span><span style=\"display:inherit;clear:left;\">det r<span class=\"_ _1\"></span>elativt mang<span class=\"_ _1\"></span>e tr<span class=\"_ _1\"></span>ansaksjoner f<span class=\"_ _1\"></span>or \u00e5 ti<span class=\"_ _1\"></span>lpasse kvalitet<span class=\"_ _1\"></span> og </span><span style=\"display:inherit;clear:left;\">st\u00f8rrelse<span class=\"_ _1\"></span> til ek<span class=\"_ _1\"></span>sterne og<span class=\"_ _1\"></span> interne<span class=\"_ _1\"></span> kra<span class=\"_ _1\"></span>v til<span class=\"_ _1\"></span> buffer<span class=\"_ _1\"></span>e. Innenf<span class=\"_ _1\"></span>or de<span class=\"_ _1\"></span> </span><span style=\"display:inherit;clear:left;\">ov<span class=\"_ _1\"></span>erordnede<span class=\"_ _1\"></span> kra<span class=\"_ _1\"></span>v s<span class=\"_ _1\"></span>kal en dessuten<span class=\"_ _1\"></span> til enh<span class=\"_ _1\"></span>ver<span class=\"_ _1\"></span> tid maksi<span class=\"_ _1\"></span>mere </span><span style=\"display:inherit;clear:left;\">avk<span class=\"_ _1\"></span>astningen. Li<span class=\"_ _1\"></span>kviditetsreserven gener<span class=\"_ _1\"></span>erer<span class=\"_ _1\"></span> kredittrisik<span class=\"_ _1\"></span>o og<span class=\"_ _1\"></span> </span><span style=\"display:inherit;clear:left;\">det er<span class=\"_ _1\"></span> avkas<span class=\"_ _1\"></span>tningsm\u00e5l p\u00e5<span class=\"_ _1\"></span> rammen<span class=\"_ _1\"></span> for<span class=\"_ _1\"></span> denne risik<span class=\"_ _1\"></span>oen. </span><span style=\"display:inherit;clear:left;\">Likviditetsbeho<span class=\"_ _8\"></span>ldningen styres, m\u00e5les og r<span class=\"_ _1\"></span>apporteres til </span><span style=\"display:inherit;clear:left;\">ledelsen i henhold ti<span class=\"_ _1\"></span>l virk<span class=\"_ _1\"></span>elig ver<span class=\"_ _1\"></span>di.</span><span style=\"display:inherit;clear:left;\">Ins<span class=\"_ _8\"></span>trum<span class=\"_ _8\"></span>enter s<span class=\"_ _8\"></span>om et<span class=\"_ _8\"></span>ter b<span class=\"_ _8\"></span>esk<span class=\"_ _8\"></span>revne te<span class=\"_ _8\"></span>ster s<span class=\"_ _8\"></span>kal m\u00e5<span class=\"_ _8\"></span>le<span class=\"_ _8\"></span>s til </span><span style=\"display:inherit;clear:left;\">amortiser<span class=\"_ _8\"></span>t k<span class=\"_ _1\"></span>ost eller<span class=\"_ _1\"></span> virkelig<span class=\"_ _1\"></span> ver<span class=\"_ _1\"></span>di med v<span class=\"_ _1\"></span>erdiendring<span class=\"_ _1\"></span>er ov<span class=\"_ _1\"></span>er OCI<span class=\"_ _1\"></span> </span><span style=\"display:inherit;clear:left;\">kan l<span class=\"_ _8\"></span>ikevel utp<span class=\"_ _8\"></span>eke<span class=\"_ _8\"></span>s til m\u00e5<span class=\"_ _8\"></span>ling t<span class=\"_ _8\"></span>il vi<span class=\"_ _8\"></span>rkeli<span class=\"_ _8\"></span>g verdi over re<span class=\"_ _8\"></span>sult<span class=\"_ _8\"></span>at </span><span style=\"display:inherit;clear:left;\">der<span class=\"_ _8\"></span>som d<span class=\"_ _8\"></span>ette t<span class=\"_ _8\"></span>ar vek<span class=\"_ _8\"></span>k elle<span class=\"_ _8\"></span>r vese<span class=\"_ _8\"></span>ntli<span class=\"_ _8\"></span>g redu<span class=\"_ _8\"></span>serer et re<span class=\"_ _8\"></span>gns<span class=\"_ _8\"></span>kap<span class=\"_ _8\"></span>s-</span><span style=\"display:inherit;clear:left;\">messig misforhold (\u00aba<span class=\"_ _1\"></span>ccounting mismat<span class=\"_ _1\"></span>ch\u00bb<span class=\"_ _1\"></span>).</span><span style=\"display:inherit;clear:left;\">Utl\u00e5n med f<span class=\"_ _1\"></span>ast rent<span class=\"_ _1\"></span>e <span class=\"ff4 ls5 ws5\">er klassifisert under denne<span class=\"_ _1\"></span> kat<span class=\"_ _1\"></span>egori. </span></span><span style=\"display:inherit;clear:left;\">Det<span class=\"_ _8\"></span>te so<span class=\"_ _8\"></span>m f\u00f8lge av at ban<span class=\"_ _8\"></span>ken sik<span class=\"_ _8\"></span>rer renter<span class=\"_ _8\"></span>isiko<span class=\"_ _8\"></span>en ti<span class=\"_ _8\"></span>l denn<span class=\"_ _8\"></span>e </span><span style=\"display:inherit;clear:left;\">vesentlige<span class=\"_ _1\"></span> balanseposten med<span class=\"_ _1\"></span> deriva<span class=\"_ _1\"></span>ter<span class=\"_ _0\"></span>. Sistnevnte<span class=\"_ _1\"></span> skal alltid<span class=\"_ _1\"></span> </span><span style=\"display:inherit;clear:left;\">m\u00e5l<span class=\"_ _8\"></span>es ti<span class=\"_ _8\"></span>l vir<span class=\"_ _8\"></span>kelig ve<span class=\"_ _8\"></span>rdi over res<span class=\"_ _8\"></span>ultat o<span class=\"_ _8\"></span>g en reg<span class=\"_ _8\"></span>nska<span class=\"_ _8\"></span>psf\u00f8<span class=\"_ _8\"></span>ring av </span><span style=\"display:inherit;clear:left;\">utl\u00e5nene til<span class=\"_ _1\"></span> amortiser<span class=\"_ _8\"></span>t k<span class=\"_ _1\"></span>ost vil<span class=\"_ _1\"></span> s\u00e5ledes medf\u00f8re<span class=\"_ _1\"></span> vesentlig<span class=\"_ _1\"></span>e </span><span style=\"display:inherit;clear:left;\">flu<span class=\"_ _8\"></span>ktu<span class=\"_ _8\"></span>asj<span class=\"_ _8\"></span>one<span class=\"_ _8\"></span>r i resul<span class=\"_ _8\"></span>tatet. E<span class=\"_ _8\"></span>n bok<span class=\"_ _8\"></span>f\u00f8r<span class=\"_ _8\"></span>ing t<span class=\"_ _8\"></span>il vir<span class=\"_ _8\"></span>kelig ve<span class=\"_ _8\"></span>rdi me<span class=\"_ _8\"></span>d </span><span style=\"display:inherit;clear:left;\">ver<span class=\"_ _1\"></span>diendringer o<span class=\"_ _1\"></span>ver<span class=\"_ _1\"></span> resulta<span class=\"_ _1\"></span>t vil<span class=\"_ _1\"></span> medf\u00f8r<span class=\"_ _1\"></span>e en mer<span class=\"_ _1\"></span> harmonisert </span><span style=\"display:inherit;clear:left;\">sammenstilling a<span class=\"_ _1\"></span>v r<span class=\"_ _1\"></span>esultat<span class=\"_ _1\"></span>ene til<span class=\"_ _1\"></span> deriva<span class=\"_ _1\"></span>tene og<span class=\"_ _1\"></span> ver<span class=\"_ _1\"></span>diendring p\u00e5 </span><span style=\"display:inherit;clear:left;\">utl\u00e5nene. </span><span style=\"display:inherit;clear:left;\">Av<span class=\"_ _1\"></span> samme \u00e5rsak er<span class=\"_ _1\"></span> banken<span class=\"_ _1\"></span>s <span class=\"ff8 ls0 ws0\">finansi<span class=\"_ _8\"></span>ell<span class=\"_ _8\"></span>e gje<span class=\"_ _8\"></span>ld med fast rent<span class=\"_ _1\"></span>e </span></span><span style=\"display:inherit;clear:left;\">klassifisert under denne ka<span class=\"_ _1\"></span>tegori.<span class=\"_ _1\"></span> Sistnevn<span class=\"_ _1\"></span>te omf<span class=\"_ _1\"></span>a<span class=\"_ _1\"></span>tter g<span class=\"_ _8\"></span>jeld til<span class=\"_ _1\"></span> </span><span style=\"display:inherit;clear:left;\">kredittinstitusjoner<span class=\"_ _2\"></span>, innskudd samt g<span class=\"_ _8\"></span>jeld stiftet ved u<span class=\"_ _1\"></span>tstedelse </span><span style=\"display:inherit;clear:left;\">av<span class=\"_ _1\"></span> ver<span class=\"_ _1\"></span>dipapirer<span class=\"_ _1\"></span> med f<span class=\"_ _1\"></span>ast r<span class=\"_ _1\"></span>ente.<span class=\"_ _1\"></span> </span><span style=\"display:inherit;clear:left;\">Investeringer<span class=\"_ _1\"></span> i <span class=\"ff8 lsd wsd\">egenk<span class=\"_ _1\"></span>a<span class=\"_ _1\"></span>pi<span class=\"_ _1\"></span>ta<span class=\"_ _1\"></span>lins<span class=\"_ _1\"></span>t<span class=\"_ _1\"></span>rumen<span class=\"_ _1\"></span>t<span class=\"_ _1\"></span>er<span class=\"_ _1\"></span> <span class=\"ff4 lse wse\">skal m\u00e5les til virk<span class=\"_ _1\"></span>elig </span></span></span><span style=\"display:inherit;clear:left;\">verdi.<span class=\"_ _1\"></span> V<span class=\"_ _1\"></span>erdiendringer skal<span class=\"_ _1\"></span> som hovedr<span class=\"_ _1\"></span>egel f<span class=\"_ _1\"></span>\u00f8res i det<span class=\"_ _1\"></span> ordin\u00e6re<span class=\"_ _1\"></span> </span><span style=\"display:inherit;clear:left;\">resulta<span class=\"_ _1\"></span>t, men et<span class=\"_ _1\"></span> egenkapitalinstru<span class=\"_ _1\"></span>ment kan<span class=\"_ _1\"></span> utpekes som<span class=\"_ _1\"></span> m\u00e5lt </span><span style=\"display:inherit;clear:left;\">til v<span class=\"_ _8\"></span>irkel<span class=\"_ _8\"></span>ig verdi m<span class=\"_ _8\"></span>ed verd<span class=\"_ _8\"></span>ien<span class=\"_ _8\"></span>drin<span class=\"_ _8\"></span>ger f\u00f8r<span class=\"_ _8\"></span>t mot ut<span class=\"_ _8\"></span>vi<span class=\"_ _8\"></span>det re<span class=\"_ _8\"></span>sult<span class=\"_ _8\"></span>at<span class=\"_ _2\"></span>-</span><span style=\"display:inherit;clear:left;\">regnskap.<span class=\"_ _1\"></span> Sparebank<span class=\"_ _1\"></span>en V<span class=\"_ _1\"></span>est<span class=\"_ _1\"></span> har v<span class=\"_ _1\"></span>algt \u00e5 ikke<span class=\"_ _1\"></span> anv<span class=\"_ _1\"></span>ende </span><span style=\"display:inherit;clear:left;\">regnskapsf\u00f8ring ov<span class=\"_ _1\"></span>er utvidet resulta<span class=\"_ _1\"></span>t.</span><span style=\"display:inherit;clear:left;\">All<span class=\"_ _8\"></span>e der<span class=\"_ _8\"></span>ivater sk<span class=\"_ _8\"></span>al i ut<span class=\"_ _8\"></span>gan<span class=\"_ _8\"></span>gspun<span class=\"_ _8\"></span>kt<span class=\"_ _8\"></span>et m\u00e5l<span class=\"_ _8\"></span>es ti<span class=\"_ _8\"></span>l virke<span class=\"_ _8\"></span>lig verd<span class=\"_ _8\"></span>i med </span><span style=\"display:inherit;clear:left;\">sikringsinstrumenter skal r<span class=\"_ _1\"></span>egnskapsf\u00f8res i tr<span class=\"_ _1\"></span>\u00e5d med </span><span style=\"display:inherit;clear:left;\">ver<span class=\"_ _1\"></span>diendring i r<span class=\"_ _1\"></span>esultat,<span class=\"_ _1\"></span> men deriv<span class=\"_ _1\"></span>at<span class=\"_ _1\"></span>er som er<span class=\"_ _1\"></span> utpekt som </span><span style=\"display:inherit;clear:left;\">prinsippene for sikringsbokf\u00f8ring</span>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForFinancialInstrumentsExplanatory",
    "language": "no",
    "entity": "scheme:213800M7T3CYVZ3ZRT12",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "s10_notes__6__28-1": {
   "value": "<span style=\"display:inherit;clear:left;\">Note<span class=\"_ _8\"></span> 3 S<span class=\"_ _8\"></span>e<span class=\"_ _8\"></span>g<span class=\"_ _8\"></span>ment<span class=\"_ _8\"></span>i<span class=\"_ _8\"></span>n<span class=\"_ _8\"></span>f<span class=\"_ _2\"></span>or<span class=\"_ _8\"></span>m<span class=\"_ _8\"></span>asjo<span class=\"_ _8\"></span>n</span><span style=\"display:inherit;clear:left;\">Konsernledelsen h<span class=\"_ _1\"></span>ar vurdert h<span class=\"_ _1\"></span>vilke<span class=\"_ _1\"></span> segmenter som<span class=\"_ _1\"></span> er </span><span style=\"display:inherit;clear:left;\">hen<span class=\"_ _8\"></span>sik<span class=\"_ _8\"></span>tsm<span class=\"_ _8\"></span>es<span class=\"_ _8\"></span>sig \u00e5 ra<span class=\"_ _8\"></span>ppo<span class=\"_ _8\"></span>rt<span class=\"_ _8\"></span>ere p\u00e5 i for<span class=\"_ _8\"></span>hol<span class=\"_ _8\"></span>d til st<span class=\"_ _8\"></span>yr<span class=\"_ _8\"></span>ing og ko<span class=\"_ _8\"></span>ntrol<span class=\"_ _8\"></span>l. </span><span style=\"display:inherit;clear:left;\">Segmentene er i<span class=\"_ _1\"></span>nndelt i Bedriftsmark<span class=\"_ _1\"></span>ed, Priva<span class=\"_ _1\"></span>tmark<span class=\"_ _1\"></span>ed, Bulder<span class=\"_ _2\"></span>, </span><span style=\"display:inherit;clear:left;\">T<span class=\"_ _2\"></span>reasur<span class=\"_ _8\"></span>y og Eiendomsmegling<span class=\"_ _8\"></span>. Driftskostnadene er dir<span class=\"_ _1\"></span>ekte </span><span style=\"display:inherit;clear:left;\">allokert, med unn<span class=\"_ _1\"></span>tak a<span class=\"_ _1\"></span>v IT<span class=\"_ _0\"></span>-kostna<span class=\"_ _1\"></span>der<span class=\"_ _2\"></span>, stabsrela<span class=\"_ _1\"></span>terte k<span class=\"_ _1\"></span>ostnader<span class=\"_ _1\"></span> </span><span style=\"display:inherit;clear:left;\">og a<span class=\"_ _1\"></span>vskrivinge<span class=\"_ _1\"></span>r<span class=\"_ _2\"></span>. Inndelingen<span class=\"_ _1\"></span> er basert p\u00e5 int<span class=\"_ _1\"></span>ern </span><span style=\"display:inherit;clear:left;\">ledelsesrapportering og r<span class=\"_ _1\"></span>essursallokering. Nettor<span class=\"_ _1\"></span>ente<span class=\"_ _1\"></span> er </span><span style=\"display:inherit;clear:left;\">allokert p\u00e5 grunnlag a<span class=\"_ _1\"></span>v<span class=\"_ _1\"></span> intern<span class=\"_ _1\"></span>t beregnet<span class=\"_ _1\"></span> mellomregningsr<span class=\"_ _1\"></span>ente<span class=\"_ _1\"></span> </span><span style=\"display:inherit;clear:left;\"><span><span style=\"display:inherit;clear:left;\">bas<span class=\"_ _8\"></span>er<span class=\"_ _8\"></span>t p\u00e5 3 mn<span class=\"_ _8\"></span>d NIB<span class=\"_ _8\"></span>OR</span></span><span class=\"_ _8\"></span>.</span><span style=\"display:inherit;clear:left;\">Bankvirksomhet</span><span style=\"display:inherit;clear:left;\">Ikke<span class=\"_ _1\"></span> </span><span style=\"display:inherit;clear:left;\">Be<span class=\"_ _8\"></span>d<span class=\"_ _8\"></span>ri<span class=\"_ _8\"></span>ft<span class=\"_ _8\"></span>s-</span><span style=\"display:inherit;clear:left;\">P<span class=\"_ _8\"></span>r<span class=\"_ _8\"></span>i<span class=\"_ _a\"></span>v<span class=\"_ _8\"></span>a<span class=\"_ _8\"></span>t-</span><span style=\"display:inherit;clear:left;\">Eiendoms-</span><span style=\"display:inherit;clear:left;\">segment<span class=\"_ _2\"></span>-</span><span style=\"display:inherit;clear:left;\">marked</span><span style=\"display:inherit;clear:left;\">marked<span class=\"_ _5b\"> </span><span class=\"lsd wsd\">Bulder<span class=\"_ _d2\"> </span><span class=\"ls61 wsb5\">Tr<span class=\"_ _8\"></span>e<span class=\"_ _a\"></span>a<span class=\"_ _a\"></span>s<span class=\"_ _8\"></span>u<span class=\"_ _a\"></span>r<span class=\"_ _a\"></span>y</span></span></span><span style=\"display:inherit;clear:left;\">megling</span><span style=\"display:inherit;clear:left;\">ford<span class=\"_ _8\"></span>elt<span class=\"_ _85\"> </span><span class=\"lsd wsd\">Sum</span></span><span style=\"display:inherit;clear:left;\">KONSERN</span><span style=\"display:inherit;clear:left;\">2023</span><span style=\"display:inherit;clear:left;\">Re<span class=\"_ _8\"></span>su<span class=\"_ _8\"></span>lt<span class=\"_ _8\"></span>at</span><span style=\"display:inherit;clear:left;\">Netto r<span class=\"_ _1\"></span>ente<span class=\"_ _1\"></span>- og kr<span class=\"_ _1\"></span>edittpro<span class=\"_ _1\"></span>visjonsinnt<span class=\"_ _1\"></span>ekter<span class=\"_ _110\"> </span><span class=\"ls4a ws9d\">1<span class=\"_ _8\"></span> 824<span class=\"_ _131\"> </span><span class=\"ls133 ws1e0\">2<span class=\"_ _8\"></span> 409<span class=\"_ _12\"> </span><span class=\"ls9 ws9\">55<span class=\"_ _94\"> </span><span class=\"ls0 ws0\">951<span class=\"_ _9a\"> </span>2<span class=\"_ _8b\"> </span>0<span class=\"_ _c9\"> </span></span></span></span>5<span class=\"_ _8\"></span> 242</span></span><span style=\"display:inherit;clear:left;\">Net<span class=\"_ _1\"></span>to andr<span class=\"_ _1\"></span>e driftsinn<span class=\"_ _1\"></span>tekt<span class=\"_ _1\"></span>er<span class=\"_ _199\"> </span></span><span style=\"display:inherit;clear:left;\">349<span class=\"_ _108\"> </span><span class=\"ls13e ws1ec\">47<span class=\"_ _8\"></span>3<span class=\"_ _92\"> </span></span></span><span style=\"display:inherit;clear:left;\">2<span class=\"_ _93\"> </span></span><span style=\"display:inherit;clear:left;\">-<span class=\"_ _8\"></span>41<span class=\"_ _86\"> </span><span class=\"ls125 ws1cf\">260<span class=\"_ _9a\"> </span></span></span><span style=\"display:inherit;clear:left;\">0<span class=\"_ _c9\"> </span>1 044</span><span style=\"display:inherit;clear:left;\">Driftskos<span class=\"_ _1\"></span>tnader<span class=\"_ _128\"> </span></span><span style=\"display:inherit;clear:left;\">-1<span class=\"_ _8\"></span>3<span class=\"_ _8\"></span>3<span class=\"_ _107\"> </span></span><span style=\"display:inherit;clear:left;\">-<span class=\"_ _8\"></span>373<span class=\"_ _74\"> </span></span><span style=\"display:inherit;clear:left;\">-83<span class=\"_ _72\"> </span></span><span style=\"display:inherit;clear:left;\">-1<span class=\"_ _a\"></span>6<span class=\"_ _8e\"> </span><span class=\"ls125 ws1cf\">-26<span class=\"_ _8\"></span>1<span class=\"_ _cd\"> </span></span></span><span style=\"display:inherit;clear:left;\">-906<span class=\"_ _19a\"> </span>-<span class=\"_ _1\"></span>1 77<span class=\"_ _2\"></span>2</span><span style=\"display:inherit;clear:left;\">Nedskrivninger p\u00e5 utl\u00e5n og tap p\u00e5 gar<span class=\"_ _1\"></span>an<span class=\"_ _1\"></span>tier<span class=\"_ _41\"> </span></span><span style=\"display:inherit;clear:left;\">-24<span class=\"_ _94\"> </span></span><span style=\"display:inherit;clear:left;\">-60<span class=\"_ _11\"> </span><span class=\"ls6 ws6\">-1<span class=\"_ _8\"></span>1<span class=\"_ _1d\"> </span></span></span><span style=\"display:inherit;clear:left;\">0<span class=\"_ _8b\"> </span>0<span class=\"_ _94\"> </span><span class=\"ls133 ws1e0\">-95</span></span><span style=\"display:inherit;clear:left;\">Resulta<span class=\"_ _1\"></span>t f<span class=\"_ _1\"></span>\u00f8r ska<span class=\"_ _2\"></span>ttekos<span class=\"_ _1\"></span>tnad<span class=\"_ _11e\"> </span>2 016<span class=\"_ _d8\"> </span>2 44<span class=\"_ _1\"></span>9<span class=\"_ _74\"> </span></span><span style=\"display:inherit;clear:left;\">-37<span class=\"_ _189\"> </span><span class=\"ls121 wsaa\">895<span class=\"_ _10\"> </span></span></span><span style=\"display:inherit;clear:left;\">2<span class=\"_ _dd\"> </span>-906<span class=\"_ _19a\"> </span>4 4<span class=\"_ _1\"></span>18</span><span style=\"display:inherit;clear:left;\">Ska<span class=\"_ _1\"></span>tt<span class=\"_ _1\"></span>ekos<span class=\"_ _1\"></span>tnad<span class=\"_ _19b\"> </span><span class=\"ls140 ws1ee\">-<span class=\"_ _a\"></span>8<span class=\"_ _a\"></span>74</span></span><span style=\"display:inherit;clear:left;\">Resulta<span class=\"_ _1\"></span>t f<span class=\"_ _1\"></span>or r<span class=\"_ _1\"></span>egnskaps\u00e5r<span class=\"_ _1\"></span>e<span class=\"_ _1\"></span>t<span class=\"_ _19c\"> </span><span class=\"ls83 wsdd\">3 545</span></span><span style=\"display:inherit;clear:left;\">Balanse</span><span style=\"display:inherit;clear:left;\">Net<span class=\"_ _1\"></span>to utl\u00e5n<span class=\"_ _18b\"> </span><span class=\"ls82 ws14b\">56 3<span class=\"_ _8\"></span>50<span class=\"_ _113\"> </span></span>152 621<span class=\"_ _c6\"> </span>46 796<span class=\"_ _8b\"> </span>0<span class=\"_ _8b\"> </span>0<span class=\"_ _9a\"> </span>0<span class=\"_ _10e\"> </span><span class=\"ls4a ws9d\">25<span class=\"_ _8\"></span>5<span class=\"_ _8\"></span> 767</span></span><span style=\"display:inherit;clear:left;\">Innskudd<span class=\"_ _150\"> </span><span class=\"ls131 ws1dd\">41<span class=\"_ _8\"></span> 5<span class=\"_ _a\"></span>37<span class=\"_ _ea\"> </span></span>63 70<span class=\"_ _1\"></span>4<span class=\"_ _d4\"> </span>8 190<span class=\"_ _d8\"> </span><span class=\"ls123 ws1cd\">10 167<span class=\"_ _e9\"> </span></span>0<span class=\"_ _9a\"> </span>0<span class=\"_ _c3\"> </span>123 599</span><span style=\"display:inherit;clear:left;\">2022</span><span style=\"display:inherit;clear:left;\">Resulta<span class=\"_ _1\"></span>t</span><span style=\"display:inherit;clear:left;\">Net<span class=\"_ _1\"></span>to r<span class=\"_ _1\"></span>en<span class=\"_ _1\"></span>te- og kr<span class=\"_ _1\"></span>edit<span class=\"_ _1\"></span>tpr<span class=\"_ _1\"></span>ovisjonsinn<span class=\"_ _1\"></span>t<span class=\"_ _1\"></span>ekter<span class=\"_ _112\"> </span></span><span style=\"display:inherit;clear:left;\">1<span class=\"_ _8\"></span> 525<span class=\"_ _89\"> </span></span><span style=\"display:inherit;clear:left;\">1<span class=\"_ _8\"></span> 979<span class=\"_ _14\"> </span></span><span style=\"display:inherit;clear:left;\">60<span class=\"_ _8e\"> </span><span class=\"ls125 ws1cf\">42<span class=\"_ _8\"></span>9<span class=\"_ _9a\"> </span></span></span><span style=\"display:inherit;clear:left;\">0<span class=\"_ _8b\"> </span>0<span class=\"_ _dc\"> </span><span class=\"ls108 ws16a\">3 994</span></span><span style=\"display:inherit;clear:left;\">Net<span class=\"_ _1\"></span>to andr<span class=\"_ _1\"></span>e driftsinn<span class=\"_ _1\"></span>tekt<span class=\"_ _1\"></span>er<span class=\"_ _19d\"> </span></span><span style=\"display:inherit;clear:left;\">289<span class=\"_ _9b\"> </span></span><span style=\"display:inherit;clear:left;\">445<span class=\"_ _e9\"> </span></span><span style=\"display:inherit;clear:left;\">-1<span class=\"_ _6f\"> </span></span><span style=\"display:inherit;clear:left;\">267<span class=\"_ _65\"> </span><span class=\"ls83 wsdd\">250<span class=\"_ _9a\"> </span></span></span><span style=\"display:inherit;clear:left;\">0<span class=\"_ _cb\"> </span><span class=\"ls83 wsdd\">1 25<span class=\"_ _8\"></span>0</span></span><span style=\"display:inherit;clear:left;\">Driftskos<span class=\"_ _1\"></span>tnader<span class=\"_ _128\"> </span><span class=\"ls6 ws6\">-1<span class=\"_ _8\"></span>3<span class=\"_ _8\"></span>5<span class=\"_ _87\"> </span><span class=\"ls84 wsdf\">-3<span class=\"_ _8\"></span>50<span class=\"_ _93\"> </span><span class=\"ls134 ws1e1\">-7<span class=\"_ _8\"></span>5<span class=\"_ _14\"> </span><span class=\"ls129 ws1d3\">-1<span class=\"_ _8\"></span>5<span class=\"_ _85\"> </span><span class=\"ls13e ws1ec\">-<span class=\"_ _a\"></span>247<span class=\"_ _83\"> </span><span class=\"ls82 ws14b\">-866<span class=\"_ _19a\"> </span></span></span></span></span></span>-1<span class=\"_ _8\"></span> 6<span class=\"_ _8\"></span>87</span></span><span style=\"display:inherit;clear:left;\">Nedskrivninger p\u00e5 utl\u00e5n og tap p\u00e5 gar<span class=\"_ _1\"></span>an<span class=\"_ _1\"></span>tier<span class=\"_ _e6\"> </span></span><span style=\"display:inherit;clear:left;\">-40<span class=\"_ _11\"> </span></span><span style=\"display:inherit;clear:left;\">-1<span class=\"_ _8\"></span>1<span class=\"_ _8d\"> </span><span class=\"ls84 wsdf\">-2<span class=\"_ _9a\"> </span></span></span><span style=\"display:inherit;clear:left;\">0<span class=\"_ _8b\"> </span>0<span class=\"_ _9a\"> </span>0<span class=\"_ _94\"> </span><span class=\"ls138 ws1e5\">-52</span></span><span style=\"display:inherit;clear:left;\">Resulta<span class=\"_ _1\"></span>t f<span class=\"_ _1\"></span>\u00f8r ska<span class=\"_ _2\"></span>ttekos<span class=\"_ _1\"></span>tnad<span class=\"_ _19e\"> </span>1 640<span class=\"_ _db\"> </span>2 063<span class=\"_ _1b\"> </span></span><span style=\"display:inherit;clear:left;\">-1<span class=\"_ _8\"></span>7<span class=\"_ _8e\"> </span><span class=\"lsf2 ws154\">6<span class=\"_ _8\"></span>80<span class=\"_ _9a\"> </span></span></span><span style=\"display:inherit;clear:left;\">3</span><span style=\"display:inherit;clear:left;\"><span class=\"_ _89\"> </span><span class=\"ls82 ws14b\">-866<span class=\"_ _db\"> </span><span class=\"ls13b ws1e8\">3 504</span></span></span><span style=\"display:inherit;clear:left;\">Ska<span class=\"_ _1\"></span>tt<span class=\"_ _1\"></span>ekos<span class=\"_ _1\"></span>tnad<span class=\"_ _19b\"> </span><span class=\"ls132 ws1de\">-6<span class=\"_ _8\"></span>87</span></span><span style=\"display:inherit;clear:left;\">Resulta<span class=\"_ _1\"></span>t f<span class=\"_ _1\"></span>or r<span class=\"_ _1\"></span>egnskaps\u00e5r<span class=\"_ _1\"></span>e<span class=\"_ _1\"></span>t<span class=\"_ _19f\"> </span>2 817</span><span style=\"display:inherit;clear:left;\">Balanse</span><span style=\"display:inherit;clear:left;\">Net<span class=\"_ _1\"></span>to utl\u00e5n<span class=\"_ _1a0\"> </span><span class=\"ls31 ws81\">50<span class=\"_ _8\"></span> 758<span class=\"_ _ea\"> </span></span>149 511<span class=\"_ _a5\"> </span>2<span class=\"_ _1\"></span>4 225<span class=\"_ _e9\"> </span>0<span class=\"_ _9a\"> </span>0<span class=\"_ _8b\"> </span>0<span class=\"_ _58\"> </span>224 4<span class=\"_ _1\"></span>94</span><span style=\"display:inherit;clear:left;\">Innskudd<span class=\"_ _17f\"> </span><span class=\"ls136 ws1e3\">39 256<span class=\"_ _9e\"> </span></span>61 44<span class=\"_ _2\"></span>7<span class=\"_ _dc\"> </span></span><span style=\"display:inherit;clear:left;\">4 395<span class=\"_ _89\"> </span><span class=\"ls10 ws10\">7 177<span class=\"_ _9a\"> </span></span></span><span style=\"display:inherit;clear:left;\">0</span><span style=\"display:inherit;clear:left;\"><span class=\"_ _8b\"> </span></span><span style=\"display:inherit;clear:left;\">0</span><span style=\"display:inherit;clear:left;\"><span class=\"_ _c6\"> </span></span><span style=\"display:inherit;clear:left;\">112 27<span class=\"_ _0\"></span>4</span><span style=\"display:inherit;clear:left;\">No<span class=\"_ _1\"></span>te 4 Klassifi<span class=\"_ _8\"></span>kas<span class=\"_ _1\"></span>jon a<span class=\"_ _2\"></span>v finansielle instrument<span class=\"_ _1\"></span>er</span><span style=\"display:inherit;clear:left;\">Finansielle eiendeler<span class=\"_ _1\"></span> og g<span class=\"_ _8\"></span>jeld er v<span class=\"_ _1\"></span>erdsa<span class=\"_ _1\"></span>tt og klassifisert i </span><span style=\"display:inherit;clear:left;\">sam<span class=\"_ _8\"></span>svar me<span class=\"_ _8\"></span>d IFR<span class=\"_ _8\"></span>S 9.</span><span style=\"display:inherit;clear:left;\">Innr<span class=\"_ _1\"></span>egning og fr<span class=\"_ _1\"></span>ar<span class=\"_ _1\"></span>egning</span><span style=\"display:inherit;clear:left;\">Finansielle eiendeler<span class=\"_ _1\"></span> og forpliktelser<span class=\"_ _1\"></span> balansef\u00f8r<span class=\"_ _1\"></span>es p\u00e5 de<span class=\"_ _1\"></span>t </span><span style=\"display:inherit;clear:left;\">tidspunkt konsernet blir part i instrumentets k<span class=\"_ _1\"></span>ontraktsmessige </span><span style=\"display:inherit;clear:left;\">betingelser<span class=\"_ _2\"></span>. Finans<span class=\"_ _1\"></span>ielle eiendeler og<span class=\"_ _1\"></span> finansielle f<span class=\"_ _1\"></span>orpliktelser </span><span style=\"display:inherit;clear:left;\">frareg<span class=\"_ _8\"></span>ne<span class=\"_ _8\"></span>s p\u00e5 det t<span class=\"_ _8\"></span>ids<span class=\"_ _8\"></span>punk<span class=\"_ _8\"></span>t he<span class=\"_ _8\"></span>nho<span class=\"_ _8\"></span>ldsv<span class=\"_ _8\"></span>is forde<span class=\"_ _8\"></span>len e<span class=\"_ _8\"></span>lle<span class=\"_ _8\"></span>r </span><span style=\"display:inherit;clear:left;\">forpliktelsen som<span class=\"_ _1\"></span> f\u00f8lger<span class=\"_ _1\"></span> a<span class=\"_ _1\"></span>v kon<span class=\"_ _1\"></span>traktsmessige betingelser<span class=\"_ _1\"></span> er </span><span style=\"display:inherit;clear:left;\">innfridd, kansellert eller utl\u00f8pt.</span><span style=\"display:inherit;clear:left;\">En fi<span class=\"_ _8\"></span>nans<span class=\"_ _8\"></span>iel<span class=\"_ _8\"></span>l eien<span class=\"_ _8\"></span>del k<span class=\"_ _8\"></span>an ogs<span class=\"_ _8\"></span>\u00e5 frareg<span class=\"_ _8\"></span>ne<span class=\"_ _8\"></span>s og in<span class=\"_ _8\"></span>nreg<span class=\"_ _8\"></span>nes p<span class=\"_ _8\"></span>\u00e5 nyt<span class=\"_ _8\"></span>t </span><span style=\"display:inherit;clear:left;\">der<span class=\"_ _8\"></span>som d<span class=\"_ _8\"></span>enne h<span class=\"_ _8\"></span>ar v\u00e6r<span class=\"_ _8\"></span>t g<span class=\"_ _8\"></span>j<span class=\"_ _8\"></span>ens<span class=\"_ _8\"></span>tan<span class=\"_ _8\"></span>d for st\u00f8<span class=\"_ _8\"></span>rre end<span class=\"_ _8\"></span>rin<span class=\"_ _8\"></span>ger<span class=\"_ _2\"></span>. I s<span class=\"_ _8\"></span>like </span><span style=\"display:inherit;clear:left;\">tilfeller blir endring i<span class=\"_ _1\"></span> kontr<span class=\"_ _1\"></span>aktsvilk\u00e5r<span class=\"_ _2\"></span>, vesentligh<span class=\"_ _8\"></span>et, samt<span class=\"_ _1\"></span> andre </span><span style=\"display:inherit;clear:left;\">kommersielle vilk\u00e5r vur<span class=\"_ _1\"></span>dert.</span><span style=\"display:inherit;clear:left;\">Finansielle eiendeler<span class=\"_ _1\"></span> som selges f<span class=\"_ _1\"></span>ra<span class=\"_ _1\"></span> Sparebank<span class=\"_ _1\"></span>en V<span class=\"_ _1\"></span>est<span class=\"_ _1\"></span> til </span><span style=\"display:inherit;clear:left;\">Sparebanken V<span class=\"_ _2\"></span>est Bo<span class=\"_ _8\"></span>ligkreditt AS fr<span class=\"_ _1\"></span>aregnes i regnskapet til </span><span style=\"display:inherit;clear:left;\">Sparebanken V<span class=\"_ _2\"></span>est og innregnes i Sparebanken V<span class=\"_ _2\"></span>e<span class=\"_ _8\"></span>st Bolig-</span><span style=\"display:inherit;clear:left;\">kreditt. Sparebanken<span class=\"_ _1\"></span> V<span class=\"_ _1\"></span>est Boligkreditt overtar all kredittrisiko </span><span style=\"display:inherit;clear:left;\">for de<span class=\"_ _1\"></span> ov<span class=\"_ _1\"></span>erf\u00f8rte eiendelene.</span><span style=\"display:inherit;clear:left;\">M\u00e5leka<span class=\"_ _1\"></span>t<span class=\"_ _1\"></span>egorier</span><span style=\"display:inherit;clear:left;\"> </span><span style=\"display:inherit;clear:left;\">IFR<span class=\"_ _8\"></span>S 9 har f\u00f8l<span class=\"_ _8\"></span>gend<span class=\"_ _8\"></span>e pri<span class=\"_ _8\"></span>nsip<span class=\"_ _8\"></span>pe<span class=\"_ _8\"></span>r for kla<span class=\"_ _8\"></span>ssi<span class=\"_ _8\"></span>fis<span class=\"_ _8\"></span>erin<span class=\"_ _8\"></span>g og m\u00e5<span class=\"_ _8\"></span>lin<span class=\"_ _8\"></span>g:</span><span style=\"display:inherit;clear:left;\">\u2022 Am<span class=\"_ _8\"></span>or<span class=\"_ _8\"></span>tise<span class=\"_ _8\"></span>rt ko<span class=\"_ _8\"></span>st <span class=\"_ _151\"> </span> </span><span style=\"display:inherit;clear:left;\">\u2022 Vi<span class=\"_ _8\"></span>rkeli<span class=\"_ _8\"></span>g verdi me<span class=\"_ _8\"></span>d verdi<span class=\"_ _8\"></span>endr<span class=\"_ _8\"></span>ing over u<span class=\"_ _8\"></span>tv<span class=\"_ _8\"></span>idet re<span class=\"_ _8\"></span>sult<span class=\"_ _8\"></span>at (FVO<span class=\"_ _8\"></span>CI) </span><span style=\"display:inherit;clear:left;\">\u2022 Vi<span class=\"_ _8\"></span>rkeli<span class=\"_ _8\"></span>g verdi me<span class=\"_ _8\"></span>d verdi<span class=\"_ _8\"></span>endr<span class=\"_ _8\"></span>ing over re<span class=\"_ _8\"></span>sul<span class=\"_ _8\"></span>tat (F<span class=\"_ _8\"></span>VPL)</span><span style=\"display:inherit;clear:left;\">M\u00e5lekategori besluttes ved f<span class=\"_ _1\"></span>\u00f8rstegangs r<span class=\"_ _1\"></span>egnskapsf\u00f8ring av<span class=\"_ _1\"></span> </span><span style=\"display:inherit;clear:left;\">eiendelen. </span><span style=\"display:inherit;clear:left;\">Regnskapsprinsipp<span class=\"_ _8\"></span>er for<span class=\"_ _1\"></span> kat<span class=\"_ _1\"></span>egorier av<span class=\"_ _1\"></span> finansielle eiendeler </span><span style=\"display:inherit;clear:left;\">be<span class=\"_ _8\"></span>skr<span class=\"_ _8\"></span>ives i n\u00e6<span class=\"_ _8\"></span>rme<span class=\"_ _8\"></span>re i de f\u00f8l<span class=\"_ _8\"></span>gend<span class=\"_ _8\"></span>e avsnit<span class=\"_ _8\"></span>t.</span><span style=\"display:inherit;clear:left;\">Amortisert kos<span class=\"_ _1\"></span>t</span><span style=\"display:inherit;clear:left;\">Gjeldsinstrumenter<span class=\"_ _0\"></span>, definert som alle finansielle<span class=\"_ _1\"></span> eiendeler som </span><span style=\"display:inherit;clear:left;\">ikke<span class=\"_ _1\"></span> er deriva<span class=\"_ _1\"></span>ter<span class=\"_ _1\"></span> eller egen<span class=\"_ _1\"></span>kapitalinstrumenter<span class=\"_ _0\"></span>, m\u00e5 g<span class=\"_ _8\"></span>jennom to<span class=\"_ _1\"></span> </span><span style=\"display:inherit;clear:left;\">tes<span class=\"_ _8\"></span>ter for \u00e5 avg<span class=\"_ _8\"></span>j<span class=\"_ _8\"></span>\u00f8re kl<span class=\"_ _8\"></span>ass<span class=\"_ _8\"></span>ifi<span class=\"_ _8\"></span>seri<span class=\"_ _8\"></span>ng og m<span class=\"_ _8\"></span>\u00e5lin<span class=\"_ _8\"></span>g ette<span class=\"_ _8\"></span>r IFR<span class=\"_ _8\"></span>S 9.</span><span style=\"display:inherit;clear:left;\">Den f\u00f8rst<span class=\"_ _1\"></span>e test<span class=\"_ _1\"></span>en g<span class=\"_ _8\"></span>j\u00f8res p\u00e5<span class=\"_ _1\"></span> instrumentniv<span class=\"_ _1\"></span>\u00e5, og er<span class=\"_ _1\"></span> en vur<span class=\"_ _1\"></span>dering </span><span style=\"display:inherit;clear:left;\">av<span class=\"_ _1\"></span> instrumentets k<span class=\"_ _1\"></span>ontraktsmessi<span class=\"_ _8\"></span>ge<span class=\"_ _1\"></span> vilk\u00e5r<span class=\"_ _2\"></span>. Denne testen </span><span style=\"display:inherit;clear:left;\">omtales som SPPI<span class=\"_ _1\"></span>-<span class=\"_ _2\"></span>testen (SPPI=<span class=\"_ _1\"></span>solely pa<span class=\"_ _1\"></span>ymen<span class=\"_ _1\"></span>t of<span class=\"_ _1\"></span> principal </span><span style=\"display:inherit;clear:left;\">and i<span class=\"_ _8\"></span>nteres<span class=\"_ _8\"></span>t). Det e<span class=\"_ _8\"></span>r kun in<span class=\"_ _8\"></span>stru<span class=\"_ _8\"></span>mente<span class=\"_ _8\"></span>r me<span class=\"_ _8\"></span>d kontrak<span class=\"_ _8\"></span>ts<span class=\"_ _8\"></span>mes<span class=\"_ _8\"></span>si<span class=\"_ _8\"></span>ge </span><span style=\"display:inherit;clear:left;\">konta<span class=\"_ _8\"></span>ntst<span class=\"_ _8\"></span>r\u00f8mm<span class=\"_ _8\"></span>er so<span class=\"_ _8\"></span>m bare b<span class=\"_ _8\"></span>est<span class=\"_ _8\"></span>\u00e5r av bet<span class=\"_ _8\"></span>ali<span class=\"_ _8\"></span>ng av \u00abnor<span class=\"_ _8\"></span>mal\u00bb </span><span style=\"display:inherit;clear:left;\">rente og h<span class=\"_ _8\"></span>oveds<span class=\"_ _8\"></span>tol p\u00e5 g<span class=\"_ _8\"></span>it<span class=\"_ _8\"></span>te datoe<span class=\"_ _8\"></span>r som k<span class=\"_ _8\"></span>vali<span class=\"_ _8\"></span>fis<span class=\"_ _8\"></span>erer for </span><span style=\"display:inherit;clear:left;\">amortis<span class=\"_ _8\"></span>ert kost<span class=\"_ _2\"></span>-m\u00e5ling. Alle andre<span class=\"_ _1\"></span> finansielle instrumenter skal </span><span style=\"display:inherit;clear:left;\">m\u00e5l<span class=\"_ _8\"></span>es ti<span class=\"_ _8\"></span>l vir<span class=\"_ _8\"></span>kelig ve<span class=\"_ _8\"></span>rdi. D<span class=\"_ _8\"></span>ette k<span class=\"_ _8\"></span>an omfatte i<span class=\"_ _8\"></span>nst<span class=\"_ _8\"></span>rume<span class=\"_ _8\"></span>nter m<span class=\"_ _8\"></span>ed </span><span style=\"display:inherit;clear:left;\">kontr<span class=\"_ _1\"></span>aktsme<span class=\"_ _8\"></span>ssig vilk\u00e5r som er ur<span class=\"_ _1\"></span>elatert til enkle gjel<span class=\"_ _8\"></span>dsinstru-</span><span style=\"display:inherit;clear:left;\">menter<span class=\"_ _0\"></span>, som for eksempel<span class=\"_ _1\"></span> instrument<span class=\"_ _1\"></span>er med gearing<span class=\"_ _1\"></span> eller </span><span style=\"display:inherit;clear:left;\">\u00abinneby<span class=\"_ _1\"></span>gde deriv<span class=\"_ _1\"></span>a<span class=\"_ _1\"></span>ter\u00bb.<span class=\"_ _1\"></span> \u00abNormal\u00bb r<span class=\"_ _1\"></span>ente<span class=\"_ _1\"></span> omf<span class=\"_ _1\"></span>atter<span class=\"_ _1\"></span> godtg<span class=\"_ _8\"></span>j\u00f8relse </span><span style=\"display:inherit;clear:left;\">for tids<span class=\"_ _1\"></span>ver<span class=\"_ _1\"></span>dien a<span class=\"_ _1\"></span>v penger<span class=\"_ _1\"></span> (<span class=\"_ _1\"></span>risiko<span class=\"_ _1\"></span>fri r<span class=\"_ _1\"></span>ent<span class=\"_ _1\"></span>e)<span class=\"_ _1\"></span>,<span class=\"_ _1\"></span> kredittrisik<span class=\"_ _1\"></span>o, andr<span class=\"_ _1\"></span>e </span><span style=\"display:inherit;clear:left;\">enkle (<span class=\"_ _1\"></span>\u00abbasic\u00bb<span class=\"_ _1\"></span>) utl\u00e5nsrisik<span class=\"_ _1\"></span>oer (f<span class=\"_ _1\"></span>or eksempel likviditetsrisiko<span class=\"_ _1\"></span>) og </span><span style=\"display:inherit;clear:left;\">kostna<span class=\"_ _1\"></span>der (<span class=\"_ _1\"></span>for<span class=\"_ _1\"></span> eksempel admi<span class=\"_ _1\"></span>nistra<span class=\"_ _1\"></span>tive<span class=\"_ _1\"></span> kostna<span class=\"_ _1\"></span>der)<span class=\"_ _1\"></span> samt </span><span style=\"display:inherit;clear:left;\">fortjenestemargin. </span><span style=\"display:inherit;clear:left;\">Instrumenter<span class=\"_ _1\"></span> som i u<span class=\"_ _1\"></span>tgangspunktet kvalifiserer<span class=\"_ _1\"></span> for<span class=\"_ _1\"></span> amortiser<span class=\"_ _8\"></span>t </span><span style=\"display:inherit;clear:left;\">kost<span class=\"_ _2\"></span>-m\u00e5ling m\u00e5<span class=\"_ _1\"></span> deretter g<span class=\"_ _8\"></span>jennom en f<span class=\"_ _1\"></span>orretningsmodell-<span class=\"_ _2\"></span>test. </span><span style=\"display:inherit;clear:left;\">Denne g<span class=\"_ _8\"></span>j\u00f8res p\u00e5<span class=\"_ _1\"></span> portef\u00f8ljeniv\u00e5.<span class=\"_ _1\"></span> Gjeldsinstrumenter<span class=\"_ _1\"></span> skal m\u00e5les<span class=\"_ _1\"></span> </span><span style=\"display:inherit;clear:left;\">til amortisert kost dersom<span class=\"_ _1\"></span> instrument<span class=\"_ _1\"></span>ene holdes i en<span class=\"_ _1\"></span> </span><span style=\"display:inherit;clear:left;\">forret<span class=\"_ _8\"></span>ning<span class=\"_ _8\"></span>s <span class=\"_ _4\"></span>m<span class=\"_ _8\"></span>ode<span class=\"_ _8\"></span>ll hvor for<span class=\"_ _8\"></span>m\u00e5l<span class=\"_ _8\"></span>et er \u00e5 ho<span class=\"_ _8\"></span>lde i<span class=\"_ _8\"></span>nstr<span class=\"_ _8\"></span>ume<span class=\"_ _8\"></span>ntet for \u00e5 </span><span style=\"display:inherit;clear:left;\">motta kon<span class=\"_ _1\"></span>traktsmessige kon<span class=\"_ _1\"></span>tantstr\u00f8mmer<span class=\"_ _0\"></span>. I konsernr<span class=\"_ _1\"></span>egn-</span><span style=\"display:inherit;clear:left;\">skapet er<span class=\"_ _1\"></span> f\u00f8lgende<span class=\"_ _1\"></span> hovedpost<span class=\"_ _1\"></span>er m\u00e5lt<span class=\"_ _1\"></span> til amortisert kost:</span><span style=\"display:inherit;clear:left;\">\u2022 Utl\u00e5nsmasse<span class=\"_ _8\"></span>n med fly<span class=\"_ _1\"></span>tende rente<span class=\"ff4\"> </span></span><span style=\"display:inherit;clear:left;\">\u2022  <span class=\"_ _4\"></span>Fordri<span class=\"_ _8\"></span>nger p<span class=\"_ _8\"></span>\u00e5 kredit<span class=\"_ _1\"></span>tinsti<span class=\"_ _1\"></span>tusjone<span class=\"_ _8\"></span>r samt kon<span class=\"_ _1\"></span>tan<span class=\"_ _1\"></span>t<span class=\"_ _1\"></span>er og </span><span style=\"display:inherit;clear:left;\">f<span class=\"_ _1\"></span>ordringer p\u00e5 sen<span class=\"_ _1\"></span>t<span class=\"_ _1\"></span>ral<span class=\"_ _1\"></span>bank<span class=\"_ _1\"></span>er</span><span style=\"display:inherit;clear:left;\">\u2022  <span class=\"_ _4\"></span>Finansie<span class=\"_ _8\"></span>ll g<span class=\"_ _8\"></span>jeld m<span class=\"_ _8\"></span>ed fly<span class=\"_ _1\"></span>t<span class=\"_ _1\"></span>ende r<span class=\"_ _8\"></span>ent<span class=\"_ _1\"></span>e<span class=\"ff4\"> </span></span><span style=\"display:inherit;clear:left;\">Virkelig v<span class=\"_ _1\"></span>er<span class=\"_ _1\"></span>di med v<span class=\"_ _1\"></span>er<span class=\"_ _1\"></span>diendring<span class=\"_ _1\"></span>er o<span class=\"_ _1\"></span>v<span class=\"_ _1\"></span>er utvidet r<span class=\"_ _2\"></span>esultat (FV<span class=\"_ _1\"></span>OCI)</span><span style=\"display:inherit;clear:left;\">Instrumenter<span class=\"_ _1\"></span> med k<span class=\"_ _1\"></span>ontantstr\u00f8mmer<span class=\"_ _1\"></span> som bar<span class=\"_ _1\"></span>e er betaling<span class=\"_ _1\"></span> av<span class=\"_ _1\"></span> </span><span style=\"display:inherit;clear:left;\">rente og h<span class=\"_ _8\"></span>oveds<span class=\"_ _8\"></span>tol so<span class=\"_ _8\"></span>m b\u00e5de h<span class=\"_ _8\"></span>old<span class=\"_ _8\"></span>es for \u00e5 m<span class=\"_ _8\"></span>ott<span class=\"_ _8\"></span>a kontrak<span class=\"_ _8\"></span>t<span class=\"_ _8\"></span>s-</span><span style=\"display:inherit;clear:left;\">me<span class=\"_ _8\"></span>ssi<span class=\"_ _8\"></span>ge konta<span class=\"_ _8\"></span>ntst<span class=\"_ _8\"></span>r\u00f8mm<span class=\"_ _8\"></span>er og fo<span class=\"_ _8\"></span>r sal<span class=\"_ _8\"></span>g, sk<span class=\"_ _8\"></span>al m\u00e5l<span class=\"_ _8\"></span>es t<span class=\"_ _8\"></span>il vir<span class=\"_ _8\"></span>kelig </span><span style=\"display:inherit;clear:left;\">ver<span class=\"_ _1\"></span>di med v<span class=\"_ _1\"></span>erdiendring<span class=\"_ _1\"></span>er f\u00f8rt o<span class=\"_ _1\"></span>ver<span class=\"_ _1\"></span> utvidet resul<span class=\"_ _1\"></span>tatregnskap<span class=\"_ _1\"></span> </span><span style=\"display:inherit;clear:left;\">(OCI) m<span class=\"_ _8\"></span>ed rente<span class=\"_ _8\"></span>innte<span class=\"_ _8\"></span>kt o<span class=\"_ _8\"></span>g eventue<span class=\"_ _8\"></span>ll ne<span class=\"_ _8\"></span>dskr<span class=\"_ _8\"></span>ivn<span class=\"_ _8\"></span>ing f\u00f8r<span class=\"_ _8\"></span>t i de<span class=\"_ _8\"></span>t </span><span style=\"display:inherit;clear:left;\">ordi<span class=\"_ _8\"></span>n\u00e6re res<span class=\"_ _8\"></span>ult<span class=\"_ _8\"></span>atet. Dvs<span class=\"_ _8\"></span>. at inst<span class=\"_ _8\"></span>rum<span class=\"_ _8\"></span>entet b<span class=\"_ _8\"></span>alan<span class=\"_ _8\"></span>sef\u00f8re<span class=\"_ _8\"></span>s til </span><span style=\"display:inherit;clear:left;\">vir<span class=\"_ _8\"></span>kelig ve<span class=\"_ _8\"></span>rdi, rente<span class=\"_ _8\"></span>r og ne<span class=\"_ _8\"></span>dsk<span class=\"_ _8\"></span>rivn<span class=\"_ _8\"></span>ing fo<span class=\"_ _8\"></span>r kredi<span class=\"_ _8\"></span>tt<span class=\"_ _1\"></span>-<span class=\"_ _2\"></span>t<span class=\"_ _8\"></span>ap f\u00f8re<span class=\"_ _8\"></span>s i det </span><span style=\"display:inherit;clear:left;\">ordi<span class=\"_ _8\"></span>n\u00e6re res<span class=\"_ _8\"></span>ult<span class=\"_ _8\"></span>atet tils<span class=\"_ _8\"></span>varend<span class=\"_ _8\"></span>e som o<span class=\"_ _8\"></span>m inst<span class=\"_ _8\"></span>rum<span class=\"_ _8\"></span>entet had<span class=\"_ _8\"></span>de </span><span style=\"display:inherit;clear:left;\">v\u00e6rt m\u00e5lt ti<span class=\"_ _1\"></span>l amortisert kost<span class=\"_ _2\"></span>-m\u00e5ling, mens<span class=\"_ _1\"></span> \u00f8vrige<span class=\"_ _1\"></span> ver<span class=\"_ _1\"></span>di<span class=\"_ _1\"></span>-</span><span style=\"display:inherit;clear:left;\">endringer f<span class=\"_ _1\"></span>\u00f8res<span class=\"_ _1\"></span> over<span class=\"_ _1\"></span> utvidet r<span class=\"_ _1\"></span>esultatr<span class=\"_ _1\"></span>egnskap. I<span class=\"_ _1\"></span> morbankens<span class=\"_ _1\"></span> </span><span style=\"display:inherit;clear:left;\">selskapsregnskap<span class=\"_ _1\"></span> vil utl\u00e5nsmassen<span class=\"_ _1\"></span> med pant i<span class=\"_ _1\"></span> boligeiendom </span><span style=\"display:inherit;clear:left;\">me<span class=\"_ _8\"></span>d en vis<span class=\"_ _8\"></span>s sa<span class=\"_ _8\"></span>nnsyn<span class=\"_ _8\"></span>lig<span class=\"_ _8\"></span>het b<span class=\"_ _8\"></span>li so<span class=\"_ _8\"></span>lg<span class=\"_ _8\"></span>t i l\u00f8p<span class=\"_ _8\"></span>et av l\u00e5ne<span class=\"_ _8\"></span>ts l\u00f8<span class=\"_ _8\"></span>pet<span class=\"_ _8\"></span>id til </span><span style=\"display:inherit;clear:left;\">hel<span class=\"_ _8\"></span>eid d<span class=\"_ _8\"></span>atters<span class=\"_ _8\"></span>els<span class=\"_ _8\"></span>kap \u2013 Sp<span class=\"_ _8\"></span>areb<span class=\"_ _8\"></span>anken Vest B<span class=\"_ _8\"></span>oli<span class=\"_ _8\"></span>gk<span class=\"_ _8\"></span>redit<span class=\"_ _8\"></span>t AS<span class=\"_ _8\"></span>. Dis<span class=\"_ _8\"></span>se </span><span style=\"display:inherit;clear:left;\">utl\u00e5nene tilfr<span class=\"_ _1\"></span>edsstiller derfor<span class=\"_ _1\"></span> ikke<span class=\"_ _1\"></span> forr<span class=\"_ _1\"></span>etnings<span class=\"_ _1\"></span>-<span class=\"_ _1\"></span>modell-<span class=\"_ _2\"></span>testen </span><span style=\"display:inherit;clear:left;\">for am<span class=\"_ _8\"></span>or<span class=\"_ _8\"></span>tis<span class=\"_ _8\"></span>er<span class=\"_ _8\"></span>t kost og e<span class=\"_ _8\"></span>r f\u00f8lge<span class=\"_ _8\"></span>lig k<span class=\"_ _8\"></span>las<span class=\"_ _8\"></span>sif<span class=\"_ _8\"></span>iser<span class=\"_ _8\"></span>t t<span class=\"_ _8\"></span>il m\u00e5l<span class=\"_ _8\"></span>ing ti<span class=\"_ _8\"></span>l </span><span style=\"display:inherit;clear:left;\">virkelig<span class=\"_ _1\"></span> ver<span class=\"_ _1\"></span>di ov<span class=\"_ _1\"></span>er utvidet<span class=\"_ _1\"></span> resulta<span class=\"_ _1\"></span>tregnskap<span class=\"_ _1\"></span> i morbanken<span class=\"_ _1\"></span>s </span><span style=\"display:inherit;clear:left;\">selskapsregnskap. Konsernet har<span class=\"_ _1\"></span> ikke finansielle instrumenter<span class=\"_ _1\"></span> </span><span style=\"display:inherit;clear:left;\">klassifisert til virkelig<span class=\"_ _1\"></span> ver<span class=\"_ _1\"></span>di med v<span class=\"_ _1\"></span>erdiendring<span class=\"_ _1\"></span>er ov<span class=\"_ _1\"></span>er u<span class=\"_ _1\"></span>tvidet </span><span style=\"display:inherit;clear:left;\">resultat.</span><span style=\"display:inherit;clear:left;\">Virkelig v<span class=\"_ _1\"></span>er<span class=\"_ _1\"></span>di med v<span class=\"_ _1\"></span>er<span class=\"_ _1\"></span>diendring<span class=\"_ _1\"></span>er o<span class=\"_ _1\"></span>v<span class=\"_ _1\"></span>er r<span class=\"_ _1\"></span>esulta<span class=\"_ _1\"></span>t</span><span style=\"display:inherit;clear:left;\">s til virkelig<span class=\"_ _1\"></span> verdi<span class=\"_ _1\"></span> med </span><span style=\"display:inherit;clear:left;\">ver<span class=\"_ _1\"></span>diendring ov<span class=\"_ _1\"></span>er r<span class=\"_ _1\"></span>esultat.<span class=\"_ _1\"></span> Dette vil<span class=\"_ _1\"></span> typisk v\u00e6r<span class=\"_ _1\"></span>e instru<span class=\"_ _1\"></span>menter </span><span style=\"display:inherit;clear:left;\">som i<span class=\"_ _8\"></span>nng<span class=\"_ _8\"></span>\u00e5r i tradi<span class=\"_ _8\"></span>ng-por<span class=\"_ _8\"></span>tef\u00f8l<span class=\"_ _8\"></span>jer<span class=\"_ _1\"></span>, por<span class=\"_ _8\"></span>tef\u00f8l<span class=\"_ _8\"></span>jer so<span class=\"_ _8\"></span>m st<span class=\"_ _8\"></span>yres<span class=\"_ _8\"></span>, m\u00e5l<span class=\"_ _8\"></span>es </span><span style=\"display:inherit;clear:left;\">og rap<span class=\"_ _8\"></span>por<span class=\"_ _8\"></span>te<span class=\"_ _8\"></span>res til l<span class=\"_ _8\"></span>ed<span class=\"_ _8\"></span>else<span class=\"_ _8\"></span>n i hen<span class=\"_ _8\"></span>hol<span class=\"_ _8\"></span>d til vi<span class=\"_ _8\"></span>rkeli<span class=\"_ _8\"></span>g verdi o<span class=\"_ _8\"></span>g </span><span style=\"display:inherit;clear:left;\">po<span class=\"_ _8\"></span>rtef\u00f8<span class=\"_ _8\"></span>lje<span class=\"_ _8\"></span>r med fo<span class=\"_ _8\"></span>r stor<span class=\"_ _8\"></span>t omfa<span class=\"_ _8\"></span>ng av sal<span class=\"_ _8\"></span>g til \u00e5 fal<span class=\"_ _8\"></span>le inn i e<span class=\"_ _8\"></span>n av de </span><span style=\"display:inherit;clear:left;\">to \u00f8<span class=\"_ _1\"></span>vrige forr<span class=\"_ _1\"></span>etningsmodellene. Likviditetspor<span class=\"_ _8\"></span>tef\u00f8ljen </span><span style=\"display:inherit;clear:left;\">regnskapsf<span class=\"_ _1\"></span>\u00f8res i<span class=\"_ _1\"></span> henhold til denne<span class=\"_ _1\"></span> kat<span class=\"_ _1\"></span>egori. I<span class=\"_ _1\"></span> portef\u00f8ljen skjer<span class=\"_ _1\"></span> </span><span style=\"display:inherit;clear:left;\">det r<span class=\"_ _1\"></span>elativt mang<span class=\"_ _1\"></span>e tr<span class=\"_ _1\"></span>ansaksjoner f<span class=\"_ _1\"></span>or \u00e5 ti<span class=\"_ _1\"></span>lpasse kvalitet<span class=\"_ _1\"></span> og </span><span style=\"display:inherit;clear:left;\">st\u00f8rrelse<span class=\"_ _1\"></span> til ek<span class=\"_ _1\"></span>sterne og<span class=\"_ _1\"></span> interne<span class=\"_ _1\"></span> kra<span class=\"_ _1\"></span>v til<span class=\"_ _1\"></span> buffer<span class=\"_ _1\"></span>e. Innenf<span class=\"_ _1\"></span>or de<span class=\"_ _1\"></span> </span><span style=\"display:inherit;clear:left;\">ov<span class=\"_ _1\"></span>erordnede<span class=\"_ _1\"></span> kra<span class=\"_ _1\"></span>v s<span class=\"_ _1\"></span>kal en dessuten<span class=\"_ _1\"></span> til enh<span class=\"_ _1\"></span>ver<span class=\"_ _1\"></span> tid maksi<span class=\"_ _1\"></span>mere </span><span style=\"display:inherit;clear:left;\">avk<span class=\"_ _1\"></span>astningen. Li<span class=\"_ _1\"></span>kviditetsreserven gener<span class=\"_ _1\"></span>erer<span class=\"_ _1\"></span> kredittrisik<span class=\"_ _1\"></span>o og<span class=\"_ _1\"></span> </span><span style=\"display:inherit;clear:left;\">det er<span class=\"_ _1\"></span> avkas<span class=\"_ _1\"></span>tningsm\u00e5l p\u00e5<span class=\"_ _1\"></span> rammen<span class=\"_ _1\"></span> for<span class=\"_ _1\"></span> denne risik<span class=\"_ _1\"></span>oen. </span><span style=\"display:inherit;clear:left;\">Likviditetsbeho<span class=\"_ _8\"></span>ldningen styres, m\u00e5les og r<span class=\"_ _1\"></span>apporteres til </span><span style=\"display:inherit;clear:left;\">ledelsen i henhold ti<span class=\"_ _1\"></span>l virk<span class=\"_ _1\"></span>elig ver<span class=\"_ _1\"></span>di.</span><span style=\"display:inherit;clear:left;\">Ins<span class=\"_ _8\"></span>trum<span class=\"_ _8\"></span>enter s<span class=\"_ _8\"></span>om et<span class=\"_ _8\"></span>ter b<span class=\"_ _8\"></span>esk<span class=\"_ _8\"></span>revne te<span class=\"_ _8\"></span>ster s<span class=\"_ _8\"></span>kal m\u00e5<span class=\"_ _8\"></span>le<span class=\"_ _8\"></span>s til </span><span style=\"display:inherit;clear:left;\">amortiser<span class=\"_ _8\"></span>t k<span class=\"_ _1\"></span>ost eller<span class=\"_ _1\"></span> virkelig<span class=\"_ _1\"></span> ver<span class=\"_ _1\"></span>di med v<span class=\"_ _1\"></span>erdiendring<span class=\"_ _1\"></span>er ov<span class=\"_ _1\"></span>er OCI<span class=\"_ _1\"></span> </span><span style=\"display:inherit;clear:left;\">kan l<span class=\"_ _8\"></span>ikevel utp<span class=\"_ _8\"></span>eke<span class=\"_ _8\"></span>s til m\u00e5<span class=\"_ _8\"></span>ling t<span class=\"_ _8\"></span>il vi<span class=\"_ _8\"></span>rkeli<span class=\"_ _8\"></span>g verdi over re<span class=\"_ _8\"></span>sult<span class=\"_ _8\"></span>at </span><span style=\"display:inherit;clear:left;\">der<span class=\"_ _8\"></span>som d<span class=\"_ _8\"></span>ette t<span class=\"_ _8\"></span>ar vek<span class=\"_ _8\"></span>k elle<span class=\"_ _8\"></span>r vese<span class=\"_ _8\"></span>ntli<span class=\"_ _8\"></span>g redu<span class=\"_ _8\"></span>serer et re<span class=\"_ _8\"></span>gns<span class=\"_ _8\"></span>kap<span class=\"_ _8\"></span>s-</span><span style=\"display:inherit;clear:left;\">messig misforhold (\u00aba<span class=\"_ _1\"></span>ccounting mismat<span class=\"_ _1\"></span>ch\u00bb<span class=\"_ _1\"></span>).</span><span style=\"display:inherit;clear:left;\">Utl\u00e5n med f<span class=\"_ _1\"></span>ast rent<span class=\"_ _1\"></span>e <span class=\"ff4 ls5 ws5\">er klassifisert under denne<span class=\"_ _1\"></span> kat<span class=\"_ _1\"></span>egori. </span></span><span style=\"display:inherit;clear:left;\">Det<span class=\"_ _8\"></span>te so<span class=\"_ _8\"></span>m f\u00f8lge av at ban<span class=\"_ _8\"></span>ken sik<span class=\"_ _8\"></span>rer renter<span class=\"_ _8\"></span>isiko<span class=\"_ _8\"></span>en ti<span class=\"_ _8\"></span>l denn<span class=\"_ _8\"></span>e </span><span style=\"display:inherit;clear:left;\">vesentlige<span class=\"_ _1\"></span> balanseposten med<span class=\"_ _1\"></span> deriva<span class=\"_ _1\"></span>ter<span class=\"_ _0\"></span>. Sistnevnte<span class=\"_ _1\"></span> skal alltid<span class=\"_ _1\"></span> </span><span style=\"display:inherit;clear:left;\">m\u00e5l<span class=\"_ _8\"></span>es ti<span class=\"_ _8\"></span>l vir<span class=\"_ _8\"></span>kelig ve<span class=\"_ _8\"></span>rdi over res<span class=\"_ _8\"></span>ultat o<span class=\"_ _8\"></span>g en reg<span class=\"_ _8\"></span>nska<span class=\"_ _8\"></span>psf\u00f8<span class=\"_ _8\"></span>ring av </span><span style=\"display:inherit;clear:left;\">utl\u00e5nene til<span class=\"_ _1\"></span> amortiser<span class=\"_ _8\"></span>t k<span class=\"_ _1\"></span>ost vil<span class=\"_ _1\"></span> s\u00e5ledes medf\u00f8re<span class=\"_ _1\"></span> vesentlig<span class=\"_ _1\"></span>e </span><span style=\"display:inherit;clear:left;\">flu<span class=\"_ _8\"></span>ktu<span class=\"_ _8\"></span>asj<span class=\"_ _8\"></span>one<span class=\"_ _8\"></span>r i resul<span class=\"_ _8\"></span>tatet. E<span class=\"_ _8\"></span>n bok<span class=\"_ _8\"></span>f\u00f8r<span class=\"_ _8\"></span>ing t<span class=\"_ _8\"></span>il vir<span class=\"_ _8\"></span>kelig ve<span class=\"_ _8\"></span>rdi me<span class=\"_ _8\"></span>d </span><span style=\"display:inherit;clear:left;\">ver<span class=\"_ _1\"></span>diendringer o<span class=\"_ _1\"></span>ver<span class=\"_ _1\"></span> resulta<span class=\"_ _1\"></span>t vil<span class=\"_ _1\"></span> medf\u00f8r<span class=\"_ _1\"></span>e en mer<span class=\"_ _1\"></span> harmonisert </span><span style=\"display:inherit;clear:left;\">sammenstilling a<span class=\"_ _1\"></span>v r<span class=\"_ _1\"></span>esultat<span class=\"_ _1\"></span>ene til<span class=\"_ _1\"></span> deriva<span class=\"_ _1\"></span>tene og<span class=\"_ _1\"></span> ver<span class=\"_ _1\"></span>diendring p\u00e5 </span><span style=\"display:inherit;clear:left;\">utl\u00e5nene. </span><span style=\"display:inherit;clear:left;\">Av<span class=\"_ _1\"></span> samme \u00e5rsak er<span class=\"_ _1\"></span> banken<span class=\"_ _1\"></span>s <span class=\"ff8 ls0 ws0\">finansi<span class=\"_ _8\"></span>ell<span class=\"_ _8\"></span>e gje<span class=\"_ _8\"></span>ld med fast rent<span class=\"_ _1\"></span>e </span></span><span style=\"display:inherit;clear:left;\">klassifisert under denne ka<span class=\"_ _1\"></span>tegori.<span class=\"_ _1\"></span> Sistnevn<span class=\"_ _1\"></span>te omf<span class=\"_ _1\"></span>a<span class=\"_ _1\"></span>tter g<span class=\"_ _8\"></span>jeld til<span class=\"_ _1\"></span> </span><span style=\"display:inherit;clear:left;\">kredittinstitusjoner<span class=\"_ _2\"></span>, innskudd samt g<span class=\"_ _8\"></span>jeld stiftet ved u<span class=\"_ _1\"></span>tstedelse </span><span style=\"display:inherit;clear:left;\">av<span class=\"_ _1\"></span> ver<span class=\"_ _1\"></span>dipapirer<span class=\"_ _1\"></span> med f<span class=\"_ _1\"></span>ast r<span class=\"_ _1\"></span>ente.<span class=\"_ _1\"></span> </span><span style=\"display:inherit;clear:left;\">Investeringer<span class=\"_ _1\"></span> i <span class=\"ff8 lsd wsd\">egenk<span class=\"_ _1\"></span>a<span class=\"_ _1\"></span>pi<span class=\"_ _1\"></span>ta<span class=\"_ _1\"></span>lins<span class=\"_ _1\"></span>t<span class=\"_ _1\"></span>rumen<span class=\"_ _1\"></span>t<span class=\"_ _1\"></span>er<span class=\"_ _1\"></span> <span class=\"ff4 lse wse\">skal m\u00e5les til virk<span class=\"_ _1\"></span>elig </span></span></span><span style=\"display:inherit;clear:left;\">verdi.<span class=\"_ _1\"></span> V<span class=\"_ _1\"></span>erdiendringer skal<span class=\"_ _1\"></span> som hovedr<span class=\"_ _1\"></span>egel f<span class=\"_ _1\"></span>\u00f8res i det<span class=\"_ _1\"></span> ordin\u00e6re<span class=\"_ _1\"></span> </span><span style=\"display:inherit;clear:left;\">resulta<span class=\"_ _1\"></span>t, men et<span class=\"_ _1\"></span> egenkapitalinstru<span class=\"_ _1\"></span>ment kan<span class=\"_ _1\"></span> utpekes som<span class=\"_ _1\"></span> m\u00e5lt </span><span style=\"display:inherit;clear:left;\">til v<span class=\"_ _8\"></span>irkel<span class=\"_ _8\"></span>ig verdi m<span class=\"_ _8\"></span>ed verd<span class=\"_ _8\"></span>ien<span class=\"_ _8\"></span>drin<span class=\"_ _8\"></span>ger f\u00f8r<span class=\"_ _8\"></span>t mot ut<span class=\"_ _8\"></span>vi<span class=\"_ _8\"></span>det re<span class=\"_ _8\"></span>sult<span class=\"_ _8\"></span>at<span class=\"_ _2\"></span>-</span><span style=\"display:inherit;clear:left;\">regnskap.<span class=\"_ _1\"></span> Sparebank<span class=\"_ _1\"></span>en V<span class=\"_ _1\"></span>est<span class=\"_ _1\"></span> har v<span class=\"_ _1\"></span>algt \u00e5 ikke<span class=\"_ _1\"></span> anv<span class=\"_ _1\"></span>ende </span><span style=\"display:inherit;clear:left;\">regnskapsf\u00f8ring ov<span class=\"_ _1\"></span>er utvidet resulta<span class=\"_ _1\"></span>t.</span><span style=\"display:inherit;clear:left;\">All<span class=\"_ _8\"></span>e der<span class=\"_ _8\"></span>ivater sk<span class=\"_ _8\"></span>al i ut<span class=\"_ _8\"></span>gan<span class=\"_ _8\"></span>gspun<span class=\"_ _8\"></span>kt<span class=\"_ _8\"></span>et m\u00e5l<span class=\"_ _8\"></span>es ti<span class=\"_ _8\"></span>l virke<span class=\"_ _8\"></span>lig verd<span class=\"_ _8\"></span>i med </span><span style=\"display:inherit;clear:left;\">sikringsinstrumenter skal r<span class=\"_ _1\"></span>egnskapsf\u00f8res i tr<span class=\"_ _1\"></span>\u00e5d med </span><span style=\"display:inherit;clear:left;\">ver<span class=\"_ _1\"></span>diendring i r<span class=\"_ _1\"></span>esultat,<span class=\"_ _1\"></span> men deriv<span class=\"_ _1\"></span>at<span class=\"_ _1\"></span>er som er<span class=\"_ _1\"></span> utpekt som </span><span style=\"display:inherit;clear:left;\"><span><span style=\"display:inherit;clear:left;\">prinsippene for sikringsbokf\u00f8ring</span></span>.</span><span style=\"display:inherit;clear:left;\">Virkelig </span><span style=\"display:inherit;clear:left;\">Virkelig </span><span style=\"display:inherit;clear:left;\">verd<span class=\"_ _8\"></span>i over </span><span style=\"display:inherit;clear:left;\">verd<span class=\"_ _8\"></span>i over </span><span style=\"display:inherit;clear:left;\">KONSERN<span class=\"_ _1\"></span><span class=\"ls0 ws0\"> </span></span><span style=\"display:inherit;clear:left;\">re<span class=\"_ _8\"></span>su<span class=\"_ _8\"></span>lt<span class=\"_ _8\"></span>at </span><span style=\"display:inherit;clear:left;\">re<span class=\"_ _8\"></span>su<span class=\"_ _8\"></span>lt<span class=\"_ _8\"></span>at </span><span style=\"display:inherit;clear:left;\">Sikrings-</span><span style=\"display:inherit;clear:left;\">Amortisert </span><span style=\"display:inherit;clear:left;\">2)</span><span style=\"display:inherit;clear:left;\">bokf\u00f8ring</span><span style=\"display:inherit;clear:left;\"> 1)</span><span style=\"display:inherit;clear:left;\">31/12-<span class=\"_ _1\"></span>2023</span><span style=\"display:inherit;clear:left;\">(pliktig<span class=\"_ _8\"></span>)</span><span style=\"display:inherit;clear:left;\">(op<span class=\"_ _1\"></span>sjon<span class=\"_ _1\"></span>) </span><span style=\"display:inherit;clear:left;\">kost<span class=\"_ _8a\"> </span><span class=\"ls142 ws1f1\">To<span class=\"_ _8\"></span>t<span class=\"_ _a\"></span>a<span class=\"_ _a\"></span>l<span class=\"_ _8\"></span>t</span></span><span style=\"display:inherit;clear:left;\">Eiendeler</span><span style=\"display:inherit;clear:left;\">Kontan<span class=\"_ _1\"></span>ter og<span class=\"_ _1\"></span> for<span class=\"_ _1\"></span>dringer p\u00e5<span class=\"_ _1\"></span> sentr<span class=\"_ _1\"></span>albanker<span class=\"_ _1a2\"> </span><span class=\"ls9 ws9\">387<span class=\"_ _18\"> </span>387</span></span><span style=\"display:inherit;clear:left;\">Utl\u00e5n til<span class=\"_ _1\"></span> og for<span class=\"_ _1\"></span>dringer<span class=\"_ _1\"></span> p\u00e5 kredi<span class=\"_ _1\"></span>ttinstitusjoner<span class=\"_ _1a3\"> </span><span class=\"ls0 ws0\">3 154<span class=\"_ _189\"> </span>3 1<span class=\"_ _8\"></span>54</span></span><span style=\"display:inherit;clear:left;\">Netto utl\u00e5n<span class=\"_ _1a4\"> </span></span><span style=\"display:inherit;clear:left;\">2<span class=\"_ _8\"></span>0<span class=\"_ _8\"></span> 072<span class=\"_ _de\"> </span><span class=\"ls138 ws1e5\">235<span class=\"_ _8\"></span> 695<span class=\"_ _9e\"> </span><span class=\"ls8 ws8\">2<span class=\"_ _8\"></span>5<span class=\"_ _8\"></span>5<span class=\"_ _8\"></span> 767</span></span></span><span style=\"display:inherit;clear:left;\">Aksjer til<span class=\"_ _1\"></span> virkelig<span class=\"_ _1\"></span> ver<span class=\"_ _1\"></span>di ov<span class=\"_ _1\"></span>er r<span class=\"_ _1\"></span>esultat<span class=\"_ _1\"></span>et<span class=\"_ _1a5\"> </span><span class=\"ls82 ws14b\">560<span class=\"_ _14b\"> </span><span class=\"ls9a wsf7\">560</span></span></span><span style=\"display:inherit;clear:left;\">Sertifikater og<span class=\"_ _1\"></span> obligasjoner<span class=\"_ _185\"> </span><span class=\"ls0 ws0\">36 560<span class=\"_ _1a6\"> </span>36 560</span></span><span style=\"display:inherit;clear:left;\">Finansielle deriv<span class=\"_ _1\"></span>at<span class=\"_ _1\"></span>er<span class=\"_ _1a7\"> </span></span><span style=\"display:inherit;clear:left;\">3 457<span class=\"_ _2b\"> </span><span class=\"ls0 ws0\">1 944<span class=\"_ _e2\"> </span>5 401</span></span><span style=\"display:inherit;clear:left;\">To<span class=\"_ _8\"></span>t<span class=\"_ _a\"></span>a<span class=\"_ _8\"></span>l<span class=\"_ _a\"></span>t<span class=\"_ _1a8\"> </span></span><span style=\"display:inherit;clear:left;\">40 57<span class=\"_ _8\"></span>7<span class=\"_ _cc\"> </span></span><span style=\"display:inherit;clear:left;\">20<span class=\"_ _8\"></span> 072<span class=\"_ _107\"> </span></span><span style=\"display:inherit;clear:left;\">1 9<span class=\"_ _8\"></span>44<span class=\"_ _a5\"> </span><span class=\"ls123 ws1cd\">239 235<span class=\"_ _5b\"> </span><span class=\"ls11e wsb9\">301 82<span class=\"_ _8\"></span>9</span></span></span><span style=\"display:inherit;clear:left;\">Gjeld</span><span style=\"display:inherit;clear:left;\">Gjeld til kr<span class=\"_ _1\"></span>edittinstitusjoner<span class=\"_ _1a9\"> </span><span class=\"ls0 ws0\">5 45<span class=\"_ _8\"></span>4<span class=\"_ _87\"> </span>5 4<span class=\"_ _8\"></span>54</span></span><span style=\"display:inherit;clear:left;\">Innskudd<span class=\"_ _1aa\"> </span></span><span style=\"display:inherit;clear:left;\">1 8<span class=\"_ _8\"></span>24<span class=\"_ _f0\"> </span><span class=\"ls21 ws175\">1<span class=\"_ _8\"></span>21<span class=\"_ _8\"></span> 7<span class=\"_ _8\"></span>75<span class=\"_ _10a\"> </span><span class=\"ls122 ws1cc\">12<span class=\"_ _8\"></span>3 599</span></span></span><span style=\"display:inherit;clear:left;\">Gjeld stiftet<span class=\"_ _1\"></span> ved u<span class=\"_ _1\"></span>tstedelse a<span class=\"_ _1\"></span>v v<span class=\"_ _1\"></span>erdipapir<span class=\"_ _1\"></span>er <span class=\"_ _13d\"> </span><span class=\"ls0 ws0\">58 22<span class=\"_ _1\"></span>4<span class=\"_ _cc\"> </span><span class=\"lsf wsf\">20<span class=\"_ _8\"></span> 577<span class=\"_ _cc\"> </span></span>67 6<span class=\"_ _8\"></span>83<span class=\"_ _5c\"> </span><span class=\"lsa wsa\">146 4<span class=\"_ _8\"></span>84</span></span></span><span style=\"display:inherit;clear:left;\">Finansielle deriv<span class=\"_ _1\"></span>at<span class=\"_ _1\"></span>er<span class=\"_ _7c\"> </span></span><span style=\"display:inherit;clear:left;\">1<span class=\"_ _1\"></span> 298<span class=\"_ _1ab\"> </span><span class=\"ls61 wsb5\">372<span class=\"_ _5e\"> </span><span class=\"ls125 ws1cf\">1 670</span></span></span><span style=\"display:inherit;clear:left;\">Av<span class=\"_ _1\"></span>setning gar<span class=\"_ _1\"></span>antier<span class=\"_ _0\"></span>, ubenyttet kreditt<span class=\"_ _1\"></span> og l\u00e5netilsagn<span class=\"_ _1ac\"> </span><span class=\"lsa wsa\">149<span class=\"_ _78\"> </span>149</span></span><span style=\"display:inherit;clear:left;\">Ansvarlig<span class=\"_ _1\"></span> l\u00e5nekapital<span class=\"_ _1ad\"> </span><span class=\"ls0 ws0\">2 165<span class=\"_ _6f\"> </span>2 165</span></span><span style=\"display:inherit;clear:left;\">To<span class=\"_ _8\"></span>t<span class=\"_ _a\"></span>a<span class=\"_ _8\"></span>l<span class=\"_ _a\"></span>t<span class=\"_ _1ae\"> </span></span><span style=\"display:inherit;clear:left;\">1 298<span class=\"_ _c7\"> </span>60 048<span class=\"_ _c7\"> </span>20 948<span class=\"_ _10a\"> </span><span class=\"ls92 wsee\">197 2<span class=\"_ _8\"></span>27<span class=\"_ _5c\"> </span>279 52<span class=\"_ _8\"></span>2</span></span><span style=\"display:inherit;clear:left;\">Virkelig </span><span style=\"display:inherit;clear:left;\">Virkelig </span><span style=\"display:inherit;clear:left;\">verd<span class=\"_ _8\"></span>i over </span><span style=\"display:inherit;clear:left;\">verd<span class=\"_ _8\"></span>i over </span><span style=\"display:inherit;clear:left;\">KONSERN<span class=\"_ _1\"></span><span class=\"ls0 ws0\"> </span></span><span style=\"display:inherit;clear:left;\">re<span class=\"_ _8\"></span>su<span class=\"_ _8\"></span>lt<span class=\"_ _8\"></span>at </span><span style=\"display:inherit;clear:left;\">re<span class=\"_ _8\"></span>su<span class=\"_ _8\"></span>lt<span class=\"_ _8\"></span>at </span><span style=\"display:inherit;clear:left;\">Sikrings-</span><span style=\"display:inherit;clear:left;\">Amortisert </span><span style=\"display:inherit;clear:left;\">2)</span><span style=\"display:inherit;clear:left;\">bokf\u00f8ring </span><span style=\"display:inherit;clear:left;\">1)</span><span style=\"display:inherit;clear:left;\">31/12-<span class=\"_ _1\"></span>2022</span><span style=\"display:inherit;clear:left;\">(pliktig<span class=\"_ _8\"></span>)</span><span style=\"display:inherit;clear:left;\">(op<span class=\"_ _1\"></span>sjon<span class=\"_ _1\"></span>) </span><span style=\"display:inherit;clear:left;\">kost<span class=\"_ _8a\"> </span><span class=\"ls142 ws1f1\">To<span class=\"_ _8\"></span>t<span class=\"_ _a\"></span>a<span class=\"_ _a\"></span>l<span class=\"_ _8\"></span>t</span></span><span style=\"display:inherit;clear:left;\">Eiendeler</span><span style=\"display:inherit;clear:left;\">Kontan<span class=\"_ _1\"></span>ter og<span class=\"_ _1\"></span> for<span class=\"_ _1\"></span>dringer p\u00e5<span class=\"_ _1\"></span> sentr<span class=\"_ _1\"></span>albanker<span class=\"_ _1af\"> </span><span class=\"lsa wsa\">143<span class=\"_ _78\"> </span>14<span class=\"_ _8\"></span>3</span></span><span style=\"display:inherit;clear:left;\">Utl\u00e5n til<span class=\"_ _1\"></span> og for<span class=\"_ _1\"></span>dringer<span class=\"_ _1\"></span> p\u00e5 kredi<span class=\"_ _1\"></span>ttinstitusjoner<span class=\"_ _1b0\"> </span><span class=\"ls0 ws0\">1 018<span class=\"_ _94\"> </span>1 018</span></span><span style=\"display:inherit;clear:left;\">Netto utl\u00e5n<span class=\"_ _1b1\"> </span><span class=\"ls0 ws0\">22 840<span class=\"_ _de\"> </span>2<span class=\"_ _1\"></span>01 654<span class=\"_ _111\"> </span><span class=\"ls84 wsdf\">2<span class=\"_ _8\"></span>24 4<span class=\"_ _8\"></span>9<span class=\"_ _8\"></span>4</span></span></span><span style=\"display:inherit;clear:left;\">Aksjer til<span class=\"_ _1\"></span> virkelig<span class=\"_ _1\"></span> ver<span class=\"_ _1\"></span>di ov<span class=\"_ _1\"></span>er r<span class=\"_ _1\"></span>esultat<span class=\"_ _1\"></span>et<span class=\"_ _172\"> </span><span class=\"ls125 ws1cf\">226<span class=\"_ _1b2\"> </span><span class=\"ls122 ws1cc\">226</span></span></span><span style=\"display:inherit;clear:left;\">Sertifikater og<span class=\"_ _1\"></span> obligasjoner<span class=\"_ _34\"> </span><span class=\"ls138 ws1e5\">30<span class=\"_ _8\"></span> 825<span class=\"_ _1b3\"> </span><span class=\"ls10 ws10\">30 825</span></span></span><span style=\"display:inherit;clear:left;\">Finansielle deriv<span class=\"_ _1\"></span>at<span class=\"_ _1\"></span>er<span class=\"_ _7c\"> </span></span><span style=\"display:inherit;clear:left;\">1 280<span class=\"_ _5e\"> </span><span class=\"ls0 ws0\">1 2<span class=\"_ _1\"></span>96<span class=\"_ _e2\"> </span><span class=\"ls21 ws175\">2 575</span></span></span><span style=\"display:inherit;clear:left;\">To<span class=\"_ _8\"></span>t<span class=\"_ _a\"></span>a<span class=\"_ _8\"></span>l<span class=\"_ _a\"></span>t<span class=\"_ _1a8\"> </span></span><span style=\"display:inherit;clear:left;\">32 3<span class=\"_ _8\"></span>30<span class=\"_ _db\"> </span><span class=\"ls0 ws0\">22 840<span class=\"_ _189\"> </span>1 29<span class=\"_ _8\"></span>6<span class=\"_ _1b4\"> </span><span class=\"lsf2 ws154\">202 815<span class=\"_ _10b\"> </span></span>259 281</span></span><span style=\"display:inherit;clear:left;\">Gjeld</span><span style=\"display:inherit;clear:left;\">Gjeld til kr<span class=\"_ _1\"></span>edittinstitusjoner<span class=\"_ _1b5\"> </span><span class=\"ls0 ws0\">3 095<span class=\"_ _6b\"> </span>3 095</span></span><span style=\"display:inherit;clear:left;\">Innskudd<span class=\"_ _12e\"> </span></span><span style=\"display:inherit;clear:left;\">576<span class=\"_ _50\"> </span><span class=\"ls14 ws14\">111 698<span class=\"_ _dc\"> </span><span class=\"ls124 ws1ce\">1<span class=\"_ _8\"></span>1<span class=\"_ _a\"></span>2<span class=\"_ _8\"></span> 2<span class=\"_ _a\"></span>74</span></span></span><span style=\"display:inherit;clear:left;\">Gjeld stiftet<span class=\"_ _1\"></span> ved u<span class=\"_ _1\"></span>tstedelse a<span class=\"_ _1\"></span>v v<span class=\"_ _1\"></span>erdipapir<span class=\"_ _1\"></span>er <span class=\"_ _1b6\"> </span></span><span style=\"display:inherit;clear:left;\">46<span class=\"_ _8\"></span> 042<span class=\"_ _90\"> </span></span><span style=\"display:inherit;clear:left;\">19 093</span><span style=\"display:inherit;clear:left;\"><span class=\"_ _cb\"> </span><span class=\"ls125 ws1cf\">5<span class=\"_ _8\"></span>4<span class=\"_ _8\"></span> 701<span class=\"_ _131\"> </span></span></span><span style=\"display:inherit;clear:left;\">119<span class=\"_ _1\"></span> 836</span><span style=\"display:inherit;clear:left;\">Finansielle deriv<span class=\"_ _1\"></span>at<span class=\"_ _1\"></span>er<span class=\"_ _1b7\"> </span></span><span style=\"display:inherit;clear:left;\">1<span class=\"_ _8\"></span> 792<span class=\"_ _129\"> </span><span class=\"ls12c ws1d6\">130<span class=\"_ _5f\"> </span><span class=\"ls0 ws0\">1 922</span></span></span><span style=\"display:inherit;clear:left;\">Av<span class=\"_ _1\"></span>setning gar<span class=\"_ _1\"></span>antier<span class=\"_ _0\"></span>, ubenyttet kreditt<span class=\"_ _1\"></span> og l\u00e5netilsagn<span class=\"_ _1b8\"> </span>96<span class=\"_ _10\"> </span>96</span><span style=\"display:inherit;clear:left;\">Ansvarlig<span class=\"_ _1\"></span> l\u00e5nekapital<span class=\"_ _1ad\"> </span><span class=\"ls0 ws0\">1 855<span class=\"_ _6f\"> </span>1 855</span></span><span style=\"display:inherit;clear:left;\">To<span class=\"_ _8\"></span>t<span class=\"_ _a\"></span>a<span class=\"_ _8\"></span>l<span class=\"_ _a\"></span>t<span class=\"_ _1b9\"> </span></span><span style=\"display:inherit;clear:left;\">1 792<span class=\"_ _d4\"> </span></span><span style=\"display:inherit;clear:left;\">46 618<span class=\"_ _cb\"> </span>19 2<span class=\"_ _8\"></span>23<span class=\"_ _1b4\"> </span><span class=\"lsd wsd\">171 444<span class=\"_ _a5\"> </span><span class=\"ls82 ws14b\">239<span class=\"_ _8\"></span> 077</span></span></span><span style=\"display:inherit;clear:left;\">1)</span><span style=\"display:inherit;clear:left;\">  <span class=\"_ _4\"></span>Konsernet benytter sikringsbok<span class=\"_ _8\"></span>f\u00f8ring f<span class=\"_ _1\"></span>or \u00e5 styre<span class=\"_ _1\"></span> rent<span class=\"_ _1\"></span>erisiko f<span class=\"_ _1\"></span>or langsiktig finansiell g<span class=\"_ _8\"></span>jeld knyttet til boligkreditts<span class=\"_ _8\"></span>elskapet. <span class=\"ls0 ws0\"> </span></span><span style=\"display:inherit;clear:left;\">For fina<span class=\"_ _8\"></span>nsi<span class=\"_ _8\"></span>ell g<span class=\"_ _a\"></span>jel<span class=\"_ _8\"></span>d som e<span class=\"_ _8\"></span>r sik<span class=\"_ _8\"></span>ring<span class=\"_ _8\"></span>sbo<span class=\"_ _8\"></span>kf\u00f8<span class=\"_ _8\"></span>rt v<span class=\"_ _8\"></span>urdere<span class=\"_ _8\"></span>s de si<span class=\"_ _8\"></span>kred<span class=\"_ _8\"></span>e risi<span class=\"_ _8\"></span>koene t<span class=\"_ _8\"></span>il vi<span class=\"_ _8\"></span>rkeli<span class=\"_ _8\"></span>g verdi, m<span class=\"_ _8\"></span>ens re<span class=\"_ _8\"></span>sten av ins<span class=\"_ _8\"></span>tru<span class=\"_ _8\"></span>mentet e<span class=\"_ _8\"></span>r vurd<span class=\"_ _8\"></span>er<span class=\"_ _8\"></span>t </span><span style=\"display:inherit;clear:left;\">til amortisert kost. Sikring<span class=\"_ _1\"></span>sderiva<span class=\"_ _1\"></span>tene vur<span class=\"_ _1\"></span>deres<span class=\"_ _1\"></span> til virk<span class=\"_ _1\"></span>elig ver<span class=\"_ _1\"></span>di. Se<span class=\"_ _1\"></span> note<span class=\"_ _1\"></span> 25.</span><span style=\"display:inherit;clear:left;\">2)</span><span style=\"display:inherit;clear:left;\"> End<span class=\"_ _8\"></span>ring i v<span class=\"_ _8\"></span>irkel<span class=\"_ _8\"></span>ig verd<span class=\"_ _8\"></span>i knyt<span class=\"_ _8\"></span>tet ti<span class=\"_ _8\"></span>l end<span class=\"_ _8\"></span>ring i e<span class=\"_ _8\"></span>gen k<span class=\"_ _8\"></span>redit<span class=\"_ _8\"></span>tri<span class=\"_ _8\"></span>siko er f\u00f8<span class=\"_ _8\"></span>rt over u<span class=\"_ _8\"></span>tvi<span class=\"_ _8\"></span>det re<span class=\"_ _8\"></span>sult<span class=\"_ _8\"></span>atreg<span class=\"_ _8\"></span>nska<span class=\"_ _8\"></span>p.</span><span style=\"display:inherit;clear:left;\">Virkelig <span class=\"_ _4\"></span><span class=\"ls0 ws0\"> </span></span><span style=\"display:inherit;clear:left;\">Virkelig <span class=\"_ _4\"></span><span class=\"ls0 ws0\"> </span></span><span style=\"display:inherit;clear:left;\">Virkelig <span class=\"_ _4\"></span><span class=\"ls0 ws0\"> </span></span><span style=\"display:inherit;clear:left;\">verd<span class=\"_ _8\"></span>i over </span><span style=\"display:inherit;clear:left;\">verd<span class=\"_ _8\"></span>i over </span><span style=\"display:inherit;clear:left;\">verd<span class=\"_ _8\"></span>i over </span><span style=\"display:inherit;clear:left;\">utv<span class=\"_ _8\"></span>ide<span class=\"_ _8\"></span>t </span><span style=\"display:inherit;clear:left;\">MORBANK<span class=\"ls0 ws0\"> </span></span><span style=\"display:inherit;clear:left;\">re<span class=\"_ _8\"></span>su<span class=\"_ _8\"></span>lt<span class=\"_ _8\"></span>at </span><span style=\"display:inherit;clear:left;\">re<span class=\"_ _8\"></span>su<span class=\"_ _8\"></span>lt<span class=\"_ _8\"></span>at </span><span style=\"display:inherit;clear:left;\">re<span class=\"_ _8\"></span>su<span class=\"_ _8\"></span>lt<span class=\"_ _8\"></span>at <span class=\"_ _b3\"></span><span class=\"ls0 ws0\"> </span></span><span style=\"display:inherit;clear:left;\">Amortisert </span><span style=\"display:inherit;clear:left;\">31/12-<span class=\"_ _1\"></span>2023</span><span style=\"display:inherit;clear:left;\">(pliktig<span class=\"_ _8\"></span>)</span><span style=\"display:inherit;clear:left;\">(op<span class=\"_ _1\"></span>sjon<span class=\"_ _1\"></span>)</span><span style=\"display:inherit;clear:left;\">(OC<span class=\"_ _8\"></span>I)</span><span style=\"display:inherit;clear:left;\">kost<span class=\"_ _8a\"> </span><span class=\"ls142 ws1f1\">To<span class=\"_ _8\"></span>t<span class=\"_ _a\"></span>a<span class=\"_ _a\"></span>l<span class=\"_ _8\"></span>t</span></span><span style=\"display:inherit;clear:left;\">Eiendeler</span><span style=\"display:inherit;clear:left;\">Kontan<span class=\"_ _1\"></span>ter og<span class=\"_ _1\"></span> for<span class=\"_ _1\"></span>dringer p\u00e5<span class=\"_ _1\"></span> sentr<span class=\"_ _1\"></span>albanker<span class=\"_ _1af\"> </span></span><span style=\"display:inherit;clear:left;\">387<span class=\"_ _16\"> </span>3<span class=\"_ _8\"></span>87</span><span style=\"display:inherit;clear:left;\">Utl\u00e5n til<span class=\"_ _1\"></span> og for<span class=\"_ _1\"></span>dringer<span class=\"_ _1\"></span> p\u00e5 kredi<span class=\"_ _1\"></span>ttinstitusjoner<span class=\"_ _1ba\"> </span></span><span style=\"display:inherit;clear:left;\">2<span class=\"_ _8\"></span>3<span class=\"_ _a\"></span> 74<span class=\"_ _a\"></span>8<span class=\"_ _b7\"> </span>2<span class=\"_ _8\"></span>3<span class=\"_ _a\"></span> 74<span class=\"_ _a\"></span>8</span><span style=\"display:inherit;clear:left;\">Netto utl\u00e5n<span class=\"_ _1bb\"> </span></span><span style=\"display:inherit;clear:left;\">4 591<span class=\"_ _dc\"> </span></span><span style=\"display:inherit;clear:left;\">50 090<span class=\"_ _c9\"> </span></span><span style=\"display:inherit;clear:left;\">59<span class=\"_ _8\"></span> 5<span class=\"_ _8\"></span>42<span class=\"_ _c7\"> </span><span class=\"ls7 ws7\">114 222</span></span><span style=\"display:inherit;clear:left;\">Aksjer til<span class=\"_ _1\"></span> virkelig<span class=\"_ _1\"></span> ver<span class=\"_ _1\"></span>di ov<span class=\"_ _1\"></span>er r<span class=\"_ _1\"></span>esultat<span class=\"_ _1\"></span>et<span class=\"_ _1a5\"> </span></span><span style=\"display:inherit;clear:left;\">559<span class=\"_ _1b2\"> </span>559</span><span style=\"display:inherit;clear:left;\">Sertifikater og<span class=\"_ _1\"></span> obligasjoner<span class=\"_ _1bc\"> </span></span><span style=\"display:inherit;clear:left;\">33 91<span class=\"_ _8\"></span>5<span class=\"_ _17f\"> </span>33 915</span><span style=\"display:inherit;clear:left;\">Finansielle deriv<span class=\"_ _1\"></span>at<span class=\"_ _1\"></span>er<span class=\"_ _1bd\"> </span></span><span style=\"display:inherit;clear:left;\">4 608<span class=\"_ _1be\"> </span>4 608</span><span style=\"display:inherit;clear:left;\">To<span class=\"_ _8\"></span>t<span class=\"_ _a\"></span>a<span class=\"_ _8\"></span>l<span class=\"_ _a\"></span>t<span class=\"_ _140\"> </span></span><span style=\"display:inherit;clear:left;\">39 08<span class=\"_ _8\"></span>3<span class=\"_ _8e\"> </span><span class=\"ls8 ws8\">4<span class=\"_ _8\"></span> 59<span class=\"_ _8\"></span>1<span class=\"_ _c7\"> </span></span>50 090<span class=\"_ _c9\"> </span></span><span style=\"display:inherit;clear:left;\">8<span class=\"_ _8\"></span>3<span class=\"_ _8\"></span> 6<span class=\"_ _8\"></span>76<span class=\"_ _10b\"> </span><span class=\"ls92 wsee\">17<span class=\"_ _8\"></span>7 43<span class=\"_ _8\"></span>9</span></span><span style=\"display:inherit;clear:left;\">Gjeld</span><span style=\"display:inherit;clear:left;\">Gjeld til kr<span class=\"_ _1\"></span>edittinstitusjoner<span class=\"_ _1bf\"> </span></span><span style=\"display:inherit;clear:left;\">9 129<span class=\"_ _6f\"> </span>9 129</span><span style=\"display:inherit;clear:left;\">Innskudd<span class=\"_ _1aa\"> </span></span><span style=\"display:inherit;clear:left;\">1 8<span class=\"_ _8\"></span>24<span class=\"_ _f7\"> </span>1<span class=\"_ _8\"></span>21<span class=\"_ _8\"></span> 824<span class=\"_ _10a\"> </span><span class=\"ls122 ws1cc\">123 648</span></span><span style=\"display:inherit;clear:left;\">Gjeld stiftet<span class=\"_ _1\"></span> ved u<span class=\"_ _1\"></span>tstedelse a<span class=\"_ _1\"></span>v v<span class=\"_ _1\"></span>erdipapir<span class=\"_ _1\"></span>er<span class=\"_ _aa\"> </span></span><span style=\"display:inherit;clear:left;\">10 2<span class=\"_ _1\"></span>7<span class=\"_ _0\"></span>4<span class=\"_ _1c0\"> </span><span class=\"ls59 wsac\">1<span class=\"_ _8\"></span>2<span class=\"_ _8\"></span> 414<span class=\"_ _d4\"> </span></span>22 68<span class=\"_ _8\"></span>9</span><span style=\"display:inherit;clear:left;\">Finansielle deriv<span class=\"_ _1\"></span>at<span class=\"_ _1\"></span>er<span class=\"_ _138\"> </span></span><span style=\"display:inherit;clear:left;\">4 540<span class=\"_ _150\"> </span>4 540</span><span style=\"display:inherit;clear:left;\">Av<span class=\"_ _1\"></span>setning gar<span class=\"_ _1\"></span>antier<span class=\"_ _0\"></span>, ubenyttet kreditt<span class=\"_ _1\"></span> og l\u00e5netilsagn<span class=\"_ _1ac\"> </span></span><span style=\"display:inherit;clear:left;\">146<span class=\"_ _78\"> </span>146</span><span style=\"display:inherit;clear:left;\">Ansvarlig<span class=\"_ _1\"></span> l\u00e5nekapital<span class=\"_ _1ad\"> </span></span><span style=\"display:inherit;clear:left;\">2 165<span class=\"_ _6f\"> </span>2 165</span><span style=\"display:inherit;clear:left;\">To<span class=\"_ _8\"></span>t<span class=\"_ _a\"></span>a<span class=\"_ _8\"></span>l<span class=\"_ _a\"></span>t<span class=\"_ _171\"> </span></span><span style=\"display:inherit;clear:left;\">4 540<span class=\"_ _cb\"> </span>12 098<span class=\"_ _15\"> </span>0<span class=\"_ _1b4\"> </span></span><span style=\"display:inherit;clear:left;\">14<span class=\"_ _8\"></span>5 679<span class=\"_ _a3\"> </span><span class=\"ls9a wsf7\">162 316</span></span><span style=\"display:inherit;clear:left;\">Virkelig <span class=\"_ _4\"></span><span class=\"ls0 ws0\"> </span></span><span style=\"display:inherit;clear:left;\">Virkelig <span class=\"_ _4\"></span><span class=\"ls0 ws0\"> </span></span><span style=\"display:inherit;clear:left;\">Virkelig <span class=\"_ _4\"></span><span class=\"ls0 ws0\"> </span></span><span style=\"display:inherit;clear:left;\">verd<span class=\"_ _8\"></span>i over </span><span style=\"display:inherit;clear:left;\">verd<span class=\"_ _8\"></span>i over </span><span style=\"display:inherit;clear:left;\">verd<span class=\"_ _8\"></span>i over </span><span style=\"display:inherit;clear:left;\">utv<span class=\"_ _8\"></span>ide<span class=\"_ _8\"></span>t </span><span style=\"display:inherit;clear:left;\">MORBANK<span class=\"ls0 ws0\"> </span></span><span style=\"display:inherit;clear:left;\">re<span class=\"_ _8\"></span>su<span class=\"_ _8\"></span>lt<span class=\"_ _8\"></span>at </span><span style=\"display:inherit;clear:left;\">re<span class=\"_ _8\"></span>su<span class=\"_ _8\"></span>lt<span class=\"_ _8\"></span>at </span><span style=\"display:inherit;clear:left;\">re<span class=\"_ _8\"></span>su<span class=\"_ _8\"></span>lt<span class=\"_ _8\"></span>at <span class=\"_ _b3\"></span><span class=\"ls0 ws0\"> </span></span><span style=\"display:inherit;clear:left;\">Amortisert </span><span style=\"display:inherit;clear:left;\">31/12-<span class=\"_ _1\"></span>2022</span><span style=\"display:inherit;clear:left;\">(pliktig<span class=\"_ _8\"></span>)</span><span style=\"display:inherit;clear:left;\">(op<span class=\"_ _1\"></span>sjon<span class=\"_ _1\"></span>)</span><span style=\"display:inherit;clear:left;\">(OC<span class=\"_ _8\"></span>I)</span><span style=\"display:inherit;clear:left;\">kost<span class=\"_ _8a\"> </span><span class=\"ls142 ws1f1\">To<span class=\"_ _8\"></span>t<span class=\"_ _a\"></span>a<span class=\"_ _a\"></span>l<span class=\"_ _8\"></span>t</span></span><span style=\"display:inherit;clear:left;\">Eiendeler</span><span style=\"display:inherit;clear:left;\">Kontan<span class=\"_ _1\"></span>ter og<span class=\"_ _1\"></span> for<span class=\"_ _1\"></span>dringer p\u00e5<span class=\"_ _1\"></span> sentr<span class=\"_ _1\"></span>albanker<span class=\"_ _1af\"> </span></span><span style=\"display:inherit;clear:left;\">143<span class=\"_ _16\"> </span>143</span><span style=\"display:inherit;clear:left;\">Utl\u00e5n til<span class=\"_ _1\"></span> og for<span class=\"_ _1\"></span>dringer<span class=\"_ _1\"></span> p\u00e5 kredi<span class=\"_ _1\"></span>ttinstitusjoner<span class=\"_ _1c1\"> </span></span><span style=\"display:inherit;clear:left;\">19 573<span class=\"_ _89\"> </span>1<span class=\"_ _8\"></span>9 573</span><span style=\"display:inherit;clear:left;\">Netto utl\u00e5n<span class=\"_ _1bb\"> </span></span><span style=\"display:inherit;clear:left;\">4 7<span class=\"_ _8\"></span>97<span class=\"_ _dd\"> </span></span><span style=\"display:inherit;clear:left;\">36 5<span class=\"_ _8\"></span>61<span class=\"_ _131\"> </span>55 9<span class=\"_ _8\"></span>00<span class=\"_ _d4\"> </span><span class=\"ls82 ws14b\">97<span class=\"_ _8\"></span> 258</span></span><span style=\"display:inherit;clear:left;\">Aksjer til<span class=\"_ _1\"></span> virkelig<span class=\"_ _1\"></span> ver<span class=\"_ _1\"></span>di ov<span class=\"_ _1\"></span>er r<span class=\"_ _1\"></span>esultat<span class=\"_ _1\"></span>et<span class=\"_ _1c2\"> </span></span><span style=\"display:inherit;clear:left;\">226<span class=\"_ _1b2\"> </span>226</span><span style=\"display:inherit;clear:left;\">Sertifikater og<span class=\"_ _1\"></span> obligasjoner<span class=\"_ _1c3\"> </span></span><span style=\"display:inherit;clear:left;\">30 64<span class=\"_ _8\"></span>8<span class=\"_ _1c4\"> </span>30 64<span class=\"_ _8\"></span>8</span><span style=\"display:inherit;clear:left;\">Finansielle deriv<span class=\"_ _1\"></span>at<span class=\"_ _1\"></span>er<span class=\"_ _1bd\"> </span></span><span style=\"display:inherit;clear:left;\">4 894<span class=\"_ _150\"> </span>4 89<span class=\"_ _8\"></span>4</span><span style=\"display:inherit;clear:left;\">To<span class=\"_ _8\"></span>t<span class=\"_ _a\"></span>a<span class=\"_ _8\"></span>l<span class=\"_ _a\"></span>t<span class=\"_ _15d\"> </span></span><span style=\"display:inherit;clear:left;\">35<span class=\"_ _8\"></span> 76<span class=\"_ _8\"></span>9<span class=\"_ _6b\"> </span></span><span style=\"display:inherit;clear:left;\">4 797<span class=\"_ _90\"> </span></span><span style=\"display:inherit;clear:left;\">36 56<span class=\"_ _8\"></span>1<span class=\"_ _90\"> </span></span><span style=\"display:inherit;clear:left;\">75 61<span class=\"_ _8\"></span>5<span class=\"_ _10a\"> </span><span class=\"ls144 ws1f3\">1<span class=\"_ _8\"></span>5<span class=\"_ _8\"></span>2<span class=\"_ _8\"></span> 74<span class=\"_ _a\"></span>2</span></span><span style=\"display:inherit;clear:left;\">Gjeld</span><span style=\"display:inherit;clear:left;\">Gjeld til kr<span class=\"_ _1\"></span>edittinstitusjoner<span class=\"_ _1c5\"> </span></span><span style=\"display:inherit;clear:left;\">3 568<span class=\"_ _107\"> </span>3 56<span class=\"_ _8\"></span>8</span><span style=\"display:inherit;clear:left;\">Innskudd<span class=\"_ _1c6\"> </span></span><span style=\"display:inherit;clear:left;\">576<span class=\"_ _119\"> </span></span><span style=\"display:inherit;clear:left;\">111 726<span class=\"_ _c7\"> </span><span class=\"ls122 ws1cc\">112 302</span></span><span style=\"display:inherit;clear:left;\">Gjeld stiftet<span class=\"_ _1\"></span> ved u<span class=\"_ _1\"></span>tstedelse a<span class=\"_ _1\"></span>v v<span class=\"_ _1\"></span>erdipapir<span class=\"_ _1\"></span>er<span class=\"_ _191\"> </span></span><span style=\"display:inherit;clear:left;\">8 23<span class=\"_ _8\"></span>9<span class=\"_ _119\"> </span></span><span style=\"display:inherit;clear:left;\">10<span class=\"_ _1\"></span> 023<span class=\"_ _90\"> </span><span class=\"ls122 ws1cc\">1<span class=\"_ _8\"></span>8 262</span></span><span style=\"display:inherit;clear:left;\">Finansielle deriv<span class=\"_ _1\"></span>at<span class=\"_ _1\"></span>er<span class=\"_ _1c7\"> </span></span><span style=\"display:inherit;clear:left;\">2 5<span class=\"_ _8\"></span>07<span class=\"_ _1c8\"> </span>2 5<span class=\"_ _8\"></span>07</span><span style=\"display:inherit;clear:left;\">Av<span class=\"_ _1\"></span>setning gar<span class=\"_ _1\"></span>antier<span class=\"_ _0\"></span>, ubenyttet kreditt<span class=\"_ _1\"></span> og l\u00e5netilsagn<span class=\"_ _1b8\"> </span>96<span class=\"_ _10\"> </span>96</span><span style=\"display:inherit;clear:left;\">Ansvarlig<span class=\"_ _1\"></span> l\u00e5nekapital<span class=\"_ _1ad\"> </span></span><span style=\"display:inherit;clear:left;\">1 855<span class=\"_ _6f\"> </span>1 855</span><span style=\"display:inherit;clear:left;\">To<span class=\"_ _8\"></span>t<span class=\"_ _a\"></span>a<span class=\"_ _8\"></span>l<span class=\"_ _a\"></span>t<span class=\"_ _1c9\"> </span></span><span style=\"display:inherit;clear:left;\">2 507<span class=\"_ _86\"> </span></span><span style=\"display:inherit;clear:left;\">8 815<span class=\"_ _9c\"> </span>0<span class=\"_ _10a\"> </span></span><span style=\"display:inherit;clear:left;\">127 267<span class=\"_ _1b4\"> </span><span class=\"ls123 ws1cd\">138 589</span></span>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfEntitysReportableSegmentsExplanatory",
    "language": "no",
    "entity": "scheme:213800M7T3CYVZ3ZRT12",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "s10_notes__6__27": {
   "value": "<span style=\"display:inherit;clear:left;\">Konsernledelsen h<span class=\"_ _1\"></span>ar vurdert h<span class=\"_ _1\"></span>vilke<span class=\"_ _1\"></span> segmenter som<span class=\"_ _1\"></span> er </span><span style=\"display:inherit;clear:left;\">hen<span class=\"_ _8\"></span>sik<span class=\"_ _8\"></span>tsm<span class=\"_ _8\"></span>es<span class=\"_ _8\"></span>sig \u00e5 ra<span class=\"_ _8\"></span>ppo<span class=\"_ _8\"></span>rt<span class=\"_ _8\"></span>ere p\u00e5 i for<span class=\"_ _8\"></span>hol<span class=\"_ _8\"></span>d til st<span class=\"_ _8\"></span>yr<span class=\"_ _8\"></span>ing og ko<span class=\"_ _8\"></span>ntrol<span class=\"_ _8\"></span>l. </span><span style=\"display:inherit;clear:left;\">Segmentene er i<span class=\"_ _1\"></span>nndelt i Bedriftsmark<span class=\"_ _1\"></span>ed, Priva<span class=\"_ _1\"></span>tmark<span class=\"_ _1\"></span>ed, Bulder<span class=\"_ _2\"></span>, </span><span style=\"display:inherit;clear:left;\">T<span class=\"_ _2\"></span>reasur<span class=\"_ _8\"></span>y og Eiendomsmegling<span class=\"_ _8\"></span>. Driftskostnadene er dir<span class=\"_ _1\"></span>ekte </span><span style=\"display:inherit;clear:left;\">allokert, med unn<span class=\"_ _1\"></span>tak a<span class=\"_ _1\"></span>v IT<span class=\"_ _0\"></span>-kostna<span class=\"_ _1\"></span>der<span class=\"_ _2\"></span>, stabsrela<span class=\"_ _1\"></span>terte k<span class=\"_ _1\"></span>ostnader<span class=\"_ _1\"></span> </span><span style=\"display:inherit;clear:left;\">og a<span class=\"_ _1\"></span>vskrivinge<span class=\"_ _1\"></span>r<span class=\"_ _2\"></span>. Inndelingen<span class=\"_ _1\"></span> er basert p\u00e5 int<span class=\"_ _1\"></span>ern </span><span style=\"display:inherit;clear:left;\">ledelsesrapportering og r<span class=\"_ _1\"></span>essursallokering. Nettor<span class=\"_ _1\"></span>ente<span class=\"_ _1\"></span> er </span><span style=\"display:inherit;clear:left;\">allokert p\u00e5 grunnlag a<span class=\"_ _1\"></span>v<span class=\"_ _1\"></span> intern<span class=\"_ _1\"></span>t beregnet<span class=\"_ _1\"></span> mellomregningsr<span class=\"_ _1\"></span>ente<span class=\"_ _1\"></span> </span><span style=\"display:inherit;clear:left;\">bas<span class=\"_ _8\"></span>er<span class=\"_ _8\"></span>t p\u00e5 3 mn<span class=\"_ _8\"></span>d NIB<span class=\"_ _8\"></span>OR</span>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForSegmentReportingExplanatory",
    "language": "no",
    "entity": "scheme:213800M7T3CYVZ3ZRT12",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "s10_notes__6__32-1": {
   "value": "<span style=\"display:inherit;clear:left;\">No<span class=\"_ _1\"></span>te 5 Virk<span class=\"_ _1\"></span>elig v<span class=\"_ _2\"></span>erdi a<span class=\"_ _1\"></span>v finansie<span class=\"_ _1\"></span>lle instr<span class=\"_ _8\"></span>umen<span class=\"_ _1\"></span>te<span class=\"_ _1\"></span>r vurdert t<span class=\"_ _8\"></span>il amort<span class=\"_ _8\"></span>isert kos<span class=\"_ _1\"></span>t</span><span style=\"display:inherit;clear:left;\">31/12-<span class=\"_ _1\"></span>2023<span class=\"_ _5f\"> </span>31/1<span class=\"_ _8\"></span>2<span class=\"_ _1\"></span>-<span class=\"_ _1\"></span>2022</span><span style=\"display:inherit;clear:left;\">Balansef\u00f8rt <span class=\"_ _4\"></span><span class=\"ls0 ws0\"> </span></span><span style=\"display:inherit;clear:left;\">Virkelig<span class=\"ls0 ws0\"> </span></span><span style=\"display:inherit;clear:left;\">Balansef\u00f8rt <span class=\"_ _4\"></span><span class=\"ls0 ws0\"> </span></span><span style=\"display:inherit;clear:left;\">Virkelig<span class=\"ls0 ws0\"> </span></span><span style=\"display:inherit;clear:left;\">KONSERN<span class=\"_ _1ca\"> </span><span class=\"ls11e wsb9\">Noter</span></span><span style=\"display:inherit;clear:left;\">verd<span class=\"_ _8\"></span>i</span><span style=\"display:inherit;clear:left;\">verd<span class=\"_ _8\"></span>i</span><span style=\"display:inherit;clear:left;\">verd<span class=\"_ _8\"></span>i</span><span style=\"display:inherit;clear:left;\">verd<span class=\"_ _8\"></span>i</span><span style=\"display:inherit;clear:left;\">Kontan<span class=\"_ _1\"></span>ter og<span class=\"_ _1\"></span> for<span class=\"_ _1\"></span>dringer p\u00e5<span class=\"_ _1\"></span> sentr<span class=\"_ _1\"></span>albanker<span class=\"_ _1a5\"> </span></span><span style=\"display:inherit;clear:left;\">387<span class=\"_ _97\"> </span>3<span class=\"_ _8\"></span>87<span class=\"_ _43\"> </span></span><span style=\"display:inherit;clear:left;\">143<span class=\"_ _df\"> </span>143</span><span style=\"display:inherit;clear:left;\">Utl\u00e5n til<span class=\"_ _1\"></span> og for<span class=\"_ _1\"></span>dringer<span class=\"_ _1\"></span> p\u00e5 kredi<span class=\"_ _1\"></span>ttinstitusjoner<span class=\"_ _ed\"> </span></span><span style=\"display:inherit;clear:left;\">4<span class=\"_ _8\"></span>,1<span class=\"_ _8\"></span>7<span class=\"_ _91\"> </span></span><span style=\"display:inherit;clear:left;\">3 154<span class=\"_ _91\"> </span>3 154<span class=\"_ _48\"> </span>1 018<span class=\"_ _92\"> </span>1 0<span class=\"_ _8\"></span>18</span><span style=\"display:inherit;clear:left;\">Utl\u00e5n til<span class=\"_ _1\"></span> kunder<span class=\"_ _17b\"> </span></span><span style=\"display:inherit;clear:left;\">4<span class=\"_ _8\"></span>,1<span class=\"_ _8\"></span>2<span class=\"_ _83\"> </span></span><span style=\"display:inherit;clear:left;\">235 695<span class=\"_ _87\"> </span></span><span style=\"display:inherit;clear:left;\">235 939<span class=\"_ _17\"> </span></span><span style=\"display:inherit;clear:left;\">201 6<span class=\"_ _8\"></span>54<span class=\"_ _6f\"> </span>201 818</span><span style=\"display:inherit;clear:left;\">Sum eiendeler vur<span class=\"_ _1\"></span>dert til amortisert kos<span class=\"_ _1\"></span>t<span class=\"_ _19d\"> </span></span><span style=\"display:inherit;clear:left;\">239 235<span class=\"_ _cd\"> </span></span><span style=\"display:inherit;clear:left;\">2<span class=\"_ _a\"></span>3<span class=\"_ _8\"></span>9<span class=\"_ _8\"></span> 47<span class=\"_ _8\"></span>9<span class=\"_ _78\"> </span></span><span style=\"display:inherit;clear:left;\">202 815<span class=\"_ _cd\"> </span><span class=\"ls62 wsb6\">20<span class=\"_ _8\"></span>2 978</span></span><span style=\"display:inherit;clear:left;\">Gjeld til kr<span class=\"_ _1\"></span>edittinstitusjoner<span class=\"_ _1cb\"> </span></span><span style=\"display:inherit;clear:left;\">4,36<span class=\"_ _18\"> </span></span><span style=\"display:inherit;clear:left;\">5 45<span class=\"_ _8\"></span>4<span class=\"_ _11\"> </span>5 4<span class=\"_ _8\"></span>54<span class=\"_ _df\"> </span>3 095<span class=\"_ _16\"> </span>3 095</span><span style=\"display:inherit;clear:left;\">Innskudd fra<span class=\"_ _1\"></span> kunder<span class=\"_ _aa\"> </span></span><span style=\"display:inherit;clear:left;\">4,38<span class=\"_ _ba\"> </span></span><span style=\"display:inherit;clear:left;\">12<span class=\"_ _8\"></span>1 7<span class=\"_ _8\"></span>75<span class=\"_ _ba\"> </span>1<span class=\"_ _8\"></span>21<span class=\"_ _8\"></span> 7<span class=\"_ _8\"></span>75<span class=\"_ _96\"> </span></span><span style=\"display:inherit;clear:left;\">111 698<span class=\"_ _74\"> </span>111 698</span><span style=\"display:inherit;clear:left;\">Gjeld stiftet<span class=\"_ _1\"></span> ved u<span class=\"_ _1\"></span>tstedelse a<span class=\"_ _1\"></span>v v<span class=\"_ _1\"></span>erdipapir<span class=\"_ _1\"></span>er<span class=\"_ _1ab\"> </span></span><span style=\"display:inherit;clear:left;\">4<span class=\"_ _74\"> </span>67 683<span class=\"_ _12\"> </span></span><span style=\"display:inherit;clear:left;\">67 7<span class=\"_ _8\"></span>12<span class=\"_ _95\"> </span></span><span style=\"display:inherit;clear:left;\">5<span class=\"_ _8\"></span>4<span class=\"_ _8\"></span> 701<span class=\"_ _74\"> </span><span class=\"ls108 ws16a\">5<span class=\"_ _8\"></span>4 578</span></span><span style=\"display:inherit;clear:left;\">Ansvarlig<span class=\"_ _1\"></span> l\u00e5nekapital<span class=\"_ _1cc\"> </span></span><span style=\"display:inherit;clear:left;\">4,40<span class=\"_ _e9\"> </span></span><span style=\"display:inherit;clear:left;\">2 165<span class=\"_ _e9\"> </span>2 16<span class=\"_ _8\"></span>8<span class=\"_ _125\"> </span>1 85<span class=\"_ _8\"></span>5<span class=\"_ _8b\"> </span><span class=\"lsa wsa\">1 823</span></span><span style=\"display:inherit;clear:left;\">Sum g<span class=\"_ _8\"></span>jeld vurdert t<span class=\"_ _1\"></span>il amortisert kost<span class=\"_ _1cd\"> </span></span><span style=\"display:inherit;clear:left;\">197 07<span class=\"_ _8\"></span>8<span class=\"_ _6e\"> </span></span><span style=\"display:inherit;clear:left;\">197 1<span class=\"_ _1\"></span>10<span class=\"_ _3e\"> </span></span><span style=\"display:inherit;clear:left;\">171 34<span class=\"_ _8\"></span>8<span class=\"_ _ba\"> </span>17<span class=\"_ _8\"></span>1 193</span><span style=\"display:inherit;clear:left;\">V<span class=\"_ _1\"></span>erdipapirgjeld utpekt til sikringsbokf\u00f8ring<span class=\"_ _ef\"> </span></span><span style=\"display:inherit;clear:left;\">20 57<span class=\"_ _8\"></span>7<span class=\"_ _ba\"> </span></span><span style=\"display:inherit;clear:left;\">2<span class=\"_ _8\"></span>0 5<span class=\"_ _8\"></span>70<span class=\"_ _96\"> </span></span><span style=\"display:inherit;clear:left;\">19 0<span class=\"_ _8\"></span>93<span class=\"_ _1b\"> </span><span class=\"ls9a wsf7\">19 100</span></span><span style=\"display:inherit;clear:left;\">MORBANK</span><span style=\"display:inherit;clear:left;\">Kontan<span class=\"_ _1\"></span>ter og<span class=\"_ _1\"></span> for<span class=\"_ _1\"></span>dringer p\u00e5<span class=\"_ _1\"></span> sentr<span class=\"_ _1\"></span>albanker<span class=\"_ _1a5\"> </span></span><span style=\"display:inherit;clear:left;\">387<span class=\"_ _97\"> </span>3<span class=\"_ _8\"></span>87<span class=\"_ _43\"> </span></span><span style=\"display:inherit;clear:left;\">143<span class=\"_ _df\"> </span>143</span><span style=\"display:inherit;clear:left;\">Utl\u00e5n til<span class=\"_ _1\"></span> og for<span class=\"_ _1\"></span>dringer<span class=\"_ _1\"></span> p\u00e5 kredi<span class=\"_ _1\"></span>ttinstitusjoner<span class=\"_ _ed\"> </span></span><span style=\"display:inherit;clear:left;\">4<span class=\"_ _8\"></span>,1<span class=\"_ _8\"></span>7<span class=\"_ _5d\"> </span></span><span style=\"display:inherit;clear:left;\">2<span class=\"_ _a\"></span>3<span class=\"_ _8\"></span> 74<span class=\"_ _a\"></span>8<span class=\"_ _93\"> </span>2<span class=\"_ _a\"></span>3<span class=\"_ _a\"></span> 74<span class=\"_ _a\"></span>8<span class=\"_ _9d\"> </span></span><span style=\"display:inherit;clear:left;\">19 573<span class=\"_ _12\"> </span>1<span class=\"_ _8\"></span>9 573</span><span style=\"display:inherit;clear:left;\">Utl\u00e5n til<span class=\"_ _1\"></span> kunder<span class=\"_ _17b\"> </span></span><span style=\"display:inherit;clear:left;\">4<span class=\"_ _8\"></span>,1<span class=\"_ _8\"></span>2<span class=\"_ _94\"> </span></span><span style=\"display:inherit;clear:left;\">5<span class=\"_ _8\"></span>9<span class=\"_ _8\"></span> 542<span class=\"_ _5d\"> </span></span><span style=\"display:inherit;clear:left;\">5<span class=\"_ _8\"></span>9 75<span class=\"_ _8\"></span>5<span class=\"_ _10\"> </span></span><span style=\"display:inherit;clear:left;\">55 900<span class=\"_ _74\"> </span><span class=\"ls133 ws1e0\">56 055</span></span><span style=\"display:inherit;clear:left;\">Sum eiendeler vur<span class=\"_ _1\"></span>dert til amortisert kos<span class=\"_ _1\"></span>t<span class=\"_ _1ce\"> </span></span><span style=\"display:inherit;clear:left;\">8<span class=\"_ _8\"></span>3 6<span class=\"_ _8\"></span>76<span class=\"_ _6e\"> </span></span><span style=\"display:inherit;clear:left;\">8<span class=\"_ _8\"></span>3 890<span class=\"_ _a1\"> </span></span><span style=\"display:inherit;clear:left;\">75 6<span class=\"_ _8\"></span>15<span class=\"_ _5d\"> </span><span class=\"ls136 ws1e3\">75 7<span class=\"_ _8\"></span>70</span></span><span style=\"display:inherit;clear:left;\">Gjeld til kr<span class=\"_ _1\"></span>edittinstitusjoner<span class=\"_ _1cb\"> </span></span><span style=\"display:inherit;clear:left;\">4,36<span class=\"_ _e9\"> </span></span><span style=\"display:inherit;clear:left;\">9 129<span class=\"_ _8b\"> </span>9 129<span class=\"_ _25\"> </span></span><span style=\"display:inherit;clear:left;\">3 568<span class=\"_ _8d\"> </span>3 568</span><span style=\"display:inherit;clear:left;\">Innskudd fra<span class=\"_ _1\"></span> kunder<span class=\"_ _aa\"> </span></span><span style=\"display:inherit;clear:left;\">4,38<span class=\"_ _6f\"> </span></span><span style=\"display:inherit;clear:left;\">12<span class=\"_ _8\"></span>1 8<span class=\"_ _8\"></span>24<span class=\"_ _6f\"> </span>1<span class=\"_ _8\"></span>2<span class=\"_ _8\"></span>1 824<span class=\"_ _95\"> </span></span><span style=\"display:inherit;clear:left;\">111 726<span class=\"_ _93\"> </span>111 726</span><span style=\"display:inherit;clear:left;\">Gjeld stiftet<span class=\"_ _1\"></span> ved u<span class=\"_ _1\"></span>tstedelse a<span class=\"_ _1\"></span>v v<span class=\"_ _1\"></span>erdipapir<span class=\"_ _1\"></span>er<span class=\"_ _50\"> </span></span><span style=\"display:inherit;clear:left;\">4,<span class=\"_ _8\"></span>39<span class=\"_ _14\"> </span></span><span style=\"display:inherit;clear:left;\">1<span class=\"_ _8\"></span>2<span class=\"_ _8\"></span> 414<span class=\"_ _11\"> </span>1<span class=\"_ _8\"></span>2<span class=\"_ _8\"></span> 41<span class=\"_ _8\"></span>4<span class=\"_ _4a\"> </span></span><span style=\"display:inherit;clear:left;\">10 023<span class=\"_ _16\"> </span><span class=\"ls0 ws0\">9 93<span class=\"_ _8\"></span>8</span></span><span style=\"display:inherit;clear:left;\">Ansvarlig<span class=\"_ _1\"></span> l\u00e5nekapital<span class=\"_ _1cc\"> </span></span><span style=\"display:inherit;clear:left;\">4,40<span class=\"_ _e9\"> </span></span><span style=\"display:inherit;clear:left;\">2 165<span class=\"_ _e9\"> </span>2 16<span class=\"_ _8\"></span>8<span class=\"_ _125\"> </span>1 85<span class=\"_ _8\"></span>5<span class=\"_ _8b\"> </span><span class=\"lsa wsa\">1 823</span></span><span style=\"display:inherit;clear:left;\">Sum g<span class=\"_ _8\"></span>jeld vurdert t<span class=\"_ _1\"></span>il amortisert kost<span class=\"_ _1cf\"> </span></span><span style=\"display:inherit;clear:left;\">145<span class=\"_ _1\"></span> 533<span class=\"_ _83\"> </span></span><span style=\"display:inherit;clear:left;\">145 5<span class=\"_ _8\"></span>35<span class=\"_ _8b\"> </span></span><span style=\"display:inherit;clear:left;\">12<span class=\"_ _8\"></span>7 172<span class=\"_ _6b\"> </span><span class=\"ls0 ws0\">127 055</span></span><span style=\"display:inherit;clear:left;\">V<span class=\"_ _1\"></span>erdivur<span class=\"_ _1\"></span>dering a<span class=\"_ _1\"></span>v finansielle<span class=\"_ _1\"></span> instrumenter<span class=\"_ _1\"></span> vurdert til<span class=\"_ _1\"></span> amortisert kost</span><span style=\"display:inherit;clear:left;\">Det e<span class=\"_ _8\"></span>r i hoveds<span class=\"_ _8\"></span>ak ut<span class=\"_ _8\"></span>l\u00e5n<span class=\"_ _8\"></span>, inns<span class=\"_ _8\"></span>kud<span class=\"_ _8\"></span>d og inn<span class=\"_ _8\"></span>l\u00e5n m<span class=\"_ _8\"></span>ed <span class=\"ff8 ls136 ws1e3\">flyte<span class=\"_ _8\"></span>nd<span class=\"_ _8\"></span>e<span class=\"_ _8\"></span> re<span class=\"_ _8\"></span>nteb<span class=\"_ _8\"></span>eti<span class=\"_ _8\"></span>n<span class=\"_ _8\"></span>ge<span class=\"_ _8\"></span>l<span class=\"_ _8\"></span>s<span class=\"_ _8\"></span>er<span class=\"_ _8\"></span></span><span class=\"ls5 ws5\"> som vurder<span class=\"_ _1\"></span>es til amortisert kost.<span class=\"_ _1\"></span> Virkelig v<span class=\"_ _1\"></span>erdi<span class=\"_ _1\"></span>-</span></span><span style=\"display:inherit;clear:left;\">betraktinger blir<span class=\"_ _1\"></span> g<span class=\"_ _8\"></span>jort med utgangspunkt i instrument<span class=\"_ _1\"></span>enes egenskaper<span class=\"_ _1\"></span> og ver<span class=\"_ _1\"></span>dier p\u00e5<span class=\"_ _1\"></span> balansedagen. V<span class=\"_ _2\"></span>erdsettelse til virk<span class=\"_ _1\"></span>elig v<span class=\"_ _1\"></span>erdi<span class=\"_ _1\"></span> </span><span style=\"display:inherit;clear:left;\">vil a<span class=\"_ _8\"></span>llti<span class=\"_ _8\"></span>d v\u00e6re be<span class=\"_ _8\"></span>hef<span class=\"_ _8\"></span>tet me<span class=\"_ _8\"></span>d usik<span class=\"_ _8\"></span>kerhet<span class=\"_ _8\"></span>.</span><span style=\"display:inherit;clear:left;\">Utl\u00e5n til<span class=\"_ _1\"></span> og f<span class=\"_ _1\"></span>ordringer<span class=\"_ _1\"></span> p\u00e5 kr<span class=\"_ _1\"></span>edittinstit<span class=\"_ _1\"></span>usjoner </span><span style=\"display:inherit;clear:left;\">De<span class=\"_ _8\"></span>nne reg<span class=\"_ _8\"></span>nsk<span class=\"_ _8\"></span>aps<span class=\"_ _8\"></span>linj<span class=\"_ _8\"></span>e be<span class=\"_ _8\"></span>st\u00e5<span class=\"_ _8\"></span>r i hoveds<span class=\"_ _8\"></span>ak av fordri<span class=\"_ _8\"></span>nger m<span class=\"_ _8\"></span>ed kor<span class=\"_ _8\"></span>t l\u00f8<span class=\"_ _8\"></span>pet<span class=\"_ _8\"></span>id og f<span class=\"_ _8\"></span>ly<span class=\"_ _8\"></span>tend<span class=\"_ _8\"></span>e rente. D<span class=\"_ _8\"></span>ette m<span class=\"_ _8\"></span>edf\u00f8<span class=\"_ _8\"></span>rer at virke<span class=\"_ _8\"></span>lig verd<span class=\"_ _8\"></span>i er </span><span style=\"display:inherit;clear:left;\">tiln\u00e6rmet lik<span class=\"_ _1\"></span> amortisert kost p\u00e5 balansedage<span class=\"_ _1\"></span>n.</span><span style=\"display:inherit;clear:left;\">Utl\u00e5n til<span class=\"_ _1\"></span> kunder</span><span style=\"display:inherit;clear:left;\">Utl<span class=\"_ _8\"></span>\u00e5n til a<span class=\"_ _8\"></span>mor<span class=\"_ _8\"></span>ti<span class=\"_ _8\"></span>ser<span class=\"_ _8\"></span>t kos<span class=\"_ _8\"></span>t blir n<span class=\"_ _8\"></span>eds<span class=\"_ _8\"></span>krevet i tr\u00e5d m<span class=\"_ _8\"></span>ed reg<span class=\"_ _8\"></span>len<span class=\"_ _8\"></span>e i IFR<span class=\"_ _8\"></span>S 9 som v<span class=\"_ _8\"></span>ist i note 12 o<span class=\"_ _8\"></span>g 13. N<span class=\"_ _8\"></span>edsk<span class=\"_ _8\"></span>riv<span class=\"_ _8\"></span>ning i s<span class=\"_ _8\"></span>teg 1 e<span class=\"_ _8\"></span>r en </span><span style=\"display:inherit;clear:left;\">mo<span class=\"_ _8\"></span>dell<span class=\"_ _8\"></span>bere<span class=\"_ _8\"></span>gne<span class=\"_ _8\"></span>t ned<span class=\"_ _8\"></span>skri<span class=\"_ _8\"></span>vnin<span class=\"_ _8\"></span>g som s<span class=\"_ _8\"></span>ann<span class=\"_ _8\"></span>synli<span class=\"_ _8\"></span>gvis ik<span class=\"_ _8\"></span>ke vil p\u00e5vi<span class=\"_ _8\"></span>rke verdi<span class=\"_ _8\"></span>en av et utl\u00e5<span class=\"_ _8\"></span>n ved eventu<span class=\"_ _8\"></span>elt s<span class=\"_ _8\"></span>alg<span class=\"_ _8\"></span>. Vi<span class=\"_ _8\"></span>rkeli<span class=\"_ _8\"></span>g verdi p\u00e5 u<span class=\"_ _8\"></span>tl\u00e5n t<span class=\"_ _8\"></span>il </span><span style=\"display:inherit;clear:left;\">amo<span class=\"_ _8\"></span>rt<span class=\"_ _8\"></span>ise<span class=\"_ _8\"></span>rt ko<span class=\"_ _8\"></span>st er de<span class=\"_ _8\"></span>rfo<span class=\"_ _8\"></span>r vurd<span class=\"_ _8\"></span>er<span class=\"_ _8\"></span>t \u00e5 v\u00e6re bok<span class=\"_ _8\"></span>f\u00f8r<span class=\"_ _8\"></span>t verd<span class=\"_ _8\"></span>i eksk<span class=\"_ _8\"></span>lusi<span class=\"_ _8\"></span>v ned<span class=\"_ _8\"></span>skri<span class=\"_ _8\"></span>vni<span class=\"_ _8\"></span>nger i ste<span class=\"_ _8\"></span>g 1. </span><span style=\"display:inherit;clear:left;\">Inn<span class=\"_ _8\"></span>sku<span class=\"_ _8\"></span>dd <span class=\"_ _1d0\"></span>fra <span class=\"_ _1d0\"></span>kund<span class=\"_ _8\"></span>er <span class=\"_ _1d1\"> </span> <span class=\"_ _6\"></span>    </span><span style=\"display:inherit;clear:left;\">Kons<span class=\"_ _8\"></span>erne<span class=\"_ _8\"></span>t vurde<span class=\"_ _8\"></span>rer at amo<span class=\"_ _8\"></span>rt<span class=\"_ _8\"></span>ise<span class=\"_ _8\"></span>rt kos<span class=\"_ _8\"></span>t gi<span class=\"_ _8\"></span>r et godt b<span class=\"_ _8\"></span>ild<span class=\"_ _8\"></span>e p\u00e5 vi<span class=\"_ _8\"></span>rkeli<span class=\"_ _8\"></span>g verdi av inn<span class=\"_ _8\"></span>skud<span class=\"_ _8\"></span>d fra kun<span class=\"_ _8\"></span>der<span class=\"_ _1\"></span>.</span><span style=\"display:inherit;clear:left;\">Gjeld til kr<span class=\"_ _1\"></span>edittinsti<span class=\"_ _1\"></span>tusjoner<span class=\"_ _2\"></span>, gjel<span class=\"_ _8\"></span>d st<span class=\"_ _1\"></span>iftet<span class=\"_ _1\"></span> ved u<span class=\"_ _1\"></span>tstedelse a<span class=\"_ _1\"></span>v<span class=\"_ _1\"></span> ver<span class=\"_ _1\"></span>dipapirer og<span class=\"_ _1\"></span> ansv<span class=\"_ _1\"></span>arlig l\u00e5nekapital<span class=\"ff4 ls0 ws0\"> </span></span><span style=\"display:inherit;clear:left;\">Virkelig v<span class=\"_ _1\"></span>erdi<span class=\"_ _1\"></span> beregnes ut f<span class=\"_ _1\"></span>ra<span class=\"_ _1\"></span> en teor<span class=\"_ _1\"></span>etisk mark<span class=\"_ _1\"></span>edsv<span class=\"_ _1\"></span>erdivur<span class=\"_ _1\"></span>dering basert p\u00e5 r<span class=\"_ _1\"></span>ente<span class=\"_ _1\"></span>- og s<span class=\"_ _1\"></span>preadkurver<span class=\"_ _0\"></span>.</span><span style=\"display:inherit;clear:left;\">No<span class=\"_ _1\"></span>te 6 V<span class=\"_ _0\"></span>erdse<span class=\"_ _1\"></span>ttelseshie<span class=\"_ _1\"></span>rark<span class=\"_ _8\"></span>i f<span class=\"_ _c\"></span>or fi<span class=\"_ _8\"></span>nansi<span class=\"_ _1\"></span>elle instrumente<span class=\"_ _1\"></span>r til vi<span class=\"_ _8\"></span>rk<span class=\"_ _1\"></span>eli<span class=\"_ _1\"></span>g v<span class=\"_ _1\"></span>erdi</span><span style=\"display:inherit;clear:left;\">Virkelig v<span class=\"_ _1\"></span>erdi<span class=\"_ _1\"></span> p\u00e5 b\u00f8rsno<span class=\"_ _1\"></span>terte in<span class=\"_ _1\"></span>vestering<span class=\"_ _1\"></span>er er basert p\u00e5 </span><span style=\"display:inherit;clear:left;\">g<span class=\"_ _8\"></span>jeldende kurs p\u00e5 balan<span class=\"_ _1\"></span>setidspunktet. F<span class=\"_ _1\"></span>or<span class=\"_ _1\"></span> ver<span class=\"_ _1\"></span>dipapirer<span class=\"_ _1\"></span> som </span><span style=\"display:inherit;clear:left;\">ikke e<span class=\"_ _8\"></span>r b\u00f8rs<span class=\"_ _8\"></span>noter<span class=\"_ _8\"></span>t, o<span class=\"_ _8\"></span>g der d<span class=\"_ _8\"></span>et ikke e<span class=\"_ _8\"></span>r et ak<span class=\"_ _8\"></span>tiv<span class=\"_ _8\"></span>t ma<span class=\"_ _8\"></span>rked, b<span class=\"_ _8\"></span>eny<span class=\"_ _8\"></span>tte<span class=\"_ _8\"></span>r </span><span style=\"display:inherit;clear:left;\">kons<span class=\"_ _8\"></span>erne<span class=\"_ _8\"></span>t pris<span class=\"_ _8\"></span>er i hove<span class=\"_ _8\"></span>dsa<span class=\"_ _8\"></span>k fra Nord<span class=\"_ _8\"></span>ic Bo<span class=\"_ _8\"></span>nd Pr<span class=\"_ _8\"></span>icin<span class=\"_ _8\"></span>g for </span><span style=\"display:inherit;clear:left;\">obligasjoner og sertifikat<span class=\"_ _1\"></span>er<span class=\"_ _2\"></span>. F<span class=\"_ _1\"></span>or uno<span class=\"_ _1\"></span>terte egenka<span class=\"_ _1\"></span>pitalinstru-</span><span style=\"display:inherit;clear:left;\">ment<span class=\"_ _8\"></span>er be<span class=\"_ _8\"></span>nyt<span class=\"_ _8\"></span>tes ul<span class=\"_ _8\"></span>ike verds<span class=\"_ _8\"></span>ette<span class=\"_ _8\"></span>lse<span class=\"_ _8\"></span>stek<span class=\"_ _8\"></span>nikke<span class=\"_ _8\"></span>r for \u00e5 fast<span class=\"_ _8\"></span>set<span class=\"_ _8\"></span>te </span><span style=\"display:inherit;clear:left;\">vir<span class=\"_ _8\"></span>kelige ve<span class=\"_ _8\"></span>rdier i h<span class=\"_ _8\"></span>enh<span class=\"_ _8\"></span>old t<span class=\"_ _8\"></span>il IFR<span class=\"_ _8\"></span>S 13. D<span class=\"_ _8\"></span>ette k<span class=\"_ _8\"></span>an byg<span class=\"_ _8\"></span>ge p\u00e5 si<span class=\"_ _8\"></span>ste </span><span style=\"display:inherit;clear:left;\">emisjonskurs<span class=\"_ _1\"></span> eller omsetning<span class=\"_ _1\"></span>sver<span class=\"_ _1\"></span>dier k<span class=\"_ _1\"></span>onsernet har<span class=\"_ _1\"></span> kunnskap<span class=\"_ _1\"></span> </span><span style=\"display:inherit;clear:left;\">om. Dersom det<span class=\"_ _1\"></span> ikke<span class=\"_ _1\"></span> har v<span class=\"_ _1\"></span>\u00e6rt nylig<span class=\"_ _1\"></span>e tran<span class=\"_ _1\"></span>saksjoner<span class=\"_ _2\"></span>, er v<span class=\"_ _1\"></span>erdier<span class=\"_ _1\"></span> </span><span style=\"display:inherit;clear:left;\">fast<span class=\"_ _8\"></span>satt m<span class=\"_ _8\"></span>ed ut<span class=\"_ _8\"></span>gan<span class=\"_ _8\"></span>gspu<span class=\"_ _8\"></span>nk<span class=\"_ _8\"></span>t i en kons<span class=\"_ _8\"></span>iste<span class=\"_ _8\"></span>nt </span><span style=\"display:inherit;clear:left;\">ver<span class=\"_ _1\"></span>dsettelses me<span class=\"_ _1\"></span>tode. </span><span style=\"display:inherit;clear:left;\">Rentederiv<span class=\"_ _1\"></span>at<span class=\"_ _1\"></span>er prises v<span class=\"_ _1\"></span>ed \u00e5 disk<span class=\"_ _1\"></span>ont<span class=\"_ _1\"></span>ere f<span class=\"_ _1\"></span>remtidig<span class=\"_ _1\"></span>e k<span class=\"_ _1\"></span>ontant<span class=\"_ _2\"></span>-</span><span style=\"display:inherit;clear:left;\">str\u00f8mmer med<span class=\"_ _1\"></span> kurver fr<span class=\"_ _1\"></span>a Bloomberg. V<span class=\"_ _1\"></span>er<span class=\"_ _1\"></span>dien rimelighets<span class=\"_ _1\"></span>-</span><span style=\"display:inherit;clear:left;\">vurder<span class=\"_ _1\"></span>es ved<span class=\"_ _1\"></span> sammenligning mot mo<span class=\"_ _1\"></span>tparten eller clearing<span class=\"_ _1\"></span>-</span><span style=\"display:inherit;clear:left;\">hus<span class=\"_ _8\"></span>ets verd<span class=\"_ _8\"></span>sett<span class=\"_ _8\"></span>else d<span class=\"_ _8\"></span>er de<span class=\"_ _8\"></span>t er mul<span class=\"_ _8\"></span>ig. </span><span style=\"display:inherit;clear:left;\">V<span class=\"_ _1\"></span>erdien<span class=\"_ _1\"></span> a<span class=\"_ _1\"></span>v f<span class=\"_ _1\"></span>astrent<span class=\"_ _1\"></span>eutl\u00e5nene estimer<span class=\"_ _1\"></span>es ved<span class=\"_ _1\"></span> \u00e5 disk<span class=\"_ _1\"></span>onter<span class=\"_ _1\"></span>e </span><span style=\"display:inherit;clear:left;\">kontan<span class=\"_ _1\"></span>tstr\u00f8mmene med<span class=\"_ _1\"></span> en risik<span class=\"_ _1\"></span>ojustert disk<span class=\"_ _1\"></span>onteri<span class=\"_ _1\"></span>ngsfaktor </span><span style=\"display:inherit;clear:left;\">som skal hen<span class=\"_ _1\"></span>synta mark<span class=\"_ _1\"></span>edsakt\u00f8renes pr<span class=\"_ _1\"></span>efer<span class=\"_ _1\"></span>anser<span class=\"_ _0\"></span>. Diskont<span class=\"_ _2\"></span>-</span><span style=\"display:inherit;clear:left;\">erings <span class=\"_ _4\"></span>faktoren ber<span class=\"_ _1\"></span>egnes basert p\u00e5 en observerbar sw<span class=\"_ _1\"></span>apren<span class=\"_ _1\"></span>te </span><span style=\"display:inherit;clear:left;\">tillag<span class=\"_ _8\"></span>t et<span class=\"_ _1\"></span> marginkrav<span class=\"_ _2\"></span>. V<span class=\"_ _1\"></span>ed estimering av<span class=\"_ _1\"></span> marginkrav<span class=\"_ _1\"></span>et ser </span><span style=\"display:inherit;clear:left;\">banken<span class=\"_ _1\"></span> hen til de<span class=\"_ _1\"></span> observerbare mark<span class=\"_ _1\"></span>edsr<span class=\"_ _1\"></span>entene<span class=\"_ _1\"></span> p\u00e5 tilsv<span class=\"_ _1\"></span>arende<span class=\"_ _1\"></span> </span><span style=\"display:inherit;clear:left;\">utl\u00e5n. Sw<span class=\"_ _1\"></span>apren<span class=\"_ _1\"></span>te-<span class=\"_ _1\"></span>elementet<span class=\"_ _1\"></span> i disk<span class=\"_ _1\"></span>onteri<span class=\"_ _1\"></span>ngsfaktor<span class=\"_ _1\"></span>en sving<span class=\"_ _1\"></span>er </span><span style=\"display:inherit;clear:left;\">kontin<span class=\"_ _1\"></span>uerlig, mens de observerbar<span class=\"_ _1\"></span>e mark<span class=\"_ _1\"></span>edsren<span class=\"_ _1\"></span>tene f<span class=\"_ _1\"></span>or </span><span style=\"display:inherit;clear:left;\">tilsvar<span class=\"_ _1\"></span>ende utl\u00e5n<span class=\"_ _1\"></span> ikke<span class=\"_ _1\"></span> endres li<span class=\"_ _1\"></span>ke h<span class=\"_ _1\"></span>yppig. Marginkra<span class=\"_ _1\"></span>v<span class=\"_ _1\"></span>et esti<span class=\"_ _1\"></span>-</span><span style=\"display:inherit;clear:left;\">meres derfor basert p\u00e5<span class=\"_ _1\"></span> differ<span class=\"_ _1\"></span>ansen mellom mark<span class=\"_ _1\"></span>edsren<span class=\"_ _1\"></span>tene og<span class=\"_ _1\"></span> </span><span style=\"display:inherit;clear:left;\">swapr<span class=\"_ _1\"></span>enten<span class=\"_ _1\"></span> over<span class=\"_ _1\"></span> en tidsperiode.</span><span style=\"display:inherit;clear:left;\">Tilbakekj\u00f8p<span class=\"_ _1\"></span> av<span class=\"_ _1\"></span> egne utstedt<span class=\"_ _1\"></span>e ver<span class=\"_ _1\"></span>dipapir<span class=\"_ _1\"></span>er netto<span class=\"_ _1\"></span>f\u00f8r<span class=\"_ _1\"></span>es mot<span class=\"_ _1\"></span> </span><span style=\"display:inherit;clear:left;\">ver<span class=\"_ _1\"></span>dipapirg<span class=\"_ _8\"></span>jeld i balansen<span class=\"_ _1\"></span> (<span class=\"_ _1\"></span>frar<span class=\"_ _1\"></span>egnes)<span class=\"_ _1\"></span>.</span><span style=\"display:inherit;clear:left;\">Realiserte gevin<span class=\"_ _1\"></span>ster<span class=\"_ _1\"></span>/<span class=\"_ _1\"></span>tap samt endring<span class=\"_ _1\"></span>er i<span class=\"_ _1\"></span> verd<span class=\"_ _1\"></span>ier p\u00e5 finansiel<span class=\"_ _1\"></span>le </span><span style=\"display:inherit;clear:left;\">instrumenter til virk<span class=\"_ _1\"></span>elig ver<span class=\"_ _1\"></span>di ov<span class=\"_ _1\"></span>er resulta<span class=\"_ _1\"></span>tet, inkludert utbytte, </span><span style=\"display:inherit;clear:left;\">vises i regnskapet under \u00abNetto g<span class=\"_ _1\"></span>evinst/(<span class=\"_ _1\"></span>tap<span class=\"_ _1\"></span>) p\u00e5 finansielle </span><span style=\"display:inherit;clear:left;\">instrumenter\u00bb i<span class=\"_ _1\"></span> den perioden de oppst\u00e5r<span class=\"_ _0\"></span>.</span><span style=\"display:inherit;clear:left;\">Finansielle instrumenter til virk<span class=\"_ _1\"></span>elig ver<span class=\"_ _1\"></span>di klassifiseres i ulik<span class=\"_ _1\"></span>e </span><span style=\"display:inherit;clear:left;\">niv\u00e5<span class=\"_ _8\"></span>er:</span><span style=\"display:inherit;clear:left;\">Niv\u00e5 1 </span><span style=\"display:inherit;clear:left;\">Finansielle ins<span class=\"_ _1\"></span>trumenter<span class=\"_ _1\"></span> som handles i aktive<span class=\"_ _1\"></span> markeder<span class=\"_ _1\"></span> </span><span style=\"display:inherit;clear:left;\">kla<span class=\"_ _8\"></span>ssi<span class=\"_ _8\"></span>fis<span class=\"_ _8\"></span>eres i n<span class=\"_ _8\"></span>iv\u00e5 1. Et marke<span class=\"_ _8\"></span>d er bet<span class=\"_ _8\"></span>rak<span class=\"_ _8\"></span>tet so<span class=\"_ _8\"></span>m ak<span class=\"_ _8\"></span>tiv<span class=\"_ _8\"></span>t der<span class=\"_ _8\"></span>som </span><span style=\"display:inherit;clear:left;\">markedskursene<span class=\"_ _1\"></span> er enk<span class=\"_ _1\"></span>elt og<span class=\"_ _1\"></span> regel<span class=\"_ _1\"></span>messig tilg<span class=\"_ _8\"></span>jengelige fr<span class=\"_ _1\"></span>a en<span class=\"_ _1\"></span> </span><span style=\"display:inherit;clear:left;\">b\u00f8rs, megler<span class=\"_ _2\"></span>, n\u00e6ringsgruppering, prissettingstjeneste eller </span><span style=\"display:inherit;clear:left;\">regulering<span class=\"_ _1\"></span>smyndighet, og<span class=\"_ _1\"></span> disse prisene r<span class=\"_ _1\"></span>epresent<span class=\"_ _1\"></span>erer<span class=\"_ _1\"></span> faktiske<span class=\"_ _1\"></span> </span><span style=\"display:inherit;clear:left;\">og reg<span class=\"_ _1\"></span>elmessige for<span class=\"_ _1\"></span>ekommende<span class=\"_ _1\"></span> markedstr<span class=\"_ _1\"></span>ansaksjoner<span class=\"_ _1\"></span> p\u00e5 </span><span style=\"display:inherit;clear:left;\">armlengdes a<span class=\"_ _1\"></span>vstand. Mark<span class=\"_ _1\"></span>edsprisen som<span class=\"_ _1\"></span> benyttes for<span class=\"_ _1\"></span> </span><span style=\"display:inherit;clear:left;\">finansielle eiendeler er<span class=\"_ _1\"></span> g<span class=\"_ _8\"></span>jeldende kj\u00f8pskurs. F<span class=\"_ _1\"></span>or<span class=\"_ _1\"></span> finansielle </span><span style=\"display:inherit;clear:left;\">forpliktelser ben<span class=\"_ _1\"></span>yttes g<span class=\"_ _8\"></span>jeldende salgskurs. Instrument<span class=\"_ _1\"></span>er </span><span style=\"display:inherit;clear:left;\">ink<span class=\"_ _8\"></span>lud<span class=\"_ _8\"></span>er<span class=\"_ _8\"></span>t i niv\u00e5 1 omfat<span class=\"_ _8\"></span>ter en<span class=\"_ _8\"></span>kelte ob<span class=\"_ _8\"></span>lig<span class=\"_ _8\"></span>asjo<span class=\"_ _8\"></span>ner s<span class=\"_ _8\"></span>amt </span><span style=\"display:inherit;clear:left;\">statssert<span class=\"_ _8\"></span>ifikat<span class=\"_ _1\"></span>er<span class=\"_ _2\"></span>.</span><span style=\"display:inherit;clear:left;\">Ni<span class=\"_ _8\"></span>v\u00e5 2</span><span style=\"display:inherit;clear:left;\">Virkelig ver<span class=\"_ _1\"></span>di a<span class=\"_ _1\"></span>v finansielle instrumenter som<span class=\"_ _1\"></span> ikke handles i e<span class=\"_ _1\"></span>t </span><span style=\"display:inherit;clear:left;\">ak<span class=\"_ _8\"></span>tiv<span class=\"_ _8\"></span>t ma<span class=\"_ _8\"></span>rked b<span class=\"_ _8\"></span>este<span class=\"_ _8\"></span>mme<span class=\"_ _8\"></span>s ved \u00e5 b<span class=\"_ _8\"></span>ruke verds<span class=\"_ _8\"></span>ette<span class=\"_ _8\"></span>lse<span class=\"_ _8\"></span>sme<span class=\"_ _8\"></span>tode<span class=\"_ _8\"></span>r<span class=\"_ _2\"></span>. </span><span style=\"display:inherit;clear:left;\">Disse ver<span class=\"_ _1\"></span>dsettelsesmetodene mak<span class=\"_ _1\"></span>simerer<span class=\"_ _1\"></span> bruken<span class=\"_ _1\"></span> av<span class=\"_ _1\"></span> </span><span style=\"display:inherit;clear:left;\">observerbare da<span class=\"_ _1\"></span>ta der de<span class=\"_ _1\"></span>t er tilgjengelig, og belager seg minst<span class=\"_ _1\"></span> </span><span style=\"display:inherit;clear:left;\">mul<span class=\"_ _8\"></span>ig p\u00e5 kon<span class=\"_ _8\"></span>ser<span class=\"_ _8\"></span>nets e<span class=\"_ _8\"></span>gn<span class=\"_ _8\"></span>e est<span class=\"_ _8\"></span>imater<span class=\"_ _1\"></span>. Ders<span class=\"_ _8\"></span>om al<span class=\"_ _8\"></span>le ves<span class=\"_ _8\"></span>entl<span class=\"_ _8\"></span>ige </span><span style=\"display:inherit;clear:left;\">data s<span class=\"_ _8\"></span>om kreve<span class=\"_ _8\"></span>s for \u00e5 fast<span class=\"_ _8\"></span>set<span class=\"_ _8\"></span>te vir<span class=\"_ _8\"></span>kelig ve<span class=\"_ _8\"></span>rdi av et inst<span class=\"_ _8\"></span>rum<span class=\"_ _8\"></span>ent </span><span style=\"display:inherit;clear:left;\">er ob<span class=\"_ _8\"></span>ser<span class=\"_ _8\"></span>ver<span class=\"_ _8\"></span>bare dat<span class=\"_ _8\"></span>a, er i<span class=\"_ _8\"></span>nst<span class=\"_ _8\"></span>rume<span class=\"_ _8\"></span>ntet in<span class=\"_ _8\"></span>klud<span class=\"_ _8\"></span>er<span class=\"_ _8\"></span>t i niv\u00e5 2<span class=\"_ _8\"></span>. </span><span style=\"display:inherit;clear:left;\">Ins<span class=\"_ _8\"></span>trum<span class=\"_ _8\"></span>enter i<span class=\"_ _8\"></span>nkl<span class=\"_ _8\"></span>ude<span class=\"_ _8\"></span>rt i n<span class=\"_ _8\"></span>iv\u00e5 2 omfatte<span class=\"_ _8\"></span>r \u00f8vri<span class=\"_ _8\"></span>ge ser<span class=\"_ _8\"></span>tif<span class=\"_ _8\"></span>ikate<span class=\"_ _8\"></span>r og </span><span style=\"display:inherit;clear:left;\">obligasjoner<span class=\"_ _1\"></span>,<span class=\"_ _1\"></span> finansielle derivat<span class=\"_ _1\"></span>er og samtlige finansielle </span><span style=\"display:inherit;clear:left;\">forpliktelser verdsa<span class=\"_ _1\"></span>tt til virkelig v<span class=\"_ _1\"></span>erdi. </span><span style=\"display:inherit;clear:left;\">Ni<span class=\"_ _8\"></span>v\u00e5 3</span><span style=\"display:inherit;clear:left;\">De<span class=\"_ _8\"></span>rsom e<span class=\"_ _8\"></span>n ell<span class=\"_ _8\"></span>er fl<span class=\"_ _8\"></span>ere vese<span class=\"_ _8\"></span>ntli<span class=\"_ _8\"></span>ge data i<span class=\"_ _8\"></span>kke er ba<span class=\"_ _8\"></span>ser<span class=\"_ _8\"></span>t p\u00e5 </span><span style=\"display:inherit;clear:left;\">observerbar markedsin<span class=\"_ _1\"></span>formasjon,<span class=\"_ _1\"></span> er instrumen<span class=\"_ _1\"></span>tet<span class=\"_ _1\"></span> inkludert i </span><span style=\"display:inherit;clear:left;\">niv\u00e5<span class=\"_ _1\"></span> 3. Ikk<span class=\"_ _1\"></span>e b\u00f8rsnot<span class=\"_ _1\"></span>erte egenkapitalinstrumen<span class=\"_ _1\"></span>ter er<span class=\"_ _1\"></span> </span><span style=\"display:inherit;clear:left;\">kla<span class=\"_ _8\"></span>ssi<span class=\"_ _8\"></span>fis<span class=\"_ _8\"></span>er<span class=\"_ _8\"></span>t und<span class=\"_ _8\"></span>er niv\u00e5 3 (se n<span class=\"_ _8\"></span>ote 26). Tilsvare<span class=\"_ _8\"></span>nde g<span class=\"_ _a\"></span>je<span class=\"_ _8\"></span>lde<span class=\"_ _8\"></span>r for </span><span style=\"display:inherit;clear:left;\">fast<span class=\"_ _8\"></span>renteut<span class=\"_ _8\"></span>l\u00e5n v<span class=\"_ _8\"></span>urder<span class=\"_ _8\"></span>t ti<span class=\"_ _8\"></span>l vir<span class=\"_ _8\"></span>kelig ve<span class=\"_ _8\"></span>rdi som f\u00f8<span class=\"_ _8\"></span>lge av at </span><span style=\"display:inherit;clear:left;\">marginkra<span class=\"_ _1\"></span>ve<span class=\"_ _1\"></span>t ikk<span class=\"_ _1\"></span>e er dir<span class=\"_ _1\"></span>ekte observerbart.</span><span style=\"display:inherit;clear:left;\">K<span class=\"_ _1\"></span>ONSERN</span><span style=\"display:inherit;clear:left;\">31/12<span class=\"_ _1\"></span>-2<span class=\"_ _1\"></span>0<span class=\"_ _1\"></span>23<span class=\"_ _1e3\"> </span><span class=\"ls138 ws1e5\">Note<span class=\"_ _94\"> </span></span>Niv<span class=\"_ _1\"></span>\u00e5 1<span class=\"_ _8e\"> </span>Niv\u00e5 2<span class=\"_ _189\"> </span>Niv\u00e5 3<span class=\"_ _108\"> </span>T<span class=\"_ _2\"></span>otalt</span><span style=\"display:inherit;clear:left;\">Eiendeler</span><span style=\"display:inherit;clear:left;\">Utl\u00e5n til kunder<span class=\"_ _1d2\"> </span>4<span class=\"_ _1e4\"> </span><span class=\"ls6 ws6\">2<span class=\"_ _8\"></span>0<span class=\"_ _8\"></span> 072<span class=\"_ _85\"> </span>2<span class=\"_ _8\"></span>0<span class=\"_ _8\"></span> 072</span></span><span style=\"display:inherit;clear:left;\">Aksjer <span class=\"_ _166\"> </span></span><span style=\"display:inherit;clear:left;\">4,26<span class=\"_ _e9\"> </span></span><span style=\"display:inherit;clear:left;\">386<span class=\"_ _1e5\"> </span><span class=\"ls140 ws1ee\">1<span class=\"_ _a\"></span>74<span class=\"_ _e9\"> </span><span class=\"ls82 ws14b\">560</span></span></span><span style=\"display:inherit;clear:left;\">Sertifika<span class=\"_ _1\"></span>ter og obligasjoner<span class=\"_ _1e6\"> </span><span class=\"ls146 ws1f6\">4<span class=\"_ _8\"></span>,1<span class=\"_ _38\"></span>9<span class=\"_ _6b\"> </span></span>10 8<span class=\"_ _1\"></span>94<span class=\"_ _cd\"> </span><span class=\"ls120 ws1cb\">25 666<span class=\"_ _2b\"> </span><span class=\"ls12c ws1d6\">36 5<span class=\"_ _8\"></span>60</span></span></span><span style=\"display:inherit;clear:left;\">Finansielle deriv<span class=\"_ _1\"></span>a<span class=\"_ _1\"></span>ter<span class=\"_ _1e7\"> </span></span><span style=\"display:inherit;clear:left;\">4<span class=\"_ _8\"></span>,<span class=\"_ _8\"></span>24<span class=\"_ _16b\"> </span><span class=\"ls31 ws81\">3<span class=\"_ _8\"></span> 457<span class=\"_ _16b\"> </span>3<span class=\"_ _8\"></span> 4<span class=\"_ _8\"></span>57</span></span><span style=\"display:inherit;clear:left;\">Finansielle deriv<span class=\"_ _1\"></span>a<span class=\"_ _1\"></span>ter \u00f8r<span class=\"_ _1\"></span>emerk<span class=\"_ _1\"></span>et f<span class=\"_ _1\"></span>or sikringsbokf<span class=\"_ _1\"></span>\u00f8ring<span class=\"_ _50\"> </span><span class=\"ls83 wsdd\">4,<span class=\"_ _8\"></span>25<span class=\"_ _1e8\"> </span></span>1 944<span class=\"_ _16b\"> </span>1 944</span><span style=\"display:inherit;clear:left;\">T<span class=\"_ _0\"></span>otalt<span class=\"_ _1e9\"> </span>11 28<span class=\"_ _1\"></span>1<span class=\"_ _85\"> </span>31 06<span class=\"_ _1\"></span>7<span class=\"_ _90\"> </span><span class=\"ls6b wsc3\">20<span class=\"_ _8\"></span> 246<span class=\"_ _8a\"> </span><span class=\"ls8 ws8\">62<span class=\"_ _8\"></span> 593</span></span></span><span style=\"display:inherit;clear:left;\">Gjeld</span><span style=\"display:inherit;clear:left;\">Innskudd fr<span class=\"_ _1\"></span>a og gjeld til kunder<span class=\"_ _15b\"> </span></span><span style=\"display:inherit;clear:left;\">4,38<span class=\"_ _1d5\"> </span><span class=\"ls4a ws9d\">1<span class=\"_ _8\"></span> 8<span class=\"_ _8\"></span>24<span class=\"_ _1d5\"> </span>1<span class=\"_ _8\"></span> 8<span class=\"_ _8\"></span>24</span></span><span style=\"display:inherit;clear:left;\">Gjeld stift<span class=\"_ _1\"></span>et v<span class=\"_ _1\"></span>ed uts<span class=\"_ _1\"></span>tedelse a<span class=\"_ _2\"></span>v verdipapir<span class=\"_ _1\"></span>er<span class=\"_ _1ea\"> </span>4<span class=\"_ _2b\"> </span>58 22<span class=\"_ _2\"></span>4<span class=\"_ _2b\"> </span>58 22<span class=\"_ _1\"></span>4</span><span style=\"display:inherit;clear:left;\">Finansielle deriv<span class=\"_ _1\"></span>a<span class=\"_ _1\"></span>ter <span class=\"_ _179\"> </span></span><span style=\"display:inherit;clear:left;\">4<span class=\"_ _8\"></span>,<span class=\"_ _8\"></span>24<span class=\"_ _1ab\"> </span><span class=\"ls125 ws1cf\">1<span class=\"_ _8\"></span> 298<span class=\"_ _1ab\"> </span>1<span class=\"_ _8\"></span> 298</span></span><span style=\"display:inherit;clear:left;\">Finansielle deriv<span class=\"_ _1\"></span>a<span class=\"_ _1\"></span>ter \u00f8r<span class=\"_ _1\"></span>emerk<span class=\"_ _1\"></span>et f<span class=\"_ _1\"></span>or sikringsbokf<span class=\"_ _1\"></span>\u00f8ring<span class=\"_ _50\"> </span></span><span style=\"display:inherit;clear:left;\">4,<span class=\"_ _8\"></span>25<span class=\"_ _21\"> </span><span class=\"ls61 wsb5\">372<span class=\"_ _a9\"> </span>372</span></span><span style=\"display:inherit;clear:left;\">T<span class=\"_ _0\"></span>otalt<span class=\"_ _16e\"> </span>61 718<span class=\"_ _e8\"> </span>61 718</span><span style=\"display:inherit;clear:left;\">Utl\u00e5n til kunder<span class=\"_ _8e\"> </span>Aksjer</span><span style=\"display:inherit;clear:left;\">Finansielle instrumen<span class=\"_ _1\"></span>t<span class=\"_ _1\"></span>er ver<span class=\"_ _2\"></span>dsatt e<span class=\"_ _1\"></span>tt<span class=\"_ _1\"></span>er niv<span class=\"_ _1\"></span>\u00e5 3 pr<span class=\"_ _0\"></span>. 1/1-20<span class=\"_ _1\"></span>23<span class=\"_ _1c2\"> </span>22 840<span class=\"_ _9a\"> </span><span class=\"ls13f ws1ed\">183</span></span><span style=\"display:inherit;clear:left;\">Tilgang/kj\u00f8p<span class=\"_ _1eb\"> </span><span class=\"ls132 ws1de\">1<span class=\"_ _8\"></span> 873<span class=\"_ _48\"> </span></span>8</span><span style=\"display:inherit;clear:left;\">Salg/innfrielse/nedbe<span class=\"_ _1\"></span>taling<span class=\"_ _1ec\"> </span>-4 913<span class=\"_ _a1\"> </span><span class=\"ls6 ws6\">-1<span class=\"_ _8\"></span>3</span></span><span style=\"display:inherit;clear:left;\">\u00c5re<span class=\"_ _1\"></span>ts v<span class=\"_ _1\"></span>er<span class=\"_ _1\"></span>dir<span class=\"_ _1\"></span>egulering o<span class=\"_ _1\"></span>ver r<span class=\"_ _1\"></span>esulta<span class=\"_ _2\"></span>t<span class=\"_ _163\"> </span><span class=\"ls137 ws1e4\">272<span class=\"_ _118\"> </span><span class=\"ls120 ws1cb\">-4</span></span></span><span style=\"display:inherit;clear:left;\">Reklassifikasjon mellom niv<span class=\"_ _1\"></span>\u00e5 2 og 3<span class=\"_ _1ed\"> </span>0<span class=\"_ _13\"> </span>0</span><span style=\"display:inherit;clear:left;\">Finansielle instrumen<span class=\"_ _1\"></span>t<span class=\"_ _1\"></span>er ver<span class=\"_ _2\"></span>dsatt e<span class=\"_ _1\"></span>tt<span class=\"_ _1\"></span>er niv<span class=\"_ _1\"></span>\u00e5 3 pr<span class=\"_ _0\"></span>. 31/12-<span class=\"_ _1\"></span>20<span class=\"_ _1\"></span>23<span class=\"_ _1e4\"> </span><span class=\"ls61 wsb5\">20<span class=\"_ _8\"></span> 072<span class=\"_ _66\"> </span><span class=\"ls147 ws1f7\">1<span class=\"_ _a\"></span>74</span></span></span><span style=\"display:inherit;clear:left;\">En \u00f8kning i diskon<span class=\"_ _1\"></span>teringsr<span class=\"_ _1\"></span>en<span class=\"_ _1\"></span>t<span class=\"_ _1\"></span>en med 10 basispunkter f<span class=\"_ _1\"></span>or utl\u00e5n vur<span class=\"_ _1\"></span>dert til virkelig v<span class=\"_ _1\"></span>er<span class=\"_ _1\"></span>di, vil medf<span class=\"_ _1\"></span>\u00f8r<span class=\"_ _1\"></span>e en r<span class=\"_ _1\"></span>eduksjon i v<span class=\"_ _1\"></span>er<span class=\"_ _1\"></span>dien  </span><span style=\"display:inherit;clear:left;\">p\u00e5 42 millioner kr<span class=\"_ _1\"></span>oner<span class=\"_ _0\"></span>.</span><span style=\"display:inherit;clear:left;\">K<span class=\"_ _1\"></span>ONSERN</span><span style=\"display:inherit;clear:left;\">31/12-<span class=\"_ _1\"></span>2022<span class=\"_ _1d2\"> </span></span><span style=\"display:inherit;clear:left;\">Note<span class=\"_ _94\"> </span><span class=\"ls0 ws0\">Niv<span class=\"_ _1\"></span>\u00e5 1<span class=\"_ _8e\"> </span>Niv\u00e5 2<span class=\"_ _189\"> </span>Niv\u00e5 3<span class=\"_ _108\"> </span>T<span class=\"_ _2\"></span>otalt</span></span><span style=\"display:inherit;clear:left;\">Eiendeler</span><span style=\"display:inherit;clear:left;\">Utl\u00e5n til<span class=\"_ _1\"></span> kunder<span class=\"_ _1d3\"> </span><span class=\"ls0 ws0\">4<span class=\"_ _1cb\"> </span>22 840<span class=\"_ _89\"> </span>22 84<span class=\"_ _1\"></span>0</span></span><span style=\"display:inherit;clear:left;\">Aksjer <span class=\"_ _1d4\"> </span><span class=\"ls125 ws1cf\">4,<span class=\"_ _8\"></span>26<span class=\"_ _4a\"> </span><span class=\"ls0 ws0\">44<span class=\"_ _a9\"> </span><span class=\"ls13f ws1ed\">183<span class=\"_ _e9\"> </span></span></span>226</span></span><span style=\"display:inherit;clear:left;\">Sertifikater og<span class=\"_ _1\"></span> obligasjoner<span class=\"_ _34\"> </span></span><span style=\"display:inherit;clear:left;\">4<span class=\"_ _8\"></span>,1<span class=\"_ _a\"></span>9<span class=\"_ _94\"> </span><span class=\"ls0 ws0\">11 77<span class=\"_ _1\"></span>5<span class=\"_ _83\"> </span>19 04<span class=\"_ _1\"></span>9<span class=\"_ _2b\"> </span><span class=\"ls138 ws1e5\">30<span class=\"_ _8\"></span> 825</span></span></span><span style=\"display:inherit;clear:left;\">Finansielle deriv<span class=\"_ _1\"></span>at<span class=\"_ _1\"></span>er<span class=\"_ _179\"> </span></span><span style=\"display:inherit;clear:left;\">4,<span class=\"_ _8\"></span>24<span class=\"_ _1ab\"> </span><span class=\"ls109 ws16b\">1 28<span class=\"_ _8\"></span>0<span class=\"_ _1d5\"> </span>1 28<span class=\"_ _8\"></span>0</span></span><span style=\"display:inherit;clear:left;\">Finansielle deriv<span class=\"_ _1\"></span>at<span class=\"_ _1\"></span>er \u00f8r<span class=\"_ _1\"></span>emerket<span class=\"_ _1\"></span> for<span class=\"_ _1\"></span> sikringsbokf\u00f8ring<span class=\"_ _62\"> </span></span><span style=\"display:inherit;clear:left;\">4,25<span class=\"_ _1d5\"> </span><span class=\"ls0 ws0\">1 296<span class=\"_ _1d5\"> </span>1 296</span></span><span style=\"display:inherit;clear:left;\">To<span class=\"_ _8\"></span>t<span class=\"_ _a\"></span>a<span class=\"_ _8\"></span>l<span class=\"_ _a\"></span>t<span class=\"_ _1d6\"> </span></span><span style=\"display:inherit;clear:left;\">11 819<span class=\"_ _87\"> </span>21 624<span class=\"_ _89\"> </span><span class=\"ls133 ws1e0\">23 023<span class=\"_ _90\"> </span><span class=\"ls108 ws16a\">56 466</span></span></span><span style=\"display:inherit;clear:left;\">Gjeld</span><span style=\"display:inherit;clear:left;\">Inn<span class=\"_ _8\"></span>skud<span class=\"_ _8\"></span>d fra og g<span class=\"_ _a\"></span>jel<span class=\"_ _8\"></span>d til k<span class=\"_ _8\"></span>und<span class=\"_ _8\"></span>er<span class=\"_ _1d7\"> </span></span><span style=\"display:inherit;clear:left;\">4,38<span class=\"_ _21\"> </span><span class=\"ls4a ws9d\">576<span class=\"_ _21\"> </span>576</span></span><span style=\"display:inherit;clear:left;\">Gjeld stiftet<span class=\"_ _1\"></span> ved u<span class=\"_ _1\"></span>tstedelse a<span class=\"_ _1\"></span>v v<span class=\"_ _1\"></span>erdipapir<span class=\"_ _1\"></span>er<span class=\"_ _1d8\"> </span></span><span style=\"display:inherit;clear:left;\">4<span class=\"_ _1d9\"> </span><span class=\"ls8 ws8\">46<span class=\"_ _8\"></span> 042<span class=\"_ _cf\"> </span>46<span class=\"_ _8\"></span> 042</span></span><span style=\"display:inherit;clear:left;\">Finansielle deriv<span class=\"_ _1\"></span>at<span class=\"_ _1\"></span>er <span class=\"_ _1da\"> </span></span><span style=\"display:inherit;clear:left;\">4<span class=\"_ _8\"></span>,<span class=\"_ _8\"></span>24<span class=\"_ _1db\"> </span><span class=\"lsfc ws15e\">1<span class=\"_ _8\"></span> 792<span class=\"_ _1db\"> </span>1<span class=\"_ _8\"></span> 792</span></span><span style=\"display:inherit;clear:left;\">Finansielle deriv<span class=\"_ _1\"></span>at<span class=\"_ _1\"></span>er \u00f8r<span class=\"_ _1\"></span>emerket<span class=\"_ _1\"></span> for<span class=\"_ _1\"></span> sikringsbokf\u00f8ring<span class=\"_ _62\"> </span></span><span style=\"display:inherit;clear:left;\">4,25<span class=\"_ _a9\"> </span><span class=\"ls12c ws1d6\">130<span class=\"_ _a9\"> </span>130</span></span><span style=\"display:inherit;clear:left;\">To<span class=\"_ _8\"></span>t<span class=\"_ _a\"></span>a<span class=\"_ _8\"></span>l<span class=\"_ _a\"></span>t<span class=\"_ _1dc\"> </span><span class=\"ls0 ws0\">48 540<span class=\"_ _4e\"> </span>48 540</span></span><span style=\"display:inherit;clear:left;\">Utl\u00e5n til kunder<span class=\"_ _8e\"> </span>Aksjer</span><span style=\"display:inherit;clear:left;\">Finansielle inst<span class=\"_ _1\"></span>rumenter v<span class=\"_ _1\"></span>erdsa<span class=\"_ _1\"></span>tt ett<span class=\"_ _1\"></span>er niv<span class=\"_ _1\"></span>\u00e5 3<span class=\"_ _1\"></span> pr<span class=\"_ _2\"></span>. 1/1-<span class=\"_ _2\"></span>2022<span class=\"_ _1dd\"> </span><span class=\"ls8 ws8\">27 6<span class=\"_ _8\"></span>67<span class=\"_ _10\"> </span><span class=\"ls0 ws0\">217</span></span></span><span style=\"display:inherit;clear:left;\">Tilgang/<span class=\"_ _8\"></span>kj\u00f8p<span class=\"_ _1de\"> </span><span class=\"ls0 ws0\">2 063<span class=\"_ _9d\"> </span><span class=\"ls109 ws16b\">28</span></span></span><span style=\"display:inherit;clear:left;\">Salg<span class=\"_ _8\"></span>/innfrielse/nedbetaling<span class=\"_ _1df\"> </span><span class=\"ls0 ws0\">-6 312<span class=\"_ _66\"> </span><span class=\"ls125 ws1cf\">-29</span></span></span><span style=\"display:inherit;clear:left;\">\u00c5rets v<span class=\"_ _1\"></span>erdi<span class=\"_ _1\"></span>regulering<span class=\"_ _1\"></span> ov<span class=\"_ _1\"></span>er r<span class=\"_ _1\"></span>esultat<span class=\"_ _1e0\"> </span><span class=\"lsfc ws15e\">-5<span class=\"_ _8\"></span>79<span class=\"_ _66\"> </span><span class=\"ls84 wsdf\">-3<span class=\"_ _8\"></span>3</span></span></span><span style=\"display:inherit;clear:left;\">Reklassifikasjon mellom<span class=\"_ _1\"></span> niv\u00e5<span class=\"_ _1\"></span> 2 og<span class=\"_ _1\"></span> 3<span class=\"_ _1e1\"> </span><span class=\"ls0 ws0\">0<span class=\"_ _13\"> </span>0</span></span><span style=\"display:inherit;clear:left;\">Finansielle inst<span class=\"_ _1\"></span>rumenter v<span class=\"_ _1\"></span>erdsa<span class=\"_ _1\"></span>tt ett<span class=\"_ _1\"></span>er niv<span class=\"_ _1\"></span>\u00e5 3<span class=\"_ _1\"></span> pr<span class=\"_ _2\"></span>. 31/12<span class=\"_ _2\"></span>-2<span class=\"_ _1\"></span>022<span class=\"_ _1e2\"> </span><span class=\"ls0 ws0\">22 840<span class=\"_ _9a\"> </span><span class=\"ls13f ws1ed\">183</span></span></span><span style=\"display:inherit;clear:left;\">En \u00f8k<span class=\"_ _8\"></span>ning i d<span class=\"_ _8\"></span>iskont<span class=\"_ _8\"></span>erin<span class=\"_ _8\"></span>gsrente<span class=\"_ _8\"></span>n med 1<span class=\"_ _8\"></span>0 bas<span class=\"_ _8\"></span>ispu<span class=\"_ _8\"></span>nk<span class=\"_ _8\"></span>ter for ut<span class=\"_ _8\"></span>l\u00e5n v<span class=\"_ _8\"></span>urder<span class=\"_ _8\"></span>t ti<span class=\"_ _8\"></span>l vir<span class=\"_ _8\"></span>kelig ve<span class=\"_ _8\"></span>rdi, vi<span class=\"_ _8\"></span>l med<span class=\"_ _8\"></span>f\u00f8re en red<span class=\"_ _8\"></span>uksjo<span class=\"_ _8\"></span>n  </span><span style=\"display:inherit;clear:left;\">i ver<span class=\"_ _1\"></span>dien p\u00e5<span class=\"_ _1\"></span> 66 millioner<span class=\"_ _1\"></span> kroner<span class=\"_ _0\"></span>.</span><span style=\"display:inherit;clear:left;\">MORBANK</span><span style=\"display:inherit;clear:left;\">31/12<span class=\"_ _1\"></span>-2<span class=\"_ _1\"></span>0<span class=\"_ _1\"></span>23<span class=\"_ _1e3\"> </span><span class=\"ls138 ws1e5\">Note<span class=\"_ _94\"> </span></span>Niv<span class=\"_ _1\"></span>\u00e5 1<span class=\"_ _8e\"> </span>Niv\u00e5 2<span class=\"_ _189\"> </span>Niv\u00e5 3<span class=\"_ _108\"> </span>T<span class=\"_ _2\"></span>otalt</span><span style=\"display:inherit;clear:left;\">Eiendeler</span><span style=\"display:inherit;clear:left;\">Utl\u00e5n til kunder<span class=\"_ _1d2\"> </span>4<span class=\"_ _30\"> </span><span class=\"ls31 ws81\">4<span class=\"_ _8\"></span> 591<span class=\"_ _1b\"> </span>4 59<span class=\"_ _8\"></span>1</span></span><span style=\"display:inherit;clear:left;\">Aksjer <span class=\"_ _166\"> </span></span><span style=\"display:inherit;clear:left;\">4,26<span class=\"_ _e9\"> </span></span><span style=\"display:inherit;clear:left;\">386<span class=\"_ _1e5\"> </span><span class=\"ls12f ws1d9\">1<span class=\"_ _8\"></span>73<span class=\"_ _e9\"> </span><span class=\"ls31 ws81\">5<span class=\"_ _8\"></span>59</span></span></span><span style=\"display:inherit;clear:left;\">Sertifika<span class=\"_ _1\"></span>ter og obligasjoner<span class=\"_ _1e6\"> </span></span><span style=\"display:inherit;clear:left;\">4<span class=\"_ _8\"></span>,1<span class=\"_ _38\"></span>9<span class=\"_ _74\"> </span><span class=\"ls13e ws1ec\">9<span class=\"_ _a\"></span> 9<span class=\"_ _8\"></span>47<span class=\"_ _83\"> </span></span></span><span style=\"display:inherit;clear:left;\">23 968<span class=\"_ _16f\"> </span>33 9<span class=\"_ _1\"></span>15</span><span style=\"display:inherit;clear:left;\">Finansielle deriv<span class=\"_ _1\"></span>a<span class=\"_ _1\"></span>ter<span class=\"_ _1e7\"> </span></span><span style=\"display:inherit;clear:left;\">4<span class=\"_ _8\"></span>,<span class=\"_ _8\"></span>24<span class=\"_ _b4\"> </span><span class=\"ls82 ws14b\">4 608<span class=\"_ _b4\"> </span>4 608</span></span><span style=\"display:inherit;clear:left;\">T<span class=\"_ _0\"></span>otalt<span class=\"_ _1ee\"> </span><span class=\"lsf wsf\">10 333<span class=\"_ _87\"> </span></span>28 577<span class=\"_ _86\"> </span>4 764<span class=\"_ _89\"> </span>43 6<span class=\"_ _1\"></span>7<span class=\"_ _1\"></span>3</span><span style=\"display:inherit;clear:left;\">Gjeld</span><span style=\"display:inherit;clear:left;\">Innskudd fr<span class=\"_ _1\"></span>a og gjeld til kunder<span class=\"_ _15b\"> </span></span><span style=\"display:inherit;clear:left;\">4,38<span class=\"_ _1d5\"> </span><span class=\"ls4a ws9d\">1<span class=\"_ _8\"></span> 8<span class=\"_ _8\"></span>24<span class=\"_ _1d5\"> </span>1<span class=\"_ _8\"></span> 8<span class=\"_ _8\"></span>24</span></span><span style=\"display:inherit;clear:left;\">Gjeld stift<span class=\"_ _1\"></span>et v<span class=\"_ _1\"></span>ed uts<span class=\"_ _1\"></span>tedelse a<span class=\"_ _2\"></span>v verdipapir<span class=\"_ _1\"></span>er<span class=\"_ _1d1\"> </span><span class=\"ls136 ws1e3\">4,<span class=\"_ _8\"></span>39<span class=\"_ _16f\"> </span></span>10 27<span class=\"_ _0\"></span>4<span class=\"_ _16f\"> </span>10 27<span class=\"_ _0\"></span>4</span><span style=\"display:inherit;clear:left;\">Finansielle deriv<span class=\"_ _1\"></span>a<span class=\"_ _1\"></span>ter <span class=\"_ _179\"> </span></span><span style=\"display:inherit;clear:left;\">4<span class=\"_ _8\"></span>,<span class=\"_ _8\"></span>24<span class=\"_ _1f\"> </span><span class=\"ls133 ws1e0\">4 540<span class=\"_ _e1\"> </span>4 540</span></span><span style=\"display:inherit;clear:left;\">T<span class=\"_ _0\"></span>otalt<span class=\"_ _1ef\"> </span>16 63<span class=\"_ _1\"></span>7<span class=\"_ _1f0\"> </span>16 63<span class=\"_ _1\"></span>7</span><span style=\"display:inherit;clear:left;\">Utl\u00e5n til kunder<span class=\"_ _8e\"> </span>Aksjer</span><span style=\"display:inherit;clear:left;\">Finansielle instrumen<span class=\"_ _1\"></span>t<span class=\"_ _1\"></span>er v<span class=\"_ _1\"></span>erdsa<span class=\"_ _2\"></span>tt ett<span class=\"_ _1\"></span>er niv<span class=\"_ _1\"></span>\u00e5 3 pr<span class=\"_ _0\"></span>. 1/1-20<span class=\"_ _1\"></span>23<span class=\"_ _1f1\"> </span><span class=\"ls61 wsb5\">4<span class=\"_ _8\"></span> 797<span class=\"_ _92\"> </span><span class=\"ls13f ws1ed\">183</span></span></span><span style=\"display:inherit;clear:left;\">Tilgang/kj\u00f8p<span class=\"_ _1f2\"> </span><span class=\"ls31 ws81\">2 75<span class=\"_ _8\"></span>1<span class=\"_ _48\"> </span></span>7</span><span style=\"display:inherit;clear:left;\">Salg/innfrielse/nedbe<span class=\"_ _1\"></span>taling<span class=\"_ _167\"> </span><span class=\"ls84 wsdf\">-3<span class=\"_ _8\"></span> 038<span class=\"_ _10\"> </span><span class=\"ls120 ws1cb\">-43</span></span></span><span style=\"display:inherit;clear:left;\">\u00c5re<span class=\"_ _1\"></span>ts v<span class=\"_ _1\"></span>er<span class=\"_ _1\"></span>dir<span class=\"_ _1\"></span>egulering o<span class=\"_ _1\"></span>ver r<span class=\"_ _1\"></span>esulta<span class=\"_ _2\"></span>t<span class=\"_ _1f3\"> </span><span class=\"ls82 ws14b\">81<span class=\"_ _9d\"> </span><span class=\"ls125 ws1cf\">26</span></span></span><span style=\"display:inherit;clear:left;\">Reklassifikasjon mellom niv<span class=\"_ _1\"></span>\u00e5 2 og 3<span class=\"_ _1ed\"> </span>0<span class=\"_ _13\"> </span>0</span><span style=\"display:inherit;clear:left;\">Finansielle instrumen<span class=\"_ _1\"></span>t<span class=\"_ _1\"></span>er ver<span class=\"_ _2\"></span>dsatt e<span class=\"_ _1\"></span>tt<span class=\"_ _1\"></span>er niv<span class=\"_ _1\"></span>\u00e5 3 pr<span class=\"_ _0\"></span>. 31/12-<span class=\"_ _1\"></span>20<span class=\"_ _1\"></span>23<span class=\"_ _30\"> </span><span class=\"ls8 ws8\">4<span class=\"_ _8\"></span> 591<span class=\"_ _66\"> </span><span class=\"ls12f ws1d9\">1<span class=\"_ _8\"></span>73</span></span></span><span style=\"display:inherit;clear:left;\">En \u00f8kning i diskon<span class=\"_ _1\"></span>teringsr<span class=\"_ _1\"></span>en<span class=\"_ _1\"></span>t<span class=\"_ _1\"></span>en med 10 basispunkter f<span class=\"_ _1\"></span>or utl\u00e5n vur<span class=\"_ _1\"></span>dert til virkelig v<span class=\"_ _1\"></span>er<span class=\"_ _1\"></span>di, vil medf<span class=\"_ _1\"></span>\u00f8r<span class=\"_ _1\"></span>e en r<span class=\"_ _1\"></span>eduksjon i v<span class=\"_ _1\"></span>er<span class=\"_ _1\"></span>dien  </span><span style=\"display:inherit;clear:left;\">p\u00e5 12 millioner kroner<span class=\"_ _0\"></span>.</span><span style=\"display:inherit;clear:left;\">MORBANK</span><span style=\"display:inherit;clear:left;\">31/12-<span class=\"_ _1\"></span>2022<span class=\"_ _1d2\"> </span></span><span style=\"display:inherit;clear:left;\">Note<span class=\"_ _94\"> </span><span class=\"ls0 ws0\">Niv<span class=\"_ _1\"></span>\u00e5 1<span class=\"_ _8e\"> </span>Niv\u00e5 2<span class=\"_ _189\"> </span>Niv\u00e5 3<span class=\"_ _108\"> </span>T<span class=\"_ _2\"></span>otalt</span></span><span style=\"display:inherit;clear:left;\">Eiendeler</span><span style=\"display:inherit;clear:left;\">Utl\u00e5n til<span class=\"_ _1\"></span> kunder<span class=\"_ _1d3\"> </span></span><span style=\"display:inherit;clear:left;\">4<span class=\"_ _1f4\"> </span><span class=\"ls6 ws6\">4<span class=\"_ _8\"></span> 7<span class=\"_ _8\"></span>97<span class=\"_ _5d\"> </span>4<span class=\"_ _8\"></span> 797</span></span><span style=\"display:inherit;clear:left;\">Aksjer <span class=\"_ _1d4\"> </span><span class=\"ls125 ws1cf\">4,<span class=\"_ _8\"></span>26<span class=\"_ _4a\"> </span><span class=\"ls0 ws0\">44<span class=\"_ _a9\"> </span><span class=\"ls13f ws1ed\">183<span class=\"_ _e9\"> </span></span></span>226</span></span><span style=\"display:inherit;clear:left;\">Sertifikater og<span class=\"_ _1\"></span> obligasjoner<span class=\"_ _34\"> </span></span><span style=\"display:inherit;clear:left;\">4<span class=\"_ _8\"></span>,1<span class=\"_ _a\"></span>9<span class=\"_ _6e\"> </span><span class=\"ls0 ws0\">11 239<span class=\"_ _83\"> </span>19 4<span class=\"_ _1\"></span>09<span class=\"_ _cf\"> </span>30 648</span></span><span style=\"display:inherit;clear:left;\">Finansielle deriv<span class=\"_ _1\"></span>at<span class=\"_ _1\"></span>er<span class=\"_ _179\"> </span></span><span style=\"display:inherit;clear:left;\">4,<span class=\"_ _8\"></span>24<span class=\"_ _b4\"> </span><span class=\"ls135 ws1e2\">4<span class=\"_ _8\"></span> 894<span class=\"_ _b4\"> </span>4 89<span class=\"_ _8\"></span>4</span></span><span style=\"display:inherit;clear:left;\">To<span class=\"_ _8\"></span>t<span class=\"_ _a\"></span>a<span class=\"_ _8\"></span>l<span class=\"_ _a\"></span>t<span class=\"_ _1f5\"> </span></span><span style=\"display:inherit;clear:left;\">11 283<span class=\"_ _90\"> </span></span><span style=\"display:inherit;clear:left;\">24<span class=\"_ _8\"></span> 30<span class=\"_ _8\"></span>3<span class=\"_ _86\"> </span><span class=\"ls82 ws14b\">4 980<span class=\"_ _90\"> </span><span class=\"ls108 ws16a\">40 566</span></span></span><span style=\"display:inherit;clear:left;\">Gjeld</span><span style=\"display:inherit;clear:left;\">Inn<span class=\"_ _8\"></span>skud<span class=\"_ _8\"></span>d fra og g<span class=\"_ _a\"></span>jel<span class=\"_ _8\"></span>d til k<span class=\"_ _8\"></span>und<span class=\"_ _8\"></span>er<span class=\"_ _1d7\"> </span></span><span style=\"display:inherit;clear:left;\">4,38<span class=\"_ _21\"> </span><span class=\"ls4a ws9d\">576<span class=\"_ _21\"> </span>576</span></span><span style=\"display:inherit;clear:left;\">Gjeld stiftet<span class=\"_ _1\"></span> ved u<span class=\"_ _1\"></span>tstedelse a<span class=\"_ _1\"></span>v v<span class=\"_ _1\"></span>erdipapir<span class=\"_ _1\"></span>er<span class=\"_ _23\"> </span><span class=\"ls136 ws1e3\">4,<span class=\"_ _8\"></span>39<span class=\"_ _1e8\"> </span>8 239<span class=\"_ _1e8\"> </span>8 239</span></span><span style=\"display:inherit;clear:left;\">Finansielle deriv<span class=\"_ _1\"></span>at<span class=\"_ _1\"></span>er <span class=\"_ _1da\"> </span></span><span style=\"display:inherit;clear:left;\">4<span class=\"_ _8\"></span>,<span class=\"_ _8\"></span>24<span class=\"_ _1e8\"> </span><span class=\"ls6 ws6\">2<span class=\"_ _8\"></span> 5<span class=\"_ _8\"></span>07<span class=\"_ _29\"> </span>2<span class=\"_ _a\"></span> 5<span class=\"_ _8\"></span>07</span></span><span style=\"display:inherit;clear:left;\">To<span class=\"_ _8\"></span>t<span class=\"_ _a\"></span>a<span class=\"_ _8\"></span>l<span class=\"_ _a\"></span>t<span class=\"_ _16e\"> </span><span class=\"ls0 ws0\">11 3<span class=\"_ _1\"></span>22<span class=\"_ _e8\"> </span>11 3<span class=\"_ _1\"></span>22</span></span><span style=\"display:inherit;clear:left;\">Utl\u00e5n til kunder<span class=\"_ _8e\"> </span>Aksjer</span><span style=\"display:inherit;clear:left;\">Finansielle instrumen<span class=\"_ _1\"></span>ter v<span class=\"_ _1\"></span>erdsa<span class=\"_ _1\"></span>tt ett<span class=\"_ _1\"></span>er niv<span class=\"_ _1\"></span>\u00e5 3<span class=\"_ _1\"></span> pr<span class=\"_ _2\"></span>. 1/1-<span class=\"_ _2\"></span>2022<span class=\"_ _1a5\"> </span><span class=\"ls82 ws14b\">5 860<span class=\"_ _10\"> </span><span class=\"ls0 ws0\">217</span></span></span><span style=\"display:inherit;clear:left;\">Tilgang/<span class=\"_ _8\"></span>kj\u00f8p<span class=\"_ _1f6\"> </span><span class=\"ls138 ws1e5\">826<span class=\"_ _97\"> </span><span class=\"ls109 ws16b\">28</span></span></span><span style=\"display:inherit;clear:left;\">Salg<span class=\"_ _8\"></span>/innfrielse/nedbetaling<span class=\"_ _167\"> </span><span class=\"ls0 ws0\">-<span class=\"_ _1\"></span>1 77<span class=\"_ _2\"></span>8<span class=\"_ _66\"> </span><span class=\"ls125 ws1cf\">-29</span></span></span><span style=\"display:inherit;clear:left;\">\u00c5rets v<span class=\"_ _1\"></span>erdi<span class=\"_ _1\"></span>regulering<span class=\"_ _1\"></span> ov<span class=\"_ _1\"></span>er r<span class=\"_ _1\"></span>esultat<span class=\"_ _1f7\"> </span><span class=\"ls0 ws0\">-<span class=\"_ _1\"></span>110<span class=\"_ _66\"> </span><span class=\"ls84 wsdf\">-33</span></span></span><span style=\"display:inherit;clear:left;\">Rek<span class=\"_ _8\"></span>las<span class=\"_ _8\"></span>sifi<span class=\"_ _8\"></span>kasj<span class=\"_ _8\"></span>on me<span class=\"_ _8\"></span>llo<span class=\"_ _8\"></span>m niv\u00e5 2 og 3 <span class=\"_ _1f8\"> </span>0<span class=\"_ _13\"> </span>0</span><span style=\"display:inherit;clear:left;\">Finansielle instrumen<span class=\"_ _1\"></span>ter v<span class=\"_ _1\"></span>erdsa<span class=\"_ _1\"></span>tt ett<span class=\"_ _1\"></span>er niv<span class=\"_ _1\"></span>\u00e5 3<span class=\"_ _1\"></span> pr<span class=\"_ _2\"></span>. 31/12<span class=\"_ _2\"></span>-2<span class=\"_ _1\"></span>022<span class=\"_ _1cb\"> </span><span class=\"ls61 wsb5\">4<span class=\"_ _8\"></span> 7<span class=\"_ _8\"></span>97<span class=\"_ _10\"> </span><span class=\"ls13f ws1ed\">183</span></span></span><span style=\"display:inherit;clear:left;\">En \u00f8k<span class=\"_ _8\"></span>ning i d<span class=\"_ _8\"></span>iskont<span class=\"_ _8\"></span>erin<span class=\"_ _8\"></span>gsrente<span class=\"_ _8\"></span>n med 1<span class=\"_ _8\"></span>0 bas<span class=\"_ _8\"></span>ispu<span class=\"_ _8\"></span>nk<span class=\"_ _8\"></span>ter for ut<span class=\"_ _8\"></span>l\u00e5n v<span class=\"_ _8\"></span>urder<span class=\"_ _8\"></span>t ti<span class=\"_ _8\"></span>l vir<span class=\"_ _8\"></span>kelig ve<span class=\"_ _8\"></span>rdi, vi<span class=\"_ _8\"></span>l med<span class=\"_ _8\"></span>f\u00f8re en red<span class=\"_ _8\"></span>uksjo<span class=\"_ _8\"></span>n i verdie<span class=\"_ _8\"></span>n  </span><span style=\"display:inherit;clear:left;\">p\u00e5 15<span class=\"_ _1\"></span> millioner<span class=\"_ _1\"></span> kroner<span class=\"_ _0\"></span>.</span><span style=\"display:inherit;clear:left;\">Note 19 Ser<span class=\"_ _8\"></span>t<span class=\"_ _8\"></span>ifi<span class=\"_ _8\"></span>kater og obligasjoner</span><span style=\"display:inherit;clear:left;\">KONSERN<span class=\"_ _1\"></span> </span><span style=\"display:inherit;clear:left;\">31/12<span class=\"_ _1\"></span>-2<span class=\"_ _1\"></span>0<span class=\"_ _1\"></span>23</span><span style=\"display:inherit;clear:left;\">F<span class=\"_ _2\"></span>ordelt p\u00e5 sektor<span class=\"_ _2\"></span>er<span class=\"_ _14e\"> </span>Spr<span class=\"_ _1\"></span>ea<span class=\"_ _1\"></span>drisiko<span class=\"_ _8a\"> </span>Kos<span class=\"_ _1\"></span>tpris<span class=\"_ _53\"> </span>Marke<span class=\"_ _1\"></span>dsv<span class=\"_ _1\"></span>er<span class=\"_ _1\"></span>di<span class=\"_ _26d\"> </span>Rel. for<span class=\"_ _2\"></span>deling</span><span style=\"display:inherit;clear:left;\">St<span class=\"_ _8\"></span>at<span class=\"_ _26e\"> </span><span class=\"ls0 ws0\">0<span class=\"_ _17\"> </span><span class=\"ls108 ws16a\">4 945<span class=\"_ _91\"> </span></span>4 915<span class=\"_ _a1\"> </span>13 %</span></span><span style=\"display:inherit;clear:left;\">Bank og finans \u2013 sta<span class=\"_ _1\"></span>tsg<span class=\"_ _1\"></span>ar<span class=\"_ _1\"></span>ant<span class=\"_ _1\"></span>ert<span class=\"_ _24e\"> </span></span><span style=\"display:inherit;clear:left;\">40<span class=\"_ _16\"> </span></span><span style=\"display:inherit;clear:left;\">5<span class=\"_ _8\"></span> 894<span class=\"_ _8d\"> </span><span class=\"ls82 ws14b\">5 980<span class=\"_ _a1\"> </span></span></span><span style=\"display:inherit;clear:left;\">16 %</span><span style=\"display:inherit;clear:left;\">Off<span class=\"_ _1\"></span>entlig sekt<span class=\"_ _1\"></span>or \u2013 st<span class=\"_ _1\"></span>a<span class=\"_ _1\"></span>tsgar<span class=\"_ _1\"></span>an<span class=\"_ _1\"></span>tert<span class=\"_ _26f\"> </span>10<span class=\"_ _10\"> </span>1 277<span class=\"_ _8b\"> </span><span class=\"ls125 ws1cf\">1 26<span class=\"_ _8\"></span>8<span class=\"_ _25\"> </span></span>3 %</span><span style=\"display:inherit;clear:left;\">Obligasjoner med f<span class=\"_ _1\"></span>ortrinnsre<span class=\"_ _1\"></span>t<span class=\"_ _1\"></span>t<span class=\"_ _153\"> </span></span><span style=\"display:inherit;clear:left;\">290<span class=\"_ _5d\"> </span><span class=\"ls135 ws1e2\">20<span class=\"_ _8\"></span> 892<span class=\"_ _98\"> </span></span></span><span style=\"display:inherit;clear:left;\">21 014</span><span style=\"display:inherit;clear:left;\"><span class=\"_ _96\"> </span><span class=\"ls31 ws81\">57<span class=\"_ _8\"></span> %</span></span><span style=\"display:inherit;clear:left;\">Kommuner og fylkesk<span class=\"_ _1\"></span>ommuner<span class=\"_ _1b7\"> </span>9<span class=\"_ _17\"> </span>2 900<span class=\"_ _8d\"> </span><span class=\"ls136 ws1e3\">2 930<span class=\"_ _e7\"> </span></span>8 %</span><span style=\"display:inherit;clear:left;\">Bank og finans<span class=\"_ _270\"> </span>1<span class=\"_ _a2\"> </span><span class=\"ls82 ws14b\">450<span class=\"_ _20e\"> </span>453<span class=\"_ _13\"> </span></span>1 %</span><span style=\"display:inherit;clear:left;\">F<span class=\"_ _2\"></span>oretak og anne<span class=\"_ _1\"></span>t<span class=\"_ _1e1\"> </span>0<span class=\"_ _69\"> </span>1<span class=\"_ _67\"> </span>1<span class=\"_ _118\"> </span>0 %</span><span style=\"display:inherit;clear:left;\">Sertifika<span class=\"_ _1\"></span>t<span class=\"_ _1\"></span>er og obligasjoner<span class=\"_ _25f\"> </span></span><span style=\"display:inherit;clear:left;\">350<span class=\"_ _74\"> </span></span><span style=\"display:inherit;clear:left;\">36 3<span class=\"_ _8\"></span>59<span class=\"_ _94\"> </span><span class=\"ls135 ws1e2\">36 56<span class=\"_ _8\"></span>0<span class=\"_ _17\"> </span></span></span><span style=\"display:inherit;clear:left;\">100 %</span><span style=\"display:inherit;clear:left;\">I portef<span class=\"_ _1\"></span>\u00f8ljen de<span class=\"_ _1\"></span>finert o<span class=\"_ _1\"></span>ven<span class=\"_ _1\"></span>f<span class=\"_ _1\"></span>or utgj\u00f8r 2 7<span class=\"_ _0\"></span>42 millioner kr<span class=\"_ _1\"></span>oner gr<span class=\"_ _1\"></span>\u00f8nne/ESG-obligasjoner<span class=\"_ _0\"></span>.</span><span style=\"display:inherit;clear:left;\">31/12<span class=\"_ _1\"></span>-2<span class=\"_ _1\"></span>0<span class=\"_ _1\"></span>22</span><span style=\"display:inherit;clear:left;\">F<span class=\"_ _2\"></span>ordelt p\u00e5 sektor<span class=\"_ _2\"></span>er<span class=\"_ _14e\"> </span>Spr<span class=\"_ _1\"></span>ea<span class=\"_ _1\"></span>drisiko<span class=\"_ _8a\"> </span>Kos<span class=\"_ _1\"></span>tpris<span class=\"_ _53\"> </span>Marke<span class=\"_ _1\"></span>dsv<span class=\"_ _1\"></span>er<span class=\"_ _1\"></span>di<span class=\"_ _26d\"> </span>Rel. for<span class=\"_ _2\"></span>deling</span><span style=\"display:inherit;clear:left;\">St<span class=\"_ _8\"></span>at<span class=\"_ _26e\"> </span><span class=\"ls0 ws0\">0<span class=\"_ _8d\"> </span><span class=\"ls125 ws1cf\">7 020<span class=\"_ _91\"> </span><span class=\"ls132 ws1de\">6<span class=\"_ _8\"></span> 873<span class=\"_ _3d\"> </span></span></span>22 %</span></span><span style=\"display:inherit;clear:left;\">Bank og finans \u2013 sta<span class=\"_ _1\"></span>tsg<span class=\"_ _1\"></span>ar<span class=\"_ _1\"></span>ant<span class=\"_ _1\"></span>ert<span class=\"_ _1e7\"> </span></span><span style=\"display:inherit;clear:left;\">29<span class=\"_ _17\"> </span><span class=\"ls108 ws16a\">4 946<span class=\"_ _78\"> </span></span></span><span style=\"display:inherit;clear:left;\">4 902</span><span style=\"display:inherit;clear:left;\"><span class=\"_ _a1\"> </span></span><span style=\"display:inherit;clear:left;\">16 %</span><span style=\"display:inherit;clear:left;\">Off<span class=\"_ _1\"></span>entlig sekt<span class=\"_ _1\"></span>or \u2013 st<span class=\"_ _1\"></span>a<span class=\"_ _1\"></span>tsgar<span class=\"_ _1\"></span>an<span class=\"_ _1\"></span>tert<span class=\"_ _153\"> </span>11<span class=\"_ _a2\"> </span>1 117<span class=\"_ _a1\"> </span>1 116<span class=\"_ _118\"> </span>4 %</span><span style=\"display:inherit;clear:left;\">Obligasjoner med f<span class=\"_ _1\"></span>ortrinnsre<span class=\"_ _1\"></span>t<span class=\"_ _1\"></span>t<span class=\"_ _153\"> </span><span class=\"ls4a ws9d\">24<span class=\"_ _8\"></span>8<span class=\"_ _78\"> </span></span>15 571<span class=\"_ _12\"> </span>15 57<span class=\"_ _1\"></span>9<span class=\"_ _a1\"> </span><span class=\"ls139 ws1e6\">51<span class=\"_ _8\"></span> %</span></span><span style=\"display:inherit;clear:left;\">Kommuner og fylkesk<span class=\"_ _1\"></span>ommuner<span class=\"_ _271\"> </span>21<span class=\"_ _8d\"> </span></span><span style=\"display:inherit;clear:left;\">2 036<span class=\"_ _78\"> </span><span class=\"ls108 ws16a\">2<span class=\"_ _8\"></span> 045<span class=\"_ _e7\"> </span></span></span><span style=\"display:inherit;clear:left;\">7 %</span><span style=\"display:inherit;clear:left;\">Bank og finans<span class=\"_ _270\"> </span>1<span class=\"_ _9d\"> </span><span class=\"ls12c ws1d6\">300<span class=\"_ _25\"> </span>301<span class=\"_ _13\"> </span></span>1 %</span><span style=\"display:inherit;clear:left;\">F<span class=\"_ _2\"></span>oretak og anne<span class=\"_ _1\"></span>t<span class=\"_ _1e1\"> </span>0<span class=\"_ _c8\"> </span>8<span class=\"_ _43\"> </span>8<span class=\"_ _df\"> </span>0 %</span><span style=\"display:inherit;clear:left;\">Sertifika<span class=\"_ _1\"></span>t<span class=\"_ _1\"></span>er og obligasjoner<span class=\"_ _272\"> </span><span class=\"ls126 ws1d0\">310<span class=\"_ _74\"> </span></span>31 000<span class=\"_ _94\"> </span><span class=\"ls15 ws15\">30<span class=\"_ _8\"></span> 825<span class=\"_ _17\"> </span></span>100 %</span><span style=\"display:inherit;clear:left;\">I portef<span class=\"_ _1\"></span>\u00f8ljen de<span class=\"_ _1\"></span>finert o<span class=\"_ _1\"></span>ven<span class=\"_ _1\"></span>f<span class=\"_ _1\"></span>or utgj\u00f8r 1 4<span class=\"_ _1\"></span>9<span class=\"_ _1\"></span>2 millioner kroner gr<span class=\"_ _1\"></span>\u00f8nne/E<span class=\"_ _1\"></span>SG-obligasjoner<span class=\"_ _0\"></span>.</span><span style=\"display:inherit;clear:left;\">MORBANK </span><span style=\"display:inherit;clear:left;\">31/12<span class=\"_ _1\"></span>-2<span class=\"_ _1\"></span>0<span class=\"_ _1\"></span>23</span><span style=\"display:inherit;clear:left;\">F<span class=\"_ _2\"></span>ordelt p\u00e5 sektor<span class=\"_ _2\"></span>er<span class=\"_ _14e\"> </span>Spr<span class=\"_ _1\"></span>ea<span class=\"_ _1\"></span>drisiko<span class=\"_ _8a\"> </span>Kos<span class=\"_ _1\"></span>tpris<span class=\"_ _53\"> </span>Marke<span class=\"_ _1\"></span>dsv<span class=\"_ _1\"></span>er<span class=\"_ _1\"></span>di<span class=\"_ _26d\"> </span>Rel. for<span class=\"_ _2\"></span>deling</span><span style=\"display:inherit;clear:left;\">St<span class=\"_ _8\"></span>at<span class=\"_ _26e\"> </span><span class=\"ls0 ws0\">0<span class=\"_ _17\"> </span><span class=\"ls108 ws16a\">4 945<span class=\"_ _91\"> </span></span>4 915<span class=\"_ _95\"> </span>14 %</span></span><span style=\"display:inherit;clear:left;\">Bank og finans \u2013 sta<span class=\"_ _1\"></span>tsg<span class=\"_ _1\"></span>ar<span class=\"_ _1\"></span>ant<span class=\"_ _1\"></span>ert<span class=\"_ _1e7\"> </span></span><span style=\"display:inherit;clear:left;\">36<span class=\"_ _17\"> </span></span><span style=\"display:inherit;clear:left;\">4 945<span class=\"_ _8d\"> </span><span class=\"ls125 ws1cf\">5<span class=\"_ _8\"></span> 032<span class=\"_ _68\"> </span></span></span><span style=\"display:inherit;clear:left;\">15 %</span><span style=\"display:inherit;clear:left;\">Off<span class=\"_ _1\"></span>entlig sekt<span class=\"_ _1\"></span>or \u2013 st<span class=\"_ _1\"></span>a<span class=\"_ _1\"></span>tsgar<span class=\"_ _1\"></span>an<span class=\"_ _1\"></span>tert<span class=\"_ _26f\"> </span>10<span class=\"_ _10\"> </span>1 277<span class=\"_ _8b\"> </span><span class=\"ls125 ws1cf\">1 26<span class=\"_ _8\"></span>8<span class=\"_ _118\"> </span></span>4 %</span><span style=\"display:inherit;clear:left;\">Obligasjoner med f<span class=\"_ _1\"></span>ortrinnsre<span class=\"_ _1\"></span>t<span class=\"_ _1\"></span>t<span class=\"_ _273\"> </span><span class=\"ls4a ws9d\">276<span class=\"_ _12\"> </span></span>19 2<span class=\"_ _1\"></span>08<span class=\"_ _17\"> </span>19 317<span class=\"_ _96\"> </span><span class=\"ls31 ws81\">57<span class=\"_ _8\"></span> %</span></span><span style=\"display:inherit;clear:left;\">Kommuner og fylkesk<span class=\"_ _1\"></span>ommuner<span class=\"_ _272\"> </span>9<span class=\"_ _78\"> </span>2 900<span class=\"_ _8d\"> </span><span class=\"ls136 ws1e3\">2 930<span class=\"_ _25\"> </span></span>9 %</span><span style=\"display:inherit;clear:left;\">Bank og finans<span class=\"_ _270\"> </span>1<span class=\"_ _a2\"> </span><span class=\"ls82 ws14b\">450<span class=\"_ _20e\"> </span>453<span class=\"_ _13\"> </span></span>1 %</span><span style=\"display:inherit;clear:left;\">F<span class=\"_ _2\"></span>oretak og anne<span class=\"_ _1\"></span>t<span class=\"_ _1e1\"> </span>0<span class=\"_ _69\"> </span>1<span class=\"_ _67\"> </span>1<span class=\"_ _118\"> </span>0 %</span><span style=\"display:inherit;clear:left;\">Sertifika<span class=\"_ _1\"></span>t<span class=\"_ _1\"></span>er og obligasjoner<span class=\"_ _274\"> </span></span><span style=\"display:inherit;clear:left;\">332<span class=\"_ _93\"> </span><span class=\"ls14f ws200\">33<span class=\"_ _8\"></span> 72<span class=\"_ _8\"></span>6<span class=\"_ _72\"> </span></span></span><span style=\"display:inherit;clear:left;\">33 915</span><span style=\"display:inherit;clear:left;\"><span class=\"_ _18\"> </span></span><span style=\"display:inherit;clear:left;\">100 %</span><span style=\"display:inherit;clear:left;\">31/12<span class=\"_ _1\"></span>-2<span class=\"_ _1\"></span>0<span class=\"_ _1\"></span>22</span><span style=\"display:inherit;clear:left;\">F<span class=\"_ _2\"></span>ordelt p\u00e5 sektor<span class=\"_ _2\"></span>er<span class=\"_ _14e\"> </span>Spr<span class=\"_ _1\"></span>ea<span class=\"_ _1\"></span>drisiko<span class=\"_ _8a\"> </span>Kos<span class=\"_ _1\"></span>tpris<span class=\"_ _53\"> </span>Marke<span class=\"_ _1\"></span>dsv<span class=\"_ _1\"></span>er<span class=\"_ _1\"></span>di<span class=\"_ _26d\"> </span>Rel. for<span class=\"_ _2\"></span>deling</span><span style=\"display:inherit;clear:left;\">St<span class=\"_ _8\"></span>at<span class=\"_ _26e\"> </span><span class=\"ls0 ws0\">0<span class=\"_ _8d\"> </span><span class=\"ls125 ws1cf\">7 020<span class=\"_ _91\"> </span><span class=\"ls132 ws1de\">6<span class=\"_ _8\"></span> 873<span class=\"_ _3d\"> </span></span></span>22 %</span></span><span style=\"display:inherit;clear:left;\">Bank og finans \u2013 sta<span class=\"_ _1\"></span>tsg<span class=\"_ _1\"></span>aran<span class=\"_ _1\"></span>t<span class=\"_ _1\"></span>ert<span class=\"_ _273\"> </span><span class=\"ls83 wsdd\">25<span class=\"_ _91\"> </span></span>4 4<span class=\"_ _1\"></span>12<span class=\"_ _78\"> </span><span class=\"ls12c ws1d6\">4<span class=\"_ _8\"></span> 366<span class=\"_ _4a\"> </span></span>14 %</span><span style=\"display:inherit;clear:left;\">Off<span class=\"_ _1\"></span>entlig sekt<span class=\"_ _1\"></span>or \u2013 st<span class=\"_ _1\"></span>a<span class=\"_ _1\"></span>tsgar<span class=\"_ _1\"></span>an<span class=\"_ _1\"></span>tert<span class=\"_ _153\"> </span>11<span class=\"_ _a2\"> </span>1 117<span class=\"_ _a1\"> </span>1 116<span class=\"_ _118\"> </span>4 %</span><span style=\"display:inherit;clear:left;\">Obligasjoner med f<span class=\"_ _1\"></span>ortrinnsre<span class=\"_ _1\"></span>t<span class=\"_ _1\"></span>t<span class=\"_ _273\"> </span><span class=\"ls13e ws1ec\">247<span class=\"_ _12\"> </span></span>15 42<span class=\"_ _1\"></span>8<span class=\"_ _93\"> </span>15 435<span class=\"_ _66\"> </span><span class=\"ls82 ws14b\">50 %</span></span><span style=\"display:inherit;clear:left;\">Kommuner og fylkesk<span class=\"_ _1\"></span>ommuner<span class=\"_ _271\"> </span>21<span class=\"_ _8d\"> </span></span><span style=\"display:inherit;clear:left;\">2 036<span class=\"_ _78\"> </span><span class=\"ls108 ws16a\">2<span class=\"_ _8\"></span> 045<span class=\"_ _e7\"> </span></span></span><span style=\"display:inherit;clear:left;\">7 %</span><span style=\"display:inherit;clear:left;\">Bank og finans<span class=\"_ _270\"> </span>1<span class=\"_ _9d\"> </span><span class=\"ls12c ws1d6\">300<span class=\"_ _25\"> </span>301<span class=\"_ _13\"> </span></span>1 %</span><span style=\"display:inherit;clear:left;\">Bank og finans \u2013 ansv<span class=\"_ _1\"></span>arlig<span class=\"_ _1\"></span>e l\u00e5n og fondsoblig<span class=\"_ _1\"></span>asjoner<span class=\"_ _275\"> </span>14<span class=\"_ _226\"> </span></span><span style=\"display:inherit;clear:left;\">500<span class=\"_ _97\"> </span><span class=\"ls136 ws1e3\">503<span class=\"_ _e7\"> </span></span></span><span style=\"display:inherit;clear:left;\">2 %</span><span style=\"display:inherit;clear:left;\">F<span class=\"_ _2\"></span>oretak og anne<span class=\"_ _1\"></span>t<span class=\"_ _1e1\"> </span>0<span class=\"_ _c8\"> </span>8<span class=\"_ _43\"> </span>8<span class=\"_ _df\"> </span>0 %</span><span style=\"display:inherit;clear:left;\">Sertifika<span class=\"_ _1\"></span>t<span class=\"_ _1\"></span>er og obligasjoner<span class=\"_ _1b7\"> </span><span class=\"ls126 ws1d0\">319<span class=\"_ _74\"> </span></span>3<span class=\"_ _1\"></span>0 8<span class=\"_ _1\"></span>22<span class=\"_ _108\"> </span>30 648<span class=\"_ _18\"> </span>100 %</span><span style=\"display:inherit;clear:left;\">Sprea<span class=\"_ _1\"></span>drisiko er risik<span class=\"_ _1\"></span>o f<span class=\"_ _1\"></span>or nega<span class=\"_ _1\"></span>tiv<span class=\"_ _1\"></span>e v<span class=\"_ _1\"></span>er<span class=\"_ _1\"></span>diendringer som f<span class=\"_ _1\"></span>\u00f8lg<span class=\"_ _1\"></span>e a<span class=\"_ _1\"></span>v endring i kre<span class=\"_ _1\"></span>dittrisik<span class=\"_ _1\"></span>oen til utst<span class=\"_ _1\"></span>eder a<span class=\"_ _1\"></span>v r<span class=\"_ _1\"></span>ent<span class=\"_ _1\"></span>eins<span class=\"_ _1\"></span>trument<span class=\"_ _1\"></span>et. Spr<span class=\"_ _1\"></span>eadrisik<span class=\"_ _1\"></span>o </span><span style=\"display:inherit;clear:left;\">i tabellen ov<span class=\"_ _1\"></span>er er ber<span class=\"_ _1\"></span>egne<span class=\"_ _1\"></span>t basert p\u00e5 det underli<span class=\"ls14d ws1fd\">gg<span class=\"_ _2\"></span><span class=\"ls0 ws0\">ende instrument<span class=\"_ _1\"></span>ets dur<span class=\"_ _1\"></span>asjon og uts<span class=\"_ _1\"></span>teder<span class=\"_ _1\"></span>s kr<span class=\"_ _1\"></span>edittr<span class=\"_ _1\"></span>a<span class=\"_ _1\"></span>ting slik a<span class=\"_ _1\"></span>t v<span class=\"_ _1\"></span>er<span class=\"_ _1\"></span>dipapir<span class=\"_ _1\"></span>er med </span></span></span><span style=\"display:inherit;clear:left;\">h\u00f8<span class=\"_ _1\"></span>y kredit<span class=\"_ _1\"></span>trisiko f<span class=\"_ _2\"></span>\u00e5r en h\u00f8y<span class=\"_ _1\"></span>ere v<span class=\"_ _1\"></span>ekt enn v<span class=\"_ _1\"></span>er<span class=\"_ _1\"></span>dipapir<span class=\"_ _1\"></span>er med la<span class=\"_ _1\"></span>v kr<span class=\"_ _1\"></span>edittrisik<span class=\"_ _1\"></span>o. Spr<span class=\"_ _1\"></span>ea<span class=\"_ _1\"></span>drisikoen er ber<span class=\"_ _1\"></span>egne<span class=\"_ _1\"></span>t basert p\u00e5 modell utarbeidet a<span class=\"_ _1\"></span>v </span><span style=\"display:inherit;clear:left;\">Finanstils<span class=\"_ _1\"></span>ynet.</span><span style=\"display:inherit;clear:left;\">No<span class=\"_ _1\"></span>te 25 Re<span class=\"_ _1\"></span>gnskapsmessi<span class=\"_ _1\"></span>g sikr<span class=\"_ _8\"></span>ing a<span class=\"_ _1\"></span>v gje<span class=\"_ _1\"></span>ld stif<span class=\"_ _1\"></span>te<span class=\"_ _1\"></span>t v<span class=\"_ _1\"></span>ed u<span class=\"_ _1\"></span>tst<span class=\"_ _1\"></span>edel<span class=\"_ _1\"></span>se a<span class=\"_ _1\"></span>v v<span class=\"_ _2\"></span>erdipa<span class=\"_ _1\"></span>pirer</span><span style=\"display:inherit;clear:left;\">Konserne<span class=\"_ _1\"></span>t har e<span class=\"_ _1\"></span>tablert sikringsbokf\u00f8ring f<span class=\"_ _1\"></span>or \u00e5 oppn\u00e5 en r<span class=\"_ _1\"></span>egnskapsmes<span class=\"_ _1\"></span>sig behandling som re<span class=\"_ _1\"></span>\ufb02ekt<span class=\"_ _1\"></span>erer h<span class=\"_ _1\"></span>v<span class=\"_ _1\"></span>or<span class=\"_ _1\"></span>dan ren<span class=\"_ _1\"></span>t<span class=\"_ _1\"></span>erisiko og v<span class=\"_ _1\"></span>aluta<span class=\"_ _1\"></span>-</span><span style=\"display:inherit;clear:left;\">risiko s<span class=\"_ _1\"></span>tyr<span class=\"_ _1\"></span>es for s<span class=\"_ _1\"></span>t<span class=\"_ _1\"></span>\u00f8rre langsiktig<span class=\"_ _1\"></span>e innl\u00e5n knyt<span class=\"_ _1\"></span>te<span class=\"_ _1\"></span>t til boligkr<span class=\"_ _1\"></span>edit<span class=\"_ _1\"></span>tselskape<span class=\"_ _1\"></span>t. Sikringsobjektene best\u00e5r ut<span class=\"_ _1\"></span>elukkende a<span class=\"_ _2\"></span>v gjeld stifte<span class=\"_ _1\"></span>t ved </span><span style=\"display:inherit;clear:left;\">utst<span class=\"_ _1\"></span>edelse a<span class=\"_ _1\"></span>v finansielle instrumen<span class=\"_ _1\"></span>t<span class=\"_ _1\"></span>er og gjennomf<span class=\"_ _1\"></span>\u00f8r<span class=\"_ _1\"></span>es ihh<span class=\"_ _1\"></span>t IFRS 9 v<span class=\"_ _1\"></span>ed en virkelig v<span class=\"_ _1\"></span>er<span class=\"_ _1\"></span>disikring. </span><span style=\"display:inherit;clear:left;\">V<span class=\"_ _2\"></span>ed inng\u00e5else av sikring<span class=\"_ _1\"></span>en skjer de<span class=\"_ _1\"></span>t en formell \u00f8r<span class=\"_ _1\"></span>emerking og dok<span class=\"_ _1\"></span>umentasjon a<span class=\"_ _2\"></span>v sikringsforholde<span class=\"_ _1\"></span>t. Det ek<span class=\"_ _1\"></span>sist<span class=\"_ _1\"></span>erer en en<span class=\"_ _1\"></span>ty<span class=\"_ _1\"></span>dig, dir<span class=\"_ _1\"></span>ekte </span><span style=\"display:inherit;clear:left;\">og dokumen<span class=\"_ _1\"></span>tert sammenheng mellom v<span class=\"_ _1\"></span>er<span class=\"_ _1\"></span>disvingninger p\u00e5 sikringsobjekt<span class=\"_ _1\"></span>e<span class=\"_ _1\"></span>t som skyldes den sikr<span class=\"_ _1\"></span>ede risikoen, og v<span class=\"_ _1\"></span>er<span class=\"_ _1\"></span>disvingning<span class=\"_ _1\"></span>er f<span class=\"_ _1\"></span>or </span><span style=\"display:inherit;clear:left;\">de finansielle deriv<span class=\"_ _1\"></span>a<span class=\"_ _1\"></span>tene.  Sikring<span class=\"_ _1\"></span>en er dokumen<span class=\"_ _1\"></span>tert med hen<span class=\"_ _1\"></span>visning til konserne<span class=\"_ _1\"></span>ts risikos<span class=\"_ _1\"></span>tyringss<span class=\"_ _1\"></span>tr<span class=\"_ _1\"></span>a<span class=\"_ _1\"></span>tegi, en<span class=\"_ _1\"></span>ty<span class=\"_ _1\"></span>dig identifik<span class=\"_ _1\"></span>asjon a<span class=\"_ _1\"></span>v </span><span style=\"display:inherit;clear:left;\">sikringsobjekt og sikringsinstrumen<span class=\"_ _1\"></span>t, enty<span class=\"_ _1\"></span>dig beskriv<span class=\"_ _1\"></span>else a<span class=\"_ _1\"></span>v den sikr<span class=\"_ _1\"></span>ede risik<span class=\"_ _1\"></span>oen, samt en beskriv<span class=\"_ _1\"></span>else a<span class=\"_ _1\"></span>v h<span class=\"_ _1\"></span>v<span class=\"_ _1\"></span>orfor sikring<span class=\"_ _1\"></span>en f<span class=\"_ _1\"></span>orven<span class=\"_ _1\"></span>tes \u00e5 </span><span style=\"display:inherit;clear:left;\">v<span class=\"_ _1\"></span>\u00e6re e<span class=\"_ _1\"></span>ff<span class=\"_ _1\"></span>ektiv<span class=\"_ _2\"></span>.</span><span style=\"display:inherit;clear:left;\">Sikringsinstrumen<span class=\"_ _1\"></span>tene (r<span class=\"_ _1\"></span>en<span class=\"_ _1\"></span>te- o<span class=\"_ _1\"></span>g v<span class=\"_ _1\"></span>alutaswapper) r<span class=\"_ _1\"></span>egnskaps<span class=\"_ _1\"></span>f<span class=\"_ _1\"></span>\u00f8r<span class=\"_ _1\"></span>es til virkelig v<span class=\"_ _1\"></span>er<span class=\"_ _1\"></span>di, mens sikringsobjekt<span class=\"_ _1\"></span>ene blir bokf<span class=\"_ _1\"></span>\u00f8rt til virkelig v<span class=\"_ _1\"></span>er<span class=\"_ _1\"></span>di </span><span style=\"display:inherit;clear:left;\">for de risik<span class=\"_ _1\"></span>oene som sikr<span class=\"_ _1\"></span>es (r<span class=\"_ _1\"></span>en<span class=\"_ _1\"></span>te og v<span class=\"_ _1\"></span>aluta). Sikringsine<span class=\"_ _1\"></span>ff<span class=\"_ _1\"></span>ektivite<span class=\"_ _1\"></span>t, definert som f<span class=\"_ _1\"></span>orskjell mellom v<span class=\"_ _1\"></span>er<span class=\"_ _1\"></span>dir<span class=\"_ _1\"></span>egulering a<span class=\"_ _1\"></span>v sikringsins<span class=\"_ _1\"></span>trumen-</span><span style=\"display:inherit;clear:left;\">ter sammenligne<span class=\"_ _1\"></span>t med v<span class=\"_ _1\"></span>er<span class=\"_ _1\"></span>diregulering a<span class=\"_ _2\"></span>v de sikrede risikoer i objekt<span class=\"_ _1\"></span>ene, r<span class=\"_ _1\"></span>esulta<span class=\"_ _1\"></span>tf<span class=\"_ _1\"></span>\u00f8r<span class=\"_ _1\"></span>es l\u00f8pende i result<span class=\"_ _1\"></span>a<span class=\"_ _1\"></span>tr<span class=\"_ _1\"></span>egnskapet. Unn<span class=\"_ _1\"></span>take<span class=\"_ _1\"></span>t er den </span><span style=\"display:inherit;clear:left;\">delen a<span class=\"_ _1\"></span>v ver<span class=\"_ _1\"></span>dir<span class=\"_ _1\"></span>egulering som skyldes endring i basis spr<span class=\"_ _1\"></span>ead kn<span class=\"_ _1\"></span>ytt<span class=\"_ _1\"></span>e<span class=\"_ _1\"></span>t til sikringsinstrumen<span class=\"_ _1\"></span>tene som pr<span class=\"_ _1\"></span>esen<span class=\"_ _1\"></span>t<span class=\"_ _1\"></span>ere<span class=\"_ _1\"></span>s i utvidet r<span class=\"_ _1\"></span>esulta<span class=\"_ _1\"></span>t.</span><span style=\"display:inherit;clear:left;\">Sikringsinstrumen<span class=\"_ _1\"></span>tene vur<span class=\"_ _1\"></span>der<span class=\"_ _1\"></span>es til virk<span class=\"_ _1\"></span>elig v<span class=\"_ _1\"></span>erdi og v<span class=\"_ _1\"></span>er<span class=\"_ _1\"></span>diendring<span class=\"_ _1\"></span>er inng\u00e5r i \u00abNe<span class=\"_ _1\"></span>tt<span class=\"_ _1\"></span>o ge<span class=\"_ _1\"></span>vinst/(tap) p\u00e5 finansielle ins<span class=\"_ _1\"></span>trument<span class=\"_ _1\"></span>er\u00bb i r<span class=\"_ _1\"></span>esulta<span class=\"_ _1\"></span>-</span><span style=\"display:inherit;clear:left;\">te<span class=\"_ _1\"></span>t. V<span class=\"_ _1\"></span>er<span class=\"_ _1\"></span>diendring<span class=\"_ _1\"></span>er knyt<span class=\"_ _1\"></span>te<span class=\"_ _1\"></span>t til sikr<span class=\"_ _1\"></span>ede risikoer p\u00e5 sikringsobjekt<span class=\"_ _1\"></span>ene inng\u00e5r i samme r<span class=\"_ _1\"></span>egnskapslinje. Ne<span class=\"_ _1\"></span>tt<span class=\"_ _1\"></span>o r<span class=\"_ _1\"></span>en<span class=\"_ _1\"></span>te p\u00e5 sikringsins<span class=\"_ _1\"></span>trumen-</span><span style=\"display:inherit;clear:left;\">tene pr<span class=\"_ _1\"></span>esen<span class=\"_ _1\"></span>ter<span class=\"_ _1\"></span>es p\u00e5 samme r<span class=\"_ _1\"></span>egnskapslinje som tilh\u00f8r<span class=\"_ _1\"></span>ende sikringsobjekt.   <span class=\"_ _a8\"> </span> <span class=\"_ _17\"> </span> </span><span style=\"display:inherit;clear:left;\">Sikrings-</span><span style=\"display:inherit;clear:left;\">instrumen<span class=\"_ _1\"></span>t </span><span style=\"display:inherit;clear:left;\">Sikringsobjekt </span><span style=\"display:inherit;clear:left;\">Ineff<span class=\"_ _1\"></span>ektivit<span class=\"_ _1\"></span>e<span class=\"_ _1\"></span>t </span><span style=\"display:inherit;clear:left;\">Sta<span class=\"_ _1\"></span>tus pr<span class=\"_ _0\"></span>. 31/12<span class=\"_ _1\"></span>-2<span class=\"_ _1\"></span>02<span class=\"_ _1\"></span>3</span><span style=\"display:inherit;clear:left;\">p\u00e5ly<span class=\"_ _1\"></span>dende</span><span style=\"display:inherit;clear:left;\">p\u00e5ly<span class=\"_ _1\"></span>dende</span><span style=\"display:inherit;clear:left;\">p\u00e5ly<span class=\"_ _1\"></span>dende</span><span style=\"display:inherit;clear:left;\">Innl\u00e5n til f<span class=\"_ _1\"></span>ast r<span class=\"_ _1\"></span>en<span class=\"_ _1\"></span>te:</span><span style=\"display:inherit;clear:left;\">Rent<span class=\"_ _1\"></span>e-sw<span class=\"_ _1\"></span>apper</span><span style=\"display:inherit;clear:left;\">P<span class=\"_ _1\"></span>\u00e5lydende NOK<span class=\"_ _28e\"> </span><span class=\"ls31 ws81\">3 75<span class=\"_ _8\"></span>0<span class=\"_ _64\"> </span>3<span class=\"_ _8\"></span> 750<span class=\"_ _ec\"> </span></span>0</span><span style=\"display:inherit;clear:left;\">Innl\u00e5n i v<span class=\"_ _1\"></span>aluta til f<span class=\"_ _1\"></span>ast r<span class=\"_ _1\"></span>en<span class=\"_ _1\"></span>te r<span class=\"_ _1\"></span>en<span class=\"_ _1\"></span>tesikr<span class=\"_ _1\"></span>e<span class=\"_ _1\"></span>t</span><span style=\"display:inherit;clear:left;\">Rent<span class=\"_ _1\"></span>e-sw<span class=\"_ _1\"></span>apper</span><span style=\"display:inherit;clear:left;\">P<span class=\"_ _1\"></span>\u00e5lydende EUR<span class=\"_ _28f\"> </span><span class=\"ls125 ws1cf\">200<span class=\"_ _e6\"> </span>20<span class=\"_ _8\"></span>0<span class=\"_ _ec\"> </span></span>0</span><span style=\"display:inherit;clear:left;\">Rent<span class=\"_ _1\"></span>e- og <span class=\"_ _4\"></span> </span><span style=\"display:inherit;clear:left;\">Innl\u00e5n i v<span class=\"_ _1\"></span>aluta til f<span class=\"_ _1\"></span>ast r<span class=\"_ _1\"></span>en<span class=\"_ _1\"></span>te r<span class=\"_ _1\"></span>en<span class=\"_ _1\"></span>te- og v<span class=\"_ _2\"></span>alutasikret</span><span style=\"display:inherit;clear:left;\">v<span class=\"_ _1\"></span>aluta<span class=\"_ _1\"></span>-sw<span class=\"_ _1\"></span>apper</span><span style=\"display:inherit;clear:left;\">P<span class=\"_ _1\"></span>\u00e5lydende EUR<span class=\"_ _290\"> </span>1 300<span class=\"_ _121\"> </span>1 300<span class=\"_ _ed\"> </span>0</span><span style=\"display:inherit;clear:left;\">Sikrings-</span><span style=\"display:inherit;clear:left;\">instrumen<span class=\"_ _1\"></span>t </span><span style=\"display:inherit;clear:left;\">Sikringsobjekt </span><span style=\"display:inherit;clear:left;\">Resulta<span class=\"_ _1\"></span>tf<span class=\"_ _1\"></span>\u00f8rt </span><span style=\"display:inherit;clear:left;\">p\u00e5ly<span class=\"_ _1\"></span>dende</span><span style=\"display:inherit;clear:left;\">balansev<span class=\"_ _1\"></span>er<span class=\"_ _1\"></span>di</span><span style=\"display:inherit;clear:left;\">ineff<span class=\"_ _1\"></span>ektivit<span class=\"_ _1\"></span>e<span class=\"_ _1\"></span>t</span><span style=\"display:inherit;clear:left;\">Bokf\u00f8rt v<span class=\"_ _1\"></span>er<span class=\"_ _1\"></span>di eiendeler<span class=\"_ _291\"> </span>1 944</span><span style=\"display:inherit;clear:left;\">Bokf\u00f8rt v<span class=\"_ _1\"></span>er<span class=\"_ _1\"></span>di gjeld<span class=\"_ _292\"> </span><span class=\"ls61 wsb5\">372<span class=\"_ _13\"> </span></span>20 5<span class=\"_ _1\"></span>77</span><span style=\"display:inherit;clear:left;\">Akkumulerte v<span class=\"_ _1\"></span>er<span class=\"_ _1\"></span>diendringer utg<span class=\"_ _1\"></span>\u00e5ende balanse<span class=\"_ _1cc\"> </span><span class=\"lsf6 ws158\">1<span class=\"_ _8\"></span> 602<span class=\"_ _23f\"> </span><span class=\"ls6 ws6\">-1<span class=\"_ _a\"></span> 497</span></span></span><span style=\"display:inherit;clear:left;\">Akkumulerte v<span class=\"_ _1\"></span>er<span class=\"_ _1\"></span>diendringer inng<span class=\"_ _1\"></span>\u00e5ende balanse<span class=\"_ _15b\"> </span>1 150<span class=\"_ _169\"> </span>-<span class=\"_ _1\"></span>1 17<span class=\"_ _1\"></span>2</span><span style=\"display:inherit;clear:left;\">Endringer i virk<span class=\"_ _1\"></span>elig ver<span class=\"_ _1\"></span>di<span class=\"_ _1d4\"> </span></span><span style=\"display:inherit;clear:left;\">452<span class=\"_ _69\"> </span><span class=\"ls4a ws9d\">-3<span class=\"_ _8\"></span>24<span class=\"_ _42\"> </span><span class=\"ls13 ws13\">1<span class=\"_ _8\"></span>27</span></span></span><span style=\"display:inherit;clear:left;\">V<span class=\"_ _2\"></span>alutaeff<span class=\"_ _1\"></span>ekter<span class=\"_ _19b\"> </span><span class=\"ls6 ws6\">-1<span class=\"_ _8\"></span>41</span></span><span style=\"display:inherit;clear:left;\">Regnskapsf<span class=\"_ _1\"></span>\u00f8rt ine<span class=\"_ _1\"></span>ff<span class=\"_ _1\"></span>ektivite<span class=\"_ _1\"></span>t v<span class=\"_ _1\"></span>ed oppl\u00f8sning a<span class=\"_ _1\"></span>v sikring<span class=\"_ _160\"> </span><span class=\"ls6 ws6\">-1</span></span><span style=\"display:inherit;clear:left;\">T<span class=\"_ _0\"></span>otalt<span class=\"_ _293\"> </span><span class=\"ls16 ws16\">-1<span class=\"_ _8\"></span>5</span></span><span style=\"display:inherit;clear:left;\">Ineff<span class=\"_ _1\"></span>ektivit<span class=\"_ _1\"></span>et f<span class=\"_ _2\"></span>\u00f8r<span class=\"_ _8\"></span>t ov<span class=\"_ _1\"></span>er or<span class=\"_ _1\"></span>din\u00e6rt r<span class=\"_ _1\"></span>esulta<span class=\"_ _1\"></span>t (g<span class=\"_ _1\"></span>evins<span class=\"_ _1\"></span>t/tap finansielle instrumen<span class=\"_ _1\"></span>ter)<span class=\"_ _294\"> </span><span class=\"ls6 ws6\">-1<span class=\"_ _8\"></span>0</span></span><span style=\"display:inherit;clear:left;\">V<span class=\"_ _2\"></span>erdiendringer f<span class=\"_ _1\"></span>\u00f8rt ov<span class=\"_ _1\"></span>er utvide<span class=\"_ _1\"></span>t r<span class=\"_ _1\"></span>esulta<span class=\"_ _1\"></span>tr<span class=\"_ _1\"></span>egnskap (basismar<span class=\"_ _1\"></span>gin)<span class=\"_ _1ba\"> </span><span class=\"ls120 ws1cb\">-5</span></span><span style=\"display:inherit;clear:left;\">T<span class=\"_ _0\"></span>otalt<span class=\"_ _293\"> </span><span class=\"ls16 ws16\">-1<span class=\"_ _8\"></span>5</span></span><span style=\"display:inherit;clear:left;\">Sikrings-</span><span style=\"display:inherit;clear:left;\">instrumen<span class=\"_ _1\"></span>t </span><span style=\"display:inherit;clear:left;\">Sikringsobjekt </span><span style=\"display:inherit;clear:left;\">Ineff<span class=\"_ _1\"></span>ektivit<span class=\"_ _1\"></span>e<span class=\"_ _1\"></span>t </span><span style=\"display:inherit;clear:left;\">Sta<span class=\"_ _1\"></span>tus pr<span class=\"_ _0\"></span>. 31/12<span class=\"_ _1\"></span>-2<span class=\"_ _1\"></span>022</span><span style=\"display:inherit;clear:left;\">p\u00e5ly<span class=\"_ _1\"></span>dende</span><span style=\"display:inherit;clear:left;\">p\u00e5ly<span class=\"_ _1\"></span>dende</span><span style=\"display:inherit;clear:left;\">p\u00e5ly<span class=\"_ _1\"></span>dende</span><span style=\"display:inherit;clear:left;\">Innl\u00e5n til f<span class=\"_ _1\"></span>ast r<span class=\"_ _1\"></span>en<span class=\"_ _1\"></span>te:</span><span style=\"display:inherit;clear:left;\">Rent<span class=\"_ _1\"></span>e-sw<span class=\"_ _1\"></span>apper</span><span style=\"display:inherit;clear:left;\">P<span class=\"_ _1\"></span>\u00e5lydende NOK<span class=\"_ _28e\"> </span><span class=\"ls31 ws81\">3 75<span class=\"_ _8\"></span>0<span class=\"_ _64\"> </span>3<span class=\"_ _8\"></span> 750<span class=\"_ _ec\"> </span></span>0</span><span style=\"display:inherit;clear:left;\">Rent<span class=\"_ _1\"></span>e- og <span class=\"_ _4\"></span> </span><span style=\"display:inherit;clear:left;\">Innl\u00e5n i v<span class=\"_ _1\"></span>aluta til f<span class=\"_ _1\"></span>ast r<span class=\"_ _1\"></span>en<span class=\"_ _1\"></span>te</span><span style=\"display:inherit;clear:left;\">v<span class=\"_ _1\"></span>aluta<span class=\"_ _1\"></span>-sw<span class=\"_ _1\"></span>apper</span><span style=\"display:inherit;clear:left;\">P<span class=\"_ _1\"></span>\u00e5lydende EUR<span class=\"_ _295\"> </span>1 510<span class=\"_ _10d\"> </span>1 510<span class=\"_ _ed\"> </span>0</span><span style=\"display:inherit;clear:left;\">Sikrings-</span><span style=\"display:inherit;clear:left;\">instrumen<span class=\"_ _1\"></span>t </span><span style=\"display:inherit;clear:left;\">Sikringsobjekt </span><span style=\"display:inherit;clear:left;\">Resulta<span class=\"_ _1\"></span>tf<span class=\"_ _1\"></span>\u00f8rt </span><span style=\"display:inherit;clear:left;\">p\u00e5ly<span class=\"_ _1\"></span>dende</span><span style=\"display:inherit;clear:left;\">balansev<span class=\"_ _1\"></span>er<span class=\"_ _1\"></span>di</span><span style=\"display:inherit;clear:left;\">ineff<span class=\"_ _1\"></span>ektivit<span class=\"_ _1\"></span>e<span class=\"_ _1\"></span>t</span><span style=\"display:inherit;clear:left;\">Bokf\u00f8rt v<span class=\"_ _1\"></span>er<span class=\"_ _1\"></span>di eiendeler<span class=\"_ _1e0\"> </span>1 296</span><span style=\"display:inherit;clear:left;\">Bokf\u00f8rt v<span class=\"_ _1\"></span>er<span class=\"_ _1\"></span>di gjeld<span class=\"_ _167\"> </span><span class=\"ls12c ws1d6\">130<span class=\"_ _63\"> </span></span>19 09<span class=\"_ _1\"></span>3</span><span style=\"display:inherit;clear:left;\">Akkumulerte v<span class=\"_ _1\"></span>er<span class=\"_ _1\"></span>diendringer utg<span class=\"_ _1\"></span>\u00e5ende balanse<span class=\"_ _148\"> </span>1 150<span class=\"_ _169\"> </span>-<span class=\"_ _1\"></span>1 17<span class=\"_ _1\"></span>2</span><span style=\"display:inherit;clear:left;\">Akkumulerte v<span class=\"_ _1\"></span>er<span class=\"_ _1\"></span>diendringer inng<span class=\"_ _1\"></span>\u00e5ende balanse<span class=\"_ _296\"> </span><span class=\"ls131 ws1dd\">2<span class=\"_ _8\"></span> 0<span class=\"_ _8\"></span>41<span class=\"_ _b1\"> </span></span>-2 116</span><span style=\"display:inherit;clear:left;\">Endringer i virk<span class=\"_ _1\"></span>elig ver<span class=\"_ _1\"></span>di<span class=\"_ _1e0\"> </span></span><span style=\"display:inherit;clear:left;\">-<span class=\"_ _8\"></span>891<span class=\"_ _e6\"> </span><span class=\"ls108 ws16a\">94<span class=\"_ _8\"></span>3<span class=\"_ _2d\"> </span><span class=\"ls138 ws1e5\">52</span></span></span><span style=\"display:inherit;clear:left;\">Regnskapsf<span class=\"_ _1\"></span>\u00f8rt ine<span class=\"_ _1\"></span>ff<span class=\"_ _1\"></span>ektivite<span class=\"_ _1\"></span>t v<span class=\"_ _1\"></span>ed oppl\u00f8sning a<span class=\"_ _1\"></span>v sikring<span class=\"_ _297\"> </span>0</span><span style=\"display:inherit;clear:left;\">T<span class=\"_ _0\"></span>otalt<span class=\"_ _298\"> </span><span class=\"ls8 ws8\">52</span></span><span style=\"display:inherit;clear:left;\">Ineff<span class=\"_ _1\"></span>ektivit<span class=\"_ _1\"></span>et f<span class=\"_ _2\"></span>\u00f8r<span class=\"_ _8\"></span>t ov<span class=\"_ _1\"></span>er or<span class=\"_ _1\"></span>din\u00e6rt r<span class=\"_ _1\"></span>esulta<span class=\"_ _1\"></span>t (g<span class=\"_ _1\"></span>evins<span class=\"_ _1\"></span>t/tap finansielle instrumen<span class=\"_ _1\"></span>ter)<span class=\"_ _14e\"> </span>1</span><span style=\"display:inherit;clear:left;\">V<span class=\"_ _2\"></span>erdiendringer f<span class=\"_ _1\"></span>\u00f8rt ov<span class=\"_ _1\"></span>er utvide<span class=\"_ _1\"></span>t r<span class=\"_ _1\"></span>esulta<span class=\"_ _1\"></span>tr<span class=\"_ _1\"></span>egnskap (basismar<span class=\"_ _1\"></span>gin)<span class=\"_ _279\"> </span><span class=\"ls138 ws1e5\">52</span></span><span style=\"display:inherit;clear:left;\">T<span class=\"_ _0\"></span>otalt<span class=\"_ _298\"> </span><span class=\"ls8 ws8\">52</span></span><span style=\"display:inherit;clear:left;\">Selskapet<span class=\"_ _1\"></span>s sikringsrelasjoner b<span class=\"_ _1\"></span>y<span class=\"_ _2\"></span><span class=\"ls14d ws1fd\">gg<span class=\"ls0 ws0\">er p\u00e5 r<span class=\"_ _1\"></span>ef<span class=\"_ _1\"></span>er<span class=\"_ _1\"></span>anser<span class=\"_ _1\"></span>en<span class=\"_ _1\"></span>ten NIBOR. De<span class=\"_ _1\"></span>t p\u00e5g\u00e5r e<span class=\"_ _1\"></span>t arbeid med r<span class=\"_ _1\"></span>ef<span class=\"_ _1\"></span>ormering a<span class=\"_ _2\"></span>v ref<span class=\"_ _1\"></span>er<span class=\"_ _1\"></span>anser<span class=\"_ _1\"></span>en<span class=\"_ _1\"></span>ter<span class=\"_ _0\"></span>, herunder </span></span></span><span style=\"display:inherit;clear:left;\">NIBOR-r<span class=\"_ _1\"></span>ent<span class=\"_ _1\"></span>en. Selskape<span class=\"_ _1\"></span>t Norsk<span class=\"_ _1\"></span>e Finansielle Ref<span class=\"_ _1\"></span>er<span class=\"_ _1\"></span>anser AS vil vider<span class=\"_ _1\"></span>e<span class=\"_ _1\"></span>f<span class=\"_ _1\"></span>\u00f8r<span class=\"_ _1\"></span>e NIBOR, forut<span class=\"_ _1\"></span>sa<span class=\"_ _1\"></span>tt a<span class=\"_ _1\"></span>t de mo<span class=\"_ _1\"></span>ttar kv<span class=\"_ _1\"></span>o<span class=\"_ _1\"></span>tering<span class=\"_ _1\"></span>er a<span class=\"_ _1\"></span>v NIBOR </span><span style=\"display:inherit;clear:left;\">fra panelbank<span class=\"_ _1\"></span>ene. Spar<span class=\"_ _1\"></span>ebanken V<span class=\"_ _2\"></span>est vur<span class=\"_ _1\"></span>der<span class=\"_ _1\"></span>er de<span class=\"_ _1\"></span>t som sannsynlig a<span class=\"_ _1\"></span>t NIBOR vil oppr<span class=\"_ _1\"></span>e<span class=\"_ _1\"></span>ttholdes ut r<span class=\"_ _1\"></span>es<span class=\"_ _1\"></span>ter<span class=\"_ _1\"></span>ende le<span class=\"_ _1\"></span>ve<span class=\"_ _1\"></span>tid p\u00e5 bank<span class=\"_ _1\"></span>ens </span><span style=\"display:inherit;clear:left;\">eksist<span class=\"_ _1\"></span>er<span class=\"_ _1\"></span>ende sikringsr<span class=\"_ _1\"></span>elasjoner<span class=\"_ _0\"></span>.</span><span style=\"display:inherit;clear:left;\">Note 26<span class=\"_ _8\"></span> A<span class=\"_ _8\"></span>ksjer</span><span style=\"display:inherit;clear:left;\">Aksjebeholdningen m\u00e5les<span class=\"_ _1\"></span> til virk<span class=\"_ _1\"></span>elig ver<span class=\"_ _1\"></span>di o<span class=\"_ _1\"></span>ver<span class=\"_ _1\"></span> resulta<span class=\"_ _1\"></span>t. Not<span class=\"_ _1\"></span>en viser<span class=\"_ _1\"></span> tall for<span class=\"_ _1\"></span> konsern.</span><span style=\"display:inherit;clear:left;\">Kos<span class=\"_ _1\"></span>tpris<span class=\"_ _10a\"> </span>31/12<span class=\"_ _1\"></span>-2<span class=\"_ _1\"></span>3<span class=\"_ _10a\"> </span>31/12<span class=\"_ _1\"></span>-22</span><span style=\"display:inherit;clear:left;\">Aksjer vur<span class=\"_ _1\"></span>dert til virk<span class=\"_ _1\"></span>elig ver<span class=\"_ _1\"></span>di o<span class=\"_ _1\"></span>ver<span class=\"_ _1\"></span> resulta<span class=\"_ _1\"></span>tet<span class=\"_ _1\"></span> er inndelt<span class=\"_ _1\"></span> i f\u00f8lg<span class=\"_ _1\"></span>ende portef\u00f8ljer</span><span style=\"display:inherit;clear:left;\">Virkelig v<span class=\"_ _1\"></span>er<span class=\"_ _1\"></span>di o<span class=\"_ _1\"></span>ver r<span class=\"_ _1\"></span>esulta<span class=\"_ _2\"></span>t<span class=\"_ _278\"> </span></span><span style=\"display:inherit;clear:left;\">5<span class=\"_ _8\"></span>42<span class=\"_ _75\"> </span><span class=\"ls82 ws14b\">560<span class=\"_ _91\"> </span><span class=\"ls125 ws1cf\">2<span class=\"_ _8\"></span>26</span></span></span><span style=\"display:inherit;clear:left;\">Aksjer vur<span class=\"_ _1\"></span>dert til virk<span class=\"_ _1\"></span>elig v<span class=\"_ _1\"></span>er<span class=\"_ _1\"></span>di ov<span class=\"_ _1\"></span>er r<span class=\"_ _1\"></span>esult<span class=\"_ _1\"></span>a<span class=\"_ _1\"></span>te<span class=\"_ _1\"></span>t<span class=\"_ _139\"> </span><span class=\"ls82 ws14b\">560<span class=\"_ _75\"> </span><span class=\"lsf6 ws158\">226</span></span></span><span style=\"display:inherit;clear:left;\">V<span class=\"_ _2\"></span>erdset<span class=\"_ _1\"></span>telsesme<span class=\"_ _1\"></span>tode</span><span style=\"display:inherit;clear:left;\">B\u00f8rsno<span class=\"_ _1\"></span>terte<span class=\"_ _299\"> </span><span class=\"ls139 ws1e6\">386<span class=\"_ _a1\"> </span></span>44</span><span style=\"display:inherit;clear:left;\">Aksjer vur<span class=\"_ _1\"></span>dert ut fra O<span class=\"_ _2\"></span>TC list<span class=\"_ _1\"></span>en<span class=\"_ _256\"> </span>0<span class=\"_ _13\"> </span>0</span><span style=\"display:inherit;clear:left;\">1)</span><span style=\"display:inherit;clear:left;\">Selskapenes egen vur<span class=\"_ _1\"></span>dering e<span class=\"_ _1\"></span>tt<span class=\"_ _1\"></span>er EVC<span class=\"_ _1\"></span>A </span><span style=\"display:inherit;clear:left;\">43<span class=\"_ _118\"> </span><span class=\"ls139 ws1e6\">51</span></span><span style=\"display:inherit;clear:left;\">2)</span><span style=\"display:inherit;clear:left;\">Aksjer vur<span class=\"_ _1\"></span>dert ut fra andr<span class=\"_ _1\"></span>e v<span class=\"_ _1\"></span>er<span class=\"_ _1\"></span>dse<span class=\"_ _1\"></span>tt<span class=\"_ _1\"></span>elsest<span class=\"_ _1\"></span>eknikker </span><span style=\"display:inherit;clear:left;\">131<span class=\"_ _66\"> </span><span class=\"ls125 ws1cf\">132</span></span><span style=\"display:inherit;clear:left;\">Aksjer vur<span class=\"_ _1\"></span>dert til virk<span class=\"_ _1\"></span>elig v<span class=\"_ _1\"></span>er<span class=\"_ _1\"></span>di ov<span class=\"_ _1\"></span>er r<span class=\"_ _1\"></span>esult<span class=\"_ _1\"></span>a<span class=\"_ _1\"></span>te<span class=\"_ _1\"></span>t<span class=\"_ _139\"> </span><span class=\"ls82 ws14b\">560<span class=\"_ _75\"> </span><span class=\"lsf6 ws158\">226</span></span></span><span style=\"display:inherit;clear:left;\">1)</span><span style=\"display:inherit;clear:left;\">  <span class=\"_ _4\"></span>Bankens inv<span class=\"_ _1\"></span>esteringe<span class=\"_ _1\"></span>r i v<span class=\"_ _1\"></span>entur<span class=\"_ _1\"></span>e-<span class=\"_ _1\"></span>ak<span class=\"_ _1\"></span>sjer er i<span class=\"_ _1\"></span> hov<span class=\"_ _1\"></span>edsak f<span class=\"_ _1\"></span>ondsinv<span class=\"_ _1\"></span>esteringer<span class=\"_ _1\"></span> (eller<span class=\"_ _1\"></span> deltakelse<span class=\"_ _1\"></span> i in<span class=\"_ _1\"></span>vestering<span class=\"_ _1\"></span>sselskap)<span class=\"_ _1\"></span>. Enk<span class=\"_ _1\"></span>elte<span class=\"_ _1\"></span> a<span class=\"_ _1\"></span>v </span><span style=\"display:inherit;clear:left;\">fondene/<span class=\"_ _1\"></span>selskapene<span class=\"_ _1\"></span> utarbeider selv prisvur<span class=\"_ _1\"></span>deringer<span class=\"_ _1\"></span> p\u00e5 grunnlag a<span class=\"_ _1\"></span>v underliggende portef\u00f8lje<span class=\"_ _1\"></span>ver<span class=\"_ _1\"></span>di, som ben<span class=\"_ _1\"></span>yttes ved </span><span style=\"display:inherit;clear:left;\">verdse<span class=\"_ _1\"></span>ttelse.</span><span style=\"display:inherit;clear:left;\">2)</span><span style=\"display:inherit;clear:left;\"> V<span class=\"_ _1\"></span>erdivur<span class=\"_ _1\"></span>deringer<span class=\"_ _1\"></span> by<span class=\"_ _1\"></span>g<span class=\"_ _8\"></span>ger<span class=\"_ _1\"></span> p\u00e5 sist<span class=\"_ _1\"></span>e emisjonskur<span class=\"_ _1\"></span>s, omsetnings<span class=\"_ _1\"></span>ver<span class=\"_ _1\"></span>dier vi har<span class=\"_ _1\"></span> kunnskap<span class=\"_ _1\"></span> om og/eller<span class=\"_ _1\"></span> tilg<span class=\"_ _8\"></span>jengelig regnskapsin<span class=\"_ _1\"></span>formasjon<span class=\"_ _1\"></span> </span><span style=\"display:inherit;clear:left;\">der<span class=\"_ _8\"></span>som ik<span class=\"_ _8\"></span>ke oms<span class=\"_ _8\"></span>etni<span class=\"_ _8\"></span>ng har f<span class=\"_ _8\"></span>unnet s<span class=\"_ _8\"></span>ted. \u00c5<span class=\"_ _8\"></span>pe<span class=\"_ _8\"></span>nba<span class=\"_ _8\"></span>re mer<span class=\"_ _8\"></span>verdi<span class=\"_ _8\"></span>er ta<span class=\"_ _8\"></span>s inn s<span class=\"_ _8\"></span>om verdi<span class=\"_ _8\"></span>juste<span class=\"_ _8\"></span>rin<span class=\"_ _8\"></span>g, me<span class=\"_ _8\"></span>ns min<span class=\"_ _8\"></span>dre po<span class=\"_ _8\"></span>ster f\u00f8<span class=\"_ _8\"></span>lges i d<span class=\"_ _8\"></span>en g<span class=\"_ _8\"></span>rad det </span><span style=\"display:inherit;clear:left;\">er behov<span class=\"_ _1\"></span> for<span class=\"_ _1\"></span> nedskrivning.</span><span style=\"display:inherit;clear:left;\">Konsernet<span class=\"_ _1\"></span> har k<span class=\"_ _1\"></span>ommitert seg f<span class=\"_ _1\"></span>or ytterliger<span class=\"_ _1\"></span>e innbetaling a<span class=\"_ _1\"></span>v<span class=\"_ _1\"></span> egenkapital kn<span class=\"_ _1\"></span>yttet til<span class=\"_ _1\"></span> f\u00f8lgende<span class=\"_ _1\"></span> ordin\u00e6r<span class=\"_ _1\"></span>e aksjer<span class=\"_ _1\"></span>ammer og<span class=\"_ _1\"></span> </span><span style=\"display:inherit;clear:left;\">vent<span class=\"_ _1\"></span>urein<span class=\"_ _1\"></span>vesteri<span class=\"_ _1\"></span>nger per 3<span class=\"_ _1\"></span>1. desember 202<span class=\"_ _1\"></span>3:<span class=\"_ _1\"></span> <span class=\"_ _c8\"> </span> <span class=\"_ _74\"> </span> <span class=\"_ _18\"> </span> <span class=\"_ _17\"> </span> <span class=\"_ _17\"> </span> </span><span style=\"display:inherit;clear:left;\">Kommit<span class=\"_ _1\"></span>erte bel\u00f8p kn<span class=\"_ _1\"></span>ytt<span class=\"_ _1\"></span>e<span class=\"_ _1\"></span>t til aksjein<span class=\"_ _1\"></span>v<span class=\"_ _1\"></span>est<span class=\"_ _1\"></span>ering<span class=\"_ _1\"></span>er<span class=\"_ _15e\"> </span>Komm. bel\u00f8p<span class=\"_ _a5\"> </span>Innbetalt</span><span style=\"display:inherit;clear:left;\">Sar<span class=\"_ _8\"></span>sia Se<span class=\"_ _8\"></span>ed Fond I<span class=\"_ _8\"></span>I AS<span class=\"_ _1ad\"> </span><span class=\"ls82 ws14b\">50<span class=\"_ _a2\"> </span><span class=\"ls120 ws1cb\">34</span></span></span><span style=\"display:inherit;clear:left;\">Kommit<span class=\"_ _1\"></span>ert bel\u00f8p knyt<span class=\"_ _1\"></span>te<span class=\"_ _1\"></span>t til aksjeinv<span class=\"_ _1\"></span>es<span class=\"_ _1\"></span>tering<span class=\"_ _1\"></span>er per 31. desember 2<span class=\"_ _1\"></span>0<span class=\"_ _1\"></span>22 utgjor<span class=\"_ _1\"></span>de 64 millioner kroner<span class=\"_ _0\"></span>, hv<span class=\"_ _1\"></span>or<span class=\"_ _1\"></span>a<span class=\"_ _1\"></span>v 38 millioner kr<span class=\"_ _1\"></span>oner v<span class=\"_ _1\"></span>ar </span><span style=\"display:inherit;clear:left;\">innbetalt.</span><span style=\"display:inherit;clear:left;\">Sp<span class=\"_ _8\"></span>esifi<span class=\"_ _8\"></span>ka<span class=\"_ _8\"></span>sjon av ak<span class=\"_ _8\"></span>sjer o<span class=\"_ _8\"></span>g and<span class=\"_ _8\"></span>el<span class=\"_ _8\"></span>er pr<span class=\"_ _1\"></span>. 31/12-<span class=\"_ _1\"></span>2023</span><span style=\"display:inherit;clear:left;\">Balansef<span class=\"_ _1\"></span>\u00f8rt v<span class=\"_ _1\"></span>er<span class=\"_ _1\"></span>di i tusen kroner<span class=\"_ _35\"> </span><span class=\"ff1\">Antall aksjer<span class=\"_ _c4\"> </span>Eierandel i pr<span class=\"_ _1\"></span>osen<span class=\"_ _1\"></span>t<span class=\"_ _6f\"> </span>Balanse<span class=\"_ _1\"></span>v<span class=\"_ _1\"></span>er<span class=\"_ _1\"></span>di</span></span><span style=\"display:inherit;clear:left;\">Berg<span class=\"_ _1\"></span>ensa<span class=\"_ _1\"></span>visen Konsern A<span class=\"_ _1\"></span>S<span class=\"_ _29a\"> </span>315 840<span class=\"_ _41\"> </span><span class=\"ls109 ws16b\">9,8<span class=\"_ _8\"></span> %<span class=\"_ _e6\"> </span></span>7 896</span><span style=\"display:inherit;clear:left;\">Eksportfinans ASA<span class=\"_ _279\"> </span>2 638<span class=\"_ _2f\"> </span>1,0 %<span class=\"_ _64\"> </span><span class=\"ls125 ws1cf\">60<span class=\"_ _8\"></span> 298</span></span><span style=\"display:inherit;clear:left;\">Sandnes Sparebank<span class=\"_ _29b\"> </span>3<span class=\"_ _1\"></span>7<span class=\"_ _1\"></span>0 65<span class=\"_ _1\"></span>9<span class=\"_ _ca\"> </span>1,6 %<span class=\"_ _c8\"> </span>33 915</span><span style=\"display:inherit;clear:left;\">Sarsia Seed AS<span class=\"_ _1a3\"> </span>50 22<span class=\"_ _1\"></span>4<span class=\"_ _10f\"> </span><span class=\"ls109 ws16b\">10,0<span class=\"_ _8\"></span> %<span class=\"_ _43\"> </span></span>13 043</span><span style=\"display:inherit;clear:left;\">Sarsia Seed F<span class=\"_ _2\"></span>ond II AS<span class=\"_ _101\"> </span><span class=\"ls82 ws14b\">39 999 999<span class=\"_ _67\"> </span></span>13,<span class=\"_ _1\"></span>4 %<span class=\"_ _21e\"> </span><span class=\"ls137 ws1e4\">27<span class=\"_ _8\"></span> 72<span class=\"_ _8\"></span>0</span></span><span style=\"display:inherit;clear:left;\">Sparebank<span class=\"_ _1\"></span>en S\u00f8r<span class=\"_ _29b\"> </span>2 400 000<span class=\"_ _41\"> </span><span class=\"ls139 ws1e6\">5,8 %<span class=\"_ _99\"> </span><span class=\"ls120 ws1cb\">345 600</span></span></span><span style=\"display:inherit;clear:left;\">Visa Norg<span class=\"_ _1\"></span>e AS<span class=\"_ _29c\"> </span><span class=\"ls84 wsdf\">3,8<span class=\"_ _8\"></span> %<span class=\"_ _110\"> </span></span>3<span class=\"_ _1\"></span>0 654</span><span style=\"display:inherit;clear:left;\">Andre selsk<span class=\"_ _1\"></span>aper<span class=\"_ _29d\"> </span><span class=\"ls138 ws1e5\">40<span class=\"_ _8\"></span> 982</span></span><span style=\"display:inherit;clear:left;\">Sum inv<span class=\"_ _1\"></span>es<span class=\"_ _1\"></span>tering<span class=\"_ _1\"></span>er i aksjer o<span class=\"_ _1\"></span>g andeler<span class=\"_ _287\"> </span>56<span class=\"_ _1\"></span>0 109</span><span style=\"display:inherit;clear:left;\">Note 3<span class=\"_ _8\"></span>7 Mot<span class=\"_ _8\"></span>reg<span class=\"_ _8\"></span>n<span class=\"_ _8\"></span>i<span class=\"_ _8\"></span>ng</span><span style=\"display:inherit;clear:left;\">Mo<span class=\"_ _8\"></span>rban<span class=\"_ _8\"></span>k<span class=\"ls0 ws0\"> </span></span><span style=\"display:inherit;clear:left;\">Som f\u00f8lg<span class=\"_ _1\"></span>e a<span class=\"_ _1\"></span>v inng\u00e5<span class=\"_ _1\"></span>tte ISD<span class=\"_ _1\"></span>A<span class=\"_ _1\"></span>- og<span class=\"_ _1\"></span> CSA<span class=\"_ _1\"></span>-<span class=\"_ _1\"></span>a<span class=\"_ _1\"></span>vtaler mellom morbanken og<span class=\"_ _1\"></span> finansielle mo<span class=\"_ _1\"></span>tparter vedr<span class=\"_ _1\"></span>\u00f8rende<span class=\"_ _1\"></span> deriva<span class=\"_ _1\"></span>tforre<span class=\"_ _1\"></span>tninger<span class=\"_ _0\"></span>, oppn\u00e5s </span><span style=\"display:inherit;clear:left;\">motregnings<span class=\"_ _1\"></span>rett mo<span class=\"_ _1\"></span>t colla<span class=\"_ _1\"></span>ter<span class=\"_ _1\"></span>al dersom<span class=\"_ _1\"></span> motparten misligholder forpliktelsene.<span class=\"_ _1\"></span>  <span class=\"ls0 ws0\"> </span></span><span style=\"display:inherit;clear:left;\">Sp<span class=\"_ _8\"></span>areb<span class=\"_ _8\"></span>anken Vest Bo<span class=\"_ _8\"></span>li<span class=\"_ _8\"></span>gkre<span class=\"_ _8\"></span>dit<span class=\"_ _1\"></span>t AS<span class=\"ls0 ws0\"> </span></span><span style=\"display:inherit;clear:left;\">Sparebank<span class=\"_ _1\"></span>en V<span class=\"_ _1\"></span>est<span class=\"_ _1\"></span> Boligkreditt benytter bila<span class=\"_ _1\"></span>tera<span class=\"_ _1\"></span>le ISDA/CSA<span class=\"_ _2\"></span>-avtaler med ek<span class=\"_ _1\"></span>sterne mo<span class=\"_ _1\"></span>tparter eller morbank<span class=\"_ _1\"></span>en v<span class=\"_ _1\"></span>ed inng\u00e5else<span class=\"_ _1\"></span> a<span class=\"_ _1\"></span>v </span><span style=\"display:inherit;clear:left;\">deriva<span class=\"_ _1\"></span>tkon<span class=\"_ _1\"></span>trakter<span class=\"_ _2\"></span>. A<span class=\"_ _1\"></span>vtalene g<span class=\"_ _8\"></span>j\u00f8r det mulig<span class=\"_ _1\"></span> \u00e5 nettober<span class=\"_ _1\"></span>egne mark<span class=\"_ _2\"></span>-<span class=\"_ _1\"></span>to-<span class=\"_ _1\"></span>marke<span class=\"_ _1\"></span>t.</span><span style=\"display:inherit;clear:left;\">CSA-avta<span class=\"_ _8\"></span>len<span class=\"_ _8\"></span>e er ens<span class=\"_ _8\"></span>idi<span class=\"_ _8\"></span>ge, no<span class=\"_ _8\"></span>e som b<span class=\"_ _8\"></span>ety<span class=\"_ _8\"></span>r at det kun e<span class=\"_ _8\"></span>r motp<span class=\"_ _8\"></span>ar<span class=\"_ _8\"></span>ten so<span class=\"_ _8\"></span>m m\u00e5 st<span class=\"_ _8\"></span>ille s<span class=\"_ _8\"></span>ikker<span class=\"_ _8\"></span>het n\u00e5<span class=\"_ _8\"></span>r mar<span class=\"_ _8\"></span>kedsverd<span class=\"_ _8\"></span>ien sv<span class=\"_ _8\"></span>inge<span class=\"_ _8\"></span>r<span class=\"_ _2\"></span>. I de f<span class=\"_ _8\"></span>le<span class=\"_ _8\"></span>ste </span><span style=\"display:inherit;clear:left;\">avtaler skal<span class=\"_ _1\"></span> sikkerhet<span class=\"_ _1\"></span> fr<span class=\"_ _1\"></span>a motparten<span class=\"_ _1\"></span> stilles daglig n\u00e5r mark<span class=\"_ _1\"></span>edsver<span class=\"_ _1\"></span>dien er<span class=\"_ _1\"></span> i Spar<span class=\"_ _1\"></span>ebanken<span class=\"_ _1\"></span> V<span class=\"_ _1\"></span>est Boligkreditts fa<span class=\"_ _1\"></span>v<span class=\"_ _1\"></span>\u00f8r (<span class=\"_ _1\"></span>null<span class=\"_ _1\"></span> tersk<span class=\"_ _1\"></span>el).</span><span style=\"display:inherit;clear:left;\">CSA<span class=\"_ _1\"></span>-<span class=\"_ _1\"></span>avtalene inneholder r<span class=\"_ _1\"></span>a<span class=\"_ _1\"></span>tingklausuler der mo<span class=\"_ _1\"></span>tparten m\u00e5 stil<span class=\"_ _1\"></span>le mer sikk<span class=\"_ _1\"></span>erhet h<span class=\"_ _1\"></span>vis<span class=\"_ _1\"></span> vurderingen<span class=\"_ _1\"></span> faller<span class=\"_ _1\"></span> under definerte </span><span style=\"display:inherit;clear:left;\">ra<span class=\"_ _1\"></span>tingtrig<span class=\"_ _8\"></span>gere.<span class=\"_ _1\"></span> Dersom r<span class=\"_ _1\"></span>ating<span class=\"_ _1\"></span>en f<span class=\"_ _1\"></span>aller under<span class=\"_ _1\"></span> et f<span class=\"_ _1\"></span>orh\u00e5ndsbestemt niv<span class=\"_ _1\"></span>\u00e5, skal<span class=\"_ _1\"></span> deriva<span class=\"_ _1\"></span>tene<span class=\"_ _1\"></span> byttes til annen<span class=\"_ _1\"></span> motpart for<span class=\"_ _1\"></span> motpartens </span><span style=\"display:inherit;clear:left;\">egen<span class=\"_ _1\"></span> regn<span class=\"_ _1\"></span>ing.</span><span style=\"display:inherit;clear:left;\">Brutto </span><span style=\"display:inherit;clear:left;\">Bel\u00f8p som </span><span style=\"display:inherit;clear:left;\">\u00d8vrig <span class=\"_ _4\"></span> </span><span style=\"display:inherit;clear:left;\">Bel\u00f8p et<span class=\"_ _1\"></span>ter</span><span style=\"display:inherit;clear:left;\">balansef<span class=\"_ _1\"></span>\u00f8rt </span><span style=\"display:inherit;clear:left;\">motr<span class=\"_ _1\"></span>egnes</span><span style=\"display:inherit;clear:left;\">Balansef<span class=\"_ _1\"></span>\u00f8rt</span><span style=\"display:inherit;clear:left;\">Net<span class=\"_ _1\"></span>ting-</span><span style=\"display:inherit;clear:left;\">sikkerhe<span class=\"_ _1\"></span>t/</span><span style=\"display:inherit;clear:left;\">mulige ne<span class=\"_ _1\"></span>tt<span class=\"_ _1\"></span>o- </span><span style=\"display:inherit;clear:left;\">1)</span><span style=\"display:inherit;clear:left;\">ver<span class=\"_ _2\"></span>di</span><span style=\"display:inherit;clear:left;\">a<span class=\"_ _1\"></span>vtaler </span><span style=\"display:inherit;clear:left;\">1)</span><span style=\"display:inherit;clear:left;\">K<span class=\"_ _1\"></span>ONSERN</span><span style=\"display:inherit;clear:left;\">ver<span class=\"_ _2\"></span>di</span><span style=\"display:inherit;clear:left;\">i balansen </span><span style=\"display:inherit;clear:left;\">colla<span class=\"_ _1\"></span>t<span class=\"_ _1\"></span>er<span class=\"_ _1\"></span>al</span><span style=\"display:inherit;clear:left;\">oppgj\u00f8r</span><span style=\"display:inherit;clear:left;\">31/12<span class=\"_ _1\"></span>-2<span class=\"_ _1\"></span>0<span class=\"_ _1\"></span>23</span><span style=\"display:inherit;clear:left;\">Utl\u00e5n til og for<span class=\"_ _1\"></span>dring<span class=\"_ _1\"></span>er p\u00e5 kr<span class=\"_ _1\"></span>edittins<span class=\"_ _1\"></span>titusjoner<span class=\"_ _117\"> </span>3 154<span class=\"_ _13\"> </span>0<span class=\"_ _5d\"> </span>3 154<span class=\"_ _13\"> </span>0<span class=\"_ _66\"> </span><span class=\"ls21 ws175\">123<span class=\"_ _ba\"> </span><span class=\"ls136 ws1e3\">3<span class=\"_ _8\"></span> 030</span></span></span><span style=\"display:inherit;clear:left;\">Finansielle deriv<span class=\"_ _1\"></span>a<span class=\"_ _1\"></span>ter \u2013 eiendeler<span class=\"_ _181\"> </span><span class=\"ls126 ws1d0\">5 401<span class=\"_ _10c\"> </span></span>0<span class=\"_ _5d\"> </span></span><span style=\"display:inherit;clear:left;\">5 401<span class=\"_ _93\"> </span><span class=\"ls136 ws1e3\">1<span class=\"_ _8\"></span> 033<span class=\"_ _72\"> </span></span></span><span style=\"display:inherit;clear:left;\">3 193<span class=\"_ _11\"> </span>1 175</span><span style=\"display:inherit;clear:left;\">Gjeld til kredit<span class=\"_ _1\"></span>tins<span class=\"_ _1\"></span>titusjoner<span class=\"_ _19e\"> </span><span class=\"ls133 ws1e0\">5 454<span class=\"_ _10c\"> </span></span>0<span class=\"_ _6f\"> </span><span class=\"ls133 ws1e0\">5 454<span class=\"_ _10c\"> </span></span>0<span class=\"_ _1b\"> </span>3 193<span class=\"_ _1b\"> </span><span class=\"ls125 ws1cf\">2<span class=\"_ _8\"></span> 261</span></span><span style=\"display:inherit;clear:left;\">Finansielle deriv<span class=\"_ _1\"></span>a<span class=\"_ _1\"></span>ter \u2013 gjeld<span class=\"_ _ef\"> </span><span class=\"ls4a ws9d\">1 670<span class=\"_ _63\"> </span></span>0<span class=\"_ _72\"> </span></span><span style=\"display:inherit;clear:left;\">1<span class=\"_ _8\"></span> 670<span class=\"_ _72\"> </span></span><span style=\"display:inherit;clear:left;\">1 033<span class=\"_ _66\"> </span><span class=\"ls21 ws175\">1<span class=\"_ _8\"></span>23<span class=\"_ _9a\"> </span><span class=\"ls139 ws1e6\">51<span class=\"_ _8\"></span>4</span></span></span><span style=\"display:inherit;clear:left;\">31/12<span class=\"_ _1\"></span>-2<span class=\"_ _1\"></span>0<span class=\"_ _1\"></span>22</span><span style=\"display:inherit;clear:left;\">Utl\u00e5n til og for<span class=\"_ _1\"></span>dring<span class=\"_ _1\"></span>er p\u00e5 kr<span class=\"_ _1\"></span>edittins<span class=\"_ _1\"></span>titusjoner<span class=\"_ _48\"> </span>1 018<span class=\"_ _13\"> </span>0<span class=\"_ _14\"> </span>1 018<span class=\"_ _13\"> </span>0<span class=\"_ _21a\"> </span><span class=\"ls82 ws14b\">455<span class=\"_ _3e\"> </span>564</span></span><span style=\"display:inherit;clear:left;\">Finansielle deriv<span class=\"_ _1\"></span>a<span class=\"_ _1\"></span>ter \u2013 eiendeler<span class=\"_ _221\"> </span><span class=\"ls31 ws81\">2<span class=\"_ _8\"></span> 575<span class=\"_ _10c\"> </span></span>0<span class=\"_ _74\"> </span></span><span style=\"display:inherit;clear:left;\">2<span class=\"_ _8\"></span> 575<span class=\"_ _92\"> </span></span><span style=\"display:inherit;clear:left;\">961<span class=\"_ _91\"> </span><span class=\"ls138 ws1e5\">969<span class=\"_ _75\"> </span><span class=\"ls82 ws14b\">645</span></span></span><span style=\"display:inherit;clear:left;\">Gjeld til kredit<span class=\"_ _1\"></span>tins<span class=\"_ _1\"></span>titusjoner<span class=\"_ _11e\"> </span><span class=\"ls133 ws1e0\">3<span class=\"_ _8\"></span> 095<span class=\"_ _13\"> </span></span>0<span class=\"_ _ba\"> </span><span class=\"ls133 ws1e0\">3<span class=\"_ _8\"></span> 095<span class=\"_ _13\"> </span></span>0<span class=\"_ _91\"> </span><span class=\"ls138 ws1e5\">969<span class=\"_ _72\"> </span></span>2 125</span><span style=\"display:inherit;clear:left;\">Finansielle deriv<span class=\"_ _1\"></span>a<span class=\"_ _1\"></span>ter \u2013 gjeld<span class=\"_ _2d6\"> </span>1 922<span class=\"_ _13\"> </span>0<span class=\"_ _1b\"> </span>1 922<span class=\"_ _10\"> </span></span><span style=\"display:inherit;clear:left;\">961<span class=\"_ _21a\"> </span><span class=\"ls82 ws14b\">45<span class=\"_ _8\"></span>5<span class=\"_ _3e\"> </span>506</span></span><span style=\"display:inherit;clear:left;\">Brutto </span><span style=\"display:inherit;clear:left;\">Bel\u00f8p som </span><span style=\"display:inherit;clear:left;\">\u00d8vrig <span class=\"_ _4\"></span> </span><span style=\"display:inherit;clear:left;\">Bel\u00f8p et<span class=\"_ _1\"></span>ter</span><span style=\"display:inherit;clear:left;\">balansef<span class=\"_ _1\"></span>\u00f8rt </span><span style=\"display:inherit;clear:left;\">motr<span class=\"_ _1\"></span>egnes</span><span style=\"display:inherit;clear:left;\">Balansef<span class=\"_ _1\"></span>\u00f8rt</span><span style=\"display:inherit;clear:left;\">Net<span class=\"_ _1\"></span>ting-</span><span style=\"display:inherit;clear:left;\">sikkerhe<span class=\"_ _1\"></span>t/</span><span style=\"display:inherit;clear:left;\">mulige ne<span class=\"_ _1\"></span>tt<span class=\"_ _1\"></span>o- </span><span style=\"display:inherit;clear:left;\">1)</span><span style=\"display:inherit;clear:left;\">ver<span class=\"_ _2\"></span>di</span><span style=\"display:inherit;clear:left;\">a<span class=\"_ _1\"></span>vtaler </span><span style=\"display:inherit;clear:left;\">MORBANK</span><span style=\"display:inherit;clear:left;\">ver<span class=\"_ _2\"></span>di</span><span style=\"display:inherit;clear:left;\">i balansen </span><span style=\"display:inherit;clear:left;\">colla<span class=\"_ _1\"></span>t<span class=\"_ _1\"></span>er<span class=\"_ _1\"></span>al</span><span style=\"display:inherit;clear:left;\">oppgj\u00f8r</span><span style=\"display:inherit;clear:left;\">31/12<span class=\"_ _1\"></span>-2<span class=\"_ _1\"></span>0<span class=\"_ _1\"></span>23</span><span style=\"display:inherit;clear:left;\">Utl\u00e5n til og for<span class=\"_ _1\"></span>dring<span class=\"_ _1\"></span>er p\u00e5 kr<span class=\"_ _1\"></span>edittins<span class=\"_ _1\"></span>titusjoner<span class=\"_ _3d\"> </span>23 7<span class=\"_ _2\"></span>48<span class=\"_ _13\"> </span>0<span class=\"_ _83\"> </span>23 7<span class=\"_ _0\"></span>48<span class=\"_ _10c\"> </span>0<span class=\"_ _1b\"> </span>1 639<span class=\"_ _85\"> </span>22 109</span><span style=\"display:inherit;clear:left;\">Finansielle deriv<span class=\"_ _1\"></span>a<span class=\"_ _1\"></span>ter \u2013 eiendeler<span class=\"_ _1e5\"> </span><span class=\"ls82 ws14b\">4 608<span class=\"_ _13\"> </span></span>0<span class=\"_ _108\"> </span></span><span style=\"display:inherit;clear:left;\">4 608<span class=\"_ _e9\"> </span></span><span style=\"display:inherit;clear:left;\">939<span class=\"_ _72\"> </span><span class=\"ls109 ws16b\">2<span class=\"_ _8\"></span> 281<span class=\"_ _1a\"> </span><span class=\"ls135 ws1e2\">1 3<span class=\"_ _8\"></span>89</span></span></span><span style=\"display:inherit;clear:left;\">Gjeld til kredit<span class=\"_ _1\"></span>tins<span class=\"_ _1\"></span>titusjoner<span class=\"_ _122\"> </span>9 129<span class=\"_ _13\"> </span>0<span class=\"_ _1b\"> </span>9 129<span class=\"_ _13\"> </span>0<span class=\"_ _72\"> </span><span class=\"ls109 ws16b\">2 28<span class=\"_ _8\"></span>1<span class=\"_ _6e\"> </span></span>6 848</span><span style=\"display:inherit;clear:left;\">Finansielle deriv<span class=\"_ _1\"></span>a<span class=\"_ _1\"></span>ter \u2013  gjeld<span class=\"_ _2d7\"> </span><span class=\"ls133 ws1e0\">4 540<span class=\"_ _10c\"> </span></span>0<span class=\"_ _86\"> </span></span><span style=\"display:inherit;clear:left;\">4 540<span class=\"_ _e9\"> </span><span class=\"ls136 ws1e3\">939<span class=\"_ _1b\"> </span></span></span><span style=\"display:inherit;clear:left;\">1 639<span class=\"_ _93\"> </span>1 962</span><span style=\"display:inherit;clear:left;\">31/12<span class=\"_ _1\"></span>-2<span class=\"_ _1\"></span>0<span class=\"_ _1\"></span>22</span><span style=\"display:inherit;clear:left;\">Utl\u00e5n til og for<span class=\"_ _1\"></span>dring<span class=\"_ _1\"></span>er p\u00e5 kr<span class=\"_ _1\"></span>edittins<span class=\"_ _1\"></span>titusjoner<span class=\"_ _226\"> </span>19 57<span class=\"_ _1\"></span>3<span class=\"_ _13\"> </span>0<span class=\"_ _8e\"> </span>19 57<span class=\"_ _1\"></span>3<span class=\"_ _13\"> </span>0<span class=\"_ _21a\"> </span><span class=\"ls82 ws14b\">455<span class=\"_ _94\"> </span></span>19 118</span><span style=\"display:inherit;clear:left;\">Finansielle deriv<span class=\"_ _1\"></span>a<span class=\"_ _1\"></span>ter \u2013 eiendeler<span class=\"_ _a4\"> </span><span class=\"ls135 ws1e2\">4<span class=\"_ _8\"></span> 894<span class=\"_ _10c\"> </span></span>0<span class=\"_ _108\"> </span></span><span style=\"display:inherit;clear:left;\">4 89<span class=\"_ _8\"></span>4<span class=\"_ _9a\"> </span></span><span style=\"display:inherit;clear:left;\">872<span class=\"_ _10\"> </span><span class=\"ls13 ws13\">327<span class=\"_ _74\"> </span><span class=\"ls138 ws1e5\">3 695</span></span></span><span style=\"display:inherit;clear:left;\">Gjeld til kredit<span class=\"_ _1\"></span>tins<span class=\"_ _1\"></span>titusjoner<span class=\"_ _1fc\"> </span><span class=\"ls13b ws1e8\">3 568<span class=\"_ _13\"> </span></span>0<span class=\"_ _94\"> </span><span class=\"ls13b ws1e8\">3 5<span class=\"_ _8\"></span>68<span class=\"_ _13\"> </span></span>0<span class=\"_ _9a\"> </span><span class=\"ls13 ws13\">327<span class=\"_ _ba\"> </span><span class=\"ls4a ws9d\">3<span class=\"_ _8\"></span> 24<span class=\"_ _8\"></span>0</span></span></span><span style=\"display:inherit;clear:left;\">Finansielle deriv<span class=\"_ _1\"></span>a<span class=\"_ _1\"></span>ter \u2013 gjeld<span class=\"_ _11f\"> </span><span class=\"ls6 ws6\">2<span class=\"_ _8\"></span> 5<span class=\"_ _8\"></span>07<span class=\"_ _63\"> </span></span>0<span class=\"_ _74\"> </span></span><span style=\"display:inherit;clear:left;\">2<span class=\"_ _8\"></span> 5<span class=\"_ _8\"></span>07<span class=\"_ _10\"> </span></span><span style=\"display:inherit;clear:left;\">872<span class=\"_ _75\"> </span><span class=\"ls82 ws14b\">455<span class=\"_ _16\"> </span></span></span><span style=\"display:inherit;clear:left;\">1 181</span><span style=\"display:inherit;clear:left;\">1)</span><span style=\"display:inherit;clear:left;\"> Nettingavtaler er ikk<span class=\"_ _1\"></span>e mo<span class=\"_ _1\"></span>tregnet i<span class=\"_ _1\"></span> balansen f<span class=\"_ _1\"></span>ordi<span class=\"_ _1\"></span> transaks<span class=\"_ _1\"></span>jonene van<span class=\"_ _1\"></span>ligvis<span class=\"_ _1\"></span> ikke<span class=\"_ _1\"></span> g<span class=\"_ _8\"></span>j\u00f8res opp p\u00e5<span class=\"_ _1\"></span> nettogrunnlag.</span>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfFinancialInstrumentsExplanatory",
    "language": "no",
    "entity": "scheme:213800M7T3CYVZ3ZRT12",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "s10_notes__6__35": {
   "value": "<span style=\"display:inherit;clear:left;\">Kredit<span class=\"_ _2\"></span>trisiko <span class=\"ff4\">er risik<span class=\"_ _1\"></span>oen for tap der<span class=\"_ _1\"></span>som bankens k<span class=\"_ _1\"></span>under/</span></span><span style=\"display:inherit;clear:left;\">motpart<span class=\"_ _1\"></span>er ikke opp<span class=\"_ _1\"></span>fyller sine forplikt<span class=\"_ _1\"></span>elser knyt<span class=\"_ _1\"></span>te<span class=\"_ _1\"></span>t til utl\u00e5n, </span><span style=\"display:inherit;clear:left;\">kredit<span class=\"_ _1\"></span>ter<span class=\"_ _0\"></span>, gar<span class=\"_ _1\"></span>antier og lignende. S<span class=\"_ _1\"></span>tr<span class=\"_ _1\"></span>a<span class=\"_ _1\"></span>tegisk styr<span class=\"_ _1\"></span>es kr<span class=\"_ _1\"></span>edit<span class=\"_ _1\"></span>trisikoen </span><span style=\"display:inherit;clear:left;\">gjennom etablering a<span class=\"_ _2\"></span>v rammer for samle<span class=\"_ _1\"></span>t eksponering mo<span class=\"_ _1\"></span>t </span><span style=\"display:inherit;clear:left;\">bedriftskunder<span class=\"_ _0\"></span>, enkeltn\u00e6ringer og enk<span class=\"_ _1\"></span>eltkunder<span class=\"_ _0\"></span>. Det er vider<span class=\"_ _1\"></span>e </span><span style=\"display:inherit;clear:left;\">etablert r<span class=\"_ _1\"></span>ammer f<span class=\"_ _1\"></span>or an<span class=\"_ _1\"></span>tall engasjemen<span class=\"_ _1\"></span>t ov<span class=\"_ _1\"></span>er vis<span class=\"_ _1\"></span>se terskler<span class=\"_ _0\"></span>. </span><span style=\"display:inherit;clear:left;\">Styringsr<span class=\"_ _1\"></span>ammene behandles i f<span class=\"_ _1\"></span>orbindelse med bank<span class=\"_ _1\"></span>ens ICAAP-</span><span style=\"display:inherit;clear:left;\">proses<span class=\"_ _1\"></span>s, og e<span class=\"_ _1\"></span>tableres i bank<span class=\"_ _1\"></span>ens kr<span class=\"_ _1\"></span>edittrisik<span class=\"_ _1\"></span>os<span class=\"_ _1\"></span>tra<span class=\"_ _2\"></span>tegi. Opera<span class=\"_ _1\"></span>tivt </span><span style=\"display:inherit;clear:left;\">styr<span class=\"_ _1\"></span>es risik<span class=\"_ _1\"></span>oen i det daglig<span class=\"_ _1\"></span>e arbeidet ut mo<span class=\"_ _1\"></span>t kunder<span class=\"_ _0\"></span>, og banken </span><span style=\"display:inherit;clear:left;\">har etablert e<span class=\"_ _1\"></span>t bevilgningsr<span class=\"_ _1\"></span>eglemen<span class=\"_ _1\"></span>t inkludert fullmakter sam<span class=\"_ _1\"></span>t </span><span style=\"display:inherit;clear:left;\">en kredit<span class=\"_ _1\"></span>tpolic<span class=\"_ _1\"></span>y<span class=\"_ _2\"></span>, bransjepolic<span class=\"_ _1\"></span>y<span class=\"_ _1\"></span>er og andr<span class=\"_ _1\"></span>e rutiner som beskriv<span class=\"_ _1\"></span>er </span><span style=\"display:inherit;clear:left;\">hv<span class=\"_ _1\"></span>or<span class=\"_ _1\"></span>dan bankens kr<span class=\"_ _1\"></span>edit<span class=\"_ _1\"></span>trisikos<span class=\"_ _1\"></span>tr<span class=\"_ _1\"></span>a<span class=\"_ _1\"></span>tegi skal implemen<span class=\"_ _1\"></span>ter<span class=\"_ _1\"></span>es </span><span style=\"display:inherit;clear:left;\">gjennom f<span class=\"_ _1\"></span>astse<span class=\"_ _1\"></span>tt<span class=\"_ _1\"></span>else a<span class=\"_ _1\"></span>v de<span class=\"_ _1\"></span>taljerte kr<span class=\"_ _1\"></span>edittgivningskriterier og </span><span style=\"display:inherit;clear:left;\">l\u00f8pende oppf<span class=\"_ _1\"></span>\u00f8lging a<span class=\"_ _1\"></span>v kunder<span class=\"_ _0\"></span>. F<span class=\"_ _1\"></span>or n\u00e6rmer<span class=\"_ _1\"></span>e beskriv<span class=\"_ _1\"></span>else a<span class=\"_ _1\"></span>v </span><span style=\"display:inherit;clear:left;\">kredit<span class=\"_ _1\"></span>trisik<span class=\"_ _1\"></span>o se not<span class=\"_ _1\"></span>e 8 til 20</span>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfCreditRiskExplanatory",
    "language": "no",
    "entity": "scheme:213800M7T3CYVZ3ZRT12",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "s10_notes__6__36-1": {
   "value": "<span style=\"display:inherit;clear:left;\">Mark<span class=\"_ _1\"></span>edsrisik<span class=\"_ _1\"></span>o<span class=\"ff4\"> de<span class=\"_ _1\"></span>finer<span class=\"_ _1\"></span>es som risikoen f<span class=\"_ _1\"></span>or tap p\u00e5 \u00e5pne posisjoner </span></span><span style=\"display:inherit;clear:left;\">i finansielle instrumen<span class=\"_ _1\"></span>ter som f<span class=\"_ _1\"></span>\u00f8lg<span class=\"_ _1\"></span>e a<span class=\"_ _1\"></span>v endringer i </span><span style=\"display:inherit;clear:left;\">markeds<span class=\"_ _1\"></span>v<span class=\"_ _1\"></span>ariabler og/eller markedsbe<span class=\"_ _1\"></span>tingelser innen<span class=\"_ _1\"></span>f<span class=\"_ _1\"></span>or en </span><span style=\"display:inherit;clear:left;\">spesifisert tidshorisont. Det<span class=\"_ _1\"></span>te inkluder<span class=\"_ _1\"></span>er ak<span class=\"_ _1\"></span>sje-, r<span class=\"_ _1\"></span>ent<span class=\"_ _1\"></span>e-, v<span class=\"_ _1\"></span>aluta<span class=\"_ _1\"></span>-, </span><span style=\"display:inherit;clear:left;\">kredit<span class=\"_ _1\"></span>tspr<span class=\"_ _1\"></span>ead- og eiendomsrisik<span class=\"_ _1\"></span>o. Gjennom bank<span class=\"_ _1\"></span>ens </span><span style=\"display:inherit;clear:left;\">markedsrisik<span class=\"_ _1\"></span>ostr<span class=\"_ _1\"></span>a<span class=\"_ _1\"></span>t<span class=\"_ _1\"></span>egi, som oppdat<span class=\"_ _1\"></span>er<span class=\"_ _1\"></span>es minimum \u00e5rlig, innvilger </span><span style=\"display:inherit;clear:left;\">Styr<span class=\"_ _1\"></span>e<span class=\"_ _1\"></span>t r<span class=\"_ _1\"></span>ammer for ek<span class=\"_ _1\"></span>sponering mot de ulik<span class=\"_ _1\"></span>e risik<span class=\"_ _1\"></span>oka<span class=\"_ _1\"></span>teg<span class=\"_ _1\"></span>oriene. </span><span style=\"display:inherit;clear:left;\">Risikoen s<span class=\"_ _1\"></span>tyr<span class=\"_ _1\"></span>es s\u00e5ledes str<span class=\"_ _1\"></span>a<span class=\"_ _1\"></span>t<span class=\"_ _1\"></span>egisk gjennom ramme<span class=\"_ _1\"></span>f<span class=\"_ _1\"></span>astse<span class=\"_ _1\"></span>tt<span class=\"_ _1\"></span>elsen </span><span style=\"display:inherit;clear:left;\">som uttrykker S<span class=\"_ _1\"></span>tyr<span class=\"_ _1\"></span>e<span class=\"_ _1\"></span>ts risiko<span class=\"_ _1\"></span>toler<span class=\"_ _1\"></span>anse innen<span class=\"_ _1\"></span>f<span class=\"_ _1\"></span>or risikoomr<span class=\"_ _1\"></span>\u00e5<span class=\"_ _1\"></span>dene. </span><span style=\"display:inherit;clear:left;\">Opera<span class=\"_ _2\"></span>tivt ut\u00f8v<span class=\"_ _1\"></span>es risik<span class=\"_ _1\"></span>ostyring a<span class=\"_ _1\"></span>v r<span class=\"_ _1\"></span>en<span class=\"_ _1\"></span>te-, v<span class=\"_ _1\"></span>aluta<span class=\"_ _1\"></span>- og </span><span style=\"display:inherit;clear:left;\">kredit<span class=\"_ _1\"></span>tspr<span class=\"_ _1\"></span>eadrisik<span class=\"_ _1\"></span>oen a<span class=\"_ _1\"></span>v bankens T<span class=\"_ _0\"></span>reasury-<span class=\"_ _1\"></span>funksjon. T<span class=\"_ _2\"></span>r<span class=\"_ _1\"></span>easury er </span><span style=\"display:inherit;clear:left;\">tildelt fullmakter til \u00e5 gjennom<span class=\"_ _1\"></span>f<span class=\"_ _1\"></span>\u00f8r<span class=\"_ _1\"></span>e transak<span class=\"_ _1\"></span>sjoner i finansielle </span><span style=\"display:inherit;clear:left;\">instrumen<span class=\"_ _1\"></span>ter og s<span class=\"_ _1\"></span>tyr<span class=\"_ _1\"></span>er risikoen oper<span class=\"_ _1\"></span>a<span class=\"_ _1\"></span>tivt innen<span class=\"_ _1\"></span>f<span class=\"_ _1\"></span>or de </span><span style=\"display:inherit;clear:left;\">styr<span class=\"_ _1\"></span>e<span class=\"_ _1\"></span>f<span class=\"_ _1\"></span>astsa<span class=\"_ _1\"></span>t<span class=\"_ _1\"></span>te r<span class=\"_ _1\"></span>ammer<span class=\"_ _0\"></span>. Bankens aksjeeksponering er begr<span class=\"_ _1\"></span>ense<span class=\"_ _1\"></span>t </span><span style=\"display:inherit;clear:left;\">og er for<span class=\"_ _1\"></span>delt p\u00e5 t<span class=\"_ _1\"></span>o porte<span class=\"_ _1\"></span>f<span class=\"_ _1\"></span>\u00f8ljer: ven<span class=\"_ _1\"></span>tur<span class=\"_ _1\"></span>eporte<span class=\"_ _1\"></span>f<span class=\"_ _1\"></span>\u00f8lje og str<span class=\"_ _1\"></span>a<span class=\"_ _2\"></span>tegisk </span><span style=\"display:inherit;clear:left;\">portef<span class=\"_ _1\"></span>\u00f8lje. F<span class=\"_ _2\"></span>ullmakt til \u00e5 forv<span class=\"_ _1\"></span>alte bank<span class=\"_ _1\"></span>ens v<span class=\"_ _1\"></span>en<span class=\"_ _1\"></span>tureport<span class=\"_ _1\"></span>ef<span class=\"_ _1\"></span>\u00f8lje, som </span><span style=\"display:inherit;clear:left;\">er under a<span class=\"_ _1\"></span>vvikling, er delegert til \u00d8konomidir<span class=\"_ _1\"></span>ekt\u00f8r<span class=\"_ _0\"></span>. T<span class=\"_ _2\"></span>ransaksjoner </span><span style=\"display:inherit;clear:left;\">i str<span class=\"_ _1\"></span>a<span class=\"_ _1\"></span>t<span class=\"_ _1\"></span>egisk portef<span class=\"_ _1\"></span>\u00f8lje godkjennes a<span class=\"_ _2\"></span>v Styre<span class=\"_ _1\"></span>t eller Konsernsje<span class=\"_ _1\"></span>f<span class=\"_ _0\"></span>. F<span class=\"_ _1\"></span>or </span><span style=\"display:inherit;clear:left;\">n\u00e6rmere beskriv<span class=\"_ _1\"></span>else a<span class=\"_ _1\"></span>v mark<span class=\"_ _1\"></span>edsrisik<span class=\"_ _1\"></span>o se not<span class=\"_ _1\"></span>e 21 til 26<span class=\"_ _1\"></span>.</span><span style=\"display:inherit;clear:left;\">No<span class=\"_ _8\"></span>te<span class=\"_ _8\"></span> 2<span class=\"_ _a\"></span>1<span class=\"_ _8\"></span> Ma<span class=\"_ _8\"></span>r<span class=\"_ _8\"></span>ke<span class=\"_ _8\"></span>d<span class=\"_ _8\"></span>s<span class=\"_ _8\"></span>r<span class=\"_ _8\"></span>i<span class=\"_ _8\"></span>s<span class=\"_ _8\"></span>i<span class=\"_ _8\"></span>ko</span><span style=\"display:inherit;clear:left;\">Sparebank<span class=\"_ _1\"></span>en V<span class=\"_ _1\"></span>est<span class=\"_ _1\"></span> definerer<span class=\"_ _1\"></span> markedsrisik<span class=\"_ _1\"></span>o som<span class=\"_ _1\"></span> risikoen<span class=\"_ _1\"></span> for<span class=\"_ _1\"></span> tap p\u00e5 finansielle<span class=\"_ _1\"></span> instrument<span class=\"_ _1\"></span>er ut<span class=\"_ _1\"></span> fra<span class=\"_ _1\"></span> endringer i<span class=\"_ _1\"></span> markeds<span class=\"_ _1\"></span>variabler<span class=\"_ _1\"></span> og<span class=\"_ _8\"></span>/</span><span style=\"display:inherit;clear:left;\">eller mark<span class=\"_ _1\"></span>edsbetingelser<span class=\"_ _1\"></span> innenfor<span class=\"_ _1\"></span> en spesifisert tidshorisont. Mark<span class=\"_ _1\"></span>edsrisik<span class=\"_ _1\"></span>o oppst\u00e5r som<span class=\"_ _1\"></span> f\u00f8lge<span class=\"_ _1\"></span> a<span class=\"_ _1\"></span>v a<span class=\"_ _1\"></span>t bank<span class=\"_ _1\"></span>en har<span class=\"_ _1\"></span> \u00e5pne posisjoner i<span class=\"_ _1\"></span> </span><span style=\"display:inherit;clear:left;\">uli<span class=\"_ _8\"></span>ke fina<span class=\"_ _8\"></span>nsie<span class=\"_ _8\"></span>lle i<span class=\"_ _8\"></span>nstr<span class=\"_ _8\"></span>ume<span class=\"_ _8\"></span>nter<span class=\"_ _2\"></span>, o<span class=\"_ _8\"></span>g kan d<span class=\"_ _8\"></span>ele<span class=\"_ _8\"></span>s opp i f\u00f8<span class=\"_ _8\"></span>lgen<span class=\"_ _8\"></span>de hove<span class=\"_ _8\"></span>dgr<span class=\"_ _8\"></span>upp<span class=\"_ _8\"></span>er: </span><span style=\"display:inherit;clear:left;\">\u2022 Rent<span class=\"_ _8\"></span>eris<span class=\"_ _8\"></span>iko: Ris<span class=\"_ _8\"></span>iko for ta<span class=\"_ _8\"></span>p som f\u00f8<span class=\"_ _8\"></span>lge av endr<span class=\"_ _8\"></span>inge<span class=\"_ _8\"></span>r i rentem<span class=\"_ _8\"></span>arked<span class=\"_ _8\"></span>ene (se n<span class=\"_ _8\"></span>ote 22)  </span><span style=\"display:inherit;clear:left;\">\u2022 Aks<span class=\"_ _8\"></span>jeri<span class=\"_ _8\"></span>siko: Ri<span class=\"_ _8\"></span>siko for t<span class=\"_ _8\"></span>ap so<span class=\"_ _8\"></span>m f\u00f8lge av en<span class=\"_ _8\"></span>drin<span class=\"_ _8\"></span>ger i aks<span class=\"_ _8\"></span>jep<span class=\"_ _8\"></span>rise<span class=\"_ _8\"></span>ne (se note 26) </span><span style=\"display:inherit;clear:left;\">\u2022 Valuta<span class=\"_ _8\"></span>risi<span class=\"_ _8\"></span>ko: Risiko fo<span class=\"_ _8\"></span>r tap s<span class=\"_ _8\"></span>om f\u00f8l<span class=\"_ _8\"></span>ge av endr<span class=\"_ _8\"></span>ing i val<span class=\"_ _8\"></span>utak<span class=\"_ _8\"></span>urs<span class=\"_ _8\"></span>er (se note 23) </span><span style=\"display:inherit;clear:left;\">\u2022 Kred<span class=\"_ _8\"></span>itt<span class=\"_ _8\"></span>spre<span class=\"_ _8\"></span>adri<span class=\"_ _8\"></span>siko: Ris<span class=\"_ _8\"></span>iko for t<span class=\"_ _8\"></span>ap som f\u00f8<span class=\"_ _8\"></span>lge av end<span class=\"_ _8\"></span>rin<span class=\"_ _8\"></span>g i kredi<span class=\"_ _8\"></span>tt<span class=\"_ _8\"></span>spread (se n<span class=\"_ _8\"></span>ote 19) </span><span style=\"display:inherit;clear:left;\">\u2022 Eiendomsrisik<span class=\"_ _1\"></span>o:<span class=\"_ _1\"></span> Risiko<span class=\"_ _1\"></span> for<span class=\"_ _1\"></span> tap som f<span class=\"_ _1\"></span>\u00f8lge a<span class=\"_ _1\"></span>v e<span class=\"_ _1\"></span>ndring i eiendomsprisene</span><span style=\"display:inherit;clear:left;\">Styring a<span class=\"_ _1\"></span>v mark<span class=\"_ _1\"></span>edsrisik<span class=\"_ _1\"></span>o er nedf<span class=\"_ _1\"></span>elt<span class=\"_ _1\"></span> i banke<span class=\"_ _1\"></span>ns mark<span class=\"_ _1\"></span>edsrisikostr<span class=\"_ _1\"></span>a<span class=\"_ _1\"></span>tegi. Bankens<span class=\"_ _1\"></span> markedsrisi<span class=\"_ _1\"></span>kostr<span class=\"_ _1\"></span>at<span class=\"_ _1\"></span>egi vedtas a<span class=\"_ _1\"></span>v styr<span class=\"_ _1\"></span>et og gir </span><span style=\"display:inherit;clear:left;\">f\u00f8ringer<span class=\"_ _1\"></span> for<span class=\"_ _1\"></span> bankens<span class=\"_ _1\"></span> aktiviteter<span class=\"_ _1\"></span> i kapitalmark<span class=\"_ _1\"></span>edene, og ris<span class=\"_ _1\"></span>ikoen styr<span class=\"_ _1\"></span>es g<span class=\"_ _8\"></span>jennom definerte posisjonsr<span class=\"_ _1\"></span>ammer f<span class=\"_ _1\"></span>or h<span class=\"_ _1\"></span>vert risik<span class=\"_ _1\"></span>oomr\u00e5<span class=\"_ _1\"></span>de, </span><span style=\"display:inherit;clear:left;\">og i en<span class=\"_ _8\"></span>kelte ti<span class=\"_ _8\"></span>lfell<span class=\"_ _8\"></span>er an<span class=\"_ _8\"></span>gis o<span class=\"_ _8\"></span>gs\u00e5 fo<span class=\"_ _8\"></span>rdeli<span class=\"_ _8\"></span>ng av nevnte ra<span class=\"_ _8\"></span>mme<span class=\"_ _8\"></span>r p\u00e5 jur<span class=\"_ _8\"></span>idis<span class=\"_ _8\"></span>ke enhe<span class=\"_ _8\"></span>ter i kons<span class=\"_ _8\"></span>ern<span class=\"_ _8\"></span>et.</span><span style=\"display:inherit;clear:left;\">Sparebanken V<span class=\"_ _2\"></span>est<span class=\"_ _8\"></span>s in<span class=\"_ _1\"></span>vesteringer skal<span class=\"_ _1\"></span> v\u00e6re<span class=\"_ _1\"></span> begrunnet ut fra<span class=\"_ _1\"></span> bankvirksomhetens behov<span class=\"_ _1\"></span>. Banken<span class=\"_ _1\"></span> har ikke,<span class=\"_ _1\"></span> og skal ikk<span class=\"_ _1\"></span>e ha, </span><span style=\"display:inherit;clear:left;\">handelsportef\u00f8ljer innen<span class=\"_ _1\"></span>for<span class=\"_ _1\"></span> aksjer eller<span class=\"_ _1\"></span> obligasjoner<span class=\"_ _2\"></span>. Spareban<span class=\"_ _1\"></span>ken V<span class=\"_ _2\"></span>est m\u00e5ler og ov<span class=\"_ _1\"></span>erv\u00e5ker<span class=\"_ _1\"></span> l\u00f8pende markedsris<span class=\"_ _1\"></span>ikoen bank<span class=\"_ _1\"></span>en er<span class=\"_ _1\"></span> </span><span style=\"display:inherit;clear:left;\">eksponert for<span class=\"_ _2\"></span>. Bank<span class=\"_ _1\"></span>en benytter tr<span class=\"_ _1\"></span>adisjonel<span class=\"_ _1\"></span>le styringsm\u00e5l og<span class=\"_ _1\"></span> -r<span class=\"_ _1\"></span>ammer<span class=\"_ _2\"></span>, men su<span class=\"_ _1\"></span>pplerer disse<span class=\"_ _1\"></span> med stresstester<span class=\"_ _1\"></span> for<span class=\"_ _1\"></span> \u00e5 vur<span class=\"_ _1\"></span>dere </span><span style=\"display:inherit;clear:left;\">markedsrisikoen. </span><span style=\"display:inherit;clear:left;\">Sen<span class=\"_ _8\"></span>siti<span class=\"_ _8\"></span>vitet i b<span class=\"_ _8\"></span>anken<span class=\"_ _8\"></span>s renter<span class=\"_ _8\"></span>isiko vi<span class=\"_ _8\"></span>se<span class=\"_ _8\"></span>s i note 22. S<span class=\"_ _8\"></span>ens<span class=\"_ _8\"></span>itiv<span class=\"_ _8\"></span>itet i ba<span class=\"_ _8\"></span>nkens val<span class=\"_ _8\"></span>uta<span class=\"_ _8\"></span>kurs<span class=\"_ _8\"></span>risi<span class=\"_ _8\"></span>ko vise<span class=\"_ _8\"></span>s i note 23<span class=\"_ _8\"></span>. Sen<span class=\"_ _8\"></span>siti<span class=\"_ _8\"></span>vitet i b<span class=\"_ _8\"></span>anken<span class=\"_ _8\"></span>s </span><span style=\"display:inherit;clear:left;\">aksj<span class=\"_ _8\"></span>eku<span class=\"_ _8\"></span>rsris<span class=\"_ _8\"></span>iko kan avl<span class=\"_ _8\"></span>ede<span class=\"_ _8\"></span>s av note 26 ved et p<span class=\"_ _8\"></span>rose<span class=\"_ _8\"></span>ntvi<span class=\"_ _8\"></span>s fall i al<span class=\"_ _8\"></span>le aks<span class=\"_ _8\"></span>jeku<span class=\"_ _8\"></span>rse<span class=\"_ _8\"></span>ne. N<span class=\"_ _8\"></span>ote 19 vis<span class=\"_ _8\"></span>er se<span class=\"_ _8\"></span>nsit<span class=\"_ _8\"></span>ivitet u<span class=\"_ _8\"></span>ttr<span class=\"_ _8\"></span>y<span class=\"_ _8\"></span>kt ve<span class=\"_ _8\"></span>d </span><span style=\"display:inherit;clear:left;\">kredittspreadrisiko.</span><span style=\"display:inherit;clear:left;\">Me<span class=\"_ _8\"></span>d unnt<span class=\"_ _8\"></span>ak av aksje<span class=\"_ _8\"></span>ris<span class=\"_ _8\"></span>iko, hvor det o<span class=\"_ _8\"></span>gs\u00e5 b<span class=\"_ _8\"></span>ereg<span class=\"_ _8\"></span>ne<span class=\"_ _8\"></span>s kapi<span class=\"_ _8\"></span>tal u<span class=\"_ _8\"></span>nde<span class=\"_ _8\"></span>r pila<span class=\"_ _8\"></span>r 1, g<span class=\"_ _a\"></span>j\u00f8re<span class=\"_ _8\"></span>s ban<span class=\"_ _8\"></span>kens be<span class=\"_ _8\"></span>reg<span class=\"_ _8\"></span>ning av ka<span class=\"_ _8\"></span>pita<span class=\"_ _8\"></span>l kny<span class=\"_ _8\"></span>ttet t<span class=\"_ _8\"></span>il </span><span style=\"display:inherit;clear:left;\">markedsrisik<span class=\"_ _1\"></span>o u<span class=\"_ _1\"></span>telukke<span class=\"_ _1\"></span>nde basert p\u00e5 beregninger<span class=\"_ _1\"></span> og met<span class=\"_ _1\"></span>oder for<span class=\"_ _1\"></span> beregning a<span class=\"_ _1\"></span>v pilar<span class=\"_ _1\"></span> 2<span class=\"_ _1\"></span>-<span class=\"_ _1\"></span>kapitalbehov beskr<span class=\"_ _1\"></span>eve<span class=\"_ _1\"></span>t i Fin<span class=\"_ _1\"></span>anstilsynets<span class=\"_ _1\"></span> </span><span style=\"display:inherit;clear:left;\">rundskriv 3/2<span class=\"_ _1\"></span>022 med tilh\u00f8rende v<span class=\"_ _1\"></span>edleg<span class=\"_ _8\"></span>g.</span><span style=\"display:inherit;clear:left;\">Samlet kapitalbeho<span class=\"_ _1\"></span>v kn<span class=\"_ _1\"></span>ytt<span class=\"_ _1\"></span>e<span class=\"_ _1\"></span>t til markedsrisik<span class=\"_ _1\"></span>o oppsummer<span class=\"_ _1\"></span>es som f<span class=\"_ _1\"></span>\u00f8lger:<span class=\"_ _1f1\"> </span><span class=\"ff1\">31/12-<span class=\"_ _1\"></span>23<span class=\"_ _19\"> </span>31/12<span class=\"_ _1\"></span>-22</span></span><span style=\"display:inherit;clear:left;\">Marke<span class=\"_ _1\"></span>dsrisiko<span class=\"_ _286\"> </span></span><span style=\"display:inherit;clear:left;\">456</span><span style=\"display:inherit;clear:left;\"><span class=\"_ _98\"> </span><span class=\"ls61 wsb5\">6<span class=\"_ _8\"></span>07</span></span><span style=\"display:inherit;clear:left;\">No<span class=\"_ _1\"></span>te 22 Ren<span class=\"_ _1\"></span>te<span class=\"_ _1\"></span>f<span class=\"_ _0\"></span>\u00f8lsomhet</span><span style=\"display:inherit;clear:left;\">Renterisik<span class=\"_ _1\"></span>o er<span class=\"_ _1\"></span> risikoen<span class=\"_ _1\"></span> for<span class=\"_ _1\"></span> tap som oppst\u00e5r v<span class=\"_ _1\"></span>ed endring<span class=\"_ _1\"></span>er i r<span class=\"_ _1\"></span>enten<span class=\"_ _1\"></span>iv\u00e5e<span class=\"_ _1\"></span>t. Spar<span class=\"_ _1\"></span>ebanken<span class=\"_ _1\"></span> V<span class=\"_ _1\"></span>est p\u00e5<span class=\"_ _1\"></span>tar seg r<span class=\"_ _1\"></span>enterisik<span class=\"_ _1\"></span>o gjennom ordin\u00e6re<span class=\"_ _1\"></span> </span><span style=\"display:inherit;clear:left;\">bankaktiviteter<span class=\"_ _1\"></span> (innl\u00e5n og<span class=\"_ _1\"></span> utl\u00e5n<span class=\"_ _1\"></span>).<span class=\"_ _1\"></span> I tillegg har Spareban<span class=\"_ _1\"></span>ken V<span class=\"_ _2\"></span>est beholdninger a<span class=\"_ _1\"></span>v obligasjoner og<span class=\"_ _1\"></span> sertifikater ho<span class=\"_ _1\"></span>vedsak<span class=\"_ _1\"></span>elig f<span class=\"_ _1\"></span>or \u00e5 </span><span style=\"display:inherit;clear:left;\">oppfylle bankens likviditetskra<span class=\"_ _1\"></span>v<span class=\"_ _1\"></span>.</span><span style=\"display:inherit;clear:left;\">En del a<span class=\"_ _1\"></span>v<span class=\"_ _1\"></span> bankens<span class=\"_ _1\"></span> innl\u00e5n i<span class=\"_ _1\"></span> obligasjonsmarkedet<span class=\"_ _1\"></span> er obligasjonsinn<span class=\"_ _1\"></span>l\u00e5n med f<span class=\"_ _1\"></span>ast r<span class=\"_ _1\"></span>ente.<span class=\"_ _1\"></span> F<span class=\"_ _1\"></span>or \u00e5 r<span class=\"_ _1\"></span>eduser<span class=\"_ _1\"></span>e ren<span class=\"_ _1\"></span>terisik<span class=\"_ _1\"></span>oen har<span class=\"_ _1\"></span> banken<span class=\"_ _1\"></span> </span><span style=\"display:inherit;clear:left;\">inng\u00e5tt r<span class=\"_ _1\"></span>ent<span class=\"_ _1\"></span>ebytteavtaler<span class=\"_ _2\"></span>. Disse ren<span class=\"_ _1\"></span>teb<span class=\"_ _1\"></span>ytteavtalene er ver<span class=\"_ _1\"></span>dsatt til<span class=\"_ _1\"></span> virkel<span class=\"_ _1\"></span>ig ver<span class=\"_ _1\"></span>di i<span class=\"_ _1\"></span> konsernets<span class=\"_ _1\"></span> balanse. F<span class=\"_ _1\"></span>or<span class=\"_ _1\"></span> \u00e5 gi et<span class=\"_ _1\"></span> balansert bilde i </span><span style=\"display:inherit;clear:left;\">konsernets<span class=\"_ _1\"></span> balanse, er<span class=\"_ _1\"></span> konsernets<span class=\"_ _1\"></span> obligasjonsinnl\u00e5n med f<span class=\"_ _1\"></span>ast r<span class=\"_ _1\"></span>ent<span class=\"_ _1\"></span>e klassifisert som bestemt<span class=\"_ _1\"></span> regnskapsf\u00f8rt til<span class=\"_ _1\"></span> virkelig<span class=\"_ _1\"></span> ver<span class=\"_ _1\"></span>di, eller<span class=\"_ _1\"></span> </span><span style=\"display:inherit;clear:left;\">sikringsbokf\u00f8rt. Renterisik<span class=\"_ _1\"></span>oen kn<span class=\"_ _1\"></span>yttet til bank<span class=\"_ _1\"></span>ens f<span class=\"_ _1\"></span>astren<span class=\"_ _1\"></span>teutl\u00e5n<span class=\"_ _1\"></span> til kunder dekk<span class=\"_ _1\"></span>es ogs\u00e5 i<span class=\"_ _1\"></span>nn g<span class=\"_ _8\"></span>jennom r<span class=\"_ _1\"></span>enteb<span class=\"_ _1\"></span>ytteavtaler<span class=\"_ _2\"></span>. For<span class=\"_ _1\"></span> \u00e5 gi et<span class=\"_ _1\"></span> </span><span style=\"display:inherit;clear:left;\">balansert bilde i k<span class=\"_ _1\"></span>onsernets balanse<span class=\"_ _1\"></span> er f<span class=\"_ _1\"></span>astrent<span class=\"_ _1\"></span>eutl\u00e5n til<span class=\"_ _1\"></span> kunder klassifisert som bestemt<span class=\"_ _1\"></span> regnskapsf<span class=\"_ _1\"></span>\u00f8rt til virk<span class=\"_ _1\"></span>elig ver<span class=\"_ _1\"></span>di.</span><span style=\"display:inherit;clear:left;\">T<span class=\"_ _2\"></span>abellene under angir de balansemessige, \u00f8k<span class=\"_ _1\"></span>onomiske<span class=\"_ _1\"></span> konsekvensene<span class=\"_ _1\"></span> ved gitte<span class=\"_ _1\"></span> rent<span class=\"_ _1\"></span>eendringer p\u00e5<span class=\"_ _1\"></span> konserne<span class=\"_ _1\"></span>ts og  morbank<span class=\"_ _1\"></span>ens </span><span style=\"display:inherit;clear:left;\">totalbalanse.<span class=\"_ _1\"></span> F<span class=\"_ _1\"></span>r<span class=\"_ _1\"></span>a og med<span class=\"_ _1\"></span> 2020<span class=\"_ _1\"></span> har bank<span class=\"_ _1\"></span>en m\u00e5lt<span class=\"_ _1\"></span> og oper<span class=\"_ _1\"></span>ativt styrt ren<span class=\"_ _1\"></span>terisik<span class=\"_ _1\"></span>oen ut f<span class=\"_ _1\"></span>ra<span class=\"_ _1\"></span> seks ulik<span class=\"_ _1\"></span>e sjokk<span class=\"_ _1\"></span>scenarioer for<span class=\"_ _1\"></span>delt p\u00e5<span class=\"_ _1\"></span> 19 </span><span style=\"display:inherit;clear:left;\">tidsintervaller<span class=\"_ _0\"></span>, jf<span class=\"_ _1\"></span>. EB<span class=\"_ _1\"></span>A Guideline 2<span class=\"_ _1\"></span>018<span class=\"_ _1\"></span>/02.<span class=\"_ _1\"></span> De seks<span class=\"_ _1\"></span> sjokkscenarioene er som<span class=\"_ _1\"></span> f\u00f8lger;<span class=\"_ _1\"></span><span class=\"ls0 ws0\"> </span></span><span style=\"display:inherit;clear:left;\">1) Parall<span class=\"_ _8\"></span>ellfo<span class=\"_ _8\"></span>rsk<span class=\"_ _8\"></span>y<span class=\"_ _8\"></span>vnin<span class=\"_ _8\"></span>g av hele ren<span class=\"_ _8\"></span>tekur<span class=\"_ _8\"></span>ven o<span class=\"_ _8\"></span>pp </span><span style=\"display:inherit;clear:left;\">2) Parall<span class=\"_ _8\"></span>ellfo<span class=\"_ _8\"></span>rsk<span class=\"_ _8\"></span>y<span class=\"_ _8\"></span>vnin<span class=\"_ _8\"></span>g av hele ren<span class=\"_ _8\"></span>tekur<span class=\"_ _8\"></span>ven n<span class=\"_ _8\"></span>ed </span><span style=\"display:inherit;clear:left;\">3) Kor<span class=\"_ _8\"></span>te renter o<span class=\"_ _8\"></span>pp </span><span style=\"display:inherit;clear:left;\">4) Korte re<span class=\"_ _8\"></span>nter ne<span class=\"_ _8\"></span>d </span><span style=\"display:inherit;clear:left;\">5)<span class=\"_ _1\"></span> Bra<span class=\"_ _1\"></span>ttere<span class=\"_ _1\"></span> rent<span class=\"_ _1\"></span>ekurve \u2013 k<span class=\"_ _1\"></span>orte r<span class=\"_ _1\"></span>enter<span class=\"_ _1\"></span> ned, lange<span class=\"_ _1\"></span> rent<span class=\"_ _1\"></span>er opp sam<span class=\"_ _1\"></span>tidig<span class=\"ls0 ws0\"> </span></span><span style=\"display:inherit;clear:left;\">6)<span class=\"_ _1\"></span> Flat<span class=\"_ _1\"></span>ere r<span class=\"_ _1\"></span>ent<span class=\"_ _1\"></span>ekurve \u2013  k<span class=\"_ _1\"></span>orte ren<span class=\"_ _1\"></span>ter opp<span class=\"_ _1\"></span>, lang<span class=\"_ _1\"></span>e ren<span class=\"_ _1\"></span>ter ned<span class=\"_ _1\"></span> samtidig</span><span style=\"display:inherit;clear:left;\">P\u00e5 kons<span class=\"_ _8\"></span>ernn<span class=\"_ _8\"></span>iv\u00e5 innv<span class=\"_ _8\"></span>ilget s<span class=\"_ _8\"></span>tyret e<span class=\"_ _8\"></span>n ramm<span class=\"_ _8\"></span>e p\u00e5 250 mil<span class=\"_ _8\"></span>lio<span class=\"_ _8\"></span>ner for re<span class=\"_ _8\"></span>nteri<span class=\"_ _8\"></span>siko i 2023<span class=\"_ _8\"></span>. Styre ve<span class=\"_ _8\"></span>dtok e<span class=\"_ _8\"></span>n opp<span class=\"_ _8\"></span>juste<span class=\"_ _8\"></span>rin<span class=\"_ _8\"></span>g av rammen t<span class=\"_ _8\"></span>il 275 </span><span style=\"display:inherit;clear:left;\">mil<span class=\"_ _8\"></span>lion<span class=\"_ _8\"></span>er i mi<span class=\"_ _8\"></span>dten av de<span class=\"_ _8\"></span>sem<span class=\"_ _8\"></span>ber 20<span class=\"_ _8\"></span>23 som e<span class=\"_ _8\"></span>r g<span class=\"_ _8\"></span>je<span class=\"_ _8\"></span>lde<span class=\"_ _8\"></span>nde fo<span class=\"_ _8\"></span>r 2024. E<span class=\"_ _1\"></span>tte<span class=\"_ _8\"></span>rsom m<span class=\"_ _8\"></span>orb<span class=\"_ _8\"></span>anken ove<span class=\"_ _8\"></span>rf\u00f8<span class=\"_ _8\"></span>rer s\u00e5 go<span class=\"_ _8\"></span>dt som a<span class=\"_ _8\"></span>lt av kva<span class=\"_ _8\"></span>lif<span class=\"_ _8\"></span>iser<span class=\"_ _8\"></span>te </span><span style=\"display:inherit;clear:left;\">boligl\u00e5n til Sparebank<span class=\"_ _1\"></span>en V<span class=\"_ _2\"></span>e<span class=\"_ _8\"></span>st Boligkreditt, mens<span class=\"_ _1\"></span> alt a<span class=\"_ _1\"></span>v in<span class=\"_ _1\"></span>nskudd blir liggende ig<span class=\"_ _8\"></span>jen i morbank<span class=\"_ _1\"></span>en, oppst\u00e5r<span class=\"_ _1\"></span> en skjevhe<span class=\"_ _1\"></span>t i </span><span style=\"display:inherit;clear:left;\">rent<span class=\"_ _1\"></span>erisikom\u00e5<span class=\"_ _1\"></span>lingen p\u00e5<span class=\"_ _1\"></span> morbankniv\u00e5. Bank<span class=\"_ _1\"></span>ens pers<span class=\"_ _1\"></span>pektiv p\u00e5 rent<span class=\"_ _1\"></span>erisik<span class=\"_ _1\"></span>o er derfor<span class=\"_ _0\"></span>, s\u00e6rlig med heleid boligkredittforetak, a<span class=\"_ _1\"></span>t<span class=\"_ _1\"></span> </span><span style=\"display:inherit;clear:left;\">konsernperspektivet<span class=\"_ _1\"></span> er det<span class=\"_ _1\"></span> mest rele<span class=\"_ _1\"></span>van<span class=\"_ _1\"></span>te og<span class=\"_ _1\"></span> derfor utgangspunktet f<span class=\"_ _1\"></span>or r<span class=\"_ _1\"></span>ammef<span class=\"_ _1\"></span>astsettelsen i ban<span class=\"_ _1\"></span>ken. S<span class=\"_ _1\"></span>parebank<span class=\"_ _1\"></span>en V<span class=\"_ _1\"></span>est<span class=\"_ _1\"></span> </span><span style=\"display:inherit;clear:left;\">Bo<span class=\"_ _8\"></span>lig<span class=\"_ _8\"></span>kred<span class=\"_ _8\"></span>itt ve<span class=\"_ _8\"></span>dta<span class=\"_ _8\"></span>r ogs<span class=\"_ _8\"></span>\u00e5 egen ram<span class=\"_ _8\"></span>me for re<span class=\"_ _8\"></span>nteri<span class=\"_ _8\"></span>siko.</span><span style=\"display:inherit;clear:left;\">MORBANK<span class=\"_ _12c\"> </span><span class=\"lsc wsc\">KONSERN</span></span><span style=\"display:inherit;clear:left;\">Rente<span class=\"_ _1\"></span>f\u00f8lsomhet<span class=\"_ _1\"></span> pr<span class=\"_ _2\"></span>. scenario</span><span style=\"display:inherit;clear:left;\">3<span class=\"_ _8\"></span>1/<span class=\"_ _a\"></span>1<span class=\"_ _8\"></span>2-2<span class=\"_ _8\"></span>2<span class=\"_ _10e\"> </span>3<span class=\"_ _8\"></span>1<span class=\"_ _8\"></span>/<span class=\"_ _8\"></span>1<span class=\"_ _8\"></span>2-2<span class=\"_ _8\"></span>3<span class=\"_ _287\"> </span>3<span class=\"_ _8\"></span>1/<span class=\"_ _a\"></span>1<span class=\"_ _8\"></span>2-2<span class=\"_ _8\"></span>3<span class=\"_ _19\"> </span>3<span class=\"_ _8\"></span>1<span class=\"_ _8\"></span>/<span class=\"_ _8\"></span>1<span class=\"_ _8\"></span>2-2<span class=\"_ _8\"></span>2</span><span style=\"display:inherit;clear:left;\">109<span class=\"_ _66\"> </span></span><span style=\"display:inherit;clear:left;\">-7<span class=\"_ _b8\"> </span></span><span style=\"display:inherit;clear:left;\">Parallellforskyvning opp<span class=\"_ _288\"> </span><span class=\"ls0 ws0\">-<span class=\"_ _1\"></span>110<span class=\"_ _96\"> </span><span class=\"ls132 ws1de\">87</span></span></span><span style=\"display:inherit;clear:left;\">-1<span class=\"_ _8\"></span>0<span class=\"_ _a\"></span>9<span class=\"_ _9d\"> </span></span><span style=\"display:inherit;clear:left;\">7<span class=\"_ _b9\"> </span></span><span style=\"display:inherit;clear:left;\">Parallellforsky<span class=\"_ _8\"></span>vning ned<span class=\"_ _1d4\"> </span><span class=\"ls14 ws14\">110<span class=\"_ _3e\"> </span><span class=\"ls120 ws1cb\">-87</span></span></span><span style=\"display:inherit;clear:left;\">85<span class=\"_ _12\"> </span></span><span style=\"display:inherit;clear:left;\">-24<span class=\"_ _b8\"> </span></span><span style=\"display:inherit;clear:left;\">Korte re<span class=\"_ _8\"></span>nter op<span class=\"_ _8\"></span>p<span class=\"_ _263\"> </span><span class=\"ls129 ws1d3\">-1<span class=\"_ _a\"></span>5<span class=\"_ _a\"></span>4<span class=\"_ _96\"> </span><span class=\"ls123 ws1cd\">92</span></span></span><span style=\"display:inherit;clear:left;\">-85<span class=\"_ _21a\"> </span></span><span style=\"display:inherit;clear:left;\">24<span class=\"_ _b8\"> </span></span><span style=\"display:inherit;clear:left;\">K<span class=\"_ _1\"></span>orte r<span class=\"_ _1\"></span>en<span class=\"_ _1\"></span>ter ned<span class=\"_ _289\"> </span><span class=\"ls133 ws1e0\">154<span class=\"_ _21a\"> </span><span class=\"lsf6 ws158\">-<span class=\"_ _8\"></span>92</span></span></span><span style=\"display:inherit;clear:left;\">-21<span class=\"_ _3e\"> </span><span class=\"ls0 ws0\">22<span class=\"_ _11a\"> </span>Bra<span class=\"_ _1\"></span>t<span class=\"_ _1\"></span>ter<span class=\"_ _1\"></span>e r<span class=\"_ _1\"></span>en<span class=\"_ _1\"></span>tekurv<span class=\"_ _1\"></span>e<span class=\"_ _270\"> </span>96<span class=\"_ _16\"> </span><span class=\"ls82 ws14b\">-45</span></span></span><span style=\"display:inherit;clear:left;\">45<span class=\"_ _12\"> </span></span><span style=\"display:inherit;clear:left;\">-<span class=\"_ _8\"></span>24<span class=\"_ _11a\"> </span></span><span style=\"display:inherit;clear:left;\">Flater<span class=\"_ _1\"></span>e r<span class=\"_ _1\"></span>en<span class=\"_ _1\"></span>tek<span class=\"_ _1\"></span>urve</span><span style=\"display:inherit;clear:left;\"><span class=\"_ _28a\"> </span></span><span style=\"display:inherit;clear:left;\">-<span class=\"_ _1\"></span>121</span><span style=\"display:inherit;clear:left;\"><span class=\"_ _9a\"> </span></span><span style=\"display:inherit;clear:left;\">64</span><span style=\"display:inherit;clear:left;\">Note 2<span class=\"_ _a\"></span>3 V<span class=\"_ _1\"></span>aluta<span class=\"_ _8\"></span>po<span class=\"_ _8\"></span>sisjon<span class=\"_ _8\"></span>er</span><span style=\"display:inherit;clear:left;\">T<span class=\"_ _2\"></span>abellen angir netto valu<span class=\"_ _1\"></span>taeksponering f<span class=\"_ _1\"></span>or Spar<span class=\"_ _1\"></span>ebanken<span class=\"_ _1\"></span> V<span class=\"_ _1\"></span>est pr<span class=\"_ _0\"></span>. 31/12 medr<span class=\"_ _1\"></span>egnet finansielle deriv<span class=\"_ _1\"></span>a<span class=\"_ _1\"></span>ter<span class=\"_ _2\"></span>. </span><span style=\"display:inherit;clear:left;\">V<span class=\"_ _2\"></span>aluta<span class=\"_ _28b\"> </span>USD<span class=\"_ _db\"> </span>EUR<span class=\"_ _c7\"> </span>GBP<span class=\"_ _db\"> </span>CHF<span class=\"_ _a3\"> </span>DKK<span class=\"_ _dc\"> </span>SEK<span class=\"_ _c0\"> </span>\u00d8vrige<span class=\"_ _28c\"> </span>A<span class=\"ls155 ws206\">gg<span class=\"ls13 ws13\">reg<span class=\"_ _8\"></span>e<span class=\"_ _8\"></span>rt</span></span></span><span style=\"display:inherit;clear:left;\">Net<span class=\"_ _1\"></span>to v<span class=\"_ _1\"></span>aluta<span class=\"_ _1\"></span>eksponering pr<span class=\"_ _0\"></span>. 31/12-<span class=\"_ _1\"></span>2<span class=\"_ _1\"></span>02<span class=\"_ _1\"></span>3<span class=\"_ _1f\"> </span>4<span class=\"_ _85\"> </span><span class=\"ls21 ws175\">23<span class=\"_ _74\"> </span></span>0<span class=\"_ _189\"> </span></span><span style=\"display:inherit;clear:left;\">-2<span class=\"_ _83\"> </span><span class=\"ls6 ws6\">-1<span class=\"_ _8\"></span>7<span class=\"_ _5d\"> </span></span></span><span style=\"display:inherit;clear:left;\">0<span class=\"_ _189\"> </span><span class=\"ls84 wsdf\">-2<span class=\"_ _75\"> </span></span>6</span><span style=\"display:inherit;clear:left;\">Resulta<span class=\"_ _0\"></span>t og EK<span class=\"_ _1\"></span>-e<span class=\"_ _1\"></span>ff<span class=\"_ _1\"></span>ekt ved endring i valut<span class=\"_ _1\"></span>ak<span class=\"_ _1\"></span>urs p\u00e5 5 %<span class=\"_ _5d\"> </span><span class=\"ls0\">0<span class=\"_ _1a\"> </span>1<span class=\"_ _74\"> </span>0<span class=\"_ _94\"> </span>0<span class=\"_ _94\"> </span><span class=\"ls6 ws6\">-1<span class=\"_ _5d\"> </span></span>0<span class=\"_ _94\"> </span>0<span class=\"_ _3e\"> </span>0</span></span><span style=\"display:inherit;clear:left;\">Net<span class=\"_ _1\"></span>to v<span class=\"_ _1\"></span>aluta<span class=\"_ _1\"></span>eksponering pr<span class=\"_ _0\"></span>. 31/12-<span class=\"_ _1\"></span>2<span class=\"_ _1\"></span>022<span class=\"_ _4f\"> </span></span><span style=\"display:inherit;clear:left;\">-<span class=\"_ _8\"></span>57<span class=\"_ _85\"> </span></span><span style=\"display:inherit;clear:left;\">85<span class=\"_ _108\"> </span></span><span style=\"display:inherit;clear:left;\">-7<span class=\"_ _65\"> </span><span class=\"ls120 ws1cb\">-4<span class=\"_ _cc\"> </span></span></span><span style=\"display:inherit;clear:left;\">-64<span class=\"_ _65\"> </span><span class=\"ls84 wsdf\">-3<span class=\"_ _5d\"> </span></span>2<span class=\"_ _6f\"> </span><span class=\"ls13e ws1ec\">-<span class=\"_ _a\"></span>47</span></span><span style=\"display:inherit;clear:left;\">Resulta<span class=\"_ _0\"></span>t og EK<span class=\"_ _1\"></span>-e<span class=\"_ _1\"></span>ff<span class=\"_ _1\"></span>ekt ved endring i valut<span class=\"_ _1\"></span>ak<span class=\"_ _1\"></span>urs p\u00e5 5 %<span class=\"_ _86\"> </span><span class=\"ls84 wsdf\">-3<span class=\"_ _74\"> </span></span></span><span style=\"display:inherit;clear:left;\">4</span><span style=\"display:inherit;clear:left;\"><span class=\"_ _94\"> </span></span><span style=\"display:inherit;clear:left;\">0</span><span style=\"display:inherit;clear:left;\"><span class=\"_ _74\"> </span></span><span style=\"display:inherit;clear:left;\">0</span><span style=\"display:inherit;clear:left;\"><span class=\"_ _65\"> </span><span class=\"ls84 wsdf\">-3<span class=\"_ _74\"> </span></span></span><span style=\"display:inherit;clear:left;\">0</span><span style=\"display:inherit;clear:left;\"><span class=\"_ _94\"> </span></span><span style=\"display:inherit;clear:left;\">0</span><span style=\"display:inherit;clear:left;\"><span class=\"_ _11\"> </span><span class=\"ls84 wsdf\">-2</span></span>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfMarketRiskExplanatory",
    "language": "no",
    "entity": "scheme:213800M7T3CYVZ3ZRT12",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "s10_notes__6__37-1": {
   "value": "<span style=\"display:inherit;clear:left;\">Likvidite<span class=\"_ _1\"></span>tsrisik<span class=\"_ _1\"></span>o <span class=\"ff4\">bes<span class=\"_ _1\"></span>t\u00e5r a<span class=\"_ _1\"></span>v to elemen<span class=\"_ _1\"></span>t<span class=\"_ _1\"></span>er; re<span class=\"_ _1\"></span>finansieringsrisik<span class=\"_ _1\"></span>o og </span></span><span style=\"display:inherit;clear:left;\">prisrisiko<span class=\"_ _1\"></span>. Med r<span class=\"_ _1\"></span>efinansieringsrisik<span class=\"_ _1\"></span>o menes risikoen f<span class=\"_ _1\"></span>or ikk<span class=\"_ _1\"></span>e \u00e5 </span><span style=\"display:inherit;clear:left;\">v<span class=\"_ _1\"></span>\u00e6re i s<span class=\"_ _1\"></span>tand til \u00e5 r<span class=\"_ _1\"></span>e<span class=\"_ _1\"></span>finansiere gjeld og ikk<span class=\"_ _1\"></span>e ha evne til \u00e5 finansier<span class=\"_ _1\"></span>e </span><span style=\"display:inherit;clear:left;\">en \u00f8kning i eiendeler<span class=\"_ _2\"></span>. Med prisrisiko menes risik<span class=\"_ _1\"></span>oen f<span class=\"_ _1\"></span>or ikk<span class=\"_ _1\"></span>e \u00e5 </span><span style=\"display:inherit;clear:left;\">v<span class=\"_ _1\"></span>\u00e6re i s<span class=\"_ _1\"></span>tand til \u00e5 r<span class=\"_ _1\"></span>e<span class=\"_ _1\"></span>finansiere f<span class=\"_ _1\"></span>orplikt<span class=\"_ _1\"></span>elser uten a<span class=\"_ _2\"></span>t det oppst\u00e5r </span><span style=\"display:inherit;clear:left;\">vesen<span class=\"_ _1\"></span>tlig<span class=\"_ _1\"></span>e ekstr<span class=\"_ _1\"></span>a<span class=\"_ _1\"></span>omkos<span class=\"_ _1\"></span>tninger i f<span class=\"_ _1\"></span>orm a<span class=\"_ _1\"></span>v ek<span class=\"_ _1\"></span>str<span class=\"_ _1\"></span>a dyr finansiering </span><span style=\"display:inherit;clear:left;\">eller prisf<span class=\"_ _1\"></span>all p\u00e5 eiendeler som m\u00e5 r<span class=\"_ _1\"></span>ealiser<span class=\"_ _1\"></span>es. Str<span class=\"_ _1\"></span>a<span class=\"_ _1\"></span>t<span class=\"_ _1\"></span>egisk styr<span class=\"_ _1\"></span>es </span><span style=\"display:inherit;clear:left;\">likvidite<span class=\"_ _1\"></span>tsrisikoen v<span class=\"_ _1\"></span>ed e<span class=\"_ _1\"></span>tablering a<span class=\"_ _1\"></span>v s<span class=\"_ _1\"></span>tyringsm\u00e5l og r<span class=\"_ _1\"></span>ammer </span><span style=\"display:inherit;clear:left;\">gjennom likvidite<span class=\"_ _1\"></span>tsrisikos<span class=\"_ _1\"></span>tr<span class=\"_ _1\"></span>a<span class=\"_ _1\"></span>tegien, som f<span class=\"_ _1\"></span>\u00f8lger a<span class=\"_ _2\"></span>v bankens </span><span style=\"display:inherit;clear:left;\">ILAAP-pr<span class=\"_ _1\"></span>osess. Bank<span class=\"_ _1\"></span>en har m\u00e5l og r<span class=\"_ _1\"></span>ammer f<span class=\"_ _1\"></span>or samle<span class=\"_ _1\"></span>t </span><span style=\"display:inherit;clear:left;\">likvidite<span class=\"_ _1\"></span>tsporte<span class=\"_ _1\"></span>f<span class=\"_ _1\"></span>\u00f8lje, L<span class=\"_ _1\"></span>CR, NSFR, ne<span class=\"_ _1\"></span>tt<span class=\"_ _1\"></span>o finansieringsbeho<span class=\"_ _1\"></span>v de </span><span style=\"display:inherit;clear:left;\">nest<span class=\"_ _1\"></span>e 3 m\u00e5neder (nominelt bel\u00f8p) og stabil finansieringsgr<span class=\"_ _1\"></span>a<span class=\"_ _1\"></span>d per </span><span style=\"display:inherit;clear:left;\">segment (innsk<span class=\"_ _1\"></span>udd under innskuddsgar<span class=\"_ _1\"></span>an<span class=\"_ _1\"></span>tien som andel a<span class=\"_ _1\"></span>v </span><span style=\"display:inherit;clear:left;\">net<span class=\"_ _1\"></span>to utl\u00e5n per segmen<span class=\"_ _1\"></span>t). Bank<span class=\"_ _1\"></span>ens T<span class=\"_ _2\"></span>reasury<span class=\"_ _1\"></span>-funksjon er </span><span style=\"display:inherit;clear:left;\">gjennom likvidite<span class=\"_ _1\"></span>tsrisikos<span class=\"_ _1\"></span>tr<span class=\"_ _1\"></span>a<span class=\"_ _1\"></span>tegi med v<span class=\"_ _1\"></span>edlegg tildelt oper<span class=\"_ _1\"></span>a<span class=\"_ _1\"></span>tiv<span class=\"_ _1\"></span>e </span><span style=\"display:inherit;clear:left;\">fullmakter til \u00e5 s<span class=\"_ _1\"></span>tyre likvidit<span class=\"_ _1\"></span>e<span class=\"_ _1\"></span>tsrisikoen i bank<span class=\"_ _1\"></span>en innen<span class=\"_ _1\"></span>f<span class=\"_ _1\"></span>or de </span><span style=\"display:inherit;clear:left;\">nevn<span class=\"_ _1\"></span>te s<span class=\"_ _1\"></span>tyringsr<span class=\"_ _1\"></span>ammene. Konkr<span class=\"_ _1\"></span>e<span class=\"_ _1\"></span>t medf<span class=\"_ _1\"></span>\u00f8r<span class=\"_ _1\"></span>er det<span class=\"_ _1\"></span>te blan<span class=\"_ _1\"></span>t anne<span class=\"_ _1\"></span>t </span><span style=\"display:inherit;clear:left;\">ambisjoner om en jevn f<span class=\"_ _1\"></span>orf<span class=\"_ _1\"></span>allspr<span class=\"_ _1\"></span>ofil p\u00e5 bank<span class=\"_ _1\"></span>ens </span><span style=\"display:inherit;clear:left;\">kapitalmarkeds<span class=\"_ _1\"></span>finansiering, samt tiltak som sikr<span class=\"_ _1\"></span>er bank<span class=\"_ _1\"></span>ens </span><span style=\"display:inherit;clear:left;\">handlefrihe<span class=\"_ _1\"></span>t under ulike mark<span class=\"_ _1\"></span>eds<span class=\"_ _1\"></span>f<span class=\"_ _1\"></span>orhold, eksempelvis gjennom </span><span style=\"display:inherit;clear:left;\">bruk a<span class=\"_ _1\"></span>v finansielle instrumen<span class=\"_ _1\"></span>ter eller pr<span class=\"_ _1\"></span>e-<span class=\"_ _1\"></span>finansiering a<span class=\"_ _1\"></span>v </span><span style=\"display:inherit;clear:left;\">obligasjonsf<span class=\"_ _1\"></span>orf<span class=\"_ _1\"></span>all. F<span class=\"_ _2\"></span>or n\u00e6rmere beskriv<span class=\"_ _1\"></span>else a<span class=\"_ _1\"></span>v likvidit<span class=\"_ _1\"></span>etsrisik<span class=\"_ _1\"></span>o se </span><span style=\"display:inherit;clear:left;\">not<span class=\"_ _1\"></span>e 2<span class=\"_ _1\"></span>7<span class=\"_ _0\"></span>.</span><span style=\"display:inherit;clear:left;\">Operasjonell risik<span class=\"_ _1\"></span>o <span class=\"ff4\">er risik<span class=\"_ _1\"></span>o f<span class=\"_ _1\"></span>or tap som f<span class=\"_ _1\"></span>\u00f8lge a<span class=\"_ _1\"></span>v utils<span class=\"_ _1\"></span>tr<span class=\"_ _1\"></span>ekkelig<span class=\"_ _1\"></span>e </span></span><span style=\"display:inherit;clear:left;\">eller sviktende in<span class=\"_ _1\"></span>t<span class=\"_ _1\"></span>erne pr<span class=\"_ _1\"></span>osesser eller s<span class=\"_ _1\"></span>ys<span class=\"_ _1\"></span>temer<span class=\"_ _0\"></span>, menneskelige </span><span style=\"display:inherit;clear:left;\">feil eller ek<span class=\"_ _1\"></span>st<span class=\"_ _1\"></span>erne hendelser<span class=\"_ _0\"></span>. </span><span style=\"display:inherit;clear:left;\">Andr<span class=\"_ _1\"></span>e risikoomr<span class=\"_ _1\"></span>\u00e5<span class=\"_ _1\"></span>der: </span><span style=\"display:inherit;clear:left;\">Eierrisik<span class=\"_ _1\"></span>o<span class=\"ff4\"> definer<span class=\"_ _1\"></span>es som risik<span class=\"_ _1\"></span>o f<span class=\"_ _1\"></span>or tap eller n\u00f8dv<span class=\"_ _1\"></span>endig p\u00e5<span class=\"_ _1\"></span>fyll av </span></span><span style=\"display:inherit;clear:left;\">ny kapital i selsk<span class=\"_ _1\"></span>aper hv<span class=\"_ _1\"></span>or banken har s<span class=\"_ _1\"></span>tr<span class=\"_ _1\"></span>a<span class=\"_ _1\"></span>tegisk eier<span class=\"_ _1\"></span>andel, som </span><span style=\"display:inherit;clear:left;\">f\u00f8lg<span class=\"_ _1\"></span>e a<span class=\"_ _1\"></span>v den underligg<span class=\"_ _1\"></span>ende risikoen i slik<span class=\"_ _1\"></span>e selskaper<span class=\"_ _0\"></span>. </span><span style=\"display:inherit;clear:left;\">F<span class=\"_ _2\"></span>orsikringsrisiko.<span class=\"ff4\"> De<span class=\"_ _1\"></span>t tilkn<span class=\"_ _1\"></span>ytt<span class=\"_ _1\"></span>ede selskapet F<span class=\"_ _2\"></span>rende har </span></span><span style=\"display:inherit;clear:left;\">for<span class=\"_ _1\"></span>sikringsrisiko<span class=\"_ _1\"></span>. Spar<span class=\"_ _1\"></span>ebanken V<span class=\"_ _2\"></span>est p\u00e5<span class=\"_ _1\"></span>virk<span class=\"_ _1\"></span>es a<span class=\"_ _1\"></span>v denne gjennom </span><span style=\"display:inherit;clear:left;\">sin eierandel i selsk<span class=\"_ _1\"></span>apet. </span><span style=\"display:inherit;clear:left;\">Klimarisik<span class=\"_ _1\"></span>o <span class=\"ff4\">er risiko kn<span class=\"_ _1\"></span>ytt<span class=\"_ _1\"></span>e<span class=\"_ _1\"></span>t til klimaendringer og k<span class=\"_ _1\"></span>an f<span class=\"_ _1\"></span>\u00f8re til \u00f8kt </span></span><span style=\"display:inherit;clear:left;\">kredit<span class=\"_ _1\"></span>trisik<span class=\"_ _1\"></span>o, finansielle tap eller r<span class=\"_ _1\"></span>edusert tilgang p\u00e5 kapital. </span><span style=\"display:inherit;clear:left;\">Banken anser fysisk risik<span class=\"_ _1\"></span>o og o<span class=\"_ _1\"></span>ver<span class=\"_ _1\"></span>gangsrisik<span class=\"_ _1\"></span>o i bank<span class=\"_ _1\"></span>ens </span><span style=\"display:inherit;clear:left;\">utl\u00e5nsportef<span class=\"_ _1\"></span>\u00f8lje og finansielle plas<span class=\"_ _1\"></span>seringer som h\u00f8<span class=\"_ _1\"></span>y<span class=\"_ _1\"></span>st r<span class=\"_ _1\"></span>ele<span class=\"_ _1\"></span>v<span class=\"_ _1\"></span>ant<span class=\"_ _1\"></span>e </span><span style=\"display:inherit;clear:left;\">risikoomr<span class=\"_ _1\"></span>\u00e5der<span class=\"_ _0\"></span>. F<span class=\"_ _1\"></span>ysisk risik<span class=\"_ _1\"></span>o kan f<span class=\"_ _1\"></span>\u00f8r<span class=\"_ _1\"></span>e til st<span class=\"_ _1\"></span>or<span class=\"_ _1\"></span>e finansielle tap, </span><span style=\"display:inherit;clear:left;\">redusert<span class=\"_ _1\"></span>e v<span class=\"_ _1\"></span>erdier p\u00e5 eiendeler<span class=\"_ _0\"></span>, sv<span class=\"_ _1\"></span>ekke<span class=\"_ _1\"></span>t kr<span class=\"_ _1\"></span>edittv<span class=\"_ _1\"></span>er<span class=\"_ _1\"></span>dighe<span class=\"_ _1\"></span>t hos </span><span style=\"display:inherit;clear:left;\">kunder og nega<span class=\"_ _1\"></span>tiv p\u00e5<span class=\"_ _1\"></span>virkning p\u00e5 v<span class=\"_ _1\"></span>er<span class=\"_ _1\"></span>dikjeder gjennom dir<span class=\"_ _1\"></span>ekte </span><span style=\"display:inherit;clear:left;\">skader p\u00e5 eiendeler eller indir<span class=\"_ _1\"></span>ekte virkning<span class=\"_ _1\"></span>er gjennom </span><span style=\"display:inherit;clear:left;\">for<span class=\"_ _1\"></span>styrr<span class=\"_ _1\"></span>elser a<span class=\"_ _1\"></span>v le<span class=\"_ _1\"></span>v<span class=\"_ _1\"></span>erand\u00f8rkjeden. Ov<span class=\"_ _1\"></span>er<span class=\"_ _1\"></span>gangsrisik<span class=\"_ _1\"></span>o kan f<span class=\"_ _1\"></span>\u00f8r<span class=\"_ _1\"></span>e til </span><span style=\"display:inherit;clear:left;\">endringer i v<span class=\"_ _1\"></span>er<span class=\"_ _1\"></span>dien a<span class=\"_ _1\"></span>v eiendeler<span class=\"_ _0\"></span>, tapt omd\u00f8mme, \u00f8kte k<span class=\"_ _1\"></span>ostna<span class=\"_ _1\"></span>der<span class=\"_ _2\"></span>, </span><span style=\"display:inherit;clear:left;\">\u00f8kt risiko f<span class=\"_ _1\"></span>or be<span class=\"_ _1\"></span>talingsmislighold, r<span class=\"_ _1\"></span>edusert tilgang til kapital og </span><span style=\"display:inherit;clear:left;\">str<span class=\"_ _1\"></span>andede eiendeler<span class=\"_ _0\"></span>.</span><span style=\"display:inherit;clear:left;\">Sparebank<span class=\"_ _1\"></span>en V<span class=\"_ _2\"></span>est har en omf<span class=\"_ _1\"></span>a<span class=\"_ _2\"></span>ttende b\u00e6r<span class=\"_ _1\"></span>ekra<span class=\"_ _2\"></span>ftstra<span class=\"_ _1\"></span>t<span class=\"_ _1\"></span>egi og tror </span><span style=\"display:inherit;clear:left;\">p\u00e5 finans som en viktig drivkra<span class=\"_ _2\"></span>ft i det gr\u00f8nne skift<span class=\"_ _1\"></span>e<span class=\"_ _1\"></span>t. </span><span style=\"display:inherit;clear:left;\">Sparebank<span class=\"_ _1\"></span>en V<span class=\"_ _2\"></span>est skal posisjoner<span class=\"_ _1\"></span>e seg f<span class=\"_ _1\"></span>or \u00f8kt konkurr<span class=\"_ _1\"></span>anse i </span><span style=\"display:inherit;clear:left;\">finansieringen a<span class=\"_ _1\"></span>v gr<span class=\"_ _1\"></span>\u00f8nne pr<span class=\"_ _1\"></span>osjekter og s<span class=\"_ _1\"></span>tiller s<span class=\"_ _1\"></span>treng<span class=\"_ _1\"></span>er<span class=\"_ _1\"></span>e kr<span class=\"_ _1\"></span>a<span class=\"_ _1\"></span>v til </span><span style=\"display:inherit;clear:left;\">kunder som ikke har handlingsplaner f<span class=\"_ _1\"></span>or gr<span class=\"_ _1\"></span>\u00f8nn oms<span class=\"_ _1\"></span>tilling. </span><span style=\"display:inherit;clear:left;\">Klimarisiko vur<span class=\"_ _1\"></span>der<span class=\"_ _1\"></span>es p\u00e5 lik linje med andr<span class=\"_ _1\"></span>e risiko<span class=\"_ _1\"></span>f<span class=\"_ _1\"></span>orhold i </span><span style=\"display:inherit;clear:left;\">bankens kr<span class=\"_ _1\"></span>edit<span class=\"_ _1\"></span>tproses<span class=\"_ _1\"></span>ser<span class=\"_ _0\"></span>. V<span class=\"_ _1\"></span>ed innvilg<span class=\"_ _1\"></span>else a<span class=\"_ _1\"></span>v l\u00e5n til bedrifts-</span><span style=\"display:inherit;clear:left;\">kunder benyt<span class=\"_ _1\"></span>tes e<span class=\"_ _1\"></span>t vur<span class=\"_ _1\"></span>deringsskjema f<span class=\"_ _1\"></span>or b\u00e6r<span class=\"_ _1\"></span>ekr<span class=\"_ _1\"></span>a<span class=\"_ _1\"></span>ft som er </span><span style=\"display:inherit;clear:left;\">tilpasse<span class=\"_ _1\"></span>t klimarela<span class=\"_ _2\"></span>terte utf<span class=\"_ _1\"></span>ordring<span class=\"_ _1\"></span>er knyt<span class=\"_ _1\"></span>te<span class=\"_ _1\"></span>t til h<span class=\"_ _1\"></span>ver br<span class=\"_ _1\"></span>ansje. </span><span style=\"display:inherit;clear:left;\">Estimert kapital- likvidit<span class=\"_ _1\"></span>e<span class=\"_ _1\"></span>t- og finansieringsbeho<span class=\"_ _1\"></span>v</span><span style=\"display:inherit;clear:left;\">Bankens pr<span class=\"_ _1\"></span>osess f<span class=\"_ _1\"></span>or vur<span class=\"_ _1\"></span>dering a<span class=\"_ _1\"></span>v fr<span class=\"_ _1\"></span>em<span class=\"_ _1\"></span>tidig kapital-, likvidit<span class=\"_ _1\"></span>et<span class=\"_ _1\"></span>- og </span><span style=\"display:inherit;clear:left;\">finansieringsbehov (IC<span class=\"_ _1\"></span>AAP og ILAAP) er f<span class=\"_ _1\"></span>orankr<span class=\"_ _1\"></span>e<span class=\"_ _1\"></span>t i </span><span style=\"display:inherit;clear:left;\">forr<span class=\"_ _1\"></span>e<span class=\"_ _1\"></span>tningss<span class=\"_ _1\"></span>tr<span class=\"_ _1\"></span>a<span class=\"_ _1\"></span>tegi (visjon, m\u00e5lbilde og f<span class=\"_ _1\"></span>orr<span class=\"_ _1\"></span>etningsid\u00e9) og </span><span style=\"display:inherit;clear:left;\">str<span class=\"_ _1\"></span>a<span class=\"_ _1\"></span>t<span class=\"_ _1\"></span>egiske tiltak som er prioritert f<span class=\"_ _1\"></span>or \u00e5 n\u00e5 bank<span class=\"_ _1\"></span>ens m\u00e5l. M\u00e5lsa<span class=\"_ _1\"></span>tt </span><span style=\"display:inherit;clear:left;\">utvikling fire \u00e5r fr<span class=\"_ _1\"></span>am i tid an<span class=\"_ _1\"></span>v<span class=\"_ _1\"></span>endes som grunnlag for vur<span class=\"_ _1\"></span>dering </span><span style=\"display:inherit;clear:left;\">a<span class=\"_ _1\"></span>v bankens kapitalbuf<span class=\"_ _1\"></span>f<span class=\"_ _1\"></span>er og -toler<span class=\"_ _1\"></span>anse. M\u00e5lsa<span class=\"_ _1\"></span>t<span class=\"_ _1\"></span>t utvikling et<span class=\"_ _1\"></span>t \u00e5r </span><span style=\"display:inherit;clear:left;\">fram i tid an<span class=\"_ _1\"></span>v<span class=\"_ _1\"></span>endes som grunnlag f<span class=\"_ _1\"></span>or vurdering a<span class=\"_ _2\"></span>v bankens </span><span style=\"display:inherit;clear:left;\">likvidite<span class=\"_ _1\"></span>tsbuff<span class=\"_ _1\"></span>er og eg<span class=\"_ _1\"></span>enfinansiering. Scenarioene skal gi r<span class=\"_ _1\"></span>etning </span><span style=\"display:inherit;clear:left;\">og niv<span class=\"_ _1\"></span>\u00e5 f<span class=\"_ _1\"></span>or bankens budsje<span class=\"_ _1\"></span>tt, og risik<span class=\"_ _1\"></span>o- og kapitalanalysen k<span class=\"_ _1\"></span>an </span><span style=\"display:inherit;clear:left;\">set<span class=\"_ _1\"></span>te f<span class=\"_ _1\"></span>\u00f8ring<span class=\"_ _1\"></span>er og begr<span class=\"_ _1\"></span>ensninger ut fr<span class=\"_ _1\"></span>a bankens finansielle o<span class=\"_ _1\"></span>g </span><span style=\"display:inherit;clear:left;\">operasjonelle k<span class=\"_ _1\"></span>apasite<span class=\"_ _1\"></span>t sam<span class=\"_ _1\"></span>t ekst<span class=\"_ _1\"></span>erne r<span class=\"_ _1\"></span>ammebeting<span class=\"_ _1\"></span>elser<span class=\"_ _0\"></span>.</span><span style=\"display:inherit;clear:left;\">F<span class=\"_ _2\"></span>or kredittrisik<span class=\"_ _1\"></span>o anv<span class=\"_ _1\"></span>ender Spar<span class=\"_ _1\"></span>ebanken V<span class=\"_ _2\"></span>est in<span class=\"_ _1\"></span>terne s<span class=\"_ _1\"></span>ys<span class=\"_ _1\"></span>temer </span><span style=\"display:inherit;clear:left;\">for es<span class=\"_ _1\"></span>timering a<span class=\"_ _1\"></span>v kapitalbeho<span class=\"_ _1\"></span>v<span class=\"_ _1\"></span>e<span class=\"_ _1\"></span>t. Basert p\u00e5 risikopar<span class=\"_ _1\"></span>ametr<span class=\"_ _1\"></span>e (PD/</span><span style=\"display:inherit;clear:left;\">L<span class=\"_ _1\"></span>GD/EAD) ber<span class=\"_ _1\"></span>egnes risiko<span class=\"_ _1\"></span>v<span class=\"_ _1\"></span>ekt<span class=\"_ _1\"></span>et kapital o<span class=\"_ _1\"></span>g forv<span class=\"_ _1\"></span>en<span class=\"_ _1\"></span>te<span class=\"_ _1\"></span>t tap<span class=\"_ _1\"></span>. </span><span style=\"display:inherit;clear:left;\">Banken es<span class=\"_ _1\"></span>timer<span class=\"_ _1\"></span>er ogs\u00e5 kapitalbeho<span class=\"_ _1\"></span>v f<span class=\"_ _1\"></span>or konsen<span class=\"_ _1\"></span>tr<span class=\"_ _1\"></span>asjonen i </span><span style=\"display:inherit;clear:left;\">kredit<span class=\"_ _1\"></span>tporte<span class=\"_ _1\"></span>f<span class=\"_ _1\"></span>\u00f8ljen. F<span class=\"_ _2\"></span>or den konsentr<span class=\"_ _1\"></span>asjonsrisik<span class=\"_ _1\"></span>oen </span><span style=\"display:inherit;clear:left;\">enkelt<span class=\"_ _1\"></span>engasjemen<span class=\"_ _1\"></span>t og br<span class=\"_ _1\"></span>ansjekonsen<span class=\"_ _1\"></span>tr<span class=\"_ _1\"></span>asjon p\u00e5<span class=\"_ _1\"></span>f<span class=\"_ _1\"></span>\u00f8r<span class=\"_ _1\"></span>er banken, </span><span style=\"display:inherit;clear:left;\">estimer<span class=\"_ _1\"></span>es kapitalbeho<span class=\"_ _1\"></span>v<span class=\"_ _1\"></span>e<span class=\"_ _1\"></span>t ved hjelp a<span class=\"_ _2\"></span>v Finanstilsyne<span class=\"_ _1\"></span>ts met<span class=\"_ _1\"></span>oder </span><span style=\"display:inherit;clear:left;\">beskre<span class=\"_ _1\"></span>v<span class=\"_ _1\"></span>et i v<span class=\"_ _1\"></span>edlegg til rundskriv 3/2<span class=\"_ _1\"></span>0<span class=\"_ _1\"></span>22.</span><span style=\"display:inherit;clear:left;\">Estimert kapitalbeho<span class=\"_ _1\"></span>v f<span class=\"_ _1\"></span>or markedsrisik<span class=\"_ _1\"></span>o under pilar 2 es<span class=\"_ _1\"></span>timeres </span><span style=\"display:inherit;clear:left;\">ved hjelp a<span class=\"_ _2\"></span>v Finanstilsyne<span class=\"_ _1\"></span>ts met<span class=\"_ _1\"></span>oder beskr<span class=\"_ _1\"></span>ev<span class=\"_ _1\"></span>e<span class=\"_ _1\"></span>t i v<span class=\"_ _1\"></span>edlegg til </span><span style=\"display:inherit;clear:left;\">rundskriv 3/20<span class=\"_ _1\"></span>22 f<span class=\"_ _1\"></span>or henholdsvis aksje-, r<span class=\"_ _1\"></span>en<span class=\"_ _1\"></span>t<span class=\"_ _1\"></span>e-, v<span class=\"_ _1\"></span>aluta<span class=\"_ _1\"></span>- og </span><span style=\"display:inherit;clear:left;\">kredit<span class=\"_ _1\"></span>tspr<span class=\"_ _1\"></span>eadrisik<span class=\"_ _1\"></span>o. E<span class=\"_ _1\"></span>t<span class=\"_ _1\"></span>ter<span class=\"_ _1\"></span>som banken ikk<span class=\"_ _1\"></span>e har handelsporte<span class=\"_ _1\"></span>f\u00f8ljer </span><span style=\"display:inherit;clear:left;\">beregnes de<span class=\"_ _1\"></span>t ikk<span class=\"_ _1\"></span>e kapitalbeho<span class=\"_ _1\"></span>v f<span class=\"_ _1\"></span>or markedsrisik<span class=\"_ _1\"></span>o under pilar 1. </span><span style=\"display:inherit;clear:left;\">Dog er det slik a<span class=\"_ _2\"></span>t aksjepostene risik<span class=\"_ _1\"></span>ov<span class=\"_ _1\"></span>ekt<span class=\"_ _1\"></span>es 100 % eller 150 % </span><span style=\"display:inherit;clear:left;\">a<span class=\"_ _1\"></span>vhengig av type ak<span class=\"_ _1\"></span>sjer<span class=\"_ _2\"></span>.</span><span style=\"display:inherit;clear:left;\">F<span class=\"_ _2\"></span>or eierrisiko beregnes de<span class=\"_ _1\"></span>t kun kapital f<span class=\"_ _1\"></span>or tilkn<span class=\"_ _1\"></span>ytt<span class=\"_ _1\"></span>ede selskaper </span><span style=\"display:inherit;clear:left;\">som ikke brut<span class=\"_ _1\"></span>tok<span class=\"_ _1\"></span>onsolider<span class=\"_ _1\"></span>es. Eierskape<span class=\"_ _1\"></span>t i F<span class=\"_ _2\"></span>rende Holding AS </span><span style=\"display:inherit;clear:left;\">medf<span class=\"_ _1\"></span>\u00f8rer b\u00e5<span class=\"_ _1\"></span>de en kapitalbelastning i pilar 1, sam<span class=\"_ _1\"></span>t i pilar 2. </span><span style=\"display:inherit;clear:left;\">Sistne<span class=\"_ _1\"></span>vnt<span class=\"_ _1\"></span>e ber<span class=\"_ _1\"></span>egnes i henhold til rundskriv 3/20<span class=\"_ _1\"></span>22 v<span class=\"_ _1\"></span>edlegg 4. </span><span style=\"display:inherit;clear:left;\">V<span class=\"_ _1\"></span>edlegg<span class=\"_ _1\"></span>e<span class=\"_ _1\"></span>t beskriver Finans<span class=\"_ _1\"></span>tils<span class=\"_ _1\"></span>ynets vur<span class=\"_ _1\"></span>dering a<span class=\"_ _1\"></span>v pilar 2<span class=\"_ _1\"></span>-kr<span class=\"_ _1\"></span>a<span class=\"_ _1\"></span>v </span><span style=\"display:inherit;clear:left;\">knyt<span class=\"_ _1\"></span>te<span class=\"_ _1\"></span>t til eierskap i f<span class=\"_ _1\"></span>orsikrings<span class=\"_ _1\"></span>virksomhe<span class=\"_ _1\"></span>ter<span class=\"_ _0\"></span>.</span><span style=\"display:inherit;clear:left;\">F<span class=\"_ _2\"></span>or operasjonell risiko an<span class=\"_ _1\"></span>vende<span class=\"_ _1\"></span>s regula<span class=\"_ _2\"></span>torisk kapital ogs\u00e5 til </span><span style=\"display:inherit;clear:left;\">bankens in<span class=\"_ _1\"></span>terne k<span class=\"_ _1\"></span>apitalbehov<span class=\"_ _2\"></span>.</span><span style=\"display:inherit;clear:left;\">Note 2<span class=\"_ _8\"></span>7<span class=\"_ _8\"></span> L<span class=\"_ _8\"></span>i<span class=\"_ _8\"></span>k<span class=\"_ _8\"></span>v<span class=\"_ _8\"></span>id<span class=\"_ _8\"></span>itetsr<span class=\"_ _a\"></span>isi<span class=\"_ _8\"></span>ko/rest<span class=\"_ _8\"></span>l\u00f8<span class=\"_ _8\"></span>pet<span class=\"_ _8\"></span>id</span><span style=\"display:inherit;clear:left;\">Likviditetsrisiko best\u00e5r av t<span class=\"_ _1\"></span>o elementer; r<span class=\"_ _1\"></span>efinansieringsrisiko og<span class=\"_ _1\"></span> prisrisiko. Med r<span class=\"_ _1\"></span>efinansieringsrisiko menes risik<span class=\"_ _1\"></span>oen for ikk<span class=\"_ _1\"></span>e \u00e5<span class=\"_ _1\"></span> </span><span style=\"display:inherit;clear:left;\">v\u00e6re i st<span class=\"_ _8\"></span>and t<span class=\"_ _8\"></span>il \u00e5 refi<span class=\"_ _8\"></span>nans<span class=\"_ _8\"></span>iere g<span class=\"_ _a\"></span>jel<span class=\"_ _8\"></span>d og ik<span class=\"_ _8\"></span>ke ha evne t<span class=\"_ _8\"></span>il \u00e5 fi<span class=\"_ _8\"></span>nans<span class=\"_ _8\"></span>iere e<span class=\"_ _8\"></span>n \u00f8kni<span class=\"_ _8\"></span>ng i ei<span class=\"_ _8\"></span>end<span class=\"_ _8\"></span>eler<span class=\"_ _1\"></span>. Med p<span class=\"_ _8\"></span>risr<span class=\"_ _8\"></span>isiko m<span class=\"_ _8\"></span>ene<span class=\"_ _8\"></span>s ris<span class=\"_ _8\"></span>ikoen fo<span class=\"_ _8\"></span>r ikke \u00e5 </span><span style=\"display:inherit;clear:left;\">v\u00e6r<span class=\"_ _1\"></span>e i stand<span class=\"_ _1\"></span> til \u00e5 r<span class=\"_ _1\"></span>efinansier<span class=\"_ _1\"></span>e f<span class=\"_ _1\"></span>orpliktelser uten<span class=\"_ _1\"></span> at<span class=\"_ _1\"></span> det oppst\u00e5r v<span class=\"_ _1\"></span>esentlige<span class=\"_ _1\"></span> ekstr<span class=\"_ _1\"></span>aomkostn<span class=\"_ _1\"></span>inger i<span class=\"_ _1\"></span> form<span class=\"_ _1\"></span> av<span class=\"_ _1\"></span> ekstr<span class=\"_ _1\"></span>a dyr<span class=\"_ _1\"></span> finansiering </span><span style=\"display:inherit;clear:left;\">eller prisf<span class=\"_ _1\"></span>all p\u00e5<span class=\"_ _1\"></span> eiendeler som m\u00e5<span class=\"_ _1\"></span> realiser<span class=\"_ _1\"></span>es. Stra<span class=\"_ _1\"></span>tegisk styr<span class=\"_ _1\"></span>es likviditetsrisik<span class=\"_ _1\"></span>oen ved<span class=\"_ _1\"></span> etablering a<span class=\"_ _1\"></span>v styringsm\u00e5l<span class=\"_ _1\"></span> og r<span class=\"_ _1\"></span>ammer g<span class=\"_ _8\"></span>jennom </span><span style=\"display:inherit;clear:left;\">likviditetsrisikostrat<span class=\"_ _1\"></span>egien, som f\u00f8lger a<span class=\"_ _1\"></span>v bankens<span class=\"_ _1\"></span> ILA<span class=\"_ _8\"></span>AP-<span class=\"_ _1\"></span>prosess. Banken har m\u00e5l og<span class=\"_ _1\"></span> rammer f<span class=\"_ _1\"></span>or samlet likviditetspor<span class=\"_ _8\"></span>tef\u00f8lje,<span class=\"_ _1\"></span> LCR, </span><span style=\"display:inherit;clear:left;\">NSFR og stabil<span class=\"_ _1\"></span> finansieringsgra<span class=\"_ _1\"></span>d per segment (<span class=\"_ _1\"></span>innskudd under<span class=\"_ _1\"></span> innskuddsgarantien<span class=\"_ _1\"></span> som andel<span class=\"_ _1\"></span> av<span class=\"_ _1\"></span> netto u<span class=\"_ _1\"></span>tl\u00e5n per segment)<span class=\"_ _1\"></span>. </span><span style=\"display:inherit;clear:left;\">Bankens T<span class=\"_ _2\"></span>reasury-<span class=\"_ _2\"></span>funksjon er g<span class=\"_ _8\"></span>jennom likvi<span class=\"_ _8\"></span>ditetsrisik<span class=\"_ _1\"></span>ostra<span class=\"_ _1\"></span>tegi med vedleg<span class=\"_ _8\"></span>g tildelt opera<span class=\"_ _1\"></span>tive fullmakter til<span class=\"_ _1\"></span> \u00e5 styre </span><span style=\"display:inherit;clear:left;\">likviditetsrisikoen<span class=\"_ _1\"></span> i bank<span class=\"_ _1\"></span>en innen<span class=\"_ _1\"></span>for de<span class=\"_ _1\"></span> nevnt<span class=\"_ _1\"></span>e styringsr<span class=\"_ _1\"></span>ammene. K<span class=\"_ _1\"></span>onkret<span class=\"_ _1\"></span> medf\u00f8r<span class=\"_ _1\"></span>er dette<span class=\"_ _1\"></span> blant an<span class=\"_ _1\"></span>net ambisjoner<span class=\"_ _1\"></span> om en je<span class=\"_ _1\"></span>vn </span><span style=\"display:inherit;clear:left;\">forfallspr<span class=\"_ _1\"></span>ofil p\u00e5<span class=\"_ _1\"></span> bankens<span class=\"_ _1\"></span> kapitalmark<span class=\"_ _1\"></span>edsfinansiering, samt til<span class=\"_ _1\"></span>tak som sikr<span class=\"_ _1\"></span>er bank<span class=\"_ _1\"></span>ens handle<span class=\"_ _1\"></span>frihet under<span class=\"_ _1\"></span> ulik<span class=\"_ _1\"></span>e mark<span class=\"_ _1\"></span>edsforhold, </span><span style=\"display:inherit;clear:left;\">eksempelvis g<span class=\"_ _8\"></span>jennom bruk<span class=\"_ _1\"></span> a<span class=\"_ _1\"></span>v finansielle i<span class=\"_ _1\"></span>nstrumenter<span class=\"_ _1\"></span> eller pr<span class=\"_ _1\"></span>e-<span class=\"_ _2\"></span>finansiering av<span class=\"_ _1\"></span> obligasjonsforfall.<span class=\"_ _1\"></span>  </span><span style=\"display:inherit;clear:left;\">St\u00f8rst<span class=\"_ _1\"></span>edelen a<span class=\"_ _1\"></span>v bank<span class=\"_ _1\"></span>ens langsi<span class=\"_ _1\"></span>ktige finansiering med l\u00f8petid<span class=\"_ _1\"></span> ov<span class=\"_ _1\"></span>er ett \u00e5r<span class=\"_ _1\"></span> til endelig<span class=\"_ _1\"></span> forfall<span class=\"_ _1\"></span> har a<span class=\"_ _1\"></span>vtalte ren<span class=\"_ _1\"></span>tebetinge<span class=\"_ _1\"></span>lser kn<span class=\"_ _1\"></span>yttet opp </span><span style=\"display:inherit;clear:left;\">til ko<span class=\"_ _8\"></span>rt<span class=\"_ _8\"></span>sik<span class=\"_ _8\"></span>ti<span class=\"_ _8\"></span>g renteb<span class=\"_ _8\"></span>indi<span class=\"_ _8\"></span>ng. D<span class=\"_ _8\"></span>et<span class=\"_ _8\"></span>te bli<span class=\"_ _8\"></span>r g<span class=\"_ _8\"></span>jo<span class=\"_ _8\"></span>rt fo<span class=\"_ _8\"></span>r \u00e5 redus<span class=\"_ _8\"></span>ere rente<span class=\"_ _8\"></span>risi<span class=\"_ _8\"></span>koen ve<span class=\"_ _8\"></span>d \u00e5 l\u00e5ne i<span class=\"_ _8\"></span>nn mi<span class=\"_ _8\"></span>dler m<span class=\"_ _8\"></span>ed l<span class=\"_ _8\"></span>ang l\u00f8<span class=\"_ _8\"></span>pet<span class=\"_ _8\"></span>id.</span><span style=\"display:inherit;clear:left;\">I ta<span class=\"_ _8\"></span>bell<span class=\"_ _8\"></span>en er o<span class=\"_ _8\"></span>bli<span class=\"_ _8\"></span>gas<span class=\"_ _8\"></span>jons<span class=\"_ _8\"></span>g<span class=\"_ _8\"></span>j<span class=\"_ _8\"></span>eld o<span class=\"_ _8\"></span>g inns<span class=\"_ _8\"></span>kud<span class=\"_ _8\"></span>d tat<span class=\"_ _8\"></span>t med t<span class=\"_ _8\"></span>il p\u00e5l<span class=\"_ _8\"></span>yden<span class=\"_ _8\"></span>de og p<span class=\"_ _8\"></span>las<span class=\"_ _8\"></span>ser<span class=\"_ _8\"></span>t i ti<span class=\"_ _8\"></span>dsb<span class=\"_ _8\"></span>\u00e5nd<span class=\"_ _8\"></span>et for en<span class=\"_ _8\"></span>deli<span class=\"_ _8\"></span>g for<span class=\"_ _8\"></span>fall el<span class=\"_ _8\"></span>ler c<span class=\"_ _8\"></span>all<span class=\"_ _8\"></span>dato. I de<span class=\"_ _8\"></span>n </span><span style=\"display:inherit;clear:left;\">tid<span class=\"_ _8\"></span>ligs<span class=\"_ _8\"></span>te pe<span class=\"_ _8\"></span>rio<span class=\"_ _8\"></span>den (i<span class=\"_ _8\"></span>nnt. 1 m<span class=\"_ _8\"></span>nd) er d<span class=\"_ _8\"></span>et tat<span class=\"_ _8\"></span>t med i<span class=\"_ _8\"></span>nnsk<span class=\"_ _8\"></span>udd p<span class=\"_ _8\"></span>\u00e5 anford<span class=\"_ _8\"></span>ring<span class=\"_ _8\"></span>, co<span class=\"_ _8\"></span>llateral<span class=\"_ _8\"></span>inns<span class=\"_ _8\"></span>kud<span class=\"_ _8\"></span>d sam<span class=\"_ _8\"></span>t l\u00e5ne<span class=\"_ _8\"></span>tils<span class=\"_ _8\"></span>ag<span class=\"_ _8\"></span>n og ub<span class=\"_ _8\"></span>eny<span class=\"_ _8\"></span>tte<span class=\"_ _8\"></span>de </span><span style=\"display:inherit;clear:left;\">k<span class=\"_ _a\"></span>r<span class=\"_ _a\"></span>e<span class=\"_ _a\"></span>d<span class=\"_ _a\"></span>i<span class=\"_ _a\"></span>t<span class=\"_ _a\"></span>t<span class=\"_ _a\"></span>e<span class=\"_ _a\"></span>r.</span><span style=\"display:inherit;clear:left;\">K<span class=\"_ _1\"></span>ONSERN </span><span style=\"display:inherit;clear:left;\">Inntil 1 </span><span style=\"display:inherit;clear:left;\">F<span class=\"_ _1\"></span>r<span class=\"_ _1\"></span>a 1\u2013<span class=\"_ _1\"></span>3 </span><span style=\"display:inherit;clear:left;\">F<span class=\"_ _1\"></span>r<span class=\"_ _1\"></span>a 3 mnd <span class=\"_ _4\"></span> </span><span style=\"display:inherit;clear:left;\">Restl\u00f8pe<span class=\"_ _1\"></span>tid  pr<span class=\"_ _0\"></span>. 31/12-<span class=\"_ _1\"></span>2<span class=\"_ _1\"></span>023</span><span style=\"display:inherit;clear:left;\">m\u00e5ned</span><span style=\"display:inherit;clear:left;\">m\u00e5neder</span><span style=\"display:inherit;clear:left;\">til 1 \u00e5r<span class=\"_ _eb\"> </span>F<span class=\"_ _1\"></span>r<span class=\"_ _1\"></span>a 1\u20135 \u00e5r<span class=\"_ _a5\"> </span>Over 5 \u00e5r<span class=\"_ _108\"> </span>T<span class=\"_ _2\"></span>otalt</span><span style=\"display:inherit;clear:left;\">Gjeld til kredit<span class=\"_ _1\"></span>tins<span class=\"_ _1\"></span>titusjoner <span class=\"_ _29e\"> </span></span><span style=\"display:inherit;clear:left;\">5<span class=\"_ _8\"></span> 424<span class=\"_ _21d\"> </span><span class=\"ls12c ws1d6\">30<span class=\"_ _4c\"> </span><span class=\"ls133 ws1e0\">5 454</span></span></span><span style=\"display:inherit;clear:left;\">Innskudd fr<span class=\"_ _1\"></span>a kunder<span class=\"_ _1e4\"> </span>116 45<span class=\"_ _1\"></span>1<span class=\"_ _5d\"> </span>4 719<span class=\"_ _ba\"> </span><span class=\"ls8 ws8\">2<span class=\"_ _8\"></span> 429<span class=\"_ _246\"> </span></span>123 59<span class=\"_ _1\"></span>9</span><span style=\"display:inherit;clear:left;\">Gjeld stift<span class=\"_ _1\"></span>et v<span class=\"_ _1\"></span>ed uts<span class=\"_ _1\"></span>tedelse a<span class=\"_ _2\"></span>v verdipapir<span class=\"_ _1\"></span>er<span class=\"_ _29f\"> </span><span class=\"ls82 ws14b\">50<span class=\"_ _94\"> </span></span>5 632<span class=\"_ _6b\"> </span>10 7<span class=\"_ _2\"></span>43<span class=\"_ _90\"> </span>121 366<span class=\"_ _74\"> </span>11 2<span class=\"_ _1\"></span>61<span class=\"_ _dc\"> </span>14<span class=\"_ _1\"></span>9 05<span class=\"_ _1\"></span>2</span><span style=\"display:inherit;clear:left;\">Rent<span class=\"_ _1\"></span>eutbe<span class=\"_ _1\"></span>talinger<span class=\"_ _7a\"> </span></span><span style=\"display:inherit;clear:left;\">2<span class=\"_ _8\"></span>28<span class=\"_ _91\"> </span><span class=\"ls136 ws1e3\">8<span class=\"_ _8\"></span>39<span class=\"_ _6e\"> </span></span></span><span style=\"display:inherit;clear:left;\">3 486<span class=\"_ _ba\"> </span>9 880<span class=\"_ _66\"> </span><span class=\"ls6b wsc3\">671<span class=\"_ _189\"> </span></span>15 104</span><span style=\"display:inherit;clear:left;\">L\u00e5netilsagn og uben<span class=\"_ _1\"></span>ytt<span class=\"_ _1\"></span>ede kr<span class=\"_ _1\"></span>editt<span class=\"_ _1\"></span>er<span class=\"_ _e4\"> </span>23 4<span class=\"_ _1\"></span>15<span class=\"_ _b0\"> </span>2<span class=\"_ _1\"></span>3 4<span class=\"_ _2\"></span>15</span><span style=\"display:inherit;clear:left;\">Ansv<span class=\"_ _1\"></span>arlig l\u00e5nekapital<span class=\"_ _2a0\"> </span><span class=\"ls82 ws14b\">500<span class=\"_ _93\"> </span></span>1 650<span class=\"_ _29\"> </span>2 150</span><span style=\"display:inherit;clear:left;\">Rent<span class=\"_ _1\"></span>eutbe<span class=\"_ _1\"></span>talinger<span class=\"_ _183\"> </span>5<span class=\"_ _226\"> </span></span><span style=\"display:inherit;clear:left;\">30<span class=\"_ _97\"> </span></span><span style=\"display:inherit;clear:left;\">87<span class=\"_ _68\"> </span><span class=\"ls126 ws1d0\">311<span class=\"_ _a7\"> </span><span class=\"ls9 ws9\">433</span></span></span><span style=\"display:inherit;clear:left;\">Sum utbetaling<span class=\"_ _1\"></span>er<span class=\"_ _13e\"> </span>30 06<span class=\"_ _1\"></span>6<span class=\"_ _9b\"> </span>11 220<span class=\"_ _6b\"> </span>17 275<span class=\"_ _dc\"> </span>133 20<span class=\"_ _2\"></span>7<span class=\"_ _189\"> </span>11 932<span class=\"_ _9f\"> </span>20<span class=\"_ _1\"></span>3 7<span class=\"_ _1\"></span>00</span><span style=\"display:inherit;clear:left;\">Finansielle deriv<span class=\"_ _1\"></span>a<span class=\"_ _1\"></span>t<span class=\"_ _1\"></span>er</span><span style=\"display:inherit;clear:left;\">Kon<span class=\"_ _1\"></span>tr<span class=\"_ _1\"></span>aktsmessig<span class=\"_ _1\"></span>e kon<span class=\"_ _1\"></span>tan<span class=\"_ _1\"></span>ts<span class=\"_ _1\"></span>tr\u00f8mmer ut<span class=\"_ _e4\"> </span></span><span style=\"display:inherit;clear:left;\">497<span class=\"_ _74\"> </span><span class=\"ls31 ws81\">6 0<span class=\"_ _8\"></span>57<span class=\"_ _5d\"> </span></span></span><span style=\"display:inherit;clear:left;\">4 519<span class=\"_ _9b\"> </span><span class=\"ls4a ws9d\">6<span class=\"_ _8\"></span>1<span class=\"_ _8\"></span> 76<span class=\"_ _8\"></span>8<span class=\"_ _6b\"> </span></span>10 886<span class=\"_ _83\"> </span><span class=\"ls137 ws1e4\">8<span class=\"_ _8\"></span>3<span class=\"_ _8\"></span> 726</span></span><span style=\"display:inherit;clear:left;\">Kon<span class=\"_ _1\"></span>tr<span class=\"_ _1\"></span>aktsmessig<span class=\"_ _1\"></span>e kon<span class=\"_ _1\"></span>tan<span class=\"_ _1\"></span>ts<span class=\"_ _1\"></span>tr\u00f8mmer inn<span class=\"_ _192\"> </span><span class=\"ls12c ws1d6\">30<span class=\"_ _8\"></span>6<span class=\"_ _94\"> </span></span>6 653<span class=\"_ _108\"> </span>3 500<span class=\"_ _cd\"> </span><span class=\"ls125 ws1cf\">62<span class=\"_ _8\"></span> 432<span class=\"_ _65\"> </span></span>11 42<span class=\"_ _2\"></span>4<span class=\"_ _83\"> </span>84 314</span><span style=\"display:inherit;clear:left;\">K<span class=\"_ _1\"></span>ONSERN </span><span style=\"display:inherit;clear:left;\">Inntil 1 </span><span style=\"display:inherit;clear:left;\">F<span class=\"_ _1\"></span>r<span class=\"_ _1\"></span>a 1\u2013<span class=\"_ _1\"></span>3 </span><span style=\"display:inherit;clear:left;\">F<span class=\"_ _1\"></span>r<span class=\"_ _1\"></span>a 3 mnd <span class=\"_ _4\"></span> </span><span style=\"display:inherit;clear:left;\">Restl\u00f8pe<span class=\"_ _1\"></span>tid pr<span class=\"_ _0\"></span>. 31/12-<span class=\"_ _1\"></span>2<span class=\"_ _1\"></span>022</span><span style=\"display:inherit;clear:left;\">m\u00e5ned</span><span style=\"display:inherit;clear:left;\">m\u00e5neder</span><span style=\"display:inherit;clear:left;\">til 1 \u00e5r<span class=\"_ _eb\"> </span>F<span class=\"_ _1\"></span>r<span class=\"_ _1\"></span>a 1\u20135 \u00e5r<span class=\"_ _a5\"> </span>Over 5 \u00e5r<span class=\"_ _108\"> </span>T<span class=\"_ _2\"></span>otalt</span><span style=\"display:inherit;clear:left;\">Gjeld til kredit<span class=\"_ _1\"></span>tins<span class=\"_ _1\"></span>titusjoner <span class=\"_ _2a1\"> </span><span class=\"ls133 ws1e0\">3 095<span class=\"_ _27a\"> </span>3 095</span></span><span style=\"display:inherit;clear:left;\">Rent<span class=\"_ _1\"></span>eutbe<span class=\"_ _1\"></span>talinger<span class=\"_ _183\"> </span>0<span class=\"_ _13b\"> </span>0</span><span style=\"display:inherit;clear:left;\">Innskudd fr<span class=\"_ _1\"></span>a kunder<span class=\"_ _17d\"> </span>10<span class=\"_ _2\"></span>7 701<span class=\"_ _1b\"> </span></span><span style=\"display:inherit;clear:left;\">3 251<span class=\"_ _1a\"> </span></span><span style=\"display:inherit;clear:left;\">1 292<span class=\"_ _9d\"> </span><span class=\"ls12c ws1d6\">30<span class=\"_ _e2\"> </span></span></span><span style=\"display:inherit;clear:left;\">112 2<span class=\"_ _1\"></span>7<span class=\"_ _0\"></span>4</span><span style=\"display:inherit;clear:left;\">Rent<span class=\"_ _1\"></span>eutbe<span class=\"_ _1\"></span>talinger<span class=\"_ _148\"> </span>14<span class=\"_ _226\"> </span></span><span style=\"display:inherit;clear:left;\">26<span class=\"_ _9d\"> </span><span class=\"ls12c ws1d6\">36<span class=\"_ _10c\"> </span></span></span><span style=\"display:inherit;clear:left;\">0<span class=\"_ _4b\"> </span>77</span><span style=\"display:inherit;clear:left;\">Gjeld stift<span class=\"_ _1\"></span>et v<span class=\"_ _1\"></span>ed uts<span class=\"_ _1\"></span>tedelse a<span class=\"_ _2\"></span>v verdipapir<span class=\"_ _1\"></span>er<span class=\"_ _f9\"> </span><span class=\"ls139 ws1e6\">38<span class=\"_ _94\"> </span></span>5 4<span class=\"_ _1\"></span>22<span class=\"_ _108\"> </span>9 200<span class=\"_ _87\"> </span><span class=\"ls4a ws9d\">9<span class=\"_ _8\"></span>8<span class=\"_ _8\"></span> 724<span class=\"_ _6e\"> </span></span>11 67<span class=\"_ _1\"></span>3<span class=\"_ _cc\"> </span>125 05<span class=\"_ _1\"></span>7</span><span style=\"display:inherit;clear:left;\">Rent<span class=\"_ _1\"></span>eutbe<span class=\"_ _1\"></span>talinger<span class=\"_ _296\"> </span></span><span style=\"display:inherit;clear:left;\">130<span class=\"_ _e9\"> </span></span><span style=\"display:inherit;clear:left;\">552<span class=\"_ _1a\"> </span><span class=\"ls109 ws16b\">1<span class=\"_ _8\"></span> 928<span class=\"_ _98\"> </span></span></span><span style=\"display:inherit;clear:left;\">5 118</span><span style=\"display:inherit;clear:left;\"><span class=\"_ _e9\"> </span><span class=\"ls4a ws9d\">270<span class=\"_ _74\"> </span><span class=\"ls82 ws14b\">7 998</span></span></span><span style=\"display:inherit;clear:left;\">L\u00e5netilsagn og uben<span class=\"_ _1\"></span>ytt<span class=\"_ _1\"></span>ede kr<span class=\"_ _1\"></span>editt<span class=\"_ _1\"></span>er<span class=\"_ _203\"> </span>22 67<span class=\"_ _0\"></span>4<span class=\"_ _154\"> </span>22 67<span class=\"_ _0\"></span>4</span><span style=\"display:inherit;clear:left;\">Ansv<span class=\"_ _1\"></span>arlig l\u00e5nekapital<span class=\"_ _2a2\"> </span>1 845<span class=\"_ _5d\"> </span>1 845</span><span style=\"display:inherit;clear:left;\">Rent<span class=\"_ _1\"></span>eutbe<span class=\"_ _1\"></span>talinger<span class=\"_ _211\"> </span>4<span class=\"_ _df\"> </span>17<span class=\"_ _20e\"> </span></span><span style=\"display:inherit;clear:left;\">57<span class=\"_ _66\"> </span></span><span style=\"display:inherit;clear:left;\">31<span class=\"_ _8\"></span>2<span class=\"_ _92\"> </span><span class=\"ls9 ws9\">135<span class=\"_ _91\"> </span><span class=\"ls138 ws1e5\">52<span class=\"_ _8\"></span>5</span></span></span><span style=\"display:inherit;clear:left;\">Sum utbetaling<span class=\"_ _1\"></span>er<span class=\"_ _1cd\"> </span>133 657<span class=\"_ _6e\"> </span><span class=\"lsf6 ws158\">9 268<span class=\"_ _65\"> </span></span>12 513<span class=\"_ _19a\"> </span>104 185<span class=\"_ _83\"> </span>13 923<span class=\"_ _d8\"> </span><span class=\"ls12f ws1d9\">273<span class=\"_ _8\"></span> 54<span class=\"_ _8\"></span>5</span></span><span style=\"display:inherit;clear:left;\">Finansielle deriv<span class=\"_ _1\"></span>a<span class=\"_ _1\"></span>t<span class=\"_ _1\"></span>er</span><span style=\"display:inherit;clear:left;\">Kon<span class=\"_ _1\"></span>tr<span class=\"_ _1\"></span>aktsmessig<span class=\"_ _1\"></span>e kon<span class=\"_ _1\"></span>tan<span class=\"_ _1\"></span>ts<span class=\"_ _1\"></span>tr\u00f8mmer ut<span class=\"_ _203\"> </span><span class=\"ls82 ws14b\">808<span class=\"_ _11\"> </span></span>5 711<span class=\"_ _94\"> </span></span><span style=\"display:inherit;clear:left;\">3 4<span class=\"_ _8\"></span>57<span class=\"_ _89\"> </span><span class=\"ls82 ws14b\">54 809<span class=\"_ _8e\"> </span></span></span><span style=\"display:inherit;clear:left;\">10 9<span class=\"_ _1\"></span>7<span class=\"_ _1\"></span>3<span class=\"_ _83\"> </span><span class=\"ls31 ws81\">75<span class=\"_ _8\"></span> 759</span></span><span style=\"display:inherit;clear:left;\">Kon<span class=\"_ _1\"></span>tr<span class=\"_ _1\"></span>aktsmessig<span class=\"_ _1\"></span>e kon<span class=\"_ _1\"></span>tan<span class=\"_ _1\"></span>ts<span class=\"_ _1\"></span>tr\u00f8mmer inn<span class=\"_ _2e\"> </span></span><span style=\"display:inherit;clear:left;\">76<span class=\"_ _8\"></span>1<span class=\"_ _72\"> </span></span><span style=\"display:inherit;clear:left;\">5 951<span class=\"_ _94\"> </span></span><span style=\"display:inherit;clear:left;\">2<span class=\"_ _8\"></span> 503<span class=\"_ _87\"> </span><span class=\"ls138 ws1e5\">52<span class=\"_ _8\"></span> 969<span class=\"_ _86\"> </span></span></span><span style=\"display:inherit;clear:left;\">10 531</span><span style=\"display:inherit;clear:left;\"><span class=\"_ _107\"> </span></span><span style=\"display:inherit;clear:left;\">72 714</span>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfLiquidityRiskExplanatory",
    "language": "no",
    "entity": "scheme:213800M7T3CYVZ3ZRT12",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "s10_notes__6__34": {
   "value": "<span style=\"display:inherit;clear:left;\">N<span class=\"_ _1\"></span>o<span class=\"_ _1\"></span>t<span class=\"_ _1\"></span>e 7 F<span class=\"_ _1\"></span>ina<span class=\"_ _1\"></span>ns<span class=\"_ _1\"></span>i<span class=\"_ _1\"></span>e<span class=\"_ _1\"></span>ll ris<span class=\"_ _1\"></span>ik<span class=\"_ _2\"></span>ostyring<span class=\"_ _1\"></span> </span><span style=\"display:inherit;clear:left;\">Risiko- og k<span class=\"_ _1\"></span>apitalstyring</span><span style=\"display:inherit;clear:left;\">God risiko- og kapitals<span class=\"_ _1\"></span>tyring er e<span class=\"_ _1\"></span>t sentr<span class=\"_ _1\"></span>alt s<span class=\"_ _1\"></span>tr<span class=\"_ _1\"></span>a<span class=\"_ _1\"></span>tegisk virkemiddel </span><span style=\"display:inherit;clear:left;\">i Sparebank<span class=\"_ _1\"></span>en V<span class=\"_ _2\"></span>ests v<span class=\"_ _1\"></span>erdisk<span class=\"_ _1\"></span>apning. God risiko- og kapitals<span class=\"_ _1\"></span>tyring </span><span style=\"display:inherit;clear:left;\">bidrar til l\u00f8nnsomhe<span class=\"_ _1\"></span>t og tilfr<span class=\"_ _1\"></span>edss<span class=\"_ _1\"></span>tillende r<span class=\"_ _1\"></span>a<span class=\"_ _1\"></span>ting slik a<span class=\"_ _1\"></span>t bank<span class=\"_ _1\"></span>en har </span><span style=\"display:inherit;clear:left;\">god tilgang til kapit<span class=\"_ _1\"></span>almarkede<span class=\"_ _1\"></span>t. F<span class=\"_ _2\"></span>or f<span class=\"_ _8\"></span>yldig inf<span class=\"_ _1\"></span>ormasjon om </span><span style=\"display:inherit;clear:left;\">risiko- og kapitals<span class=\"_ _1\"></span>tyringen vises de<span class=\"_ _1\"></span>t til Pilar 3-ma<span class=\"_ _2\"></span>terialet p\u00e5 </span><span style=\"display:inherit;clear:left;\">bankens hjemmeside.</span><span style=\"display:inherit;clear:left;\">Sparebank<span class=\"_ _1\"></span>en V<span class=\"_ _2\"></span>est har etablert egne risik<span class=\"_ _1\"></span>ostr<span class=\"_ _1\"></span>a<span class=\"_ _1\"></span>t<span class=\"_ _1\"></span>egier som </span><span style=\"display:inherit;clear:left;\">konkr<span class=\"_ _1\"></span>e<span class=\"_ _1\"></span>tiser<span class=\"_ _1\"></span>er styringsm\u00e5l og r<span class=\"_ _1\"></span>ammer f<span class=\"_ _1\"></span>or de<span class=\"_ _1\"></span>t enkelt<span class=\"_ _1\"></span>e risiko-</span><span style=\"display:inherit;clear:left;\">omr\u00e5<span class=\"_ _1\"></span>det, og v<span class=\"_ _1\"></span>edtas a<span class=\"_ _1\"></span>v s<span class=\"_ _1\"></span>tyr<span class=\"_ _1\"></span>et. Disse s<span class=\"_ _1\"></span>tr<span class=\"_ _1\"></span>a<span class=\"_ _1\"></span>tegiene r<span class=\"_ _1\"></span>evur<span class=\"_ _1\"></span>der<span class=\"_ _1\"></span>es mins<span class=\"_ _1\"></span>t </span><span style=\"display:inherit;clear:left;\">\u00e5rlig i sammenheng med bankens \u00f8<span class=\"_ _1\"></span>vrig<span class=\"_ _1\"></span>e planproses<span class=\"_ _1\"></span>s. Styrings<span class=\"_ _1\"></span>-</span><span style=\"display:inherit;clear:left;\">m\u00e5l og rammer sk<span class=\"_ _1\"></span>al bidr<span class=\"_ _1\"></span>a til \u00e5 sikre bank<span class=\"_ _1\"></span>ens l\u00f8nnsomhe<span class=\"_ _1\"></span>t, </span><span style=\"display:inherit;clear:left;\">solidite<span class=\"_ _1\"></span>t og likvidite<span class=\"_ _1\"></span>t p\u00e5 k<span class=\"_ _1\"></span>ort og lang sikt. </span><span style=\"display:inherit;clear:left;\">Styr<span class=\"_ _1\"></span>e<span class=\"_ _1\"></span>t deleger<span class=\"_ _1\"></span>er fullmakt<span class=\"_ _1\"></span>er til konsernsje<span class=\"_ _1\"></span>f innen<span class=\"_ _1\"></span>for h<span class=\"_ _1\"></span>v<span class=\"_ _1\"></span>ert av </span><span style=\"display:inherit;clear:left;\">risikoomr<span class=\"_ _1\"></span>\u00e5dene. F<span class=\"_ _2\"></span>or b\u00e5de P<span class=\"_ _1\"></span>erson- og Bedriftsmark<span class=\"_ _1\"></span>edet er de<span class=\"_ _1\"></span>t </span><span style=\"display:inherit;clear:left;\">etablert beslutningss<span class=\"_ _1\"></span>t<span class=\"_ _1\"></span>\u00f8t<span class=\"_ _1\"></span>te- og porte<span class=\"_ _1\"></span>f<span class=\"_ _1\"></span>\u00f8ljes<span class=\"_ _1\"></span>tyringss<span class=\"_ _1\"></span>ys<span class=\"_ _1\"></span>temer<span class=\"_ _0\"></span>.</span><span style=\"display:inherit;clear:left;\">Org<span class=\"_ _1\"></span>anisering og ansv<span class=\"_ _1\"></span>ar</span><span style=\"display:inherit;clear:left;\">Ansv<span class=\"_ _1\"></span>ar f<span class=\"_ _1\"></span>or og gjennom<span class=\"_ _1\"></span>f<span class=\"_ _1\"></span>\u00f8ring a<span class=\"_ _1\"></span>v bankens risik<span class=\"_ _1\"></span>o- og kapitals<span class=\"_ _1\"></span>tyring </span><span style=\"display:inherit;clear:left;\">og kon<span class=\"_ _1\"></span>tr<span class=\"_ _1\"></span>oll er delt mellom bankens s<span class=\"_ _1\"></span>tyr<span class=\"_ _1\"></span>e, ledelse og </span><span style=\"display:inherit;clear:left;\">forr<span class=\"_ _1\"></span>e<span class=\"_ _1\"></span>tningsenhe<span class=\"_ _1\"></span>ter<span class=\"_ _0\"></span>. </span><span style=\"display:inherit;clear:left;\">Styret<span class=\"_ _8\"></span><span class=\"ff4 ls0 ws0\"> i Spar<span class=\"_ _1\"></span>ebanken V<span class=\"_ _2\"></span>est har ansv<span class=\"_ _2\"></span>ar for \u00e5 f<span class=\"_ _1\"></span>astse<span class=\"_ _1\"></span>tt<span class=\"_ _1\"></span>e bankens </span></span><span style=\"display:inherit;clear:left;\">ov<span class=\"_ _1\"></span>er<span class=\"_ _1\"></span>or<span class=\"_ _1\"></span>dnede risik<span class=\"_ _1\"></span>ot<span class=\"_ _1\"></span>oler<span class=\"_ _1\"></span>anse. Videre sk<span class=\"_ _1\"></span>al Styr<span class=\"_ _1\"></span>e<span class=\"_ _1\"></span>t p\u00e5se a<span class=\"_ _1\"></span>t banken </span><span style=\"display:inherit;clear:left;\">har en ansv<span class=\"_ _1\"></span>arlig kapital som er tils<span class=\"_ _1\"></span>tr<span class=\"_ _1\"></span>ekkelig ut fr<span class=\"_ _1\"></span>a f<span class=\"_ _1\"></span>as<span class=\"_ _1\"></span>tsa<span class=\"_ _1\"></span>tt </span><span style=\"display:inherit;clear:left;\">risiko<span class=\"_ _1\"></span>toler<span class=\"_ _1\"></span>anse og bank<span class=\"_ _1\"></span>ens virksomhe<span class=\"_ _1\"></span>t, samt s\u00f8r<span class=\"_ _1\"></span>ge f<span class=\"_ _2\"></span>or at banken </span><span style=\"display:inherit;clear:left;\">er tilstr<span class=\"_ _1\"></span>ekk<span class=\"_ _1\"></span>elig kapitalisert ut fra r<span class=\"_ _1\"></span>egula<span class=\"_ _2\"></span>toriske kr<span class=\"_ _1\"></span>a<span class=\"_ _1\"></span>v<span class=\"_ _2\"></span>. Styre<span class=\"_ _1\"></span>t </span><span style=\"display:inherit;clear:left;\">vedtar o<span class=\"_ _1\"></span>gs\u00e5 bankens m\u00e5l og r<span class=\"_ _1\"></span>ammes<span class=\"_ _1\"></span>truktur innenf<span class=\"_ _1\"></span>or alle </span><span style=\"display:inherit;clear:left;\">risikoomr<span class=\"_ _1\"></span>\u00e5der<span class=\"_ _0\"></span>, herunder risikostr<span class=\"_ _1\"></span>a<span class=\"_ _2\"></span>tegier samt re<span class=\"_ _1\"></span>tningslinjer f<span class=\"_ _1\"></span>or </span><span style=\"display:inherit;clear:left;\">bankens risik<span class=\"_ _1\"></span>o- og kapitals<span class=\"_ _1\"></span>tyring. Rapportering i forhold til m\u00e5l </span><span style=\"display:inherit;clear:left;\">og rammer gj\u00f8r<span class=\"_ _1\"></span>es kv<span class=\"_ _1\"></span>artals<span class=\"_ _1\"></span>vis til styr<span class=\"_ _1\"></span>e<span class=\"_ _1\"></span>t. </span><span style=\"display:inherit;clear:left;\">St<span class=\"_ _1\"></span>yr<span class=\"_ _1\"></span>eut<span class=\"_ _1\"></span>va<span class=\"_ _1\"></span>lg kredit<span class=\"_ _2\"></span>t<span class=\"ff4\"> behandler kredittsak<span class=\"_ _1\"></span>er innen<span class=\"_ _1\"></span>for fullmakt<span class=\"_ _1\"></span>er </span></span><span style=\"display:inherit;clear:left;\">beslutt<span class=\"_ _1\"></span>et a<span class=\"_ _1\"></span>v S<span class=\"_ _1\"></span>tyr<span class=\"_ _1\"></span>et. </span><span style=\"display:inherit;clear:left;\">Re<span class=\"_ _1\"></span>visjons<span class=\"_ _1\"></span>ut<span class=\"_ _1\"></span>valge<span class=\"_ _1\"></span>t<span class=\"ff4\"> skal se til a<span class=\"_ _1\"></span>t Spar<span class=\"_ _1\"></span>ebank<span class=\"_ _1\"></span>en V<span class=\"_ _2\"></span>est har en </span></span><span style=\"display:inherit;clear:left;\">ua<span class=\"_ _1\"></span>vhengig og eff<span class=\"_ _1\"></span>ektiv eks<span class=\"_ _1\"></span>tern- og in<span class=\"_ _1\"></span>t<span class=\"_ _1\"></span>ernre<span class=\"_ _1\"></span>visjon sam<span class=\"_ _1\"></span>t r<span class=\"_ _1\"></span>egnskaps- </span><span style=\"display:inherit;clear:left;\">og risikor<span class=\"_ _1\"></span>apportering i sams<span class=\"_ _1\"></span>v<span class=\"_ _1\"></span>ar med lo<span class=\"_ _1\"></span>ver og f<span class=\"_ _1\"></span>or<span class=\"_ _1\"></span>skrifter<span class=\"_ _0\"></span>.  </span><span style=\"display:inherit;clear:left;\">Risik<span class=\"_ _1\"></span>out<span class=\"_ _1\"></span>va<span class=\"_ _1\"></span>lget<span class=\"ff4\"> skal se til a<span class=\"_ _2\"></span>t risiko- og kapitalstyring i </span></span><span style=\"display:inherit;clear:left;\">Sparebank<span class=\"_ _1\"></span>en V<span class=\"_ _2\"></span>est st<span class=\"_ _1\"></span>\u00f8t<span class=\"_ _1\"></span>ter opp under k<span class=\"_ _1\"></span>onserne<span class=\"_ _1\"></span>ts str<span class=\"_ _1\"></span>a<span class=\"_ _1\"></span>t<span class=\"_ _1\"></span>egiske </span><span style=\"display:inherit;clear:left;\">utvikling og m\u00e5loppn\u00e5else.</span><span style=\"display:inherit;clear:left;\">K<span class=\"_ _2\"></span>onsernsjef <span class=\"ff4\">har ansv<span class=\"_ _1\"></span>ar<span class=\"_ _1\"></span>e<span class=\"_ _1\"></span>t f<span class=\"_ _1\"></span>or bankens samlede risik<span class=\"_ _1\"></span>o- og </span></span><span style=\"display:inherit;clear:left;\">kapitalstyring, herunder \u00e5 sikr<span class=\"_ _1\"></span>e a<span class=\"_ _1\"></span>t banken til enh<span class=\"_ _1\"></span>v<span class=\"_ _1\"></span>er tid har gode </span><span style=\"display:inherit;clear:left;\">modeller og ramme<span class=\"_ _1\"></span>v<span class=\"_ _1\"></span>erk f<span class=\"_ _1\"></span>or styring og k<span class=\"_ _1\"></span>on<span class=\"_ _1\"></span>troll. Alle beslutning<span class=\"_ _1\"></span>er </span><span style=\"display:inherit;clear:left;\">knyt<span class=\"_ _1\"></span>te<span class=\"_ _1\"></span>t til risiko- og k<span class=\"_ _1\"></span>apitalstyring f<span class=\"_ _1\"></span>a<span class=\"_ _1\"></span>t<span class=\"_ _1\"></span>tes normalt se<span class=\"_ _1\"></span>tt a<span class=\"_ _2\"></span>v </span><span style=\"display:inherit;clear:left;\">Konsernsje<span class=\"_ _1\"></span>f i samr<span class=\"_ _1\"></span>\u00e5d med \u00f8<span class=\"_ _1\"></span>vrige medlemmer i bank<span class=\"_ _1\"></span>ens ledelse, </span><span style=\"display:inherit;clear:left;\">med mindre sak<span class=\"_ _1\"></span>en behandles i bank<span class=\"_ _1\"></span>ens styr<span class=\"_ _1\"></span>e.</span><span style=\"display:inherit;clear:left;\">Risk Mana<span class=\"_ _1\"></span>gement<span class=\"ff4\"> iv<span class=\"_ _2\"></span>aretar viktig<span class=\"_ _1\"></span>e funksjoner kn<span class=\"_ _1\"></span>ytt<span class=\"_ _1\"></span>et til s<span class=\"_ _1\"></span>tyring, </span></span><span style=\"display:inherit;clear:left;\">kon<span class=\"_ _1\"></span>tr<span class=\"_ _1\"></span>oll, r<span class=\"_ _1\"></span>apportering og analyse. Risk Manag<span class=\"_ _1\"></span>emen<span class=\"_ _1\"></span>t har ogs\u00e5 </span><span style=\"display:inherit;clear:left;\">ansv<span class=\"_ _1\"></span>ar f<span class=\"_ _1\"></span>or bankens modell- o<span class=\"_ _1\"></span>g ramme<span class=\"_ _1\"></span>v<span class=\"_ _1\"></span>erk f<span class=\"_ _1\"></span>or risiko- og </span><span style=\"display:inherit;clear:left;\">kapitalstyring.</span><span style=\"display:inherit;clear:left;\">V<span class=\"_ _1\"></span>aliderings<span class=\"_ _1\"></span>k<span class=\"_ _1\"></span>omit<span class=\"_ _1\"></span>\u00e9en<span class=\"ff4\"> behandler s\u00e5 v<span class=\"_ _1\"></span>el modellv<span class=\"_ _1\"></span>alidering som </span></span><span style=\"display:inherit;clear:left;\">v<span class=\"_ _1\"></span>alidering knyt<span class=\"_ _1\"></span>te<span class=\"_ _1\"></span>t til anv<span class=\"_ _1\"></span>endelse a<span class=\"_ _1\"></span>v bank<span class=\"_ _1\"></span>ens kr<span class=\"_ _1\"></span>editts<span class=\"_ _1\"></span>ys<span class=\"_ _1\"></span>temer og </span><span style=\"display:inherit;clear:left;\">reg<span class=\"_ _1\"></span>elv<span class=\"_ _1\"></span>erk.</span><span style=\"display:inherit;clear:left;\">Kredit<span class=\"_ _2\"></span>tkomit<span class=\"_ _1\"></span>een<span class=\"ff4\"> er e<span class=\"_ _1\"></span>t adminis<span class=\"_ _1\"></span>tr<span class=\"_ _1\"></span>a<span class=\"_ _1\"></span>tivt org<span class=\"_ _1\"></span>an som behandler </span></span><span style=\"display:inherit;clear:left;\">kredit<span class=\"_ _1\"></span>teng<span class=\"_ _1\"></span>asjement i henhold til fullmakt, h<span class=\"_ _1\"></span>vor fullmakt er s<span class=\"_ _1\"></span>tyrt </span><span style=\"display:inherit;clear:left;\">a<span class=\"_ _1\"></span>v bel\u00f8p og risikoklas<span class=\"_ _1\"></span>se. Engasjemen<span class=\"_ _1\"></span>t p\u00e5 bankens w<span class=\"_ _1\"></span>a<span class=\"_ _1\"></span>tchlis<span class=\"_ _1\"></span>t </span><span style=\"display:inherit;clear:left;\">gjennomg\u00e5s a<span class=\"_ _1\"></span>v Kr<span class=\"_ _1\"></span>edittk<span class=\"_ _1\"></span>omiteen minimum kv<span class=\"_ _2\"></span>ar<span class=\"_ _8\"></span>talsvis. </span><span style=\"display:inherit;clear:left;\">Alle leder<span class=\"_ _1\"></span>e<span class=\"ff4\"> i Sparebank<span class=\"_ _1\"></span>en V<span class=\"_ _2\"></span>est har ansv<span class=\"_ _1\"></span>ar f<span class=\"_ _1\"></span>or \u00e5 s<span class=\"_ _1\"></span>tyre risik<span class=\"_ _1\"></span>o og </span></span><span style=\"display:inherit;clear:left;\">sikre g<span class=\"_ _1\"></span>od in<span class=\"_ _1\"></span>ternk<span class=\"_ _1\"></span>on<span class=\"_ _1\"></span>troll innen<span class=\"_ _1\"></span>f<span class=\"_ _1\"></span>or eg<span class=\"_ _1\"></span>et omr<span class=\"_ _1\"></span>\u00e5de i tr<span class=\"_ _1\"></span>\u00e5<span class=\"_ _1\"></span>d med bankens </span><span style=\"display:inherit;clear:left;\">vedta<span class=\"_ _2\"></span>tte risikopr<span class=\"_ _1\"></span>o<span class=\"_ _1\"></span>fil. F<span class=\"_ _2\"></span>or \u00e5 sikre g<span class=\"_ _1\"></span>od \u00f8konomisk og adminis<span class=\"_ _1\"></span>tr<span class=\"_ _1\"></span>a<span class=\"_ _1\"></span>tiv </span><span style=\"display:inherit;clear:left;\">styring, skal den enkelt<span class=\"_ _1\"></span>e leder ha n\u00f8dv<span class=\"_ _1\"></span>endig kunnskap om </span><span style=\"display:inherit;clear:left;\">vesen<span class=\"_ _1\"></span>tlig<span class=\"_ _1\"></span>e risiko<span class=\"_ _1\"></span>f<span class=\"_ _1\"></span>orhold innen<span class=\"_ _1\"></span>for eg<span class=\"_ _1\"></span>e<span class=\"_ _1\"></span>t omr<span class=\"_ _1\"></span>\u00e5de.</span><span style=\"display:inherit;clear:left;\">Int<span class=\"_ _1\"></span>ernre<span class=\"_ _1\"></span>visjonens<span class=\"ff4\"> r<span class=\"_ _1\"></span>olle er \u00e5 o<span class=\"_ _1\"></span>v<span class=\"_ _1\"></span>erv\u00e5k<span class=\"_ _1\"></span>e bank<span class=\"_ _1\"></span>ens samlede risiko-/</span></span><span style=\"display:inherit;clear:left;\">kapitalstyring og in<span class=\"_ _1\"></span>t<span class=\"_ _1\"></span>ernkon<span class=\"_ _1\"></span>tr<span class=\"_ _1\"></span>oll p\u00e5 v<span class=\"_ _1\"></span>egne a<span class=\"_ _1\"></span>v Styr<span class=\"_ _1\"></span>e<span class=\"_ _1\"></span>t. Int<span class=\"_ _1\"></span>ern-</span><span style=\"display:inherit;clear:left;\">re<span class=\"_ _1\"></span>visjonen skal ogs\u00e5 e<span class=\"_ _1\"></span>tt<span class=\"_ _1\"></span>erpr<span class=\"_ _1\"></span>\u00f8v<span class=\"_ _1\"></span>e om rutiner og r<span class=\"_ _1\"></span>e<span class=\"_ _1\"></span>tningslinjer </span><span style=\"display:inherit;clear:left;\">et<span class=\"_ _1\"></span>terle<span class=\"_ _1\"></span>v<span class=\"_ _1\"></span>es, samt vur<span class=\"_ _1\"></span>der<span class=\"_ _1\"></span>e om bank<span class=\"_ _1\"></span>ens modellverk kn<span class=\"_ _1\"></span>yt<span class=\"_ _1\"></span>te<span class=\"_ _1\"></span>t til </span><span style=\"display:inherit;clear:left;\">risiko-/kapitals<span class=\"_ _1\"></span>tyring gir et riktig ut<span class=\"_ _1\"></span>trykk for bank<span class=\"_ _1\"></span>ens samlede </span><span style=\"display:inherit;clear:left;\">risiko- og kapitalsituasjon. In<span class=\"_ _1\"></span>t<span class=\"_ _1\"></span>ernr<span class=\"_ _1\"></span>evisjonen utarbeider \u00e5rlig </span><span style=\"display:inherit;clear:left;\">int<span class=\"_ _1\"></span>ernkon<span class=\"_ _1\"></span>tr<span class=\"_ _1\"></span>ollr<span class=\"_ _1\"></span>apport som ogs\u00e5 inneholder vur<span class=\"_ _1\"></span>deringer a<span class=\"_ _1\"></span>v </span><span style=\"display:inherit;clear:left;\">bankens IRB-s<span class=\"_ _1\"></span>ys<span class=\"_ _1\"></span>tem og bank<span class=\"_ _1\"></span>ens kapitaliserings<span class=\"_ _1\"></span>- og </span><span style=\"display:inherit;clear:left;\">likvidite<span class=\"_ _1\"></span>tspr<span class=\"_ _1\"></span>osesser (ICAAP og ILAAP).</span><span style=\"display:inherit;clear:left;\">Risikoomr<span class=\"_ _1\"></span>\u00e5<span class=\"_ _1\"></span>der</span><span style=\"display:inherit;clear:left;\">Bankens risik<span class=\"_ _1\"></span>o- og kapitals<span class=\"_ _1\"></span>tyring er i hov<span class=\"_ _1\"></span>edsak kn<span class=\"_ _1\"></span>ytt<span class=\"_ _1\"></span>et opp til </span><span style=\"display:inherit;clear:left;\">f\u00f8lg<span class=\"_ _1\"></span>ende risik<span class=\"_ _1\"></span>oomr\u00e5<span class=\"_ _1\"></span>der:</span><span style=\"display:inherit;clear:left;\">Kredit<span class=\"_ _2\"></span>trisiko <span class=\"ff4\">er risik<span class=\"_ _1\"></span>oen for tap der<span class=\"_ _1\"></span>som bankens k<span class=\"_ _1\"></span>under/</span></span><span style=\"display:inherit;clear:left;\">motpart<span class=\"_ _1\"></span>er ikke opp<span class=\"_ _1\"></span>fyller sine forplikt<span class=\"_ _1\"></span>elser knyt<span class=\"_ _1\"></span>te<span class=\"_ _1\"></span>t til utl\u00e5n, </span><span style=\"display:inherit;clear:left;\">kredit<span class=\"_ _1\"></span>ter<span class=\"_ _0\"></span>, gar<span class=\"_ _1\"></span>antier og lignende. S<span class=\"_ _1\"></span>tr<span class=\"_ _1\"></span>a<span class=\"_ _1\"></span>tegisk styr<span class=\"_ _1\"></span>es kr<span class=\"_ _1\"></span>edit<span class=\"_ _1\"></span>trisikoen </span><span style=\"display:inherit;clear:left;\">gjennom etablering a<span class=\"_ _2\"></span>v rammer for samle<span class=\"_ _1\"></span>t eksponering mo<span class=\"_ _1\"></span>t </span><span style=\"display:inherit;clear:left;\">bedriftskunder<span class=\"_ _0\"></span>, enkeltn\u00e6ringer og enk<span class=\"_ _1\"></span>eltkunder<span class=\"_ _0\"></span>. Det er vider<span class=\"_ _1\"></span>e </span><span style=\"display:inherit;clear:left;\">etablert r<span class=\"_ _1\"></span>ammer f<span class=\"_ _1\"></span>or an<span class=\"_ _1\"></span>tall engasjemen<span class=\"_ _1\"></span>t ov<span class=\"_ _1\"></span>er vis<span class=\"_ _1\"></span>se terskler<span class=\"_ _0\"></span>. </span><span style=\"display:inherit;clear:left;\">Styringsr<span class=\"_ _1\"></span>ammene behandles i f<span class=\"_ _1\"></span>orbindelse med bank<span class=\"_ _1\"></span>ens ICAAP-</span><span style=\"display:inherit;clear:left;\">proses<span class=\"_ _1\"></span>s, og e<span class=\"_ _1\"></span>tableres i bank<span class=\"_ _1\"></span>ens kr<span class=\"_ _1\"></span>edittrisik<span class=\"_ _1\"></span>os<span class=\"_ _1\"></span>tra<span class=\"_ _2\"></span>tegi. Opera<span class=\"_ _1\"></span>tivt </span><span style=\"display:inherit;clear:left;\">styr<span class=\"_ _1\"></span>es risik<span class=\"_ _1\"></span>oen i det daglig<span class=\"_ _1\"></span>e arbeidet ut mo<span class=\"_ _1\"></span>t kunder<span class=\"_ _0\"></span>, og banken </span><span style=\"display:inherit;clear:left;\">har etablert e<span class=\"_ _1\"></span>t bevilgningsr<span class=\"_ _1\"></span>eglemen<span class=\"_ _1\"></span>t inkludert fullmakter sam<span class=\"_ _1\"></span>t </span><span style=\"display:inherit;clear:left;\">en kredit<span class=\"_ _1\"></span>tpolic<span class=\"_ _1\"></span>y<span class=\"_ _2\"></span>, bransjepolic<span class=\"_ _1\"></span>y<span class=\"_ _1\"></span>er og andr<span class=\"_ _1\"></span>e rutiner som beskriv<span class=\"_ _1\"></span>er </span><span style=\"display:inherit;clear:left;\">hv<span class=\"_ _1\"></span>or<span class=\"_ _1\"></span>dan bankens kr<span class=\"_ _1\"></span>edit<span class=\"_ _1\"></span>trisikos<span class=\"_ _1\"></span>tr<span class=\"_ _1\"></span>a<span class=\"_ _1\"></span>tegi skal implemen<span class=\"_ _1\"></span>ter<span class=\"_ _1\"></span>es </span><span style=\"display:inherit;clear:left;\">gjennom f<span class=\"_ _1\"></span>astse<span class=\"_ _1\"></span>tt<span class=\"_ _1\"></span>else a<span class=\"_ _1\"></span>v de<span class=\"_ _1\"></span>taljerte kr<span class=\"_ _1\"></span>edittgivningskriterier og </span><span style=\"display:inherit;clear:left;\">l\u00f8pende oppf<span class=\"_ _1\"></span>\u00f8lging a<span class=\"_ _1\"></span>v kunder<span class=\"_ _0\"></span>. F<span class=\"_ _1\"></span>or n\u00e6rmer<span class=\"_ _1\"></span>e beskriv<span class=\"_ _1\"></span>else a<span class=\"_ _1\"></span>v </span><span style=\"display:inherit;clear:left;\"><span><span style=\"display:inherit;clear:left;\">kredit<span class=\"_ _1\"></span>trisik<span class=\"_ _1\"></span>o se not<span class=\"_ _1\"></span>e 8 til 20</span></span><span class=\"_ _1\"></span>. </span><span style=\"display:inherit;clear:left;\">Mark<span class=\"_ _1\"></span>edsrisik<span class=\"_ _1\"></span>o<span class=\"ff4\"> de<span class=\"_ _1\"></span>finer<span class=\"_ _1\"></span>es som risikoen f<span class=\"_ _1\"></span>or tap p\u00e5 \u00e5pne posisjoner </span></span><span style=\"display:inherit;clear:left;\">i finansielle instrumen<span class=\"_ _1\"></span>ter som f<span class=\"_ _1\"></span>\u00f8lg<span class=\"_ _1\"></span>e a<span class=\"_ _1\"></span>v endringer i </span><span style=\"display:inherit;clear:left;\">markeds<span class=\"_ _1\"></span>v<span class=\"_ _1\"></span>ariabler og/eller markedsbe<span class=\"_ _1\"></span>tingelser innen<span class=\"_ _1\"></span>f<span class=\"_ _1\"></span>or en </span><span style=\"display:inherit;clear:left;\">spesifisert tidshorisont. Det<span class=\"_ _1\"></span>te inkluder<span class=\"_ _1\"></span>er ak<span class=\"_ _1\"></span>sje-, r<span class=\"_ _1\"></span>ent<span class=\"_ _1\"></span>e-, v<span class=\"_ _1\"></span>aluta<span class=\"_ _1\"></span>-, </span><span style=\"display:inherit;clear:left;\">kredit<span class=\"_ _1\"></span>tspr<span class=\"_ _1\"></span>ead- og eiendomsrisik<span class=\"_ _1\"></span>o. Gjennom bank<span class=\"_ _1\"></span>ens </span><span style=\"display:inherit;clear:left;\">markedsrisik<span class=\"_ _1\"></span>ostr<span class=\"_ _1\"></span>a<span class=\"_ _1\"></span>t<span class=\"_ _1\"></span>egi, som oppdat<span class=\"_ _1\"></span>er<span class=\"_ _1\"></span>es minimum \u00e5rlig, innvilger </span><span style=\"display:inherit;clear:left;\">Styr<span class=\"_ _1\"></span>e<span class=\"_ _1\"></span>t r<span class=\"_ _1\"></span>ammer for ek<span class=\"_ _1\"></span>sponering mot de ulik<span class=\"_ _1\"></span>e risik<span class=\"_ _1\"></span>oka<span class=\"_ _1\"></span>teg<span class=\"_ _1\"></span>oriene. </span><span style=\"display:inherit;clear:left;\">Risikoen s<span class=\"_ _1\"></span>tyr<span class=\"_ _1\"></span>es s\u00e5ledes str<span class=\"_ _1\"></span>a<span class=\"_ _1\"></span>t<span class=\"_ _1\"></span>egisk gjennom ramme<span class=\"_ _1\"></span>f<span class=\"_ _1\"></span>astse<span class=\"_ _1\"></span>tt<span class=\"_ _1\"></span>elsen </span><span style=\"display:inherit;clear:left;\">som uttrykker S<span class=\"_ _1\"></span>tyr<span class=\"_ _1\"></span>e<span class=\"_ _1\"></span>ts risiko<span class=\"_ _1\"></span>toler<span class=\"_ _1\"></span>anse innen<span class=\"_ _1\"></span>f<span class=\"_ _1\"></span>or risikoomr<span class=\"_ _1\"></span>\u00e5<span class=\"_ _1\"></span>dene. </span><span style=\"display:inherit;clear:left;\">Opera<span class=\"_ _2\"></span>tivt ut\u00f8v<span class=\"_ _1\"></span>es risik<span class=\"_ _1\"></span>ostyring a<span class=\"_ _1\"></span>v r<span class=\"_ _1\"></span>en<span class=\"_ _1\"></span>te-, v<span class=\"_ _1\"></span>aluta<span class=\"_ _1\"></span>- og </span><span style=\"display:inherit;clear:left;\">kredit<span class=\"_ _1\"></span>tspr<span class=\"_ _1\"></span>eadrisik<span class=\"_ _1\"></span>oen a<span class=\"_ _1\"></span>v bankens T<span class=\"_ _0\"></span>reasury-<span class=\"_ _1\"></span>funksjon. T<span class=\"_ _2\"></span>r<span class=\"_ _1\"></span>easury er </span><span style=\"display:inherit;clear:left;\">tildelt fullmakter til \u00e5 gjennom<span class=\"_ _1\"></span>f<span class=\"_ _1\"></span>\u00f8r<span class=\"_ _1\"></span>e transak<span class=\"_ _1\"></span>sjoner i finansielle </span><span style=\"display:inherit;clear:left;\">instrumen<span class=\"_ _1\"></span>ter og s<span class=\"_ _1\"></span>tyr<span class=\"_ _1\"></span>er risikoen oper<span class=\"_ _1\"></span>a<span class=\"_ _1\"></span>tivt innen<span class=\"_ _1\"></span>f<span class=\"_ _1\"></span>or de </span><span style=\"display:inherit;clear:left;\">styr<span class=\"_ _1\"></span>e<span class=\"_ _1\"></span>f<span class=\"_ _1\"></span>astsa<span class=\"_ _1\"></span>t<span class=\"_ _1\"></span>te r<span class=\"_ _1\"></span>ammer<span class=\"_ _0\"></span>. Bankens aksjeeksponering er begr<span class=\"_ _1\"></span>ense<span class=\"_ _1\"></span>t </span><span style=\"display:inherit;clear:left;\">og er for<span class=\"_ _1\"></span>delt p\u00e5 t<span class=\"_ _1\"></span>o porte<span class=\"_ _1\"></span>f<span class=\"_ _1\"></span>\u00f8ljer: ven<span class=\"_ _1\"></span>tur<span class=\"_ _1\"></span>eporte<span class=\"_ _1\"></span>f<span class=\"_ _1\"></span>\u00f8lje og str<span class=\"_ _1\"></span>a<span class=\"_ _2\"></span>tegisk </span><span style=\"display:inherit;clear:left;\">portef<span class=\"_ _1\"></span>\u00f8lje. F<span class=\"_ _2\"></span>ullmakt til \u00e5 forv<span class=\"_ _1\"></span>alte bank<span class=\"_ _1\"></span>ens v<span class=\"_ _1\"></span>en<span class=\"_ _1\"></span>tureport<span class=\"_ _1\"></span>ef<span class=\"_ _1\"></span>\u00f8lje, som </span><span style=\"display:inherit;clear:left;\">er under a<span class=\"_ _1\"></span>vvikling, er delegert til \u00d8konomidir<span class=\"_ _1\"></span>ekt\u00f8r<span class=\"_ _0\"></span>. T<span class=\"_ _2\"></span>ransaksjoner </span><span style=\"display:inherit;clear:left;\">i str<span class=\"_ _1\"></span>a<span class=\"_ _1\"></span>t<span class=\"_ _1\"></span>egisk portef<span class=\"_ _1\"></span>\u00f8lje godkjennes a<span class=\"_ _2\"></span>v Styre<span class=\"_ _1\"></span>t eller Konsernsje<span class=\"_ _1\"></span>f<span class=\"_ _0\"></span>. F<span class=\"_ _1\"></span>or </span><span style=\"display:inherit;clear:left;\">n\u00e6rmere beskriv<span class=\"_ _1\"></span>else a<span class=\"_ _1\"></span>v mark<span class=\"_ _1\"></span>edsrisik<span class=\"_ _1\"></span>o se not<span class=\"_ _1\"></span>e 21 til 26<span class=\"_ _1\"></span>.</span><span style=\"display:inherit;clear:left;\">Likvidite<span class=\"_ _1\"></span>tsrisik<span class=\"_ _1\"></span>o <span class=\"ff4\">bes<span class=\"_ _1\"></span>t\u00e5r a<span class=\"_ _1\"></span>v to elemen<span class=\"_ _1\"></span>t<span class=\"_ _1\"></span>er; re<span class=\"_ _1\"></span>finansieringsrisik<span class=\"_ _1\"></span>o og </span></span><span style=\"display:inherit;clear:left;\">prisrisiko<span class=\"_ _1\"></span>. Med r<span class=\"_ _1\"></span>efinansieringsrisik<span class=\"_ _1\"></span>o menes risikoen f<span class=\"_ _1\"></span>or ikk<span class=\"_ _1\"></span>e \u00e5 </span><span style=\"display:inherit;clear:left;\">v<span class=\"_ _1\"></span>\u00e6re i s<span class=\"_ _1\"></span>tand til \u00e5 r<span class=\"_ _1\"></span>e<span class=\"_ _1\"></span>finansiere gjeld og ikk<span class=\"_ _1\"></span>e ha evne til \u00e5 finansier<span class=\"_ _1\"></span>e </span><span style=\"display:inherit;clear:left;\">en \u00f8kning i eiendeler<span class=\"_ _2\"></span>. Med prisrisiko menes risik<span class=\"_ _1\"></span>oen f<span class=\"_ _1\"></span>or ikk<span class=\"_ _1\"></span>e \u00e5 </span><span style=\"display:inherit;clear:left;\">v<span class=\"_ _1\"></span>\u00e6re i s<span class=\"_ _1\"></span>tand til \u00e5 r<span class=\"_ _1\"></span>e<span class=\"_ _1\"></span>finansiere f<span class=\"_ _1\"></span>orplikt<span class=\"_ _1\"></span>elser uten a<span class=\"_ _2\"></span>t det oppst\u00e5r </span><span style=\"display:inherit;clear:left;\">vesen<span class=\"_ _1\"></span>tlig<span class=\"_ _1\"></span>e ekstr<span class=\"_ _1\"></span>a<span class=\"_ _1\"></span>omkos<span class=\"_ _1\"></span>tninger i f<span class=\"_ _1\"></span>orm a<span class=\"_ _1\"></span>v ek<span class=\"_ _1\"></span>str<span class=\"_ _1\"></span>a dyr finansiering </span><span style=\"display:inherit;clear:left;\">eller prisf<span class=\"_ _1\"></span>all p\u00e5 eiendeler som m\u00e5 r<span class=\"_ _1\"></span>ealiser<span class=\"_ _1\"></span>es. Str<span class=\"_ _1\"></span>a<span class=\"_ _1\"></span>t<span class=\"_ _1\"></span>egisk styr<span class=\"_ _1\"></span>es </span><span style=\"display:inherit;clear:left;\">likvidite<span class=\"_ _1\"></span>tsrisikoen v<span class=\"_ _1\"></span>ed e<span class=\"_ _1\"></span>tablering a<span class=\"_ _1\"></span>v s<span class=\"_ _1\"></span>tyringsm\u00e5l og r<span class=\"_ _1\"></span>ammer </span><span style=\"display:inherit;clear:left;\">gjennom likvidite<span class=\"_ _1\"></span>tsrisikos<span class=\"_ _1\"></span>tr<span class=\"_ _1\"></span>a<span class=\"_ _1\"></span>tegien, som f<span class=\"_ _1\"></span>\u00f8lger a<span class=\"_ _2\"></span>v bankens </span><span style=\"display:inherit;clear:left;\">ILAAP-pr<span class=\"_ _1\"></span>osess. Bank<span class=\"_ _1\"></span>en har m\u00e5l og r<span class=\"_ _1\"></span>ammer f<span class=\"_ _1\"></span>or samle<span class=\"_ _1\"></span>t </span><span style=\"display:inherit;clear:left;\">likvidite<span class=\"_ _1\"></span>tsporte<span class=\"_ _1\"></span>f<span class=\"_ _1\"></span>\u00f8lje, L<span class=\"_ _1\"></span>CR, NSFR, ne<span class=\"_ _1\"></span>tt<span class=\"_ _1\"></span>o finansieringsbeho<span class=\"_ _1\"></span>v de </span><span style=\"display:inherit;clear:left;\">nest<span class=\"_ _1\"></span>e 3 m\u00e5neder (nominelt bel\u00f8p) og stabil finansieringsgr<span class=\"_ _1\"></span>a<span class=\"_ _1\"></span>d per </span><span style=\"display:inherit;clear:left;\">segment (innsk<span class=\"_ _1\"></span>udd under innskuddsgar<span class=\"_ _1\"></span>an<span class=\"_ _1\"></span>tien som andel a<span class=\"_ _1\"></span>v </span><span style=\"display:inherit;clear:left;\">net<span class=\"_ _1\"></span>to utl\u00e5n per segmen<span class=\"_ _1\"></span>t). Bank<span class=\"_ _1\"></span>ens T<span class=\"_ _2\"></span>reasury<span class=\"_ _1\"></span>-funksjon er </span><span style=\"display:inherit;clear:left;\">gjennom likvidite<span class=\"_ _1\"></span>tsrisikos<span class=\"_ _1\"></span>tr<span class=\"_ _1\"></span>a<span class=\"_ _1\"></span>tegi med v<span class=\"_ _1\"></span>edlegg tildelt oper<span class=\"_ _1\"></span>a<span class=\"_ _1\"></span>tiv<span class=\"_ _1\"></span>e </span><span style=\"display:inherit;clear:left;\">fullmakter til \u00e5 s<span class=\"_ _1\"></span>tyre likvidit<span class=\"_ _1\"></span>e<span class=\"_ _1\"></span>tsrisikoen i bank<span class=\"_ _1\"></span>en innen<span class=\"_ _1\"></span>f<span class=\"_ _1\"></span>or de </span><span style=\"display:inherit;clear:left;\">nevn<span class=\"_ _1\"></span>te s<span class=\"_ _1\"></span>tyringsr<span class=\"_ _1\"></span>ammene. Konkr<span class=\"_ _1\"></span>e<span class=\"_ _1\"></span>t medf<span class=\"_ _1\"></span>\u00f8r<span class=\"_ _1\"></span>er det<span class=\"_ _1\"></span>te blan<span class=\"_ _1\"></span>t anne<span class=\"_ _1\"></span>t </span><span style=\"display:inherit;clear:left;\">ambisjoner om en jevn f<span class=\"_ _1\"></span>orf<span class=\"_ _1\"></span>allspr<span class=\"_ _1\"></span>ofil p\u00e5 bank<span class=\"_ _1\"></span>ens </span><span style=\"display:inherit;clear:left;\">kapitalmarkeds<span class=\"_ _1\"></span>finansiering, samt tiltak som sikr<span class=\"_ _1\"></span>er bank<span class=\"_ _1\"></span>ens </span><span style=\"display:inherit;clear:left;\">handlefrihe<span class=\"_ _1\"></span>t under ulike mark<span class=\"_ _1\"></span>eds<span class=\"_ _1\"></span>f<span class=\"_ _1\"></span>orhold, eksempelvis gjennom </span><span style=\"display:inherit;clear:left;\">bruk a<span class=\"_ _1\"></span>v finansielle instrumen<span class=\"_ _1\"></span>ter eller pr<span class=\"_ _1\"></span>e-<span class=\"_ _1\"></span>finansiering a<span class=\"_ _1\"></span>v </span><span style=\"display:inherit;clear:left;\">obligasjonsf<span class=\"_ _1\"></span>orf<span class=\"_ _1\"></span>all. F<span class=\"_ _2\"></span>or n\u00e6rmere beskriv<span class=\"_ _1\"></span>else a<span class=\"_ _1\"></span>v likvidit<span class=\"_ _1\"></span>etsrisik<span class=\"_ _1\"></span>o se </span><span style=\"display:inherit;clear:left;\">not<span class=\"_ _1\"></span>e 2<span class=\"_ _1\"></span>7<span class=\"_ _0\"></span>.</span><span style=\"display:inherit;clear:left;\">Operasjonell risik<span class=\"_ _1\"></span>o <span class=\"ff4\">er risik<span class=\"_ _1\"></span>o f<span class=\"_ _1\"></span>or tap som f<span class=\"_ _1\"></span>\u00f8lge a<span class=\"_ _1\"></span>v utils<span class=\"_ _1\"></span>tr<span class=\"_ _1\"></span>ekkelig<span class=\"_ _1\"></span>e </span></span><span style=\"display:inherit;clear:left;\">eller sviktende in<span class=\"_ _1\"></span>t<span class=\"_ _1\"></span>erne pr<span class=\"_ _1\"></span>osesser eller s<span class=\"_ _1\"></span>ys<span class=\"_ _1\"></span>temer<span class=\"_ _0\"></span>, menneskelige </span><span style=\"display:inherit;clear:left;\">feil eller ek<span class=\"_ _1\"></span>st<span class=\"_ _1\"></span>erne hendelser<span class=\"_ _0\"></span>. </span><span style=\"display:inherit;clear:left;\">Andr<span class=\"_ _1\"></span>e risikoomr<span class=\"_ _1\"></span>\u00e5<span class=\"_ _1\"></span>der: </span><span style=\"display:inherit;clear:left;\">Eierrisik<span class=\"_ _1\"></span>o<span class=\"ff4\"> definer<span class=\"_ _1\"></span>es som risik<span class=\"_ _1\"></span>o f<span class=\"_ _1\"></span>or tap eller n\u00f8dv<span class=\"_ _1\"></span>endig p\u00e5<span class=\"_ _1\"></span>fyll av </span></span><span style=\"display:inherit;clear:left;\">ny kapital i selsk<span class=\"_ _1\"></span>aper hv<span class=\"_ _1\"></span>or banken har s<span class=\"_ _1\"></span>tr<span class=\"_ _1\"></span>a<span class=\"_ _1\"></span>tegisk eier<span class=\"_ _1\"></span>andel, som </span><span style=\"display:inherit;clear:left;\">f\u00f8lg<span class=\"_ _1\"></span>e a<span class=\"_ _1\"></span>v den underligg<span class=\"_ _1\"></span>ende risikoen i slik<span class=\"_ _1\"></span>e selskaper<span class=\"_ _0\"></span>. </span><span style=\"display:inherit;clear:left;\">F<span class=\"_ _2\"></span>orsikringsrisiko.<span class=\"ff4\"> De<span class=\"_ _1\"></span>t tilkn<span class=\"_ _1\"></span>ytt<span class=\"_ _1\"></span>ede selskapet F<span class=\"_ _2\"></span>rende har </span></span><span style=\"display:inherit;clear:left;\">for<span class=\"_ _1\"></span>sikringsrisiko<span class=\"_ _1\"></span>. Spar<span class=\"_ _1\"></span>ebanken V<span class=\"_ _2\"></span>est p\u00e5<span class=\"_ _1\"></span>virk<span class=\"_ _1\"></span>es a<span class=\"_ _1\"></span>v denne gjennom </span><span style=\"display:inherit;clear:left;\">sin eierandel i selsk<span class=\"_ _1\"></span>apet. </span><span style=\"display:inherit;clear:left;\">Klimarisik<span class=\"_ _1\"></span>o <span class=\"ff4\">er risiko kn<span class=\"_ _1\"></span>ytt<span class=\"_ _1\"></span>e<span class=\"_ _1\"></span>t til klimaendringer og k<span class=\"_ _1\"></span>an f<span class=\"_ _1\"></span>\u00f8re til \u00f8kt </span></span><span style=\"display:inherit;clear:left;\">kredit<span class=\"_ _1\"></span>trisik<span class=\"_ _1\"></span>o, finansielle tap eller r<span class=\"_ _1\"></span>edusert tilgang p\u00e5 kapital. </span><span style=\"display:inherit;clear:left;\">Banken anser fysisk risik<span class=\"_ _1\"></span>o og o<span class=\"_ _1\"></span>ver<span class=\"_ _1\"></span>gangsrisik<span class=\"_ _1\"></span>o i bank<span class=\"_ _1\"></span>ens </span><span style=\"display:inherit;clear:left;\">utl\u00e5nsportef<span class=\"_ _1\"></span>\u00f8lje og finansielle plas<span class=\"_ _1\"></span>seringer som h\u00f8<span class=\"_ _1\"></span>y<span class=\"_ _1\"></span>st r<span class=\"_ _1\"></span>ele<span class=\"_ _1\"></span>v<span class=\"_ _1\"></span>ant<span class=\"_ _1\"></span>e </span><span style=\"display:inherit;clear:left;\">risikoomr<span class=\"_ _1\"></span>\u00e5der<span class=\"_ _0\"></span>. F<span class=\"_ _1\"></span>ysisk risik<span class=\"_ _1\"></span>o kan f<span class=\"_ _1\"></span>\u00f8r<span class=\"_ _1\"></span>e til st<span class=\"_ _1\"></span>or<span class=\"_ _1\"></span>e finansielle tap, </span><span style=\"display:inherit;clear:left;\">redusert<span class=\"_ _1\"></span>e v<span class=\"_ _1\"></span>erdier p\u00e5 eiendeler<span class=\"_ _0\"></span>, sv<span class=\"_ _1\"></span>ekke<span class=\"_ _1\"></span>t kr<span class=\"_ _1\"></span>edittv<span class=\"_ _1\"></span>er<span class=\"_ _1\"></span>dighe<span class=\"_ _1\"></span>t hos </span><span style=\"display:inherit;clear:left;\">kunder og nega<span class=\"_ _1\"></span>tiv p\u00e5<span class=\"_ _1\"></span>virkning p\u00e5 v<span class=\"_ _1\"></span>er<span class=\"_ _1\"></span>dikjeder gjennom dir<span class=\"_ _1\"></span>ekte </span><span style=\"display:inherit;clear:left;\">skader p\u00e5 eiendeler eller indir<span class=\"_ _1\"></span>ekte virkning<span class=\"_ _1\"></span>er gjennom </span><span style=\"display:inherit;clear:left;\">for<span class=\"_ _1\"></span>styrr<span class=\"_ _1\"></span>elser a<span class=\"_ _1\"></span>v le<span class=\"_ _1\"></span>v<span class=\"_ _1\"></span>erand\u00f8rkjeden. Ov<span class=\"_ _1\"></span>er<span class=\"_ _1\"></span>gangsrisik<span class=\"_ _1\"></span>o kan f<span class=\"_ _1\"></span>\u00f8r<span class=\"_ _1\"></span>e til </span><span style=\"display:inherit;clear:left;\">endringer i v<span class=\"_ _1\"></span>er<span class=\"_ _1\"></span>dien a<span class=\"_ _1\"></span>v eiendeler<span class=\"_ _0\"></span>, tapt omd\u00f8mme, \u00f8kte k<span class=\"_ _1\"></span>ostna<span class=\"_ _1\"></span>der<span class=\"_ _2\"></span>, </span><span style=\"display:inherit;clear:left;\">\u00f8kt risiko f<span class=\"_ _1\"></span>or be<span class=\"_ _1\"></span>talingsmislighold, r<span class=\"_ _1\"></span>edusert tilgang til kapital og </span><span style=\"display:inherit;clear:left;\">str<span class=\"_ _1\"></span>andede eiendeler<span class=\"_ _0\"></span>.</span><span style=\"display:inherit;clear:left;\">Sparebank<span class=\"_ _1\"></span>en V<span class=\"_ _2\"></span>est har en omf<span class=\"_ _1\"></span>a<span class=\"_ _2\"></span>ttende b\u00e6r<span class=\"_ _1\"></span>ekra<span class=\"_ _2\"></span>ftstra<span class=\"_ _1\"></span>t<span class=\"_ _1\"></span>egi og tror </span><span style=\"display:inherit;clear:left;\">p\u00e5 finans som en viktig drivkra<span class=\"_ _2\"></span>ft i det gr\u00f8nne skift<span class=\"_ _1\"></span>e<span class=\"_ _1\"></span>t. </span><span style=\"display:inherit;clear:left;\">Sparebank<span class=\"_ _1\"></span>en V<span class=\"_ _2\"></span>est skal posisjoner<span class=\"_ _1\"></span>e seg f<span class=\"_ _1\"></span>or \u00f8kt konkurr<span class=\"_ _1\"></span>anse i </span><span style=\"display:inherit;clear:left;\">finansieringen a<span class=\"_ _1\"></span>v gr<span class=\"_ _1\"></span>\u00f8nne pr<span class=\"_ _1\"></span>osjekter og s<span class=\"_ _1\"></span>tiller s<span class=\"_ _1\"></span>treng<span class=\"_ _1\"></span>er<span class=\"_ _1\"></span>e kr<span class=\"_ _1\"></span>a<span class=\"_ _1\"></span>v til </span><span style=\"display:inherit;clear:left;\">kunder som ikke har handlingsplaner f<span class=\"_ _1\"></span>or gr<span class=\"_ _1\"></span>\u00f8nn oms<span class=\"_ _1\"></span>tilling. </span><span style=\"display:inherit;clear:left;\">Klimarisiko vur<span class=\"_ _1\"></span>der<span class=\"_ _1\"></span>es p\u00e5 lik linje med andr<span class=\"_ _1\"></span>e risiko<span class=\"_ _1\"></span>f<span class=\"_ _1\"></span>orhold i </span><span style=\"display:inherit;clear:left;\">bankens kr<span class=\"_ _1\"></span>edit<span class=\"_ _1\"></span>tproses<span class=\"_ _1\"></span>ser<span class=\"_ _0\"></span>. V<span class=\"_ _1\"></span>ed innvilg<span class=\"_ _1\"></span>else a<span class=\"_ _1\"></span>v l\u00e5n til bedrifts-</span><span style=\"display:inherit;clear:left;\">kunder benyt<span class=\"_ _1\"></span>tes e<span class=\"_ _1\"></span>t vur<span class=\"_ _1\"></span>deringsskjema f<span class=\"_ _1\"></span>or b\u00e6r<span class=\"_ _1\"></span>ekr<span class=\"_ _1\"></span>a<span class=\"_ _1\"></span>ft som er </span><span style=\"display:inherit;clear:left;\">tilpasse<span class=\"_ _1\"></span>t klimarela<span class=\"_ _2\"></span>terte utf<span class=\"_ _1\"></span>ordring<span class=\"_ _1\"></span>er knyt<span class=\"_ _1\"></span>te<span class=\"_ _1\"></span>t til h<span class=\"_ _1\"></span>ver br<span class=\"_ _1\"></span>ansje. </span><span style=\"display:inherit;clear:left;\">Estimert kapital- likvidit<span class=\"_ _1\"></span>e<span class=\"_ _1\"></span>t- og finansieringsbeho<span class=\"_ _1\"></span>v</span><span style=\"display:inherit;clear:left;\">Bankens pr<span class=\"_ _1\"></span>osess f<span class=\"_ _1\"></span>or vur<span class=\"_ _1\"></span>dering a<span class=\"_ _1\"></span>v fr<span class=\"_ _1\"></span>em<span class=\"_ _1\"></span>tidig kapital-, likvidit<span class=\"_ _1\"></span>et<span class=\"_ _1\"></span>- og </span><span style=\"display:inherit;clear:left;\">finansieringsbehov (IC<span class=\"_ _1\"></span>AAP og ILAAP) er f<span class=\"_ _1\"></span>orankr<span class=\"_ _1\"></span>e<span class=\"_ _1\"></span>t i </span><span style=\"display:inherit;clear:left;\">forr<span class=\"_ _1\"></span>e<span class=\"_ _1\"></span>tningss<span class=\"_ _1\"></span>tr<span class=\"_ _1\"></span>a<span class=\"_ _1\"></span>tegi (visjon, m\u00e5lbilde og f<span class=\"_ _1\"></span>orr<span class=\"_ _1\"></span>etningsid\u00e9) og </span><span style=\"display:inherit;clear:left;\">str<span class=\"_ _1\"></span>a<span class=\"_ _1\"></span>t<span class=\"_ _1\"></span>egiske tiltak som er prioritert f<span class=\"_ _1\"></span>or \u00e5 n\u00e5 bank<span class=\"_ _1\"></span>ens m\u00e5l. M\u00e5lsa<span class=\"_ _1\"></span>tt </span><span style=\"display:inherit;clear:left;\">utvikling fire \u00e5r fr<span class=\"_ _1\"></span>am i tid an<span class=\"_ _1\"></span>v<span class=\"_ _1\"></span>endes som grunnlag for vur<span class=\"_ _1\"></span>dering </span><span style=\"display:inherit;clear:left;\">a<span class=\"_ _1\"></span>v bankens kapitalbuf<span class=\"_ _1\"></span>f<span class=\"_ _1\"></span>er og -toler<span class=\"_ _1\"></span>anse. M\u00e5lsa<span class=\"_ _1\"></span>t<span class=\"_ _1\"></span>t utvikling et<span class=\"_ _1\"></span>t \u00e5r </span><span style=\"display:inherit;clear:left;\">fram i tid an<span class=\"_ _1\"></span>v<span class=\"_ _1\"></span>endes som grunnlag f<span class=\"_ _1\"></span>or vurdering a<span class=\"_ _2\"></span>v bankens </span><span style=\"display:inherit;clear:left;\">likvidite<span class=\"_ _1\"></span>tsbuff<span class=\"_ _1\"></span>er og eg<span class=\"_ _1\"></span>enfinansiering. Scenarioene skal gi r<span class=\"_ _1\"></span>etning </span><span style=\"display:inherit;clear:left;\">og niv<span class=\"_ _1\"></span>\u00e5 f<span class=\"_ _1\"></span>or bankens budsje<span class=\"_ _1\"></span>tt, og risik<span class=\"_ _1\"></span>o- og kapitalanalysen k<span class=\"_ _1\"></span>an </span><span style=\"display:inherit;clear:left;\">set<span class=\"_ _1\"></span>te f<span class=\"_ _1\"></span>\u00f8ring<span class=\"_ _1\"></span>er og begr<span class=\"_ _1\"></span>ensninger ut fr<span class=\"_ _1\"></span>a bankens finansielle o<span class=\"_ _1\"></span>g </span><span style=\"display:inherit;clear:left;\">operasjonelle k<span class=\"_ _1\"></span>apasite<span class=\"_ _1\"></span>t sam<span class=\"_ _1\"></span>t ekst<span class=\"_ _1\"></span>erne r<span class=\"_ _1\"></span>ammebeting<span class=\"_ _1\"></span>elser<span class=\"_ _0\"></span>.</span><span style=\"display:inherit;clear:left;\">F<span class=\"_ _2\"></span>or kredittrisik<span class=\"_ _1\"></span>o anv<span class=\"_ _1\"></span>ender Spar<span class=\"_ _1\"></span>ebanken V<span class=\"_ _2\"></span>est in<span class=\"_ _1\"></span>terne s<span class=\"_ _1\"></span>ys<span class=\"_ _1\"></span>temer </span><span style=\"display:inherit;clear:left;\">for es<span class=\"_ _1\"></span>timering a<span class=\"_ _1\"></span>v kapitalbeho<span class=\"_ _1\"></span>v<span class=\"_ _1\"></span>e<span class=\"_ _1\"></span>t. Basert p\u00e5 risikopar<span class=\"_ _1\"></span>ametr<span class=\"_ _1\"></span>e (PD/</span><span style=\"display:inherit;clear:left;\">L<span class=\"_ _1\"></span>GD/EAD) ber<span class=\"_ _1\"></span>egnes risiko<span class=\"_ _1\"></span>v<span class=\"_ _1\"></span>ekt<span class=\"_ _1\"></span>et kapital o<span class=\"_ _1\"></span>g forv<span class=\"_ _1\"></span>en<span class=\"_ _1\"></span>te<span class=\"_ _1\"></span>t tap<span class=\"_ _1\"></span>. </span><span style=\"display:inherit;clear:left;\">Banken es<span class=\"_ _1\"></span>timer<span class=\"_ _1\"></span>er ogs\u00e5 kapitalbeho<span class=\"_ _1\"></span>v f<span class=\"_ _1\"></span>or konsen<span class=\"_ _1\"></span>tr<span class=\"_ _1\"></span>asjonen i </span><span style=\"display:inherit;clear:left;\">kredit<span class=\"_ _1\"></span>tporte<span class=\"_ _1\"></span>f<span class=\"_ _1\"></span>\u00f8ljen. F<span class=\"_ _2\"></span>or den konsentr<span class=\"_ _1\"></span>asjonsrisik<span class=\"_ _1\"></span>oen </span><span style=\"display:inherit;clear:left;\">enkelt<span class=\"_ _1\"></span>engasjemen<span class=\"_ _1\"></span>t og br<span class=\"_ _1\"></span>ansjekonsen<span class=\"_ _1\"></span>tr<span class=\"_ _1\"></span>asjon p\u00e5<span class=\"_ _1\"></span>f<span class=\"_ _1\"></span>\u00f8r<span class=\"_ _1\"></span>er banken, </span><span style=\"display:inherit;clear:left;\">estimer<span class=\"_ _1\"></span>es kapitalbeho<span class=\"_ _1\"></span>v<span class=\"_ _1\"></span>e<span class=\"_ _1\"></span>t ved hjelp a<span class=\"_ _2\"></span>v Finanstilsyne<span class=\"_ _1\"></span>ts met<span class=\"_ _1\"></span>oder </span><span style=\"display:inherit;clear:left;\">beskre<span class=\"_ _1\"></span>v<span class=\"_ _1\"></span>et i v<span class=\"_ _1\"></span>edlegg til rundskriv 3/2<span class=\"_ _1\"></span>0<span class=\"_ _1\"></span>22.</span><span style=\"display:inherit;clear:left;\">Estimert kapitalbeho<span class=\"_ _1\"></span>v f<span class=\"_ _1\"></span>or markedsrisik<span class=\"_ _1\"></span>o under pilar 2 es<span class=\"_ _1\"></span>timeres </span><span style=\"display:inherit;clear:left;\">ved hjelp a<span class=\"_ _2\"></span>v Finanstilsyne<span class=\"_ _1\"></span>ts met<span class=\"_ _1\"></span>oder beskr<span class=\"_ _1\"></span>ev<span class=\"_ _1\"></span>e<span class=\"_ _1\"></span>t i v<span class=\"_ _1\"></span>edlegg til </span><span style=\"display:inherit;clear:left;\">rundskriv 3/20<span class=\"_ _1\"></span>22 f<span class=\"_ _1\"></span>or henholdsvis aksje-, r<span class=\"_ _1\"></span>en<span class=\"_ _1\"></span>t<span class=\"_ _1\"></span>e-, v<span class=\"_ _1\"></span>aluta<span class=\"_ _1\"></span>- og </span><span style=\"display:inherit;clear:left;\">kredit<span class=\"_ _1\"></span>tspr<span class=\"_ _1\"></span>eadrisik<span class=\"_ _1\"></span>o. E<span class=\"_ _1\"></span>t<span class=\"_ _1\"></span>ter<span class=\"_ _1\"></span>som banken ikk<span class=\"_ _1\"></span>e har handelsporte<span class=\"_ _1\"></span>f\u00f8ljer </span><span style=\"display:inherit;clear:left;\">beregnes de<span class=\"_ _1\"></span>t ikk<span class=\"_ _1\"></span>e kapitalbeho<span class=\"_ _1\"></span>v f<span class=\"_ _1\"></span>or markedsrisik<span class=\"_ _1\"></span>o under pilar 1. </span><span style=\"display:inherit;clear:left;\">Dog er det slik a<span class=\"_ _2\"></span>t aksjepostene risik<span class=\"_ _1\"></span>ov<span class=\"_ _1\"></span>ekt<span class=\"_ _1\"></span>es 100 % eller 150 % </span><span style=\"display:inherit;clear:left;\">a<span class=\"_ _1\"></span>vhengig av type ak<span class=\"_ _1\"></span>sjer<span class=\"_ _2\"></span>.</span><span style=\"display:inherit;clear:left;\">F<span class=\"_ _2\"></span>or eierrisiko beregnes de<span class=\"_ _1\"></span>t kun kapital f<span class=\"_ _1\"></span>or tilkn<span class=\"_ _1\"></span>ytt<span class=\"_ _1\"></span>ede selskaper </span><span style=\"display:inherit;clear:left;\">som ikke brut<span class=\"_ _1\"></span>tok<span class=\"_ _1\"></span>onsolider<span class=\"_ _1\"></span>es. Eierskape<span class=\"_ _1\"></span>t i F<span class=\"_ _2\"></span>rende Holding AS </span><span style=\"display:inherit;clear:left;\">medf<span class=\"_ _1\"></span>\u00f8rer b\u00e5<span class=\"_ _1\"></span>de en kapitalbelastning i pilar 1, sam<span class=\"_ _1\"></span>t i pilar 2. </span><span style=\"display:inherit;clear:left;\">Sistne<span class=\"_ _1\"></span>vnt<span class=\"_ _1\"></span>e ber<span class=\"_ _1\"></span>egnes i henhold til rundskriv 3/20<span class=\"_ _1\"></span>22 v<span class=\"_ _1\"></span>edlegg 4. </span><span style=\"display:inherit;clear:left;\">V<span class=\"_ _1\"></span>edlegg<span class=\"_ _1\"></span>e<span class=\"_ _1\"></span>t beskriver Finans<span class=\"_ _1\"></span>tils<span class=\"_ _1\"></span>ynets vur<span class=\"_ _1\"></span>dering a<span class=\"_ _1\"></span>v pilar 2<span class=\"_ _1\"></span>-kr<span class=\"_ _1\"></span>a<span class=\"_ _1\"></span>v </span><span style=\"display:inherit;clear:left;\">knyt<span class=\"_ _1\"></span>te<span class=\"_ _1\"></span>t til eierskap i f<span class=\"_ _1\"></span>orsikrings<span class=\"_ _1\"></span>virksomhe<span class=\"_ _1\"></span>ter<span class=\"_ _0\"></span>.</span><span style=\"display:inherit;clear:left;\">F<span class=\"_ _2\"></span>or operasjonell risiko an<span class=\"_ _1\"></span>vende<span class=\"_ _1\"></span>s regula<span class=\"_ _2\"></span>torisk kapital ogs\u00e5 til </span><span style=\"display:inherit;clear:left;\">bankens in<span class=\"_ _1\"></span>terne k<span class=\"_ _1\"></span>apitalbehov<span class=\"_ _2\"></span>.</span>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfFinancialRiskManagementExplanatory",
    "language": "no",
    "entity": "scheme:213800M7T3CYVZ3ZRT12",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "s10_notes__6__38-1": {
   "value": "<span style=\"display:inherit;clear:left;\">Note 8 R<span class=\"_ _8\"></span>isi<span class=\"_ _8\"></span>kokla<span class=\"_ _8\"></span>ssi<span class=\"_ _8\"></span>fiser<span class=\"_ _8\"></span>i<span class=\"_ _8\"></span>ng av k<span class=\"_ _8\"></span>redit<span class=\"_ _8\"></span>tp<span class=\"_ _8\"></span>or<span class=\"_ _8\"></span>tef<span class=\"_ _0\"></span>\u00f8<span class=\"_ _8\"></span>ljen</span><span style=\"display:inherit;clear:left;\">Kredittrisik<span class=\"_ _1\"></span>o</span><span style=\"display:inherit;clear:left;\">Kredit<span class=\"_ _1\"></span>trisik<span class=\"_ _1\"></span>o er risikoen f<span class=\"_ _1\"></span>or tap dersom bank<span class=\"_ _1\"></span>ens kunder ikk<span class=\"_ _1\"></span>e </span><span style=\"display:inherit;clear:left;\">oppfyller sine f<span class=\"_ _1\"></span>orpliktelser o<span class=\"_ _1\"></span>v<span class=\"_ _1\"></span>erf<span class=\"_ _1\"></span>or konserne<span class=\"_ _1\"></span>t.  </span><span style=\"display:inherit;clear:left;\">Kredit<span class=\"_ _1\"></span>trisik<span class=\"_ _1\"></span>o oppst\u00e5r gjennom utl\u00e5n, kr<span class=\"_ _1\"></span>edit<span class=\"_ _1\"></span>ter<span class=\"_ _0\"></span>, garan<span class=\"_ _1\"></span>tier<span class=\"_ _0\"></span>, rem-</span><span style=\"display:inherit;clear:left;\">burser og ulike deriv<span class=\"_ _2\"></span>atf<span class=\"_ _1\"></span>orr<span class=\"_ _1\"></span>etning<span class=\"_ _1\"></span>er til personmark<span class=\"_ _1\"></span>eds- og </span><span style=\"display:inherit;clear:left;\">bedriftsmarkedsk<span class=\"_ _1\"></span>under<span class=\"_ _0\"></span>. Kredittrisik<span class=\"_ _1\"></span>o knyt<span class=\"_ _1\"></span>te<span class=\"_ _1\"></span>t til deriv<span class=\"_ _1\"></span>a<span class=\"_ _1\"></span>tf<span class=\"_ _1\"></span>orr<span class=\"_ _1\"></span>et<span class=\"_ _1\"></span>-</span><span style=\"display:inherit;clear:left;\">ninger kv<span class=\"_ _1\"></span>an<span class=\"_ _1\"></span>tifiser<span class=\"_ _1\"></span>es gjennom omr<span class=\"_ _1\"></span>egningsf<span class=\"_ _1\"></span>akt<span class=\"_ _1\"></span>or<span class=\"_ _1\"></span>er a<span class=\"_ _1\"></span>vhengig av </span><span style=\"display:inherit;clear:left;\">kon<span class=\"_ _1\"></span>tr<span class=\"_ _1\"></span>aktstype og l\u00f8pe<span class=\"_ _1\"></span>tid.</span><span style=\"display:inherit;clear:left;\">Risikoklas<span class=\"_ _1\"></span>sifisering a<span class=\"_ _1\"></span>v utl\u00e5n og gar<span class=\"_ _2\"></span>antier </span><span style=\"display:inherit;clear:left;\">M\u00e5ling a<span class=\"_ _1\"></span>v kr<span class=\"_ _1\"></span>edittrisik<span class=\"_ _1\"></span>o baserer seg p\u00e5 f<span class=\"_ _2\"></span>\u00f8lgende hov<span class=\"_ _1\"></span>edkomponen-</span><span style=\"display:inherit;clear:left;\">ter: i) misligholdssanns<span class=\"_ _1\"></span>ynlighe<span class=\"_ _1\"></span>t (PD), ii) f<span class=\"_ _1\"></span>orven<span class=\"_ _1\"></span>te<span class=\"_ _1\"></span>t eksponering </span><span style=\"display:inherit;clear:left;\">ved mislighold (EAD) og iii) t<span class=\"_ _1\"></span>ap gitt mislighold (L<span class=\"_ _1\"></span>GD). </span><span style=\"display:inherit;clear:left;\">i) Misligholdss<span class=\"_ _1\"></span>anns<span class=\"_ _1\"></span>ynlighe<span class=\"_ _1\"></span>t (PD)<span class=\"ff4\"> er definert som sanns<span class=\"_ _1\"></span>ynlighe-</span></span><span style=\"display:inherit;clear:left;\">ten f<span class=\"_ _1\"></span>or a<span class=\"_ _1\"></span>t kunden misligholder sit<span class=\"_ _1\"></span>t engasjemen<span class=\"_ _1\"></span>t i l\u00f8pe<span class=\"_ _1\"></span>t a<span class=\"_ _1\"></span>v de </span><span style=\"display:inherit;clear:left;\">nest<span class=\"_ _1\"></span>e 12 m\u00e5nedene. Mislighold kan v<span class=\"_ _1\"></span>\u00e6r<span class=\"_ _1\"></span>e bet<span class=\"_ _1\"></span>alingsmislighold ov<span class=\"_ _1\"></span>er </span><span style=\"display:inherit;clear:left;\">90 dager eller andr<span class=\"_ _1\"></span>e k<span class=\"_ _1\"></span>onkre<span class=\"_ _1\"></span>t<span class=\"_ _1\"></span>e forhold (\"unlik<span class=\"_ _1\"></span>eliness t<span class=\"_ _1\"></span>o pa<span class=\"_ _1\"></span>y\", jfr<span class=\"_ _0\"></span>. </span><span style=\"display:inherit;clear:left;\">CRR/CRD IV<span class=\"_ _1\"></span>-<span class=\"_ _1\"></span>f<span class=\"_ _1\"></span>orskrift<span class=\"_ _1\"></span>en), som p\u00e5<span class=\"_ _1\"></span>virker k<span class=\"_ _1\"></span>undens evne til \u00e5 be<span class=\"_ _1\"></span>tjene </span><span style=\"display:inherit;clear:left;\">sitt engasjemen<span class=\"_ _1\"></span>t. Misligholdssans<span class=\"_ _1\"></span>ynnlighet blir ber<span class=\"_ _1\"></span>egne<span class=\"_ _1\"></span>t v<span class=\"_ _1\"></span>ed </span><span style=\"display:inherit;clear:left;\">hjelp a<span class=\"_ _1\"></span>v sta<span class=\"_ _1\"></span>tis<span class=\"_ _1\"></span>tiske modeller (sc<span class=\"_ _1\"></span>or<span class=\"_ _1\"></span>ekort) b<span class=\"_ _1\"></span>y<span class=\"_ _1\"></span>gge<span class=\"_ _1\"></span>t p\u00e5 logistisk </span><span style=\"display:inherit;clear:left;\">regr<span class=\"_ _1\"></span>esjon. F<span class=\"_ _2\"></span>or \u00e5 gruppere kr<span class=\"_ _1\"></span>edit<span class=\"_ _1\"></span>tporte<span class=\"_ _1\"></span>f<span class=\"_ _1\"></span>\u00f8ljen i Sparebank<span class=\"_ _1\"></span>en V<span class=\"_ _2\"></span>est </span><span style=\"display:inherit;clear:left;\">benyt<span class=\"_ _1\"></span>tes de<span class=\"_ _1\"></span>t 11 risikoklas<span class=\"_ _1\"></span>ser fr<span class=\"_ _1\"></span>a A til K et<span class=\"_ _1\"></span>ter be<span class=\"_ _1\"></span>tjeningse<span class=\"_ _1\"></span>vne. </span><span style=\"display:inherit;clear:left;\">Risikoklasse K er eng<span class=\"_ _1\"></span>asjement i mislighold.</span><span style=\"display:inherit;clear:left;\">ii) F<span class=\"_ _2\"></span>orvent<span class=\"_ _1\"></span>et ek<span class=\"_ _1\"></span>sponering ved mis<span class=\"_ _1\"></span>lighold (EAD) <span class=\"ff4\">er en beregne<span class=\"_ _1\"></span>t </span></span><span style=\"display:inherit;clear:left;\">st<span class=\"_ _1\"></span>\u00f8rrelse som viser f<span class=\"_ _1\"></span>orv<span class=\"_ _1\"></span>en<span class=\"_ _1\"></span>te<span class=\"_ _1\"></span>t eksponering mo<span class=\"_ _1\"></span>t kunden p\u00e5 </span><span style=\"display:inherit;clear:left;\">tidspunkt for mislighold. EAD blir e<span class=\"_ _1\"></span>stimert som summen a<span class=\"_ _1\"></span>v </span><span style=\"display:inherit;clear:left;\">observert tr<span class=\"_ _1\"></span>ekk og f<span class=\"_ _1\"></span>orven<span class=\"_ _1\"></span>te<span class=\"_ _1\"></span>t tr<span class=\"_ _1\"></span>ekk p\u00e5 utrukne r<span class=\"_ _1\"></span>ammer<span class=\"_ _0\"></span>.</span><span style=\"display:inherit;clear:left;\">iii) T<span class=\"_ _2\"></span>ap git<span class=\"_ _1\"></span>t mislighold (L<span class=\"_ _2\"></span>GD) <span class=\"ff4\">angir tapsgraden f<span class=\"_ _1\"></span>or engasjemen<span class=\"_ _1\"></span>t i </span></span><span style=\"display:inherit;clear:left;\">mislighold uttrykt som pr<span class=\"_ _1\"></span>osent a<span class=\"_ _2\"></span>v EAD. F<span class=\"_ _2\"></span>or b\u00e5de personmarked </span><span style=\"display:inherit;clear:left;\">(PM) og bedriftsmarked (BM) blir denne k<span class=\"_ _1\"></span>alkulert basert p\u00e5 </span><span style=\"display:inherit;clear:left;\">int<span class=\"_ _1\"></span>erne modeller<span class=\"_ _0\"></span>. Pan<span class=\"_ _1\"></span>te<span class=\"_ _1\"></span>type, pant<span class=\"_ _1\"></span>ev<span class=\"_ _1\"></span>er<span class=\"_ _1\"></span>di og sanns<span class=\"_ _1\"></span>ynlighet<span class=\"_ _1\"></span>en f<span class=\"_ _1\"></span>or </span><span style=\"display:inherit;clear:left;\">tilfriskning er sentr<span class=\"_ _1\"></span>ale par<span class=\"_ _1\"></span>ame<span class=\"_ _1\"></span>ter<span class=\"_ _1\"></span>e i ber<span class=\"_ _1\"></span>egning<span class=\"_ _1\"></span>en a<span class=\"_ _1\"></span>v tapsgr<span class=\"_ _1\"></span>ad. I </span><span style=\"display:inherit;clear:left;\">tillegg til \u00e5 beregne f<span class=\"_ _1\"></span>orv<span class=\"_ _1\"></span>en<span class=\"_ _1\"></span>te<span class=\"_ _1\"></span>t tapsgr<span class=\"_ _1\"></span>ad, jus<span class=\"_ _1\"></span>ter<span class=\"_ _1\"></span>es de<span class=\"_ _1\"></span>t f<span class=\"_ _1\"></span>or ned-</span><span style=\"display:inherit;clear:left;\">gangskonjunktur v<span class=\"_ _1\"></span>ed \u00e5 ber<span class=\"_ _1\"></span>egne \u201d<span class=\"_ _1\"></span>down<span class=\"_ _1\"></span>turn L<span class=\"_ _2\"></span>GD\u201d. Et<span class=\"_ _1\"></span>tersom </span><span style=\"display:inherit;clear:left;\">banken har f<span class=\"_ _1\"></span>\u00e5<span class=\"_ _1\"></span>t<span class=\"_ _1\"></span>t AIRB-godkjenning, benyt<span class=\"_ _1\"></span>tes do<span class=\"_ _1\"></span>wn<span class=\"_ _1\"></span>turn L<span class=\"_ _1\"></span>GD fr<span class=\"_ _1\"></span>a </span><span style=\"display:inherit;clear:left;\">bankens in<span class=\"_ _1\"></span>terne modeller i ber<span class=\"_ _1\"></span>egning a<span class=\"_ _1\"></span>v k<span class=\"_ _1\"></span>apitaldekning for b\u00e5<span class=\"_ _1\"></span>de </span><span style=\"display:inherit;clear:left;\">PM og BM. Unntak gjelder f<span class=\"_ _1\"></span>or boligl\u00e5nsport<span class=\"_ _1\"></span>ef<span class=\"_ _1\"></span>\u00f8ljen der de<span class=\"_ _1\"></span>t er kr<span class=\"_ _1\"></span>a<span class=\"_ _1\"></span>v </span><span style=\"display:inherit;clear:left;\">om a<span class=\"_ _1\"></span>t L<span class=\"_ _1\"></span>GD som ben<span class=\"_ _1\"></span>ytt<span class=\"_ _1\"></span>es i kapitaldekning skal ber<span class=\"_ _1\"></span>egnes i henhold </span><span style=\"display:inherit;clear:left;\">til en re<span class=\"_ _1\"></span>f<span class=\"_ _1\"></span>er<span class=\"_ _1\"></span>ansemodell gitt a<span class=\"_ _1\"></span>v Finanstils<span class=\"_ _1\"></span>yne<span class=\"_ _1\"></span>t.</span><span style=\"display:inherit;clear:left;\">Scor<span class=\"_ _1\"></span>ekortmodellene er s<span class=\"_ _1\"></span>ta<span class=\"_ _1\"></span>tistisk<span class=\"_ _1\"></span>e modeller f<span class=\"_ _1\"></span>or \u00e5 pr<span class=\"_ _1\"></span>ediker<span class=\"_ _1\"></span>e </span><span style=\"display:inherit;clear:left;\">fram<span class=\"_ _1\"></span>tidig<span class=\"_ _1\"></span>e utf<span class=\"_ _1\"></span>all. Her anv<span class=\"_ _1\"></span>endes da<span class=\"_ _1\"></span>ta fr<span class=\"_ _1\"></span>a in<span class=\"_ _1\"></span>terne og ek<span class=\"_ _1\"></span>st<span class=\"_ _1\"></span>erne </span><span style=\"display:inherit;clear:left;\">kilder<span class=\"_ _2\"></span>, og alle engasjemen<span class=\"_ _1\"></span>t risikoklas<span class=\"_ _1\"></span>sifiser<span class=\"_ _1\"></span>es m\u00e5nedlig. F<span class=\"_ _1\"></span>or alle </span><span style=\"display:inherit;clear:left;\">engasjemen<span class=\"_ _1\"></span>t har banken aut<span class=\"_ _1\"></span>oma<span class=\"_ _1\"></span>tisert f<span class=\"_ _1\"></span>angst a<span class=\"_ _1\"></span>v risik<span class=\"_ _1\"></span>oda<span class=\"_ _1\"></span>ta. F<span class=\"_ _2\"></span>or </span><span style=\"display:inherit;clear:left;\">bedriftsengasjemen<span class=\"_ _1\"></span>t er det i tillegg manuell opp<span class=\"_ _1\"></span>f<span class=\"_ _1\"></span>\u00f8lging og </span><span style=\"display:inherit;clear:left;\">oppda<span class=\"_ _1\"></span>tering med en fr<span class=\"_ _1\"></span>ekv<span class=\"_ _1\"></span>ens a<span class=\"_ _1\"></span>vhengig a<span class=\"_ _1\"></span>v engasjemen<span class=\"_ _1\"></span>te<span class=\"_ _1\"></span>ts </span><span style=\"display:inherit;clear:left;\">st<span class=\"_ _1\"></span>\u00f8rrelse o<span class=\"_ _1\"></span>g risiko<span class=\"_ _1\"></span>. Risikoklas<span class=\"_ _1\"></span>sifiseringen gir n\u00f8kkeltall som er </span><span style=\"display:inherit;clear:left;\">sentr<span class=\"_ _1\"></span>ale i s<span class=\"_ _1\"></span>tyringen a<span class=\"_ _1\"></span>v bank<span class=\"_ _1\"></span>en. </span><span style=\"display:inherit;clear:left;\">Risikoklas<span class=\"_ _1\"></span>ser basert p\u00e5 misligholdssanns<span class=\"_ _1\"></span>ynlighe<span class=\"_ _1\"></span>t</span><span style=\"display:inherit;clear:left;\">Risikoklas<span class=\"_ _1\"></span>se<span class=\"_ _7a\"> </span>F<span class=\"_ _1\"></span>r<span class=\"_ _1\"></span>a og med<span class=\"_ _97\"> </span><span class=\"ls84 wsdf\">Til</span></span><span style=\"display:inherit;clear:left;\">A<span class=\"_ _182\"> </span><span class=\"ls109 ws16b\">0,0<span class=\"_ _8\"></span>0 %<span class=\"_ _86\"> </span></span>0,<span class=\"_ _2\"></span>10 %</span><span style=\"display:inherit;clear:left;\">B<span class=\"_ _1f9\"> </span>0,<span class=\"_ _0\"></span>10 %<span class=\"_ _6b\"> </span>0<span class=\"_ _1\"></span>,2<span class=\"_ _1\"></span>5 %</span><span style=\"display:inherit;clear:left;\">C<span class=\"_ _1fa\"> </span>0,2<span class=\"_ _1\"></span>5 %<span class=\"_ _83\"> </span><span class=\"ls109 ws16b\">0,5<span class=\"_ _8\"></span>0 %</span></span><span style=\"display:inherit;clear:left;\">D<span class=\"_ _182\"> </span><span class=\"ls109 ws16b\">0,5<span class=\"_ _8\"></span>0 %<span class=\"_ _85\"> </span></span>0,<span class=\"_ _1\"></span>90 %</span><span style=\"display:inherit;clear:left;\">E<span class=\"_ _f4\"> </span>0,90 %<span class=\"_ _8e\"> </span>1,50 %</span><span style=\"display:inherit;clear:left;\">F<span class=\"_ _1fb\"> </span>1,50 %<span class=\"_ _9b\"> </span>2,<span class=\"_ _2\"></span>75 %</span><span style=\"display:inherit;clear:left;\">G<span class=\"_ _15e\"> </span>2,<span class=\"_ _2\"></span>75 %<span class=\"_ _83\"> </span>5,<span class=\"_ _1\"></span>00 %</span><span style=\"display:inherit;clear:left;\">H<span class=\"_ _182\"> </span>5,<span class=\"_ _1\"></span>00 %<span class=\"_ _cc\"> </span>10,<span class=\"_ _1\"></span>00 %</span><span style=\"display:inherit;clear:left;\">I<span class=\"_ _182\"> </span>10<span class=\"_ _1\"></span>,<span class=\"_ _1\"></span>00 %<span class=\"_ _131\"> </span>25,<span class=\"_ _1\"></span>00 %</span><span style=\"display:inherit;clear:left;\">J<span class=\"_ _ad\"> </span>25<span class=\"_ _1\"></span>,00 %<span class=\"_ _ea\"> </span>100,00 %</span><span style=\"display:inherit;clear:left;\">K<span class=\"_ _14e\"> </span>100,<span class=\"_ _1\"></span>00 %<span class=\"_ _5c\"> </span>100,<span class=\"_ _1\"></span>00 %</span><span style=\"display:inherit;clear:left;\">KONSERN<span class=\"_ _23\"> </span><span class=\"lsd wsd\">Engasjementsbel\u00f8p<span class=\"_ _76\"> </span><span class=\"ls5 ws5\">Ned<span class=\"_ _8\"></span>skriving</span></span></span><span style=\"display:inherit;clear:left;\">Sum pr<span class=\"_ _2\"></span>.<span class=\"ls0 ws0\"> </span></span><span style=\"display:inherit;clear:left;\">Sum pr<span class=\"_ _2\"></span>.<span class=\"ls0 ws0\"> </span></span><span style=\"display:inherit;clear:left;\">Sum pr<span class=\"_ _2\"></span>.<span class=\"ls0 ws0\"> </span></span><span style=\"display:inherit;clear:left;\">Sum pr<span class=\"_ _2\"></span>.<span class=\"ls0 ws0\"> </span></span><span style=\"display:inherit;clear:left;\">Steg 1<span class=\"_ _5c\"> </span>Steg 2<span class=\"_ _c6\"> </span>Ste<span class=\"_ _8\"></span>g 3</span><span style=\"display:inherit;clear:left;\">3<span class=\"_ _8\"></span>1/<span class=\"_ _a\"></span>1<span class=\"_ _8\"></span>2-2<span class=\"_ _8\"></span>3</span><span style=\"display:inherit;clear:left;\">3<span class=\"_ _8\"></span>1/<span class=\"_ _a\"></span>1<span class=\"_ _8\"></span>2-2<span class=\"_ _8\"></span>2<span class=\"_ _9e\"> </span><span class=\"lsa wsa\">Steg 1<span class=\"_ _ea\"> </span>St<span class=\"_ _8\"></span>eg 2<span class=\"_ _c6\"> </span>Ste<span class=\"_ _8\"></span>g 3</span></span><span style=\"display:inherit;clear:left;\">3<span class=\"_ _8\"></span>1/<span class=\"_ _a\"></span>1<span class=\"_ _8\"></span>2-2<span class=\"_ _8\"></span>3</span><span style=\"display:inherit;clear:left;\">3<span class=\"_ _8\"></span>1/<span class=\"_ _a\"></span>1<span class=\"_ _8\"></span>2-2<span class=\"_ _8\"></span>2</span><span style=\"display:inherit;clear:left;\">Bedriftsmarked</span><span style=\"display:inherit;clear:left;\">A-D<span class=\"_ _cf\"> </span><span class=\"ls0 ws0\">3<span class=\"_ _8\"></span>0 400<span class=\"_ _cc\"> </span>3 118<span class=\"_ _78\"> </span>0<span class=\"_ _19\"> </span>33 518<span class=\"_ _c1\"> </span>30 903<span class=\"_ _8d\"> </span><span class=\"ls128 ws1d2\">83<span class=\"_ _94\"> </span><span class=\"ls33 ws84\">58<span class=\"_ _17\"> </span></span></span>0<span class=\"_ _86\"> </span><span class=\"ls131 ws1dd\">1<span class=\"_ _8\"></span>41<span class=\"_ _74\"> </span></span>65</span></span><span style=\"display:inherit;clear:left;\">E-<span class=\"_ _8\"></span>H<span class=\"_ _e1\"> </span></span><span style=\"display:inherit;clear:left;\">28 051<span class=\"_ _19a\"> </span>7 101<span class=\"_ _78\"> </span>0<span class=\"_ _19\"> </span>35 152<span class=\"_ _5a\"> </span></span><span style=\"display:inherit;clear:left;\">32<span class=\"_ _a\"></span> 6<span class=\"_ _8\"></span>87<span class=\"_ _14\"> </span></span><span style=\"display:inherit;clear:left;\">167<span class=\"_ _74\"> </span><span class=\"ls82 ws14b\">97<span class=\"_ _17\"> </span></span></span><span style=\"display:inherit;clear:left;\">0</span><span style=\"display:inherit;clear:left;\"><span class=\"_ _cd\"> </span><span class=\"ls125 ws1cf\">26<span class=\"_ _8\"></span>4<span class=\"_ _83\"> </span><span class=\"ls139 ws1e6\">338</span></span></span><span style=\"display:inherit;clear:left;\">I-J<span class=\"_ _16a\"> </span></span><span style=\"display:inherit;clear:left;\">1 662<span class=\"_ _8a\"> </span><span class=\"ls123 ws1cd\">802<span class=\"_ _17\"> </span></span>0<span class=\"_ _5b\"> </span>2 464<span class=\"_ _1b4\"> </span></span><span style=\"display:inherit;clear:left;\">2 040<span class=\"_ _e9\"> </span></span><span style=\"display:inherit;clear:left;\">14<span class=\"_ _94\"> </span><span class=\"ls122 ws1cc\">26<span class=\"_ _78\"> </span></span></span><span style=\"display:inherit;clear:left;\">0</span><span style=\"display:inherit;clear:left;\"><span class=\"_ _6e\"> </span><span class=\"ls133 ws1e0\">40<span class=\"_ _94\"> </span><span class=\"ls135 ws1e2\">89</span></span></span><span style=\"display:inherit;clear:left;\">K<span class=\"_ _1d1\"> </span>2<span class=\"_ _17\"> </span>0<span class=\"_ _131\"> </span><span class=\"lsa wsa\">1 237<span class=\"_ _c7\"> </span></span>1 23<span class=\"_ _8\"></span>9<span class=\"_ _a8\"> </span>1 0<span class=\"_ _8\"></span>20<span class=\"_ _4a\"> </span>0<span class=\"_ _17\"> </span>0<span class=\"_ _90\"> </span><span class=\"ls11 ws11\">400<span class=\"_ _90\"> </span>400<span class=\"_ _8a\"> </span><span class=\"ls33 ws84\">36<span class=\"_ _8\"></span>3</span></span></span><span style=\"display:inherit;clear:left;\">T<span class=\"_ _2\"></span>otalt bedr<span class=\"_ _1\"></span>ifts<span class=\"_ _1\"></span><span class=\"ls0 ws0\">-</span></span><span style=\"display:inherit;clear:left;\">marked<span class=\"_ _ee\"> </span></span><span style=\"display:inherit;clear:left;\">60 1<span class=\"_ _8\"></span>14<span class=\"_ _5c\"> </span></span><span style=\"display:inherit;clear:left;\">11 0<span class=\"_ _8\"></span>21<span class=\"_ _d8\"> </span></span><span style=\"display:inherit;clear:left;\">1 2<span class=\"_ _8\"></span>37<span class=\"_ _bf\"> </span></span><span style=\"display:inherit;clear:left;\">72 3<span class=\"_ _8\"></span>72<span class=\"_ _c2\"> </span></span><span style=\"display:inherit;clear:left;\">66 6<span class=\"_ _8\"></span>50<span class=\"_ _ba\"> </span></span><span style=\"display:inherit;clear:left;\">264<span class=\"_ _189\"> </span></span><span style=\"display:inherit;clear:left;\">181<span class=\"_ _b7\"> </span></span><span style=\"display:inherit;clear:left;\">400<span class=\"_ _89\"> </span><span class=\"ls11 ws11\">845<span class=\"_ _89\"> </span><span class=\"lse wse\">855</span></span></span><span style=\"display:inherit;clear:left;\">Sum pr<span class=\"_ _2\"></span>.<span class=\"ls0 ws0\"> </span></span><span style=\"display:inherit;clear:left;\">Sum pr<span class=\"_ _2\"></span>.<span class=\"ls0 ws0\"> </span></span><span style=\"display:inherit;clear:left;\">Sum pr<span class=\"_ _2\"></span>.<span class=\"ls0 ws0\"> </span></span><span style=\"display:inherit;clear:left;\">Sum pr<span class=\"_ _2\"></span>.<span class=\"ls0 ws0\"> </span></span><span style=\"display:inherit;clear:left;\">Steg 1<span class=\"_ _5c\"> </span>Steg 2<span class=\"_ _c6\"> </span>Ste<span class=\"_ _8\"></span>g 3</span><span style=\"display:inherit;clear:left;\">3<span class=\"_ _8\"></span>1/<span class=\"_ _a\"></span>1<span class=\"_ _8\"></span>2-2<span class=\"_ _8\"></span>3</span><span style=\"display:inherit;clear:left;\">3<span class=\"_ _8\"></span>1/<span class=\"_ _a\"></span>1<span class=\"_ _8\"></span>2-2<span class=\"_ _8\"></span>2<span class=\"_ _9e\"> </span><span class=\"lsa wsa\">Steg 1<span class=\"_ _ea\"> </span>St<span class=\"_ _8\"></span>eg 2<span class=\"_ _c6\"> </span>Ste<span class=\"_ _8\"></span>g 3</span></span><span style=\"display:inherit;clear:left;\">3<span class=\"_ _8\"></span>1/<span class=\"_ _a\"></span>1<span class=\"_ _8\"></span>2-2<span class=\"_ _8\"></span>3</span><span style=\"display:inherit;clear:left;\">3<span class=\"_ _8\"></span>1/<span class=\"_ _a\"></span>1<span class=\"_ _8\"></span>2-2<span class=\"_ _8\"></span>2</span><span style=\"display:inherit;clear:left;\">Priva<span class=\"_ _1\"></span>tmark<span class=\"_ _1\"></span>ed</span><span style=\"display:inherit;clear:left;\">A-D<span class=\"_ _1c\"> </span></span><span style=\"display:inherit;clear:left;\">170 9<span class=\"_ _8\"></span>32<span class=\"_ _131\"> </span></span><span style=\"display:inherit;clear:left;\">1<span class=\"_ _8\"></span> 74<span class=\"_ _a\"></span>5<span class=\"_ _16\"> </span><span class=\"ls0 ws0\">0<span class=\"_ _c2\"> </span>17<span class=\"_ _1\"></span>2 6<span class=\"_ _1\"></span>7<span class=\"_ _1\"></span>6<span class=\"_ _59\"> </span>152 83<span class=\"_ _1\"></span>7<span class=\"_ _8d\"> </span><span class=\"lse wse\">38<span class=\"_ _78\"> </span></span>6<span class=\"_ _78\"> </span>0<span class=\"_ _6f\"> </span>44<span class=\"_ _93\"> </span>10</span></span><span style=\"display:inherit;clear:left;\">E-<span class=\"_ _8\"></span>H<span class=\"_ _e1\"> </span></span><span style=\"display:inherit;clear:left;\">31<span class=\"_ _8\"></span> 070<span class=\"_ _d8\"> </span></span><span style=\"display:inherit;clear:left;\">3 481<span class=\"_ _78\"> </span>0<span class=\"_ _10e\"> </span></span><span style=\"display:inherit;clear:left;\">34 5<span class=\"_ _8\"></span>50<span class=\"_ _c3\"> </span></span><span style=\"display:inherit;clear:left;\">28 5<span class=\"_ _8\"></span>43<span class=\"_ _8b\"> </span></span><span style=\"display:inherit;clear:left;\">14<span class=\"_ _94\"> </span><span class=\"ls122 ws1cc\">26<span class=\"_ _17\"> </span></span></span><span style=\"display:inherit;clear:left;\">0</span><span style=\"display:inherit;clear:left;\"><span class=\"_ _6e\"> </span><span class=\"ls133 ws1e0\">40<span class=\"_ _94\"> </span><span class=\"ls12c ws1d6\">30</span></span></span><span style=\"display:inherit;clear:left;\">I-J<span class=\"_ _16a\"> </span></span><span style=\"display:inherit;clear:left;\">1 502<span class=\"_ _c7\"> </span><span class=\"ls9 ws9\">1 632<span class=\"_ _78\"> </span></span>0<span class=\"_ _d8\"> </span>3 134<span class=\"_ _131\"> </span>2 8<span class=\"_ _1\"></span>21<span class=\"_ _a1\"> </span>3<span class=\"_ _74\"> </span><span class=\"ls12d ws1d7\">33<span class=\"_ _18\"> </span></span>0<span class=\"_ _74\"> </span><span class=\"ls12c ws1d6\">36<span class=\"_ _ba\"> </span><span class=\"ls122 ws1cc\">43</span></span></span><span style=\"display:inherit;clear:left;\">K<span class=\"_ _1fc\"> </span>0<span class=\"_ _17\"> </span>0<span class=\"_ _87\"> </span></span><span style=\"display:inherit;clear:left;\">32<span class=\"_ _8\"></span>2<span class=\"_ _87\"> </span>322<span class=\"_ _83\"> </span><span class=\"ls120 ws1cb\">273<span class=\"_ _a1\"> </span></span></span><span style=\"display:inherit;clear:left;\">0</span><span style=\"display:inherit;clear:left;\"><span class=\"_ _17\"> </span></span><span style=\"display:inherit;clear:left;\">0</span><span style=\"display:inherit;clear:left;\"><span class=\"_ _ba\"> </span><span class=\"lse wse\">60<span class=\"_ _ba\"> </span>60<span class=\"_ _74\"> </span><span class=\"lsa wsa\">37</span></span></span><span style=\"display:inherit;clear:left;\">T<span class=\"_ _2\"></span>otalt priva<span class=\"_ _1\"></span>tmark<span class=\"_ _1\"></span>ed<span class=\"_ _1fd\"> </span></span><span style=\"display:inherit;clear:left;\">203 504<span class=\"_ _10a\"> </span><span class=\"ls92 wsee\">6 857<span class=\"_ _8a\"> </span><span class=\"ls9 ws9\">322<span class=\"_ _b9\"> </span></span></span>2<span class=\"_ _8\"></span>10 683<span class=\"_ _11a\"> </span></span><span style=\"display:inherit;clear:left;\">1<span class=\"_ _8\"></span>8<span class=\"_ _a\"></span>4<span class=\"_ _8\"></span> 47<span class=\"_ _8\"></span>3<span class=\"_ _3e\"> </span></span><span style=\"display:inherit;clear:left;\">55<span class=\"_ _6e\"> </span></span><span style=\"display:inherit;clear:left;\">66<span class=\"_ _6e\"> </span>60<span class=\"_ _189\"> </span><span class=\"ls12 ws12\">181<span class=\"_ _83\"> </span><span class=\"ls11f ws1ca\">120</span></span></span><span style=\"display:inherit;clear:left;\">Sum<span class=\"_ _f3\"> </span><span class=\"ls0 ws0\">26<span class=\"_ _8\"></span>3 618<span class=\"_ _113\"> </span><span class=\"ls62 wsb6\">17 8<span class=\"_ _8\"></span>78<span class=\"_ _a3\"> </span></span>1 559<span class=\"_ _1fe\"> </span>283 0<span class=\"_ _8\"></span>55<span class=\"_ _bd\"> </span><span class=\"ls92 wsee\">22<span class=\"_ _8\"></span>9 173<span class=\"_ _72\"> </span><span class=\"ls11f ws1ca\">319<span class=\"_ _cd\"> </span><span class=\"ls145 ws1f4\">2<span class=\"_ _a\"></span>47<span class=\"_ _83\"> </span><span class=\"ls33 ws84\">461<span class=\"_ _9f\"> </span></span></span></span></span>1 026<span class=\"_ _87\"> </span><span class=\"ls15 ws15\">976</span></span></span><span style=\"display:inherit;clear:left;\">Nedskriving utl\u00e5n<span class=\"_ _1\"></span> (saldo<span class=\"_ _1\"></span>)<span class=\"_ _1ff\"> </span><span class=\"ls132 ws1de\">878<span class=\"_ _87\"> </span><span class=\"ls82 ws14b\">880</span></span></span><span style=\"display:inherit;clear:left;\">Nedskriving ubenyttet<span class=\"_ _1\"></span> kreditt, l\u00e5neti<span class=\"_ _1\"></span>lsagn og garan<span class=\"_ _1\"></span>tier<span class=\"_ _200\"> </span><span class=\"lsa wsa\">149<span class=\"_ _94\"> </span></span>96</span><span style=\"display:inherit;clear:left;\">Sum nedskrivinger<span class=\"_ _201\"> </span><span class=\"ls11f ws1ca\">1026<span class=\"_ _8a\"> </span><span class=\"ls15 ws15\">9<span class=\"_ _8\"></span>76</span></span></span><span style=\"display:inherit;clear:left;\">MORBANK<span class=\"_ _194\"> </span><span class=\"lsd wsd\">Enga<span class=\"_ _8\"></span>sjementsbel\u00f8p<span class=\"_ _76\"> </span><span class=\"ls5 ws5\">Nedskriving</span></span></span><span style=\"display:inherit;clear:left;\">Sum pr<span class=\"_ _2\"></span>.<span class=\"ls0 ws0\"> </span></span><span style=\"display:inherit;clear:left;\">Sum pr<span class=\"_ _2\"></span>.<span class=\"ls0 ws0\"> </span></span><span style=\"display:inherit;clear:left;\">Sum pr<span class=\"_ _2\"></span>.<span class=\"ls0 ws0\"> </span></span><span style=\"display:inherit;clear:left;\">Sum pr<span class=\"_ _2\"></span>.<span class=\"ls0 ws0\"> </span></span><span style=\"display:inherit;clear:left;\">Steg 1<span class=\"_ _5c\"> </span>Steg 2<span class=\"_ _c6\"> </span>Ste<span class=\"_ _8\"></span>g 3</span><span style=\"display:inherit;clear:left;\">3<span class=\"_ _8\"></span>1/<span class=\"_ _a\"></span>1<span class=\"_ _8\"></span>2-2<span class=\"_ _8\"></span>3</span><span style=\"display:inherit;clear:left;\">3<span class=\"_ _8\"></span>1/<span class=\"_ _a\"></span>1<span class=\"_ _8\"></span>2-2<span class=\"_ _8\"></span>2<span class=\"_ _9e\"> </span><span class=\"lsa wsa\">Steg 1<span class=\"_ _ea\"> </span>St<span class=\"_ _8\"></span>eg 2<span class=\"_ _c6\"> </span>Ste<span class=\"_ _8\"></span>g 3</span></span><span style=\"display:inherit;clear:left;\">3<span class=\"_ _8\"></span>1/<span class=\"_ _a\"></span>1<span class=\"_ _8\"></span>2-2<span class=\"_ _8\"></span>3</span><span style=\"display:inherit;clear:left;\">3<span class=\"_ _8\"></span>1/<span class=\"_ _a\"></span>1<span class=\"_ _8\"></span>2-2<span class=\"_ _8\"></span>2</span><span style=\"display:inherit;clear:left;\">Bedriftsmarked</span><span style=\"display:inherit;clear:left;\">A-D<span class=\"_ _5e\"> </span></span><span style=\"display:inherit;clear:left;\">28 8<span class=\"_ _8\"></span>79<span class=\"_ _9e\"> </span><span class=\"ls0 ws0\">3 093<span class=\"_ _78\"> </span>0<span class=\"_ _ea\"> </span><span class=\"ls6 ws6\">3<span class=\"_ _8\"></span>1<span class=\"_ _8\"></span> 97<span class=\"_ _8\"></span>3<span class=\"_ _5a\"> </span><span class=\"ls125 ws1cf\">29 256<span class=\"_ _3e\"> </span><span class=\"ls128 ws1d2\">83<span class=\"_ _ba\"> </span><span class=\"ls33 ws84\">58<span class=\"_ _78\"> </span></span></span></span></span>0<span class=\"_ _86\"> </span><span class=\"ls131 ws1dd\">1<span class=\"_ _8\"></span>41<span class=\"_ _74\"> </span></span>65</span></span><span style=\"display:inherit;clear:left;\">E-<span class=\"_ _8\"></span>H<span class=\"_ _e8\"> </span></span><span style=\"display:inherit;clear:left;\">27 6<span class=\"_ _8\"></span>75<span class=\"_ _9e\"> </span></span><span style=\"display:inherit;clear:left;\">6 9<span class=\"_ _8\"></span>95<span class=\"_ _17\"> </span>0<span class=\"_ _c3\"> </span><span class=\"ls4a ws9d\">3<span class=\"_ _8\"></span>4<span class=\"_ _8\"></span> 670<span class=\"_ _a5\"> </span></span>32 162<span class=\"_ _72\"> </span></span><span style=\"display:inherit;clear:left;\">166<span class=\"_ _94\"> </span><span class=\"ls5 ws5\">96<span class=\"_ _17\"> </span></span></span><span style=\"display:inherit;clear:left;\">0</span><span style=\"display:inherit;clear:left;\"><span class=\"_ _87\"> </span><span class=\"ls125 ws1cf\">262<span class=\"_ _83\"> </span><span class=\"ls139 ws1e6\">3<span class=\"_ _8\"></span>38</span></span></span><span style=\"display:inherit;clear:left;\">I-J<span class=\"_ _202\"> </span></span><span style=\"display:inherit;clear:left;\">1 610<span class=\"_ _87\"> </span><span class=\"ls124 ws1ce\">74<span class=\"_ _a\"></span>5<span class=\"_ _8d\"> </span></span>0<span class=\"_ _10b\"> </span></span><span style=\"display:inherit;clear:left;\">2<span class=\"_ _8\"></span> 354<span class=\"_ _131\"> </span></span><span style=\"display:inherit;clear:left;\">1 929<span class=\"_ _e9\"> </span></span><span style=\"display:inherit;clear:left;\">14<span class=\"_ _94\"> </span><span class=\"ls122 ws1cc\">26<span class=\"_ _78\"> </span></span></span><span style=\"display:inherit;clear:left;\">0</span><span style=\"display:inherit;clear:left;\"><span class=\"_ _108\"> </span><span class=\"ls133 ws1e0\">40<span class=\"_ _5d\"> </span><span class=\"ls132 ws1de\">87</span></span></span><span style=\"display:inherit;clear:left;\">K<span class=\"_ _1d1\"> </span>2<span class=\"_ _17\"> </span>0<span class=\"_ _d8\"> </span>1 230<span class=\"_ _131\"> </span><span class=\"ls9 ws9\">1 232<span class=\"_ _131\"> </span></span>1 01<span class=\"_ _8\"></span>0<span class=\"_ _4a\"> </span>0<span class=\"_ _17\"> </span>0<span class=\"_ _90\"> </span><span class=\"ls11 ws11\">400<span class=\"_ _90\"> </span>400<span class=\"_ _8a\"> </span><span class=\"ls33 ws84\">363</span></span></span><span style=\"display:inherit;clear:left;\">T<span class=\"_ _2\"></span>otalt bedr<span class=\"_ _1\"></span>ifts<span class=\"_ _1\"></span><span class=\"ls0 ws0\">-</span></span><span style=\"display:inherit;clear:left;\">marked<span class=\"_ _2d\"> </span></span><span style=\"display:inherit;clear:left;\">58 16<span class=\"_ _8\"></span>5<span class=\"_ _bf\"> </span>10 8<span class=\"_ _8\"></span>33<span class=\"_ _a8\"> </span>1 230<span class=\"_ _10e\"> </span></span><span style=\"display:inherit;clear:left;\">70<span class=\"_ _8\"></span> 2<span class=\"_ _8\"></span>29<span class=\"_ _10e\"> </span><span class=\"ls92 wsee\">64 3<span class=\"_ _8\"></span>57<span class=\"_ _74\"> </span><span class=\"ls11f ws1ca\">263<span class=\"_ _6b\"> </span></span>179<span class=\"_ _b7\"> </span><span class=\"ls123 ws1cd\">400<span class=\"_ _dd\"> </span><span class=\"ls11 ws11\">84<span class=\"_ _8\"></span>3<span class=\"_ _cd\"> </span></span></span>852</span></span><span style=\"display:inherit;clear:left;\">Sum pr<span class=\"_ _2\"></span>.<span class=\"ls0 ws0\"> </span></span><span style=\"display:inherit;clear:left;\">Sum pr<span class=\"_ _2\"></span>.<span class=\"ls0 ws0\"> </span></span><span style=\"display:inherit;clear:left;\">Sum pr<span class=\"_ _2\"></span>.<span class=\"ls0 ws0\"> </span></span><span style=\"display:inherit;clear:left;\">Sum pr<span class=\"_ _2\"></span>.<span class=\"ls0 ws0\"> </span></span><span style=\"display:inherit;clear:left;\">Steg 1<span class=\"_ _5c\"> </span>Steg 2<span class=\"_ _c6\"> </span>Ste<span class=\"_ _8\"></span>g 3</span><span style=\"display:inherit;clear:left;\">3<span class=\"_ _8\"></span>1/<span class=\"_ _a\"></span>1<span class=\"_ _8\"></span>2-2<span class=\"_ _8\"></span>3</span><span style=\"display:inherit;clear:left;\">3<span class=\"_ _8\"></span>1/<span class=\"_ _a\"></span>1<span class=\"_ _8\"></span>2-2<span class=\"_ _8\"></span>2<span class=\"_ _9e\"> </span><span class=\"lsa wsa\">Steg 1<span class=\"_ _ea\"> </span>St<span class=\"_ _8\"></span>eg 2<span class=\"_ _c6\"> </span>Ste<span class=\"_ _8\"></span>g 3</span></span><span style=\"display:inherit;clear:left;\">3<span class=\"_ _8\"></span>1/<span class=\"_ _a\"></span>1<span class=\"_ _8\"></span>2-2<span class=\"_ _8\"></span>3</span><span style=\"display:inherit;clear:left;\">3<span class=\"_ _8\"></span>1/<span class=\"_ _a\"></span>1<span class=\"_ _8\"></span>2-2<span class=\"_ _8\"></span>2</span><span style=\"display:inherit;clear:left;\">Priva<span class=\"_ _1\"></span>tmark<span class=\"_ _1\"></span>ed</span><span style=\"display:inherit;clear:left;\">A-D<span class=\"_ _e8\"> </span></span><span style=\"display:inherit;clear:left;\">48<span class=\"_ _8\"></span> 179<span class=\"_ _cd\"> </span></span><span style=\"display:inherit;clear:left;\">6<span class=\"_ _8\"></span>42<span class=\"_ _78\"> </span><span class=\"ls0 ws0\">0<span class=\"_ _111\"> </span>48 821<span class=\"_ _c3\"> </span><span class=\"ls12f ws1d9\">40<span class=\"_ _8\"></span> 573<span class=\"_ _9a\"> </span><span class=\"ls123 ws1cd\">16<span class=\"_ _91\"> </span></span></span>1<span class=\"_ _17\"> </span>0<span class=\"_ _72\"> </span>18<span class=\"_ _8d\"> </span>7</span></span><span style=\"display:inherit;clear:left;\">E-<span class=\"_ _8\"></span>H<span class=\"_ _16f\"> </span><span class=\"ls0 ws0\">10 600<span class=\"_ _db\"> </span>1 2<span class=\"_ _8\"></span>23<span class=\"_ _17\"> </span>0<span class=\"_ _1b4\"> </span>11 822<span class=\"_ _10b\"> </span>8 634<span class=\"_ _a1\"> </span>6<span class=\"_ _16\"> </span>9<span class=\"_ _78\"> </span>0<span class=\"_ _5d\"> </span>14<span class=\"_ _93\"> </span>14</span></span><span style=\"display:inherit;clear:left;\">I-J<span class=\"_ _181\"> </span></span><span style=\"display:inherit;clear:left;\">836<span class=\"_ _83\"> </span><span class=\"ls82 ws14b\">697<span class=\"_ _17\"> </span><span class=\"ls0 ws0\">0<span class=\"_ _d8\"> </span></span></span></span><span style=\"display:inherit;clear:left;\">1 5<span class=\"_ _8\"></span>34<span class=\"_ _db\"> </span></span><span style=\"display:inherit;clear:left;\">1<span class=\"_ _8\"></span> 262<span class=\"_ _a2\"> </span><span class=\"ls0 ws0\">2<span class=\"_ _1b\"> </span><span class=\"ls121 wsaa\">15<span class=\"_ _17\"> </span></span>0<span class=\"_ _72\"> </span>17<span class=\"_ _74\"> </span><span class=\"ls21 ws175\">23</span></span></span><span style=\"display:inherit;clear:left;\">K<span class=\"_ _1fc\"> </span>0<span class=\"_ _17\"> </span>0<span class=\"_ _8a\"> </span></span><span style=\"display:inherit;clear:left;\">202<span class=\"_ _cd\"> </span>20<span class=\"_ _8\"></span>2<span class=\"_ _6b\"> </span><span class=\"ls12 ws12\">139<span class=\"_ _4a\"> </span></span></span><span style=\"display:inherit;clear:left;\">0</span><span style=\"display:inherit;clear:left;\"><span class=\"_ _78\"> </span></span><span style=\"display:inherit;clear:left;\">0</span><span style=\"display:inherit;clear:left;\"><span class=\"_ _94\"> </span><span class=\"ls33 ws84\">39<span class=\"_ _94\"> </span>39<span class=\"_ _74\"> </span><span class=\"lsa wsa\">27</span></span></span><span style=\"display:inherit;clear:left;\">T<span class=\"_ _2\"></span>otalt priva<span class=\"_ _1\"></span>tmark<span class=\"_ _1\"></span>ed<span class=\"_ _c3\"> </span></span><span style=\"display:inherit;clear:left;\">59 615<span class=\"_ _9e\"> </span>2 562<span class=\"_ _89\"> </span><span class=\"ls11f ws1ca\">202<span class=\"_ _c3\"> </span><span class=\"ls13f ws1ed\">62 379<span class=\"_ _c2\"> </span></span></span>50 608<span class=\"_ _78\"> </span></span><span style=\"display:inherit;clear:left;\">24<span class=\"_ _94\"> </span></span><span style=\"display:inherit;clear:left;\">25<span class=\"_ _ba\"> </span></span><span style=\"display:inherit;clear:left;\">39<span class=\"_ _94\"> </span><span class=\"lse wse\">88<span class=\"_ _93\"> </span><span class=\"ls4f wsa1\">71</span></span></span><span style=\"display:inherit;clear:left;\">Sum<span class=\"_ _203\"> </span></span><span style=\"display:inherit;clear:left;\">117 78<span class=\"_ _8\"></span>0<span class=\"_ _5a\"> </span></span><span style=\"display:inherit;clear:left;\">13 395<span class=\"_ _10a\"> </span></span><span style=\"display:inherit;clear:left;\">1 4<span class=\"_ _8\"></span>32<span class=\"_ _11a\"> </span>132 6<span class=\"_ _8\"></span>08<span class=\"_ _57\"> </span></span><span style=\"display:inherit;clear:left;\">1<span class=\"_ _8\"></span>14 96<span class=\"_ _8\"></span>5<span class=\"_ _74\"> </span></span><span style=\"display:inherit;clear:left;\">287<span class=\"_ _cd\"> </span></span><span style=\"display:inherit;clear:left;\">205<span class=\"_ _dd\"> </span></span><span style=\"display:inherit;clear:left;\">438<span class=\"_ _89\"> </span><span class=\"ls11e wsb9\">930<span class=\"_ _cd\"> </span><span class=\"lsf2 ws154\">923</span></span></span><span style=\"display:inherit;clear:left;\">Nedskriving utl\u00e5n<span class=\"_ _1\"></span> (saldo<span class=\"_ _1\"></span>)<span class=\"_ _204\"> </span><span class=\"ls61 wsb5\">78<span class=\"_ _8\"></span>4<span class=\"_ _85\"> </span><span class=\"ls109 ws16b\">828</span></span></span><span style=\"display:inherit;clear:left;\">Nedskriving ubenyttet<span class=\"_ _1\"></span> kreditt, l\u00e5neti<span class=\"_ _1\"></span>lsagn og garan<span class=\"_ _1\"></span>tier<span class=\"_ _200\"> </span><span class=\"lsa wsa\">146<span class=\"_ _94\"> </span></span>96</span><span style=\"display:inherit;clear:left;\">Sum nedskrivinger<span class=\"_ _205\"> </span></span><span style=\"display:inherit;clear:left;\">930</span><span style=\"display:inherit;clear:left;\"><span class=\"_ _cd\"> </span><span class=\"lsf2 ws154\">923</span></span><span style=\"display:inherit;clear:left;\">No<span class=\"_ _1\"></span>te 9 U<span class=\"_ _1\"></span>tl\u00e5n f<span class=\"_ _c\"></span>ordel<span class=\"_ _1\"></span>t p\u00e5 geo<span class=\"_ _1\"></span>grafisk<span class=\"_ _1\"></span>e omr\u00e5der</span><span style=\"display:inherit;clear:left;\">KONSERN</span><span style=\"display:inherit;clear:left;\">31/12-<span class=\"_ _1\"></span>2022<span class=\"_ _206\"> </span>31/12-<span class=\"_ _1\"></span>2023</span><span style=\"display:inherit;clear:left;\">Andel</span><span style=\"display:inherit;clear:left;\">Nedskriv<span class=\"_ _1\"></span>ing </span><span style=\"display:inherit;clear:left;\">B<span class=\"_ _8\"></span>r<span class=\"_ _a\"></span>utt<span class=\"_ _8\"></span>o</span><span style=\"display:inherit;clear:left;\">Utl\u00e5n<span class=\"_ _1\"></span> forde<span class=\"_ _1\"></span>lt p\u00e5<span class=\"_ _1\"></span> geogr<span class=\"_ _1\"></span>afis<span class=\"_ _1\"></span>ke<span class=\"_ _1\"></span> <span class=\"ls0 ws0\"> </span></span><span style=\"display:inherit;clear:left;\">B<span class=\"_ _8\"></span>r<span class=\"_ _a\"></span>utt<span class=\"_ _8\"></span>o</span><span style=\"display:inherit;clear:left;\">Nedskriv<span class=\"_ _1\"></span>ing </span><span style=\"display:inherit;clear:left;\">Andel</span><span style=\"display:inherit;clear:left;\">n<span class=\"_ _8\"></span>e<span class=\"_ _8\"></span>tto<span class=\"_ _8\"></span> u<span class=\"_ _8\"></span>t<span class=\"_ _8\"></span>l<span class=\"_ _8\"></span>\u00e5<span class=\"_ _8\"></span>n</span><span style=\"display:inherit;clear:left;\">utl<span class=\"_ _8\"></span>\u00e5n</span><span style=\"display:inherit;clear:left;\">utl<span class=\"_ _8\"></span>\u00e5n</span><span style=\"display:inherit;clear:left;\">omr\u00e5de<span class=\"_ _1\"></span>r</span><span style=\"display:inherit;clear:left;\">utl<span class=\"_ _8\"></span>\u00e5n</span><span style=\"display:inherit;clear:left;\">utl<span class=\"_ _8\"></span>\u00e5n</span><span style=\"display:inherit;clear:left;\">n<span class=\"_ _8\"></span>e<span class=\"_ _8\"></span>tto<span class=\"_ _8\"></span> u<span class=\"_ _8\"></span>t<span class=\"_ _8\"></span>l<span class=\"_ _8\"></span>\u00e5<span class=\"_ _8\"></span>n</span><span style=\"display:inherit;clear:left;\">64,3<span class=\"_ _63\"> </span></span><span style=\"display:inherit;clear:left;\">644<span class=\"_ _db\"> </span></span><span style=\"display:inherit;clear:left;\">144 963<span class=\"_ _b9\"> </span></span><span style=\"display:inherit;clear:left;\">Vestland<span class=\"_ _207\"> </span></span><span style=\"display:inherit;clear:left;\">14<span class=\"_ _1\"></span>9 444<span class=\"_ _9d\"> </span><span class=\"ls84 wsdf\">524<span class=\"_ _4a\"> </span><span class=\"ls126 ws1d0\">58<span class=\"_ _8\"></span>,2</span></span></span><span style=\"display:inherit;clear:left;\">18,3<span class=\"_ _6a\"> </span></span><span style=\"display:inherit;clear:left;\">169<span class=\"_ _6b\"> </span></span><span style=\"display:inherit;clear:left;\">41<span class=\"_ _8\"></span> 24<span class=\"_ _8\"></span>2<span class=\"_ _b8\"> </span></span><span style=\"display:inherit;clear:left;\">Rogaland<span class=\"_ _208\"> </span></span><span style=\"display:inherit;clear:left;\">46 623<span class=\"_ _97\"> </span><span class=\"ls122 ws1cc\">268<span class=\"_ _e7\"> </span><span class=\"ls146 ws1f6\">1<span class=\"_ _a\"></span>8<span class=\"_ _a\"></span>,1</span></span></span><span style=\"display:inherit;clear:left;\">3,4<span class=\"_ _209\"> </span></span><span style=\"display:inherit;clear:left;\">29<span class=\"_ _1b\"> </span></span><span style=\"display:inherit;clear:left;\">7 651<span class=\"_ _b9\"> </span></span><span style=\"display:inherit;clear:left;\">M<span class=\"_ _8\"></span>\u00f8re<span class=\"_ _1\"></span> og Romsdal<span class=\"_ _11e\"> </span></span><span style=\"display:inherit;clear:left;\">9 359<span class=\"_ _48\"> </span><span class=\"ls122 ws1cc\">26<span class=\"_ _125\"> </span><span class=\"ls109 ws16b\">3,6</span></span></span><span style=\"display:inherit;clear:left;\">5,3<span class=\"_ _112\"> </span></span><span style=\"display:inherit;clear:left;\">17<span class=\"_ _65\"> </span><span class=\"ls0 ws0\">11 93<span class=\"_ _1\"></span>4<span class=\"_ _b9\"> </span><span class=\"ls11 ws11\">Osl<span class=\"_ _8\"></span>o<span class=\"_ _20a\"> </span></span>18 98<span class=\"_ _1\"></span>9<span class=\"_ _b6\"> </span>22<span class=\"_ _125\"> </span><span class=\"ls14a ws1fa\">7,<span class=\"_ _38\"></span>4</span></span></span><span style=\"display:inherit;clear:left;\">5,3<span class=\"_ _2f\"> </span><span class=\"ls0 ws0\">6<span class=\"_ _65\"> </span>11 966<span class=\"_ _b9\"> </span><span class=\"lsf wsf\">V<span class=\"_ _8\"></span>ike<span class=\"_ _8\"></span>n<span class=\"_ _1f1\"> </span></span>20 048<span class=\"_ _64\"> </span>11<span class=\"_ _63\"> </span><span class=\"ls14a ws1fa\">7,<span class=\"_ _a\"></span>8</span></span></span><span style=\"display:inherit;clear:left;\">3,0<span class=\"_ _2f\"> </span><span class=\"ls0 ws0\">9<span class=\"_ _ba\"> </span>6 688<span class=\"_ _11a\"> </span>Norg<span class=\"_ _1\"></span>e f<span class=\"_ _1\"></span>or \u00f8vrig<span class=\"_ _123\"> </span>11 504<span class=\"_ _84\"> </span>17<span class=\"_ _99\"> </span><span class=\"ls12c ws1d6\">4,5</span></span></span><span style=\"display:inherit;clear:left;\">99,6<span class=\"_ _88\"> </span></span><span style=\"display:inherit;clear:left;\">8<span class=\"_ _a\"></span>74<span class=\"_ _10a\"> </span></span><span style=\"display:inherit;clear:left;\">224 44<span class=\"_ _1\"></span>5<span class=\"_ _b9\"> </span>Sum Norge<span class=\"_ _20b\"> </span>255 966<span class=\"_ _9d\"> </span><span class=\"ls83 wsdd\">868<span class=\"_ _a1\"> </span><span class=\"ls14b ws1fb\">9<span class=\"_ _a\"></span>9<span class=\"_ _8\"></span>,7</span></span></span><span style=\"display:inherit;clear:left;\">0,4<span class=\"_ _2f\"> </span><span class=\"ls0 ws0\">6<span class=\"_ _75\"> </span><span class=\"ls136 ws1e3\">930<span class=\"_ _11a\"> </span></span>Utlandet<span class=\"_ _da\"> </span><span class=\"ls61 wsb5\">678<span class=\"_ _84\"> </span></span>10<span class=\"_ _117\"> </span></span>0,3</span><span style=\"display:inherit;clear:left;\">10<span class=\"_ _8\"></span>0,0<span class=\"_ _b6\"> </span></span><span style=\"display:inherit;clear:left;\">880<span class=\"_ _db\"> </span></span><span style=\"display:inherit;clear:left;\">225 3<span class=\"_ _1\"></span>7<span class=\"_ _0\"></span>4<span class=\"_ _11a\"> </span>Sum geogr<span class=\"_ _1\"></span>a<span class=\"_ _2\"></span>fiske omr<span class=\"_ _1\"></span>\u00e5der<span class=\"_ _2d\"> </span>256 644<span class=\"_ _15\"> </span><span class=\"ls12a ws1d4\">878<span class=\"_ _8d\"> </span><span class=\"ls84 wsdf\">10<span class=\"_ _8\"></span>0,0</span></span></span><span style=\"display:inherit;clear:left;\">MORBANK</span><span style=\"display:inherit;clear:left;\">31/12-<span class=\"_ _1\"></span>2022<span class=\"_ _206\"> </span>31/12-<span class=\"_ _1\"></span>2023</span><span style=\"display:inherit;clear:left;\">Andel</span><span style=\"display:inherit;clear:left;\">Nedskriv<span class=\"_ _1\"></span>ing </span><span style=\"display:inherit;clear:left;\">B<span class=\"_ _8\"></span>r<span class=\"_ _a\"></span>utt<span class=\"_ _8\"></span>o</span><span style=\"display:inherit;clear:left;\">Utl\u00e5n<span class=\"_ _1\"></span> forde<span class=\"_ _1\"></span>lt p\u00e5<span class=\"_ _1\"></span> geogr<span class=\"_ _1\"></span>afis<span class=\"_ _1\"></span>ke<span class=\"_ _1\"></span> <span class=\"ls0 ws0\"> </span></span><span style=\"display:inherit;clear:left;\">B<span class=\"_ _8\"></span>r<span class=\"_ _a\"></span>utt<span class=\"_ _8\"></span>o</span><span style=\"display:inherit;clear:left;\">Nedskriv<span class=\"_ _1\"></span>ing </span><span style=\"display:inherit;clear:left;\">Andel</span><span style=\"display:inherit;clear:left;\">n<span class=\"_ _8\"></span>e<span class=\"_ _8\"></span>tto<span class=\"_ _8\"></span> u<span class=\"_ _8\"></span>t<span class=\"_ _8\"></span>l<span class=\"_ _8\"></span>\u00e5<span class=\"_ _8\"></span>n</span><span style=\"display:inherit;clear:left;\">utl<span class=\"_ _8\"></span>\u00e5n</span><span style=\"display:inherit;clear:left;\">utl<span class=\"_ _8\"></span>\u00e5n</span><span style=\"display:inherit;clear:left;\">omr\u00e5de<span class=\"_ _1\"></span>r</span><span style=\"display:inherit;clear:left;\">utl<span class=\"_ _8\"></span>\u00e5n</span><span style=\"display:inherit;clear:left;\">utl<span class=\"_ _8\"></span>\u00e5n</span><span style=\"display:inherit;clear:left;\">n<span class=\"_ _8\"></span>e<span class=\"_ _8\"></span>tto<span class=\"_ _8\"></span> u<span class=\"_ _8\"></span>t<span class=\"_ _8\"></span>l<span class=\"_ _8\"></span>\u00e5<span class=\"_ _8\"></span>n</span><span style=\"display:inherit;clear:left;\">60,9<span class=\"_ _b6\"> </span></span><span style=\"display:inherit;clear:left;\">608<span class=\"_ _85\"> </span></span><span style=\"display:inherit;clear:left;\">59 8<span class=\"_ _2\"></span>77<span class=\"_ _11a\"> </span></span><span style=\"display:inherit;clear:left;\">V<span class=\"_ _1\"></span>estland<span class=\"_ _133\"> </span></span><span style=\"display:inherit;clear:left;\">66 548<span class=\"_ _9d\"> </span><span class=\"lsd wsd\">463<span class=\"_ _a2\"> </span><span class=\"ls14a ws1fa\">5<span class=\"_ _a\"></span>7,<span class=\"_ _38\"></span>9</span></span></span><span style=\"display:inherit;clear:left;\">24,<span class=\"_ _8\"></span>4<span class=\"_ _84\"> </span></span><span style=\"display:inherit;clear:left;\">16<span class=\"_ _8\"></span>0<span class=\"_ _83\"> </span></span><span style=\"display:inherit;clear:left;\">23<span class=\"_ _8\"></span> 927<span class=\"_ _b8\"> </span></span><span style=\"display:inherit;clear:left;\">Rogaland<span class=\"_ _20c\"> </span></span><span style=\"display:inherit;clear:left;\">27 83<span class=\"_ _8\"></span>4<span class=\"_ _25\"> </span><span class=\"ls10 ws10\">251<span class=\"_ _15\"> </span><span class=\"ls146 ws1f6\">2<span class=\"_ _8\"></span>4<span class=\"_ _8\"></span>,1</span></span></span><span style=\"display:inherit;clear:left;\">6,2<span class=\"_ _209\"> </span></span><span style=\"display:inherit;clear:left;\">28<span class=\"_ _74\"> </span></span><span style=\"display:inherit;clear:left;\">6<span class=\"_ _8\"></span> 07<span class=\"_ _8\"></span>3<span class=\"_ _b8\"> </span></span><span style=\"display:inherit;clear:left;\">M\u00f8re<span class=\"_ _1\"></span> og Romsdal<span class=\"_ _11e\"> </span></span><span style=\"display:inherit;clear:left;\">7 208<span class=\"_ _20d\"> </span><span class=\"ls84 wsdf\">24<span class=\"_ _125\"> </span><span class=\"ls125 ws1cf\">6,3</span></span></span><span style=\"display:inherit;clear:left;\">4,0<span class=\"_ _69\"> </span></span><span style=\"display:inherit;clear:left;\">14<span class=\"_ _ba\"> </span></span><span style=\"display:inherit;clear:left;\">3<span class=\"_ _8\"></span> 894<span class=\"_ _11a\"> </span></span><span style=\"display:inherit;clear:left;\">Oslo<span class=\"_ _128\"> </span></span><span style=\"display:inherit;clear:left;\">6<span class=\"_ _8\"></span> 276<span class=\"_ _84\"> </span><span class=\"ls0 ws0\">18<span class=\"_ _125\"> </span><span class=\"ls139 ws1e6\">5,5</span></span></span><span style=\"display:inherit;clear:left;\">1<span class=\"_ _8\"></span>,7<span class=\"_ _ca\"> </span><span class=\"ls0 ws0\">3<span class=\"_ _5d\"> </span>1 645<span class=\"_ _b9\"> </span><span class=\"lsf wsf\">V<span class=\"_ _8\"></span>iken<span class=\"_ _20a\"> </span><span class=\"ls138 ws1e5\">3<span class=\"_ _8\"></span> 352<span class=\"_ _43\"> </span></span></span>4<span class=\"_ _117\"> </span><span class=\"ls62 wsb6\">2,9</span></span></span><span style=\"display:inherit;clear:left;\">1,8<span class=\"_ _2f\"> </span><span class=\"ls0 ws0\">8<span class=\"_ _1b\"> </span><span class=\"ls140 ws1ee\">1<span class=\"_ _a\"></span> 74<span class=\"_ _38\"></span>0<span class=\"_ _bd\"> </span></span>Nor<span class=\"_ _1\"></span>ge f<span class=\"_ _1\"></span>or \u00f8<span class=\"_ _1\"></span>vrig<span class=\"_ _20\"> </span><span class=\"ls125 ws1cf\">3 203<span class=\"_ _88\"> </span></span>14<span class=\"_ _117\"> </span><span class=\"ls120 ws1cb\">2,8</span></span></span><span style=\"display:inherit;clear:left;\">9<span class=\"_ _a\"></span>9<span class=\"_ _8\"></span>,1<span class=\"_ _88\"> </span></span><span style=\"display:inherit;clear:left;\">82<span class=\"_ _8\"></span>2<span class=\"_ _6b\"> </span></span><span style=\"display:inherit;clear:left;\">97 155<span class=\"_ _b9\"> </span>Sum Norg<span class=\"_ _1\"></span>e<span class=\"_ _13a\"> </span>114 422<span class=\"_ _15\"> </span><span class=\"ls147 ws1f7\">7<span class=\"_ _a\"></span>74<span class=\"_ _a1\"> </span><span class=\"ls84 wsdf\">9<span class=\"_ _8\"></span>9,5</span></span></span><span style=\"display:inherit;clear:left;\">1,0<span class=\"_ _2f\"> </span><span class=\"ls0 ws0\">6<span class=\"_ _75\"> </span><span class=\"ls136 ws1e3\">930<span class=\"_ _b8\"> </span></span>Utlande<span class=\"_ _1\"></span>t<span class=\"_ _70\"> </span><span class=\"ls126 ws1d0\">584<span class=\"_ _88\"> </span></span>10<span class=\"_ _117\"> </span><span class=\"ls109 ws16b\">0,5</span></span></span><span style=\"display:inherit;clear:left;\">10<span class=\"_ _8\"></span>0,0<span class=\"_ _49\"> </span></span><span style=\"display:inherit;clear:left;\">828<span class=\"_ _89\"> </span></span><span style=\"display:inherit;clear:left;\">98 085<span class=\"_ _11a\"> </span></span><span style=\"display:inherit;clear:left;\">Sum geogr<span class=\"_ _1\"></span>a<span class=\"_ _2\"></span>fiske omr<span class=\"_ _1\"></span>\u00e5der<span class=\"_ _173\"> </span>115 006<span class=\"_ _20e\"> </span></span><span style=\"display:inherit;clear:left;\">78<span class=\"_ _8\"></span>4</span><span style=\"display:inherit;clear:left;\"><span class=\"_ _8d\"> </span><span class=\"ls84 wsdf\">10<span class=\"_ _8\"></span>0,0</span></span><span style=\"display:inherit;clear:left;\">No<span class=\"_ _1\"></span>te 1<span class=\"_ _1\"></span>0 Engasj<span class=\"_ _1\"></span>eme<span class=\"_ _1\"></span>nt f<span class=\"_ _c\"></span>ordel<span class=\"_ _1\"></span>t p\u00e5 n\u00e6<span class=\"_ _1\"></span>ri<span class=\"_ _8\"></span>nge<span class=\"_ _1\"></span>r og personmark<span class=\"_ _1\"></span>ed<span class=\"_ _1\"></span>et</span><span style=\"display:inherit;clear:left;\">Misligholdte </span><span style=\"display:inherit;clear:left;\">Ubenyt<span class=\"_ _1\"></span>tede </span><span style=\"display:inherit;clear:left;\">Sum <span class=\"_ _4\"></span> </span><span style=\"display:inherit;clear:left;\">og tapsutsa<span class=\"_ _1\"></span>tt<span class=\"_ _1\"></span>e </span><span style=\"display:inherit;clear:left;\">Nedskrivning </span><span style=\"display:inherit;clear:left;\">2023<span class=\"_ _20f\"> </span><span class=\"ls0 ws0\">Utl\u00e5n</span></span><span style=\"display:inherit;clear:left;\">kr<span class=\"_ _1\"></span>editt<span class=\"_ _1\"></span>er<span class=\"_ _b8\"> </span>Gar<span class=\"_ _1\"></span>an<span class=\"_ _1\"></span>tier</span><span style=\"display:inherit;clear:left;\">engasjement</span><span style=\"display:inherit;clear:left;\">utl\u00e5n</span><span style=\"display:inherit;clear:left;\">utl\u00e5n </span><span style=\"display:inherit;clear:left;\">KONSERN</span><span style=\"display:inherit;clear:left;\">Jord-, sk<span class=\"_ _1\"></span>ogbruk og fisk<span class=\"_ _1\"></span>eri<span class=\"_ _194\"> </span>11 4<span class=\"_ _1\"></span>99<span class=\"_ _85\"> </span></span><span style=\"display:inherit;clear:left;\">1<span class=\"_ _a\"></span> 47<span class=\"_ _8\"></span>2<span class=\"_ _5d\"> </span><span class=\"ls136 ws1e3\">403<span class=\"_ _98\"> </span></span></span><span style=\"display:inherit;clear:left;\">13 3<span class=\"_ _1\"></span>7<span class=\"_ _0\"></span>4</span><span style=\"display:inherit;clear:left;\"><span class=\"_ _84\"> </span><span class=\"ls13 ws13\">27<span class=\"_ _8\"></span>7<span class=\"_ _b6\"> </span><span class=\"ls82 ws14b\">98</span></span></span><span style=\"display:inherit;clear:left;\">Industri og ber<span class=\"_ _1\"></span>gv<span class=\"_ _1\"></span>erk<span class=\"_ _210\"> </span>3 696<span class=\"_ _1a\"> </span></span><span style=\"display:inherit;clear:left;\">91<span class=\"_ _8\"></span>2<span class=\"_ _94\"> </span><span class=\"ls133 ws1e0\">408<span class=\"_ _e9\"> </span></span></span><span style=\"display:inherit;clear:left;\">5 015</span><span style=\"display:inherit;clear:left;\"><span class=\"_ _c8\"> </span><span class=\"ls120 ws1cb\">34<span class=\"_ _b6\"> </span><span class=\"ls9 ws9\">33</span></span></span><span style=\"display:inherit;clear:left;\">Kra<span class=\"_ _2\"></span>ft og vann<span class=\"_ _1\"></span>for<span class=\"_ _1\"></span>syning<span class=\"_ _123\"> </span>2 63<span class=\"_ _1\"></span>7<span class=\"_ _93\"> </span><span class=\"ls6b wsc3\">267<span class=\"_ _8b\"> </span></span>10<span class=\"_ _91\"> </span>2 914<span class=\"_ _114\"> </span>0<span class=\"_ _b1\"> </span>11</span><span style=\"display:inherit;clear:left;\">By</span><span style=\"display:inherit;clear:left;\">gg<span class=\"_ _2\"></span><span class=\"ls0 ws0\">e- og anle<span class=\"ls14d ws1fd\">gg</span>svirk<span class=\"_ _1\"></span>somhet<span class=\"_ _202\"> </span><span class=\"ls138 ws1e5\">7 3<span class=\"_ _8\"></span>69<span class=\"_ _85\"> </span><span class=\"ls4a ws9d\">1<span class=\"_ _8\"></span> 70<span class=\"_ _8\"></span>9<span class=\"_ _5d\"> </span><span class=\"ls13d ws1eb\">492<span class=\"_ _3e\"> </span></span></span>9 5<span class=\"_ _8\"></span>69<span class=\"_ _110\"> </span></span>219<span class=\"_ _20e\"> </span><span class=\"ls125 ws1cf\">203</span></span></span><span style=\"display:inherit;clear:left;\">V<span class=\"_ _2\"></span>arehandel<span class=\"_ _211\"> </span>3 130<span class=\"_ _87\"> </span>1 062<span class=\"_ _14\"> </span><span class=\"ls137 ws1e4\">1<span class=\"_ _8\"></span>72<span class=\"_ _8d\"> </span></span>4 365<span class=\"_ _10d\"> </span><span class=\"ls125 ws1cf\">20<span class=\"_ _49\"> </span><span class=\"ls13 ws13\">27</span></span></span><span style=\"display:inherit;clear:left;\">Utenriks sj\u00f8<span class=\"_ _1\"></span>f<span class=\"_ _1\"></span>art og tr<span class=\"_ _1\"></span>ansport<span class=\"_ _11c\"> </span>8 4<span class=\"_ _1\"></span>18<span class=\"_ _18\"> </span></span><span style=\"display:inherit;clear:left;\">51<span class=\"_ _8\"></span>1<span class=\"_ _6b\"> </span><span class=\"ls61 wsb5\">1<span class=\"_ _8\"></span> 0<span class=\"_ _8\"></span>37<span class=\"_ _8d\"> </span></span></span><span style=\"display:inherit;clear:left;\">9 965<span class=\"_ _69\"> </span>10<span class=\"_ _63\"> </span>64</span><span style=\"display:inherit;clear:left;\">Hot<span class=\"_ _1\"></span>ell og r<span class=\"_ _1\"></span>estaur<span class=\"_ _1\"></span>an<span class=\"_ _1\"></span>t<span class=\"_ _20c\"> </span></span><span style=\"display:inherit;clear:left;\">682<span class=\"_ _75\"> </span><span class=\"ls31 ws81\">75<span class=\"_ _a2\"> </span></span></span><span style=\"display:inherit;clear:left;\">8<span class=\"_ _15\"> </span><span class=\"ls4a ws9d\">76<span class=\"_ _8\"></span>5<span class=\"_ _146\"> </span></span>1<span class=\"_ _88\"> </span>14</span><span style=\"display:inherit;clear:left;\">Eiendomsdrift<span class=\"_ _105\"> </span>18 7<span class=\"_ _2\"></span>40<span class=\"_ _85\"> </span></span><span style=\"display:inherit;clear:left;\">1 6<span class=\"_ _8\"></span>29<span class=\"_ _12\"> </span></span><span style=\"display:inherit;clear:left;\">125<span class=\"_ _94\"> </span></span><span style=\"display:inherit;clear:left;\">20 49<span class=\"_ _8\"></span>4<span class=\"_ _116\"> </span><span class=\"ls136 ws1e3\">439<span class=\"_ _e7\"> </span><span class=\"ls82 ws14b\">198</span></span></span><span style=\"display:inherit;clear:left;\">Tjenest<span class=\"_ _1\"></span>e<span class=\"_ _1\"></span>ytende virksomhe<span class=\"_ _1\"></span>t<span class=\"_ _11b\"> </span></span><span style=\"display:inherit;clear:left;\">4 256<span class=\"_ _1b\"> </span></span><span style=\"display:inherit;clear:left;\">79<span class=\"_ _8\"></span>9<span class=\"_ _93\"> </span></span><span style=\"display:inherit;clear:left;\">3<span class=\"_ _8\"></span>32<span class=\"_ _75\"> </span></span><span style=\"display:inherit;clear:left;\">5<span class=\"_ _8\"></span> 3<span class=\"_ _8\"></span>87<span class=\"_ _84\"> </span><span class=\"ls133 ws1e0\">1<span class=\"_ _8\"></span>40<span class=\"_ _b6\"> </span><span class=\"ls13e ws1ec\">47</span></span></span><span style=\"display:inherit;clear:left;\">Off<span class=\"_ _1\"></span>entlig f<span class=\"_ _1\"></span>orv<span class=\"_ _1\"></span>altning<span class=\"_ _1cf\"> </span>63<span class=\"_ _4a\"> </span>0<span class=\"_ _a1\"> </span>0<span class=\"_ _48\"> </span>63<span class=\"_ _212\"> </span>0<span class=\"_ _43\"> </span>0</span><span style=\"display:inherit;clear:left;\">Andre finansielle f<span class=\"_ _1\"></span>or<span class=\"_ _1\"></span>e<span class=\"_ _1\"></span>tak<span class=\"_ _127\"> </span>444<span class=\"_ _8b\"> </span>16<span class=\"_ _97\"> </span>1<span class=\"_ _df\"> </span><span class=\"ls133 ws1e0\">461<span class=\"_ _212\"> </span></span>0<span class=\"_ _a0\"> </span>16</span><span style=\"display:inherit;clear:left;\">Sum n\u00e6ringsliv<span class=\"_ _149\"> </span></span><span style=\"display:inherit;clear:left;\">60 933<span class=\"_ _89\"> </span></span><span style=\"display:inherit;clear:left;\">8 4<span class=\"_ _8\"></span>52<span class=\"_ _8a\"> </span></span><span style=\"display:inherit;clear:left;\">2<span class=\"_ _8\"></span> 9<span class=\"_ _8\"></span>87<span class=\"_ _14\"> </span><span class=\"ls137 ws1e4\">72 372<span class=\"_ _117\"> </span></span></span><span style=\"display:inherit;clear:left;\">1 139<span class=\"_ _25\"> </span>710</span><span style=\"display:inherit;clear:left;\">Per<span class=\"_ _1\"></span>sonkunder<span class=\"_ _f8\"> </span>195 711<span class=\"_ _db\"> </span>14 963<span class=\"_ _a1\"> </span>9<span class=\"_ _8e\"> </span>210 683<span class=\"_ _49\"> </span><span class=\"ls125 ws1cf\">32<span class=\"_ _8\"></span>2<span class=\"_ _e7\"> </span><span class=\"ls6b wsc3\">1<span class=\"_ _8\"></span>67</span></span></span><span style=\"display:inherit;clear:left;\">Sum brutto eng<span class=\"_ _1\"></span>asjement<span class=\"_ _1e5\"> </span>256 644<span class=\"_ _c7\"> </span>23 4<span class=\"_ _2\"></span>15<span class=\"_ _90\"> </span>2 996<span class=\"_ _8a\"> </span></span><span style=\"display:inherit;clear:left;\">28<span class=\"_ _8\"></span>3 05<span class=\"_ _8\"></span>5<span class=\"_ _20e\"> </span><span class=\"ls12c ws1d6\">1 462<span class=\"_ _9c\"> </span><span class=\"ls12a ws1d4\">8<span class=\"_ _8\"></span>78</span></span></span><span style=\"display:inherit;clear:left;\"> - Modellberegne<span class=\"_ _1\"></span>t nedskriving BM (s<span class=\"_ _1\"></span>teg 1-<span class=\"_ _1\"></span>3)<span class=\"_ _116\"> </span><span class=\"ls139 ws1e6\">51<span class=\"_ _8\"></span>2<span class=\"_ _16\"> </span></span>84<span class=\"_ _9a\"> </span><span class=\"ls139 ws1e6\">51<span class=\"_ _15\"> </span><span class=\"ls13e ws1ec\">6<span class=\"_ _a\"></span>47</span></span></span><span style=\"display:inherit;clear:left;\"> - Modellberegne<span class=\"_ _1\"></span>t nedskriving PM (s<span class=\"_ _1\"></span>teg 1-<span class=\"_ _1\"></span>3)<span class=\"_ _6a\"> </span><span class=\"ls10 ws10\">161<span class=\"_ _8b\"> </span></span>13<span class=\"_ _a1\"> </span>0<span class=\"_ _e7\"> </span><span class=\"ls140 ws1ee\">1<span class=\"_ _38\"></span>74</span></span><span style=\"display:inherit;clear:left;\"> - Nedskriving st<span class=\"_ _1\"></span>eg 3 individuelt vur<span class=\"_ _1\"></span>dert BM<span class=\"_ _63\"> </span><span class=\"ls82 ws14b\">1<span class=\"_ _8\"></span>99<span class=\"_ _4a\"> </span></span>0<span class=\"_ _4a\"> </span>0<span class=\"_ _25\"> </span><span class=\"ls82 ws14b\">1<span class=\"_ _8\"></span>99</span></span><span style=\"display:inherit;clear:left;\"> - Nedskriving st<span class=\"_ _1\"></span>eg 3 individuelt vur<span class=\"_ _1\"></span>dert PM<span class=\"_ _112\"> </span>7<span class=\"_ _a1\"> </span>0<span class=\"_ _4a\"> </span>0<span class=\"_ _10d\"> </span>7</span><span style=\"display:inherit;clear:left;\">Sum net<span class=\"_ _1\"></span>to engasjemen<span class=\"_ _1\"></span>t<span class=\"_ _16c\"> </span><span class=\"ls4a ws9d\">2<span class=\"_ _8\"></span>5<span class=\"_ _8\"></span>5<span class=\"_ _8\"></span> 767<span class=\"_ _dc\"> </span></span>23 317<span class=\"_ _b7\"> </span><span class=\"ls13b ws1e8\">2 945<span class=\"_ _87\"> </span><span class=\"ls15 ws15\">282<span class=\"_ _8\"></span> 029</span></span></span><span style=\"display:inherit;clear:left;\">MORBANK</span><span style=\"display:inherit;clear:left;\">Jord-, sk<span class=\"_ _1\"></span>ogbruk og fisk<span class=\"_ _1\"></span>eri<span class=\"_ _213\"> </span>11 090<span class=\"_ _87\"> </span></span><span style=\"display:inherit;clear:left;\">1 433<span class=\"_ _74\"> </span><span class=\"ls136 ws1e3\">403<span class=\"_ _12\"> </span></span></span><span style=\"display:inherit;clear:left;\">12 92<span class=\"_ _1\"></span>6</span><span style=\"display:inherit;clear:left;\"><span class=\"_ _a0\"> </span><span class=\"ls13 ws13\">27<span class=\"_ _8\"></span>7<span class=\"_ _49\"> </span><span class=\"ls6 ws6\">97</span></span></span><span style=\"display:inherit;clear:left;\">Industri og ber<span class=\"_ _1\"></span>gv<span class=\"_ _1\"></span>erk<span class=\"_ _17c\"> </span>3 621<span class=\"_ _93\"> </span></span><span style=\"display:inherit;clear:left;\">9<span class=\"_ _8\"></span>07<span class=\"_ _74\"> </span></span><span style=\"display:inherit;clear:left;\">408<span class=\"_ _16\"> </span></span><span style=\"display:inherit;clear:left;\">4 93<span class=\"_ _8\"></span>5<span class=\"_ _10d\"> </span><span class=\"ls120 ws1cb\">34<span class=\"_ _b6\"> </span><span class=\"ls9 ws9\">33</span></span></span><span style=\"display:inherit;clear:left;\">Kra<span class=\"_ _2\"></span>ft og vann<span class=\"_ _1\"></span>for<span class=\"_ _1\"></span>syning<span class=\"_ _214\"> </span></span><span style=\"display:inherit;clear:left;\">2 6<span class=\"_ _8\"></span>28<span class=\"_ _1b\"> </span><span class=\"ls6b wsc3\">2<span class=\"_ _8\"></span>67<span class=\"_ _e9\"> </span></span></span><span style=\"display:inherit;clear:left;\">10<span class=\"_ _78\"> </span>2 904<span class=\"_ _114\"> </span>0<span class=\"_ _121\"> </span>11</span><span style=\"display:inherit;clear:left;\">By</span><span style=\"display:inherit;clear:left;\">gg<span class=\"_ _2\"></span><span class=\"ls0 ws0\">e- og anle<span class=\"ls14d ws1fd\">gg</span>svirk<span class=\"_ _1\"></span>somhet<span class=\"_ _a4\"> </span>7 017<span class=\"_ _87\"> </span>1 690<span class=\"_ _74\"> </span><span class=\"ls13d ws1eb\">492<span class=\"_ _8b\"> </span></span>9 198<span class=\"_ _43\"> </span>211<span class=\"_ _20e\"> </span><span class=\"ls125 ws1cf\">202</span></span></span><span style=\"display:inherit;clear:left;\">V<span class=\"_ _2\"></span>arehandel<span class=\"_ _211\"> </span></span><span style=\"display:inherit;clear:left;\">2<span class=\"_ _8\"></span> 991<span class=\"_ _83\"> </span></span><span style=\"display:inherit;clear:left;\">1 056<span class=\"_ _98\"> </span><span class=\"ls137 ws1e4\">1<span class=\"_ _8\"></span>72<span class=\"_ _16\"> </span></span></span><span style=\"display:inherit;clear:left;\">4 220</span><span style=\"display:inherit;clear:left;\"><span class=\"_ _10d\"> </span><span class=\"ls125 ws1cf\">20<span class=\"_ _49\"> </span><span class=\"ls13 ws13\">27</span></span></span><span style=\"display:inherit;clear:left;\">Utenriks sj\u00f8<span class=\"_ _1\"></span>f<span class=\"_ _1\"></span>art og tr<span class=\"_ _1\"></span>ansport<span class=\"_ _215\"> </span>8 119<span class=\"_ _94\"> </span></span><span style=\"display:inherit;clear:left;\">49<span class=\"_ _8\"></span>0<span class=\"_ _6b\"> </span><span class=\"ls61 wsb5\">1<span class=\"_ _8\"></span> 037<span class=\"_ _8d\"> </span></span></span><span style=\"display:inherit;clear:left;\">9 646<span class=\"_ _69\"> </span>10<span class=\"_ _63\"> </span>64</span><span style=\"display:inherit;clear:left;\">Hot<span class=\"_ _1\"></span>ell og r<span class=\"_ _1\"></span>estaur<span class=\"_ _1\"></span>an<span class=\"_ _1\"></span>t<span class=\"_ _ae\"> </span></span><span style=\"display:inherit;clear:left;\">634<span class=\"_ _75\"> </span><span class=\"ls31 ws81\">75<span class=\"_ _68\"> </span></span></span><span style=\"display:inherit;clear:left;\">8<span class=\"_ _e7\"> </span>716<span class=\"_ _216\"> </span>1<span class=\"_ _84\"> </span>13</span><span style=\"display:inherit;clear:left;\">Eiendomsdrift<span class=\"_ _f5\"> </span>18 7<span class=\"_ _1\"></span>08<span class=\"_ _83\"> </span>1 638<span class=\"_ _12\"> </span><span class=\"ls83 wsdd\">125<span class=\"_ _12\"> </span></span>20 4<span class=\"_ _2\"></span>71<span class=\"_ _10c\"> </span><span class=\"ls133 ws1e0\">4<span class=\"_ _8\"></span>40<span class=\"_ _25\"> </span><span class=\"ls82 ws14b\">198</span></span></span><span style=\"display:inherit;clear:left;\">Tjenest<span class=\"_ _1\"></span>e<span class=\"_ _1\"></span>ytende virksomhe<span class=\"_ _1\"></span>t<span class=\"_ _b5\"> </span></span><span style=\"display:inherit;clear:left;\">3<span class=\"_ _8\"></span> 552<span class=\"_ _1b\"> </span></span><span style=\"display:inherit;clear:left;\">75<span class=\"_ _8\"></span>5<span class=\"_ _72\"> </span></span><span style=\"display:inherit;clear:left;\">379<span class=\"_ _3e\"> </span></span><span style=\"display:inherit;clear:left;\">4<span class=\"_ _8\"></span> 6<span class=\"_ _8\"></span>87<span class=\"_ _6a\"> </span><span class=\"ls133 ws1e0\">140<span class=\"_ _63\"> </span>46</span></span><span style=\"display:inherit;clear:left;\">Off<span class=\"_ _1\"></span>entlig f<span class=\"_ _1\"></span>orv<span class=\"_ _1\"></span>altning<span class=\"_ _1cf\"> </span>63<span class=\"_ _4a\"> </span>0<span class=\"_ _a1\"> </span>0<span class=\"_ _48\"> </span>63<span class=\"_ _212\"> </span>0<span class=\"_ _43\"> </span>0</span><span style=\"display:inherit;clear:left;\">Andre finansielle f<span class=\"_ _1\"></span>or<span class=\"_ _1\"></span>e<span class=\"_ _1\"></span>tak<span class=\"_ _127\"> </span>444<span class=\"_ _8b\"> </span>16<span class=\"_ _97\"> </span>1<span class=\"_ _df\"> </span><span class=\"ls133 ws1e0\">461<span class=\"_ _212\"> </span></span>0<span class=\"_ _a0\"> </span>16</span><span style=\"display:inherit;clear:left;\">Sum n\u00e6ringsliv<span class=\"_ _13e\"> </span></span><span style=\"display:inherit;clear:left;\">5<span class=\"_ _8\"></span>8 8<span class=\"_ _8\"></span>67<span class=\"_ _87\"> </span></span><span style=\"display:inherit;clear:left;\">8<span class=\"_ _8\"></span> 327<span class=\"_ _dd\"> </span><span class=\"ls136 ws1e3\">3 03<span class=\"_ _8\"></span>4<span class=\"_ _5d\"> </span></span></span><span style=\"display:inherit;clear:left;\">70 22<span class=\"_ _1\"></span>9<span class=\"_ _99\"> </span>1 132<span class=\"_ _118\"> </span><span class=\"ls6 ws6\">707</span></span><span style=\"display:inherit;clear:left;\">Per<span class=\"_ _1\"></span>sonkunder<span class=\"_ _217\"> </span>56 139<span class=\"_ _85\"> </span><span class=\"ls126 ws1d0\">6 231<span class=\"_ _68\"> </span></span>9<span class=\"_ _1b\"> </span></span><span style=\"display:inherit;clear:left;\">6<span class=\"_ _8\"></span>2<span class=\"_ _8\"></span> 379<span class=\"_ _88\"> </span><span class=\"ls125 ws1cf\">202<span class=\"_ _49\"> </span></span></span><span style=\"display:inherit;clear:left;\">77</span><span style=\"display:inherit;clear:left;\">Sum brutto eng<span class=\"_ _1\"></span>asjement<span class=\"_ _4b\"> </span>115 006<span class=\"_ _d8\"> </span>14 559<span class=\"_ _cb\"> </span>3 043<span class=\"_ _85\"> </span>132 608<span class=\"_ _9d\"> </span><span class=\"ls62 wsb6\">1 334<span class=\"_ _9d\"> </span><span class=\"ls12a ws1d4\">78<span class=\"_ _a\"></span>4</span></span></span><span style=\"display:inherit;clear:left;\"> - Modellberegne<span class=\"_ _1\"></span>t nedskriving BM (s<span class=\"_ _1\"></span>teg 1-<span class=\"_ _1\"></span>3)<span class=\"_ _125\"> </span><span class=\"ls82 ws14b\">509<span class=\"_ _8d\"> </span></span>84<span class=\"_ _8b\"> </span><span class=\"ls139 ws1e6\">51<span class=\"_ _20e\"> </span><span class=\"ls122 ws1cc\">643</span></span></span><span style=\"display:inherit;clear:left;\"> - Modellberegne<span class=\"_ _1\"></span>t nedskriving PM (s<span class=\"_ _1\"></span>teg 1-<span class=\"_ _1\"></span>3)<span class=\"_ _169\"> </span><span class=\"ls4a ws9d\">70<span class=\"_ _3d\"> </span></span>11<span class=\"_ _4a\"> </span>0<span class=\"_ _a0\"> </span><span class=\"ls82 ws14b\">81</span></span><span style=\"display:inherit;clear:left;\"> - Nedskriving st<span class=\"_ _1\"></span>eg 3 individuelt vur<span class=\"_ _1\"></span>dert BM<span class=\"_ _63\"> </span><span class=\"ls82 ws14b\">1<span class=\"_ _8\"></span>99<span class=\"_ _4a\"> </span></span>0<span class=\"_ _4a\"> </span>0<span class=\"_ _25\"> </span><span class=\"ls82 ws14b\">1<span class=\"_ _8\"></span>99</span></span><span style=\"display:inherit;clear:left;\"> - Nedskriving st<span class=\"_ _1\"></span>eg 3 individuelt vur<span class=\"_ _1\"></span>dert PM<span class=\"_ _112\"> </span>7<span class=\"_ _a1\"> </span>0<span class=\"_ _4a\"> </span>0<span class=\"_ _10d\"> </span>7</span><span style=\"display:inherit;clear:left;\">Sum net<span class=\"_ _1\"></span>to engasjemen<span class=\"_ _1\"></span>t<span class=\"_ _218\"> </span>114 222<span class=\"_ _9f\"> </span>14 463<span class=\"_ _90\"> </span><span class=\"ls12c ws1d6\">2<span class=\"_ _8\"></span> 992<span class=\"_ _108\"> </span></span>131 677</span><span style=\"display:inherit;clear:left;\">Misligholdte </span><span style=\"display:inherit;clear:left;\">Ubenyt<span class=\"_ _1\"></span>tede </span><span style=\"display:inherit;clear:left;\">Sum <span class=\"_ _4\"></span> </span><span style=\"display:inherit;clear:left;\">og tapsutsa<span class=\"_ _1\"></span>tt<span class=\"_ _1\"></span>e </span><span style=\"display:inherit;clear:left;\">Ned skrivning </span><span style=\"display:inherit;clear:left;\">2022<span class=\"_ _20f\"> </span><span class=\"ls0 ws0\">Utl\u00e5n</span></span><span style=\"display:inherit;clear:left;\">kr<span class=\"_ _1\"></span>editt<span class=\"_ _1\"></span>er<span class=\"_ _b8\"> </span>Gar<span class=\"_ _1\"></span>an<span class=\"_ _1\"></span>tier</span><span style=\"display:inherit;clear:left;\">engasjement</span><span style=\"display:inherit;clear:left;\">utl\u00e5n</span><span style=\"display:inherit;clear:left;\">utl\u00e5n</span><span style=\"display:inherit;clear:left;\">KONSERN</span><span style=\"display:inherit;clear:left;\">Jord-, sk<span class=\"_ _1\"></span>ogbruk og fisk<span class=\"_ _1\"></span>eri<span class=\"_ _23\"> </span>9 88<span class=\"_ _1\"></span>2<span class=\"_ _72\"> </span></span><span style=\"display:inherit;clear:left;\">91<span class=\"_ _8\"></span>0<span class=\"_ _93\"> </span><span class=\"ls139 ws1e6\">383<span class=\"_ _75\"> </span></span></span><span style=\"display:inherit;clear:left;\">11 176<span class=\"_ _43\"> </span>48<span class=\"_ _b6\"> </span><span class=\"ls21 ws175\">85</span></span><span style=\"display:inherit;clear:left;\">Industri og ber<span class=\"_ _1\"></span>gv<span class=\"_ _1\"></span>erk<span class=\"_ _170\"> </span></span><span style=\"display:inherit;clear:left;\">4 056<span class=\"_ _5d\"> </span>956<span class=\"_ _14\"> </span><span class=\"ls6b wsc3\">167<span class=\"_ _92\"> </span></span></span><span style=\"display:inherit;clear:left;\">5 17<span class=\"_ _1\"></span>8</span><span style=\"display:inherit;clear:left;\"><span class=\"_ _b6\"> </span><span class=\"ls4a ws9d\">24<span class=\"_ _8\"></span>8<span class=\"_ _13\"> </span><span class=\"ls131 ws1dd\">1<span class=\"_ _a\"></span>41</span></span></span><span style=\"display:inherit;clear:left;\">Kra<span class=\"_ _2\"></span>ft og vann<span class=\"_ _1\"></span>for<span class=\"_ _1\"></span>syning<span class=\"_ _60\"> </span>2 487<span class=\"_ _1a\"> </span><span class=\"ls13b ws1e8\">1<span class=\"_ _8\"></span>68<span class=\"_ _9a\"> </span></span>13<span class=\"_ _8d\"> </span><span class=\"ls13b ws1e8\">2 668<span class=\"_ _212\"> </span></span>0<span class=\"_ _84\"> </span>12</span><span style=\"display:inherit;clear:left;\">By</span><span style=\"display:inherit;clear:left;\">gg<span class=\"_ _2\"></span><span class=\"ls0 ws0\">e- og anle<span class=\"ls14d ws1fd\">gg</span>svirk<span class=\"_ _1\"></span>somhet<span class=\"_ _219\"> </span>6 714<span class=\"_ _8a\"> </span><span class=\"ls132 ws1de\">2<span class=\"_ _8\"></span> 6<span class=\"_ _8\"></span>87<span class=\"_ _5d\"> </span><span class=\"ls31 ws81\">594<span class=\"_ _8d\"> </span></span></span>9 996<span class=\"_ _10d\"> </span><span class=\"ls82 ws14b\">80<span class=\"_ _63\"> </span></span>84</span></span><span style=\"display:inherit;clear:left;\">V<span class=\"_ _2\"></span>arehandel<span class=\"_ _aa\"> </span></span><span style=\"display:inherit;clear:left;\">2 757<span class=\"_ _6b\"> </span></span><span style=\"display:inherit;clear:left;\">1 369<span class=\"_ _78\"> </span></span><span style=\"display:inherit;clear:left;\">151<span class=\"_ _3e\"> </span></span><span style=\"display:inherit;clear:left;\">4<span class=\"_ _8\"></span> 276<span class=\"_ _67\"> </span><span class=\"ls21 ws175\">23<span class=\"_ _b6\"> </span><span class=\"lsa wsa\">53</span></span></span><span style=\"display:inherit;clear:left;\">Utenriks sj\u00f8<span class=\"_ _1\"></span>f<span class=\"_ _1\"></span>art og tr<span class=\"_ _1\"></span>ansport<span class=\"_ _219\"> </span>8 384<span class=\"_ _1b\"> </span></span><span style=\"display:inherit;clear:left;\">401<span class=\"_ _6b\"> </span><span class=\"ls13e ws1ec\">1<span class=\"_ _a\"></span> 476<span class=\"_ _17\"> </span></span></span><span style=\"display:inherit;clear:left;\">10 261</span><span style=\"display:inherit;clear:left;\"><span class=\"_ _6a\"> </span><span class=\"ls126 ws1d0\">158<span class=\"_ _e7\"> </span><span class=\"ls83 wsdd\">125</span></span></span><span style=\"display:inherit;clear:left;\">Hot<span class=\"_ _1\"></span>ell og r<span class=\"_ _1\"></span>estaur<span class=\"_ _1\"></span>an<span class=\"_ _1\"></span>t<span class=\"_ _208\"> </span></span><span style=\"display:inherit;clear:left;\">655<span class=\"_ _21a\"> </span><span class=\"ls82 ws14b\">56<span class=\"_ _68\"> </span></span></span><span style=\"display:inherit;clear:left;\">8<span class=\"_ _e7\"> </span>719<span class=\"_ _216\"> </span>1<span class=\"_ _10c\"> </span><span class=\"ls133 ws1e0\">40</span></span><span style=\"display:inherit;clear:left;\">Eiendomsdrift<span class=\"_ _102\"> </span>16 54<span class=\"_ _2\"></span>9<span class=\"_ _1a\"> </span></span><span style=\"display:inherit;clear:left;\">81<span class=\"_ _8\"></span>0<span class=\"_ _8b\"> </span><span class=\"ls10 ws10\">61<span class=\"_ _18\"> </span></span></span><span style=\"display:inherit;clear:left;\">17 421</span><span style=\"display:inherit;clear:left;\"><span class=\"_ _116\"> </span><span class=\"ls125 ws1cf\">29<span class=\"_ _8\"></span>6<span class=\"_ _e7\"> </span><span class=\"ls126 ws1d0\">158</span></span></span><span style=\"display:inherit;clear:left;\">Tjenest<span class=\"_ _1\"></span>e<span class=\"_ _1\"></span>ytende virksomhe<span class=\"_ _1\"></span>t<span class=\"_ _21b\"> </span></span><span style=\"display:inherit;clear:left;\">3 3<span class=\"_ _8\"></span>69<span class=\"_ _1b\"> </span></span><span style=\"display:inherit;clear:left;\">72<span class=\"_ _8\"></span>5<span class=\"_ _14\"> </span></span><span style=\"display:inherit;clear:left;\">153<span class=\"_ _17\"> </span><span class=\"ls4a ws9d\">4<span class=\"_ _8\"></span> 24<span class=\"_ _8\"></span>6<span class=\"_ _110\"> </span>124<span class=\"_ _6a\"> </span><span class=\"ls139 ws1e6\">51</span></span></span><span style=\"display:inherit;clear:left;\">Off<span class=\"_ _1\"></span>entlig f<span class=\"_ _1\"></span>orv<span class=\"_ _1\"></span>altning<span class=\"_ _1cf\"> </span></span><span style=\"display:inherit;clear:left;\">66<span class=\"_ _8d\"> </span><span class=\"ls133 ws1e0\">46<span class=\"_ _a1\"> </span></span></span><span style=\"display:inherit;clear:left;\">6<span class=\"_ _13\"> </span>117<span class=\"_ _114\"> </span>0<span class=\"_ _43\"> </span>0</span><span style=\"display:inherit;clear:left;\">Andre finansielle f<span class=\"_ _1\"></span>or<span class=\"_ _1\"></span>e<span class=\"_ _1\"></span>tak<span class=\"_ _60\"> </span></span><span style=\"display:inherit;clear:left;\">445<span class=\"_ _21a\"> </span></span><span style=\"display:inherit;clear:left;\">95<span class=\"_ _75\"> </span></span><span style=\"display:inherit;clear:left;\">52<span class=\"_ _e7\"> </span><span class=\"ls31 ws81\">591<span class=\"_ _212\"> </span></span></span><span style=\"display:inherit;clear:left;\">0<span class=\"_ _84\"> </span>17</span><span style=\"display:inherit;clear:left;\">Sum n\u00e6ringsliv<span class=\"_ _18e\"> </span>55 364<span class=\"_ _83\"> </span>8 221<span class=\"_ _90\"> </span>3 064<span class=\"_ _94\"> </span>66 650<span class=\"_ _a0\"> </span><span class=\"ls6 ws6\">978<span class=\"_ _118\"> </span><span class=\"ls4a ws9d\">76<span class=\"_ _8\"></span>5</span></span></span><span style=\"display:inherit;clear:left;\">Per<span class=\"_ _1\"></span>sonkunder<span class=\"_ _21c\"> </span>17<span class=\"_ _1\"></span>0 010<span class=\"_ _d8\"> </span>14 452<span class=\"_ _66\"> </span>11<span class=\"_ _189\"> </span>184 4<span class=\"_ _2\"></span>73<span class=\"_ _a0\"> </span><span class=\"ls137 ws1e4\">272<span class=\"_ _10c\"> </span></span>115</span><span style=\"display:inherit;clear:left;\">Sum brutto eng<span class=\"_ _1\"></span>asjement<span class=\"_ _21d\"> </span>225 3<span class=\"_ _1\"></span>7<span class=\"_ _0\"></span>4<span class=\"_ _a8\"> </span>22 67<span class=\"_ _2\"></span>4<span class=\"_ _89\"> </span></span><span style=\"display:inherit;clear:left;\">3<span class=\"_ _8\"></span> 075<span class=\"_ _6f\"> </span><span class=\"ls133 ws1e0\">251<span class=\"_ _8\"></span> 123<span class=\"_ _20e\"> </span>1<span class=\"_ _8\"></span> 250<span class=\"_ _9d\"> </span><span class=\"ls82 ws14b\">880</span></span></span><span style=\"display:inherit;clear:left;\"> - Modellberegne<span class=\"_ _1\"></span>t nedskriving BM (s<span class=\"_ _1\"></span>teg 1-<span class=\"_ _1\"></span>3)<span class=\"_ _10c\"> </span></span><span style=\"display:inherit;clear:left;\">538<span class=\"_ _8d\"> </span><span class=\"ls8 ws8\">42<span class=\"_ _8d\"> </span></span></span><span style=\"display:inherit;clear:left;\">48<span class=\"_ _15\"> </span><span class=\"ls109 ws16b\">628</span></span><span style=\"display:inherit;clear:left;\"> - Modellberegne<span class=\"_ _1\"></span>t nedskriving PM (s<span class=\"_ _1\"></span>teg 1-<span class=\"_ _1\"></span>3)<span class=\"_ _48\"> </span>106<span class=\"_ _68\"> </span>5<span class=\"_ _4a\"> </span>0<span class=\"_ _b6\"> </span>111</span><span style=\"display:inherit;clear:left;\"> - Nedskriving st<span class=\"_ _1\"></span>eg 3 individuelt vur<span class=\"_ _1\"></span>dert BM<span class=\"_ _13\"> </span><span class=\"ls13 ws13\">227<span class=\"_ _a1\"> </span></span>0<span class=\"_ _a1\"> </span>0<span class=\"_ _9c\"> </span><span class=\"ls13 ws13\">2<span class=\"_ _8\"></span>27</span></span><span style=\"display:inherit;clear:left;\"> - Nedskriving st<span class=\"_ _1\"></span>eg 3 individuelt vur<span class=\"_ _1\"></span>dert PM<span class=\"_ _169\"> </span>10<span class=\"_ _4a\"> </span>0<span class=\"_ _a1\"> </span>0<span class=\"_ _88\"> </span>10</span><span style=\"display:inherit;clear:left;\">Sum net<span class=\"_ _1\"></span>to engasjemen<span class=\"_ _1\"></span>t<span class=\"_ _18a\"> </span>224 4<span class=\"_ _1\"></span>94<span class=\"_ _a8\"> </span>22 62<span class=\"_ _1\"></span>7<span class=\"_ _90\"> </span><span class=\"lsf6 ws158\">3 026<span class=\"_ _83\"> </span></span>250 148</span><span style=\"display:inherit;clear:left;\">MORBANK</span><span style=\"display:inherit;clear:left;\">Jord-, sk<span class=\"_ _1\"></span>ogbruk og fisk<span class=\"_ _1\"></span>eri<span class=\"_ _23\"> </span></span><span style=\"display:inherit;clear:left;\">9 393<span class=\"_ _1b\"> </span></span><span style=\"display:inherit;clear:left;\">87<span class=\"_ _8\"></span>0<span class=\"_ _93\"> </span><span class=\"ls139 ws1e6\">38<span class=\"_ _8\"></span>3<span class=\"_ _93\"> </span></span></span><span style=\"display:inherit;clear:left;\">10 646<span class=\"_ _21e\"> </span>44<span class=\"_ _63\"> </span>84</span><span style=\"display:inherit;clear:left;\">Industri og ber<span class=\"_ _1\"></span>gv<span class=\"_ _1\"></span>erk<span class=\"_ _21f\"> </span>3 990<span class=\"_ _74\"> </span></span><span style=\"display:inherit;clear:left;\">950<span class=\"_ _14\"> </span><span class=\"ls6b wsc3\">167<span class=\"_ _10\"> </span></span></span><span style=\"display:inherit;clear:left;\">5 10<span class=\"_ _2\"></span>7</span><span style=\"display:inherit;clear:left;\"><span class=\"_ _116\"> </span><span class=\"ls4a ws9d\">24<span class=\"_ _8\"></span>8<span class=\"_ _13\"> </span><span class=\"ls131 ws1dd\">1<span class=\"_ _a\"></span>41</span></span></span><span style=\"display:inherit;clear:left;\">Kra<span class=\"_ _2\"></span>ft og vann<span class=\"_ _1\"></span>for<span class=\"_ _1\"></span>syning<span class=\"_ _220\"> </span>2 480<span class=\"_ _12\"> </span><span class=\"ls13b ws1e8\">168<span class=\"_ _9a\"> </span></span>13<span class=\"_ _e9\"> </span><span class=\"ls120 ws1cb\">2 66<span class=\"_ _8\"></span>1<span class=\"_ _114\"> </span></span>0<span class=\"_ _84\"> </span>12</span><span style=\"display:inherit;clear:left;\">By</span><span style=\"display:inherit;clear:left;\">gg<span class=\"_ _2\"></span></span><span style=\"display:inherit;clear:left;\">e- og anle<span class=\"ls14d ws1fd\">gg</span>svirk<span class=\"_ _1\"></span>somhet<span class=\"_ _a7\"> </span></span><span style=\"display:inherit;clear:left;\">6 343<span class=\"_ _89\"> </span></span><span style=\"display:inherit;clear:left;\">2<span class=\"_ _8\"></span> 668<span class=\"_ _74\"> </span></span><span style=\"display:inherit;clear:left;\">594<span class=\"_ _8d\"> </span></span><span style=\"display:inherit;clear:left;\">9 605<span class=\"_ _67\"> </span><span class=\"ls4a ws9d\">76<span class=\"_ _116\"> </span><span class=\"ls13f ws1ed\">83</span></span></span><span style=\"display:inherit;clear:left;\">V<span class=\"_ _2\"></span>arehandel<span class=\"_ _183\"> </span>2 617<span class=\"_ _8e\"> </span></span><span style=\"display:inherit;clear:left;\">1<span class=\"_ _8\"></span> 361<span class=\"_ _17\"> </span><span class=\"ls139 ws1e6\">1<span class=\"_ _8\"></span>51<span class=\"_ _91\"> </span></span></span><span style=\"display:inherit;clear:left;\">4 129<span class=\"_ _209\"> </span>22<span class=\"_ _b6\"> </span><span class=\"lsa wsa\">53</span></span><span style=\"display:inherit;clear:left;\">Utenriks sj\u00f8<span class=\"_ _1\"></span>f<span class=\"_ _1\"></span>art og tr<span class=\"_ _1\"></span>ansport<span class=\"_ _221\"> </span>8 0<span class=\"_ _1\"></span>71<span class=\"_ _5d\"> </span></span><span style=\"display:inherit;clear:left;\">3<span class=\"_ _8\"></span>82<span class=\"_ _6b\"> </span></span><span style=\"display:inherit;clear:left;\">1<span class=\"_ _8\"></span> 47<span class=\"_ _8\"></span>6<span class=\"_ _75\"> </span></span><span style=\"display:inherit;clear:left;\">9 929<span class=\"_ _64\"> </span><span class=\"ls31 ws81\">1<span class=\"_ _8\"></span>57<span class=\"_ _25\"> </span><span class=\"ls4a ws9d\">1<span class=\"_ _8\"></span>24</span></span></span><span style=\"display:inherit;clear:left;\">Hot<span class=\"_ _1\"></span>ell og r<span class=\"_ _1\"></span>estaur<span class=\"_ _1\"></span>an<span class=\"_ _1\"></span>t<span class=\"_ _20c\"> </span></span><span style=\"display:inherit;clear:left;\">595<span class=\"_ _3e\"> </span><span class=\"ls82 ws14b\">56<span class=\"_ _68\"> </span></span></span><span style=\"display:inherit;clear:left;\">8<span class=\"_ _97\"> </span><span class=\"ls31 ws81\">6<span class=\"_ _8\"></span>59<span class=\"_ _146\"> </span></span>1<span class=\"_ _48\"> </span><span class=\"ls136 ws1e3\">39</span></span><span style=\"display:inherit;clear:left;\">Eiendomsdrift<span class=\"_ _fd\"> </span>16 515<span class=\"_ _74\"> </span></span><span style=\"display:inherit;clear:left;\">806<span class=\"_ _8b\"> </span><span class=\"ls10 ws10\">61<span class=\"_ _14\"> </span></span></span><span style=\"display:inherit;clear:left;\">17 382</span><span style=\"display:inherit;clear:left;\"><span class=\"_ _116\"> </span><span class=\"ls125 ws1cf\">29<span class=\"_ _8\"></span>6<span class=\"_ _25\"> </span><span class=\"ls126 ws1d0\">1<span class=\"_ _8\"></span>58</span></span></span><span style=\"display:inherit;clear:left;\">Tjenest<span class=\"_ _1\"></span>e<span class=\"_ _1\"></span>ytende virksomhe<span class=\"_ _1\"></span>t<span class=\"_ _b5\"> </span></span><span style=\"display:inherit;clear:left;\">2<span class=\"_ _8\"></span> 692<span class=\"_ _93\"> </span></span><span style=\"display:inherit;clear:left;\">685<span class=\"_ _74\"> </span></span><span style=\"display:inherit;clear:left;\">200<span class=\"_ _75\"> </span><span class=\"ls4a ws9d\">3<span class=\"_ _8\"></span> 576<span class=\"_ _110\"> </span>1<span class=\"_ _8\"></span>24<span class=\"_ _48\"> </span><span class=\"ls82 ws14b\">50</span></span></span><span style=\"display:inherit;clear:left;\">Off<span class=\"_ _1\"></span>entlig f<span class=\"_ _1\"></span>orv<span class=\"_ _1\"></span>altning<span class=\"_ _1cf\"> </span></span><span style=\"display:inherit;clear:left;\">66<span class=\"_ _8d\"> </span><span class=\"ls133 ws1e0\">46<span class=\"_ _a1\"> </span></span></span><span style=\"display:inherit;clear:left;\">6<span class=\"_ _13\"> </span>117<span class=\"_ _114\"> </span>0<span class=\"_ _43\"> </span>0</span><span style=\"display:inherit;clear:left;\">Andre finansielle f<span class=\"_ _1\"></span>or<span class=\"_ _1\"></span>e<span class=\"_ _1\"></span>tak<span class=\"_ _60\"> </span></span><span style=\"display:inherit;clear:left;\">445<span class=\"_ _21a\"> </span></span><span style=\"display:inherit;clear:left;\">95<span class=\"_ _75\"> </span></span><span style=\"display:inherit;clear:left;\">52<span class=\"_ _e7\"> </span><span class=\"ls31 ws81\">591<span class=\"_ _212\"> </span></span></span><span style=\"display:inherit;clear:left;\">0<span class=\"_ _84\"> </span>17</span><span style=\"display:inherit;clear:left;\">Sum n\u00e6ringsliv<span class=\"_ _149\"> </span>53 2<span class=\"_ _1\"></span>06<span class=\"_ _89\"> </span><span class=\"ls132 ws1de\">8<span class=\"_ _8\"></span> 0<span class=\"_ _8\"></span>87<span class=\"_ _94\"> </span></span>3 111<span class=\"_ _86\"> </span>64 404<span class=\"_ _116\"> </span><span class=\"ls13b ws1e8\">968<span class=\"_ _99\"> </span><span class=\"ls4a ws9d\">76<span class=\"_ _8\"></span>1</span></span></span><span style=\"display:inherit;clear:left;\">Per<span class=\"_ _1\"></span>sonkunder<span class=\"_ _135\"> </span>44 880<span class=\"_ _83\"> </span>5 718<span class=\"_ _96\"> </span>11<span class=\"_ _94\"> </span></span><span style=\"display:inherit;clear:left;\">50 608<span class=\"_ _110\"> </span><span class=\"ls139 ws1e6\">1<span class=\"_ _8\"></span>38<span class=\"_ _48\"> </span><span class=\"ls120 ws1cb\">66</span></span></span><span style=\"display:inherit;clear:left;\">Sum brutto eng<span class=\"_ _1\"></span>asjement<span class=\"_ _b5\"> </span><span class=\"ls82 ws14b\">98<span class=\"_ _8\"></span> 085<span class=\"_ _c7\"> </span></span>13 805<span class=\"_ _8a\"> </span>3 122<span class=\"_ _6e\"> </span>115 012<span class=\"_ _25\"> </span>1 107<span class=\"_ _20e\"> </span><span class=\"ls15 ws15\">828</span></span><span style=\"display:inherit;clear:left;\"> - Modellberegne<span class=\"_ _1\"></span>t nedskriving BM (s<span class=\"_ _1\"></span>teg 1-<span class=\"_ _1\"></span>3)<span class=\"_ _13\"> </span></span><span style=\"display:inherit;clear:left;\">535<span class=\"_ _8d\"> </span><span class=\"ls8 ws8\">42<span class=\"_ _8d\"> </span></span></span><span style=\"display:inherit;clear:left;\">48<span class=\"_ _97\"> </span><span class=\"ls83 wsdd\">625</span></span><span style=\"display:inherit;clear:left;\"> - Modellberegne<span class=\"_ _1\"></span>t nedskriving PM (s<span class=\"_ _1\"></span>teg 1-<span class=\"_ _1\"></span>3)<span class=\"_ _169\"> </span><span class=\"ls31 ws81\">57<span class=\"_ _a2\"> </span></span>5<span class=\"_ _4a\"> </span>0<span class=\"_ _b6\"> </span><span class=\"lsf wsf\">62</span></span><span style=\"display:inherit;clear:left;\"> - Nedskriving st<span class=\"_ _1\"></span>eg 3 individuelt vur<span class=\"_ _1\"></span>dert BM<span class=\"_ _13\"> </span><span class=\"ls13 ws13\">227<span class=\"_ _a1\"> </span></span>0<span class=\"_ _a1\"> </span>0<span class=\"_ _9c\"> </span><span class=\"ls13 ws13\">2<span class=\"_ _8\"></span>27</span></span><span style=\"display:inherit;clear:left;\"> - Nedskriving st<span class=\"_ _1\"></span>eg 3 individuelt vur<span class=\"_ _1\"></span>dert PM<span class=\"_ _b2\"> </span>9<span class=\"_ _a1\"> </span>0<span class=\"_ _4a\"> </span>0<span class=\"_ _c8\"> </span>9</span><span style=\"display:inherit;clear:left;\">Sum net<span class=\"_ _1\"></span>to engasjemen<span class=\"_ _1\"></span>t<span class=\"_ _124\"> </span><span class=\"ls61 wsb5\">97<span class=\"_ _8\"></span> 2<span class=\"_ _8\"></span>58<span class=\"_ _19a\"> </span></span>13 758<span class=\"_ _89\"> </span><span class=\"ls61 wsb5\">3 07<span class=\"_ _8\"></span>3<span class=\"_ _8e\"> </span></span>114 08<span class=\"_ _1\"></span>9</span><span style=\"display:inherit;clear:left;\">No<span class=\"_ _1\"></span>te 12 F<span class=\"_ _1\"></span>ord<span class=\"_ _1\"></span>eling a<span class=\"_ _1\"></span>v b<span class=\"_ _1\"></span>r<span class=\"_ _8\"></span>utto u<span class=\"_ _1\"></span>tl<span class=\"_ _1\"></span>\u00e5n mellom ulik<span class=\"_ _1\"></span>e ste<span class=\"_ _1\"></span>g i IF<span class=\"_ _8\"></span>RS 9</span><span style=\"display:inherit;clear:left;\">T<span class=\"_ _0\"></span>abellen nedenf<span class=\"_ _1\"></span>or forklar<span class=\"_ _1\"></span>er endring i utl\u00e5nsmas<span class=\"_ _1\"></span>sen f<span class=\"_ _1\"></span>or hv<span class=\"_ _1\"></span>ert enkelt s<span class=\"_ _1\"></span>teg innen<span class=\"_ _1\"></span>f<span class=\"_ _1\"></span>or IFRS 9<span class=\"_ _1\"></span>, fr<span class=\"_ _1\"></span>a inng\u00e5ende balanse til utg\u00e5<span class=\"_ _1\"></span>ende balanse. </span><span style=\"display:inherit;clear:left;\">Prinsipper for klas<span class=\"_ _1\"></span>sifikasjon innen s<span class=\"_ _1\"></span>teg fr<span class=\"_ _1\"></span>emkommer a<span class=\"_ _2\"></span>v note 11. </span><span style=\"display:inherit;clear:left;\">K<span class=\"_ _1\"></span>ONSERN </span><span style=\"display:inherit;clear:left;\"> Sum modell- </span><span style=\"display:inherit;clear:left;\">Individuelt </span><span style=\"display:inherit;clear:left;\">Modellber<span class=\"_ _1\"></span>egnet</span><span style=\"display:inherit;clear:left;\">ber<span class=\"_ _1\"></span>egnet tap</span><span style=\"display:inherit;clear:left;\">vur<span class=\"_ _1\"></span>dert<span class=\"_ _a2\"> </span><span class=\"ls140 ws1ee\">To<span class=\"_ _a\"></span>t<span class=\"_ _38\"></span>a<span class=\"_ _a\"></span>l</span></span><span style=\"display:inherit;clear:left;\">Br<span class=\"_ _8\"></span>utto ut<span class=\"_ _8\"></span>l\u00e5n v<span class=\"_ _8\"></span>urde<span class=\"_ _8\"></span>rt ti<span class=\"_ _8\"></span>l am<span class=\"_ _8\"></span>ort<span class=\"_ _8\"></span>ise<span class=\"_ _8\"></span>rt ko<span class=\"_ _8\"></span>st<span class=\"_ _116\"> </span><span class=\"ls125 ws1cf\">S<span class=\"_ _8\"></span>teg<span class=\"_ _8\"></span> 1<span class=\"_ _cc\"> </span>Steg<span class=\"_ _8\"></span> 2<span class=\"_ _a8\"> </span>S<span class=\"_ _8\"></span>teg<span class=\"_ _8\"></span> 3<span class=\"_ _1e5\"> </span>Steg<span class=\"_ _8\"></span> 3</span></span><span style=\"display:inherit;clear:left;\">Brutt<span class=\"_ _1\"></span>o utl\u00e5n inng\u00e5ende balanse<span class=\"_ _e8\"> </span></span><span style=\"display:inherit;clear:left;\">18<span class=\"_ _1\"></span>9 12<span class=\"_ _1\"></span>4<span class=\"_ _131\"> </span>12 010<span class=\"_ _86\"> </span></span><span style=\"display:inherit;clear:left;\">7<span class=\"_ _8\"></span>76<span class=\"_ _189\"> </span></span><span style=\"display:inherit;clear:left;\">201 91<span class=\"_ _8\"></span>0<span class=\"_ _9d\"> </span><span class=\"ls6b wsc3\">624<span class=\"_ _cd\"> </span><span class=\"lsf6 ws158\">202 5<span class=\"_ _8\"></span>34</span></span></span><span style=\"display:inherit;clear:left;\">Overf<span class=\"_ _1\"></span>\u00f8rt til 12 mnd ECL (s<span class=\"_ _1\"></span>teg 1)<span class=\"_ _21\"> </span></span><span style=\"display:inherit;clear:left;\">3 986<span class=\"_ _b7\"> </span><span class=\"ls84 wsdf\">-3<span class=\"_ _8\"></span> 951<span class=\"_ _74\"> </span>-35<span class=\"_ _43\"> </span></span></span><span style=\"display:inherit;clear:left;\">0<span class=\"_ _21e\"> </span>0<span class=\"_ _43\"> </span>0</span><span style=\"display:inherit;clear:left;\">Overf<span class=\"_ _1\"></span>\u00f8rt til lev<span class=\"_ _1\"></span>e<span class=\"_ _1\"></span>tid ECL \u2013 ikk<span class=\"_ _1\"></span>e objektiv<span class=\"_ _1\"></span>e bevis p\u00e5 </span><span style=\"display:inherit;clear:left;\">tap (st<span class=\"_ _1\"></span>eg 2)<span class=\"_ _1c3\"> </span>-<span class=\"_ _2\"></span>7 115<span class=\"_ _107\"> </span>7 172<span class=\"_ _6e\"> </span><span class=\"ls120 ws1cb\">-43<span class=\"_ _88\"> </span></span>14<span class=\"_ _13\"> </span><span class=\"ls6 ws6\">-1<span class=\"_ _8\"></span>4<span class=\"_ _c8\"> </span></span>0</span><span style=\"display:inherit;clear:left;\">Overf<span class=\"_ _1\"></span>\u00f8rt til lev<span class=\"_ _1\"></span>e<span class=\"_ _1\"></span>tid ECL \u2013 objektiv<span class=\"_ _1\"></span>e be<span class=\"_ _1\"></span>vis p\u00e5 tap </span><span style=\"display:inherit;clear:left;\">(st<span class=\"_ _1\"></span>eg 3) \u2013 Modellberegne<span class=\"_ _1\"></span>t<span class=\"_ _222\"> </span></span><span style=\"display:inherit;clear:left;\">-7<span class=\"_ _8\"></span>5<span class=\"_ _ba\"> </span></span><span style=\"display:inherit;clear:left;\">-<span class=\"_ _8\"></span>327<span class=\"_ _189\"> </span><span class=\"lsf6 ws158\">402<span class=\"_ _43\"> </span></span></span><span style=\"display:inherit;clear:left;\">0<span class=\"_ _43\"> </span>0<span class=\"_ _21e\"> </span>0</span><span style=\"display:inherit;clear:left;\">Overf<span class=\"_ _1\"></span>\u00f8rt til lev<span class=\"_ _1\"></span>e<span class=\"_ _1\"></span>tid ECL \u2013 objektiv<span class=\"_ _1\"></span>e be<span class=\"_ _1\"></span>vis p\u00e5 tap </span><span style=\"display:inherit;clear:left;\">(st<span class=\"_ _1\"></span>eg 3) \u2013 Individuelt vurdert<span class=\"_ _11e\"> </span><span class=\"ls125 ws1cf\">-20<span class=\"_ _6f\"> </span><span class=\"ls84 wsdf\">-239<span class=\"_ _74\"> </span>-36<span class=\"_ _3d\"> </span></span>-295<span class=\"_ _15\"> </span>295<span class=\"_ _c8\"> </span></span>0</span><span style=\"display:inherit;clear:left;\">Nye ut<span class=\"_ _1\"></span>st<span class=\"_ _1\"></span>edte eller kj\u00f8p<span class=\"_ _1\"></span>te finansielle eiendeler<span class=\"_ _14\"> </span><span class=\"ls132 ws1de\">89<span class=\"_ _8\"></span> 2<span class=\"_ _8\"></span>87<span class=\"_ _89\"> </span></span>3 5<span class=\"_ _1\"></span>84<span class=\"_ _14\"> </span>111<span class=\"_ _12\"> </span><span class=\"ls82 ws14b\">92 981<span class=\"_ _63\"> </span>45<span class=\"_ _93\"> </span><span class=\"ls13 ws13\">93<span class=\"_ _8\"></span> 027</span></span></span><span style=\"display:inherit;clear:left;\">Finansielle eiendeler som har blitt fr<span class=\"_ _1\"></span>ar<span class=\"_ _1\"></span>egnet  </span><span style=\"display:inherit;clear:left;\">\u2013 eksklusiv<span class=\"_ _1\"></span>e tapsnedskriving<span class=\"_ _1e5\"> </span>-60 29<span class=\"_ _1\"></span>1<span class=\"_ _c7\"> </span></span><span style=\"display:inherit;clear:left;\">-4 345<span class=\"_ _83\"> </span><span class=\"ls125 ws1cf\">-298<span class=\"_ _6b\"> </span></span></span><span style=\"display:inherit;clear:left;\">-64 934<span class=\"_ _a2\"> </span><span class=\"ls139 ws1e6\">-513<span class=\"_ _6b\"> </span></span>-65 446</span><span style=\"display:inherit;clear:left;\">Net<span class=\"_ _1\"></span>to endring p\u00e5 ek<span class=\"_ _1\"></span>sist<span class=\"_ _1\"></span>erende l\u00e5n<span class=\"_ _5e\"> </span><span class=\"ls82 ws14b\">5<span class=\"_ _8\"></span> 608<span class=\"_ _98\"> </span><span class=\"ls12f ws1d9\">731<span class=\"_ _98\"> </span><span class=\"lsf wsf\">62<span class=\"_ _78\"> </span><span class=\"lsf6 ws158\">6 4<span class=\"_ _8\"></span>02<span class=\"_ _48\"> </span></span></span></span>56<span class=\"_ _8d\"> </span><span class=\"ls126 ws1d0\">6 458</span></span></span><span style=\"display:inherit;clear:left;\">Brutto utl\u00e5n pr<span class=\"_ _0\"></span>. 31/12<span class=\"_ _1\"></span>-2<span class=\"_ _1\"></span>02<span class=\"_ _1\"></span>3 vur<span class=\"_ _1\"></span>dert til </span><span style=\"display:inherit;clear:left;\">amortisert kos<span class=\"_ _1\"></span>t<span class=\"_ _133\"> </span>220 5<span class=\"_ _1\"></span>03<span class=\"_ _a8\"> </span>14 636<span class=\"_ _6b\"> </span></span><span style=\"display:inherit;clear:left;\">940<span class=\"_ _83\"> </span></span><span style=\"display:inherit;clear:left;\">2<span class=\"_ _8\"></span>3<span class=\"_ _8\"></span>6<span class=\"_ _8\"></span> 079<span class=\"_ _a2\"> </span><span class=\"ls13 ws13\">49<span class=\"_ _8\"></span>4<span class=\"_ _6b\"> </span><span class=\"ls14f ws200\">236<span class=\"_ _8\"></span> 5<span class=\"_ _8\"></span>72</span></span></span><span style=\"display:inherit;clear:left;\">T<span class=\"_ _0\"></span>apsnedskriving utl\u00e5n<span class=\"_ _223\"> </span></span><span style=\"display:inherit;clear:left;\">-24<span class=\"_ _8\"></span>4<span class=\"_ _86\"> </span><span class=\"ls125 ws1cf\">-208<span class=\"_ _87\"> </span>-2<span class=\"_ _8\"></span>20<span class=\"_ _4a\"> </span><span class=\"ls137 ws1e4\">-<span class=\"_ _8\"></span>672<span class=\"_ _3d\"> </span></span>-205<span class=\"_ _a1\"> </span><span class=\"ls132 ws1de\">-<span class=\"_ _8\"></span>878</span></span></span><span style=\"display:inherit;clear:left;\">Net<span class=\"_ _1\"></span>to utl\u00e5n pr<span class=\"_ _0\"></span>. 31/12<span class=\"_ _1\"></span>-2<span class=\"_ _1\"></span>02<span class=\"_ _1\"></span>3 vur<span class=\"_ _1\"></span>dert til  </span><span style=\"display:inherit;clear:left;\">amortisert kost<span class=\"_ _18e\"> </span>220 2<span class=\"_ _1\"></span>5<span class=\"_ _1\"></span>9<span class=\"_ _c7\"> </span>14 42<span class=\"_ _1\"></span>8<span class=\"_ _86\"> </span></span><span style=\"display:inherit;clear:left;\">72<span class=\"_ _8\"></span>0<span class=\"_ _85\"> </span></span><span style=\"display:inherit;clear:left;\">2<span class=\"_ _8\"></span>3<span class=\"_ _8\"></span>5<span class=\"_ _8\"></span> 4<span class=\"_ _8\"></span>07<span class=\"_ _9c\"> </span><span class=\"ls109 ws16b\">28<span class=\"_ _8\"></span>8<span class=\"_ _6b\"> </span><span class=\"ls138 ws1e5\">235<span class=\"_ _8\"></span> 695</span></span></span><span style=\"display:inherit;clear:left;\">Utl\u00e5n vur<span class=\"_ _1\"></span>dert til virkelig v<span class=\"_ _1\"></span>er<span class=\"_ _1\"></span>di<span class=\"_ _224\"> </span><span class=\"ff4 ls6 ws6\">2<span class=\"_ _8\"></span>0<span class=\"_ _8\"></span> 072</span></span><span style=\"display:inherit;clear:left;\">Balansef<span class=\"_ _1\"></span>\u00f8rt<span class=\"_ _1\"></span>e utl\u00e5n pr<span class=\"_ _0\"></span>. 31/12-<span class=\"_ _1\"></span>20<span class=\"_ _1\"></span>23<span class=\"_ _186\"> </span><span class=\"ls4a ws9d\">25<span class=\"_ _8\"></span>5<span class=\"_ _8\"></span> 767</span></span><span style=\"display:inherit;clear:left;\">Brutto utl\u00e5n vur<span class=\"_ _2\"></span>der<span class=\"_ _8\"></span>t til amortisert kos<span class=\"_ _1\"></span>t f<span class=\"_ _1\"></span>or<span class=\"_ _1\"></span>delt </span><span style=\"display:inherit;clear:left;\">p\u00e5 ulike s<span class=\"_ _1\"></span>t<span class=\"_ _1\"></span>eg pr<span class=\"_ _0\"></span>. 31/12-<span class=\"_ _1\"></span>20<span class=\"_ _1\"></span>23<span class=\"_ _225\"> </span>220 50<span class=\"_ _1\"></span>3<span class=\"_ _a3\"> </span>14 636<span class=\"_ _6b\"> </span></span><span style=\"display:inherit;clear:left;\">940<span class=\"_ _83\"> </span></span><span style=\"display:inherit;clear:left;\">23<span class=\"_ _8\"></span>6<span class=\"_ _8\"></span> 079<span class=\"_ _226\"> </span><span class=\"ls13 ws13\">494<span class=\"_ _6b\"> </span><span class=\"ls14f ws200\">23<span class=\"_ _8\"></span>6<span class=\"_ _8\"></span> 572</span></span></span><span style=\"display:inherit;clear:left;\">* Hera<span class=\"_ _2\"></span>v Bedriftsmark<span class=\"_ _1\"></span>ed<span class=\"_ _127\"> </span><span class=\"ff4\">49 121<span class=\"_ _90\"> </span><span class=\"ls133 ws1e0\">9 056<span class=\"_ _189\"> </span><span class=\"ls120 ws1cb\">660<span class=\"_ _1b\"> </span><span class=\"ls61 wsb5\">5<span class=\"_ _8\"></span>8<span class=\"_ _8\"></span> 8<span class=\"_ _8\"></span>37<span class=\"_ _9c\"> </span><span class=\"ls13e ws1ec\">47<span class=\"_ _8\"></span>9<span class=\"_ _14\"> </span></span></span></span></span>59 3<span class=\"_ _1\"></span>16</span></span><span style=\"display:inherit;clear:left;\">* Hera<span class=\"_ _2\"></span>v Priva<span class=\"_ _2\"></span>tmarked \u2013 bolig<span class=\"_ _227\"> </span><span class=\"ff4\">17<span class=\"_ _1\"></span>0 844<span class=\"_ _90\"> </span><span class=\"ls138 ws1e5\">5<span class=\"_ _8\"></span> 469<span class=\"_ _74\"> </span><span class=\"ls13 ws13\">27<span class=\"_ _8\"></span>1<span class=\"_ _86\"> </span></span></span>176 5<span class=\"_ _1\"></span>83<span class=\"_ _a0\"> </span>15<span class=\"_ _86\"> </span>17<span class=\"_ _1\"></span>6 5<span class=\"_ _1\"></span>98</span></span><span style=\"display:inherit;clear:left;\">* Hera<span class=\"_ _2\"></span>v Priva<span class=\"_ _2\"></span>tmarked \u2013 b<span class=\"_ _1\"></span>lanco/anne<span class=\"_ _1\"></span>t<span class=\"_ _f0\"> </span><span class=\"ff4 ls139 ws1e6\">538<span class=\"_ _3e\"> </span></span><span class=\"ff4\">111<span class=\"_ _9a\"> </span>9<span class=\"_ _97\"> </span><span class=\"ls126 ws1d0\">6<span class=\"_ _8\"></span>58<span class=\"_ _43\"> </span></span>0<span class=\"_ _97\"> </span><span class=\"ls126 ws1d0\">658</span></span></span><span style=\"display:inherit;clear:left;\">MORBANK</span><span style=\"display:inherit;clear:left;\"> Sum modell- </span><span style=\"display:inherit;clear:left;\">Individuelt </span><span style=\"display:inherit;clear:left;\">Modellber<span class=\"_ _1\"></span>egnet</span><span style=\"display:inherit;clear:left;\">ber<span class=\"_ _1\"></span>egnet tap</span><span style=\"display:inherit;clear:left;\">vur<span class=\"_ _1\"></span>dert<span class=\"_ _a2\"> </span><span class=\"ls140 ws1ee\">To<span class=\"_ _a\"></span>t<span class=\"_ _38\"></span>a<span class=\"_ _a\"></span>l</span></span><span style=\"display:inherit;clear:left;\">Br<span class=\"_ _8\"></span>utto ut<span class=\"_ _8\"></span>l\u00e5n v<span class=\"_ _8\"></span>urde<span class=\"_ _8\"></span>rt ti<span class=\"_ _8\"></span>l am<span class=\"_ _8\"></span>ort<span class=\"_ _8\"></span>ise<span class=\"_ _8\"></span>rt ko<span class=\"_ _8\"></span>st ell<span class=\"_ _8\"></span>er </span><span style=\"display:inherit;clear:left;\">virkelig v<span class=\"_ _1\"></span>erdi<span class=\"_ _1\"></span> ov<span class=\"_ _1\"></span>er OCI<span class=\"_ _20\"> </span><span class=\"ls125 ws1cf\">Ste<span class=\"_ _8\"></span>g 1<span class=\"_ _cc\"> </span>Ste<span class=\"_ _8\"></span>g 2<span class=\"_ _a3\"> </span>Ste<span class=\"_ _8\"></span>g 3<span class=\"_ _1e5\"> </span>Ste<span class=\"_ _8\"></span>g 3</span></span><span style=\"display:inherit;clear:left;\">Brutt<span class=\"_ _1\"></span>o utl\u00e5n inng\u00e5ende balanse<span class=\"_ _16b\"> </span></span><span style=\"display:inherit;clear:left;\">83 568<span class=\"_ _cb\"> </span></span><span style=\"display:inherit;clear:left;\">8 46<span class=\"_ _8\"></span>0<span class=\"_ _8e\"> </span><span class=\"ls135 ws1e2\">6<span class=\"_ _8\"></span>36<span class=\"_ _94\"> </span></span></span><span style=\"display:inherit;clear:left;\"><span class=\"ff1\">92 665<span class=\"_ _20e\"> </span><span class=\"ls12c ws1d6\">623<span class=\"_ _74\"> </span></span>93 2<span class=\"_ _1\"></span>88</span></span><span style=\"display:inherit;clear:left;\">Overf<span class=\"_ _1\"></span>\u00f8rt til 12 mnd ECL (s<span class=\"_ _1\"></span>teg 1)<span class=\"_ _21\"> </span><span class=\"ls136 ws1e3\">2 39<span class=\"_ _8\"></span>8<span class=\"_ _dc\"> </span></span>-2 3<span class=\"_ _1\"></span>64<span class=\"_ _6e\"> </span><span class=\"ls84 wsdf\">-3<span class=\"_ _8\"></span>4<span class=\"_ _43\"> </span></span>0<span class=\"_ _21e\"> </span>0<span class=\"_ _43\"> </span>0</span><span style=\"display:inherit;clear:left;\">Overf<span class=\"_ _1\"></span>\u00f8rt til lev<span class=\"_ _1\"></span>e<span class=\"_ _1\"></span>tid ECL \u2013 ikk<span class=\"_ _1\"></span>e objektiv<span class=\"_ _1\"></span>e bevis p\u00e5 </span><span style=\"display:inherit;clear:left;\">tap (st<span class=\"_ _1\"></span>eg 2)<span class=\"_ _183\"> </span><span class=\"ls138 ws1e5\">-5 0<span class=\"_ _8\"></span>82<span class=\"_ _189\"> </span></span>5 118<span class=\"_ _94\"> </span><span class=\"ls84 wsdf\">-2<span class=\"_ _8\"></span>2<span class=\"_ _88\"> </span></span>14<span class=\"_ _125\"> </span><span class=\"ls6 ws6\">-1<span class=\"_ _a\"></span>4<span class=\"_ _c8\"> </span></span>0</span><span style=\"display:inherit;clear:left;\">Overf<span class=\"_ _1\"></span>\u00f8rt til lev<span class=\"_ _1\"></span>e<span class=\"_ _1\"></span>tid ECL \u2013 objektiv<span class=\"_ _1\"></span>e be<span class=\"_ _1\"></span>vis p\u00e5 tap </span><span style=\"display:inherit;clear:left;\">(st<span class=\"_ _1\"></span>eg 3) \u2013 Modellberegne<span class=\"_ _1\"></span>t<span class=\"_ _228\"> </span></span><span style=\"display:inherit;clear:left;\">-35<span class=\"_ _86\"> </span></span><span style=\"display:inherit;clear:left;\">-26<span class=\"_ _8\"></span>5<span class=\"_ _8e\"> </span><span class=\"ls12c ws1d6\">30<span class=\"_ _8\"></span>0<span class=\"_ _21e\"> </span></span></span><span style=\"display:inherit;clear:left;\">0<span class=\"_ _43\"> </span>0<span class=\"_ _43\"> </span>0</span><span style=\"display:inherit;clear:left;\">Overf<span class=\"_ _1\"></span>\u00f8rt til lev<span class=\"_ _1\"></span>e<span class=\"_ _1\"></span>tid ECL \u2013 objektiv<span class=\"_ _1\"></span>e be<span class=\"_ _1\"></span>vis p\u00e5 tap </span><span style=\"display:inherit;clear:left;\">(st<span class=\"_ _1\"></span>eg 3) \u2013 Individuelt vurdert<span class=\"_ _11e\"> </span><span class=\"ls125 ws1cf\">-20<span class=\"_ _6f\"> </span><span class=\"ls84 wsdf\">-235<span class=\"_ _94\"> </span>-34<span class=\"_ _96\"> </span></span>-290<span class=\"_ _97\"> </span>29<span class=\"_ _8\"></span>0<span class=\"_ _43\"> </span></span>0</span><span style=\"display:inherit;clear:left;\">Nye ut<span class=\"_ _1\"></span>st<span class=\"_ _1\"></span>edte eller kj\u00f8p<span class=\"_ _1\"></span>te finansielle eiendeler<span class=\"_ _1b\"> </span>48 97<span class=\"_ _2\"></span>0<span class=\"_ _89\"> </span>3 067<span class=\"_ _108\"> </span></span><span style=\"display:inherit;clear:left;\">1<span class=\"_ _8\"></span>46<span class=\"_ _12\"> </span><span class=\"ls138 ws1e5\">52<span class=\"_ _8\"></span> 182<span class=\"_ _116\"> </span><span class=\"ls13e ws1ec\">47<span class=\"_ _93\"> </span></span>52<span class=\"_ _8\"></span> 230</span></span><span style=\"display:inherit;clear:left;\">Finansielle eiendeler som har blitt fr<span class=\"_ _1\"></span>ar<span class=\"_ _1\"></span>egnet  </span><span style=\"display:inherit;clear:left;\">\u2013 eksklusiv<span class=\"_ _1\"></span>e tapsnedskriving<span class=\"_ _a9\"> </span>-<span class=\"_ _1\"></span>34 4<span class=\"_ _2\"></span>14<span class=\"_ _c9\"> </span></span><span style=\"display:inherit;clear:left;\">-3 335<span class=\"_ _83\"> </span></span><span style=\"display:inherit;clear:left;\">-2<span class=\"_ _8\"></span>27<span class=\"_ _ba\"> </span></span><span style=\"display:inherit;clear:left;\">-<span class=\"_ _8\"></span>3<span class=\"_ _8\"></span>7<span class=\"_ _8\"></span> 97<span class=\"_ _8\"></span>5<span class=\"_ _226\"> </span><span class=\"ls139 ws1e6\">-51<span class=\"_ _8\"></span>3<span class=\"_ _8e\"> </span></span></span><span style=\"display:inherit;clear:left;\">-38 488</span><span style=\"display:inherit;clear:left;\">Net<span class=\"_ _1\"></span>to endring p\u00e5 ek<span class=\"_ _1\"></span>sist<span class=\"_ _1\"></span>erende l\u00e5n<span class=\"_ _e8\"> </span></span><span style=\"display:inherit;clear:left;\">2 70<span class=\"_ _8\"></span>8<span class=\"_ _93\"> </span><span class=\"ls82 ws14b\">563<span class=\"_ _14\"> </span><span class=\"ls126 ws1d0\">58<span class=\"_ _3e\"> </span><span class=\"ls125 ws1cf\">3<span class=\"_ _8\"></span> 329<span class=\"_ _b6\"> </span></span></span>56<span class=\"_ _21a\"> </span><span class=\"ls139 ws1e6\">3<span class=\"_ _8\"></span> 385</span></span></span><span style=\"display:inherit;clear:left;\">Brutto utl\u00e5n pr<span class=\"_ _0\"></span>. 31/12<span class=\"_ _1\"></span>-2<span class=\"_ _1\"></span>02<span class=\"_ _1\"></span>3 vur<span class=\"_ _1\"></span>dert til </span><span style=\"display:inherit;clear:left;\">amortisert kos<span class=\"_ _1\"></span>t eller virk<span class=\"_ _1\"></span>elig ver<span class=\"_ _2\"></span>di ov<span class=\"_ _1\"></span>er OCI<span class=\"_ _1a\"> </span><span class=\"ls13b ws1e8\">98 094<span class=\"_ _dc\"> </span></span>11 009<span class=\"_ _189\"> </span><span class=\"ls15 ws15\">82<span class=\"_ _8\"></span>2<span class=\"_ _85\"> </span></span>109 926<span class=\"_ _a1\"> </span><span class=\"ls13 ws13\">49<span class=\"_ _8\"></span>0<span class=\"_ _6e\"> </span></span>110 4<span class=\"_ _1\"></span>15</span><span style=\"display:inherit;clear:left;\">T<span class=\"_ _0\"></span>apsnedskriving utl\u00e5n<span class=\"_ _1cb\"> </span>-<span class=\"_ _1\"></span>214<span class=\"_ _74\"> </span></span><span style=\"display:inherit;clear:left;\">-1<span class=\"_ _8\"></span>67<span class=\"_ _189\"> </span>-1<span class=\"_ _a\"></span>9<span class=\"_ _8\"></span>8<span class=\"_ _4a\"> </span></span><span style=\"display:inherit;clear:left;\">-<span class=\"_ _8\"></span>579<span class=\"_ _3d\"> </span><span class=\"ls125 ws1cf\">-205<span class=\"_ _4a\"> </span><span class=\"ls134 ws1e1\">-7<span class=\"_ _8\"></span>8<span class=\"_ _38\"></span>4</span></span></span><span style=\"display:inherit;clear:left;\">Net<span class=\"_ _1\"></span>to utl\u00e5n pr<span class=\"_ _0\"></span>. 31/12<span class=\"_ _1\"></span>-2<span class=\"_ _1\"></span>02<span class=\"_ _1\"></span>3 vur<span class=\"_ _1\"></span>dert til amortisert </span><span style=\"display:inherit;clear:left;\">kos<span class=\"_ _1\"></span>t eller virkelig v<span class=\"_ _1\"></span>er<span class=\"_ _1\"></span>di o<span class=\"_ _1\"></span>v<span class=\"_ _1\"></span>er OCI<span class=\"_ _29\"> </span>9<span class=\"_ _1\"></span>7 880<span class=\"_ _c7\"> </span>10 842<span class=\"_ _65\"> </span><span class=\"ls83 wsdd\">625<span class=\"_ _8e\"> </span></span>109 34<span class=\"_ _2\"></span>7<span class=\"_ _20e\"> </span><span class=\"ls109 ws16b\">28<span class=\"_ _8\"></span>4<span class=\"_ _108\"> </span></span>109 631</span><span style=\"display:inherit;clear:left;\">Utl\u00e5n vur<span class=\"_ _1\"></span>dert til virkelig v<span class=\"_ _1\"></span>er<span class=\"_ _1\"></span>di<span class=\"_ _201\"> </span><span class=\"ff4 ls31 ws81\">4 591</span></span><span style=\"display:inherit;clear:left;\">Balansef<span class=\"_ _1\"></span>\u00f8rt<span class=\"_ _1\"></span>e utl\u00e5n pr<span class=\"_ _0\"></span>. 31/12-<span class=\"_ _1\"></span>20<span class=\"_ _1\"></span>23<span class=\"_ _229\"> </span>114 222</span><span style=\"display:inherit;clear:left;\">K<span class=\"_ _1\"></span>ONSERN </span><span style=\"display:inherit;clear:left;\"> Sum modell- </span><span style=\"display:inherit;clear:left;\">Individuelt </span><span style=\"display:inherit;clear:left;\">Modellber<span class=\"_ _1\"></span>egnet</span><span style=\"display:inherit;clear:left;\">ber<span class=\"_ _1\"></span>egnet tap</span><span style=\"display:inherit;clear:left;\">vur<span class=\"_ _1\"></span>dert<span class=\"_ _a2\"> </span><span class=\"ls140 ws1ee\">To<span class=\"_ _a\"></span>t<span class=\"_ _38\"></span>a<span class=\"_ _a\"></span>l</span></span><span style=\"display:inherit;clear:left;\">Br<span class=\"_ _8\"></span>utto ut<span class=\"_ _8\"></span>l\u00e5n v<span class=\"_ _8\"></span>urde<span class=\"_ _8\"></span>rt ti<span class=\"_ _8\"></span>l am<span class=\"_ _8\"></span>ort<span class=\"_ _8\"></span>ise<span class=\"_ _8\"></span>rt ko<span class=\"_ _8\"></span>st<span class=\"_ _116\"> </span><span class=\"ls125 ws1cf\">S<span class=\"_ _8\"></span>teg<span class=\"_ _8\"></span> 1<span class=\"_ _cc\"> </span>Steg<span class=\"_ _8\"></span> 2<span class=\"_ _a8\"> </span>S<span class=\"_ _8\"></span>teg<span class=\"_ _8\"></span> 3<span class=\"_ _1e5\"> </span>Steg<span class=\"_ _8\"></span> 3</span></span><span style=\"display:inherit;clear:left;\">Brutt<span class=\"_ _1\"></span>o utl\u00e5n inng\u00e5ende balanse<span class=\"_ _e8\"> </span><span class=\"ff1\">163 156<span class=\"_ _d4\"> </span>11 575<span class=\"_ _189\"> </span><span class=\"ls12a ws1d4\">78<span class=\"_ _8\"></span>0<span class=\"_ _74\"> </span></span>175 5<span class=\"_ _1\"></span>11<span class=\"_ _9d\"> </span><span class=\"ls82 ws14b\">656<span class=\"_ _108\"> </span></span>176 16<span class=\"_ _1\"></span>7</span></span><span style=\"display:inherit;clear:left;\">Overf<span class=\"_ _1\"></span>\u00f8rt til 12 mnd ECL (s<span class=\"_ _1\"></span>teg 1)<span class=\"_ _202\"> </span></span><span style=\"display:inherit;clear:left;\">2 4<span class=\"_ _8\"></span>52<span class=\"_ _d4\"> </span></span><span style=\"display:inherit;clear:left;\">-<span class=\"_ _8\"></span>2<span class=\"_ _8\"></span> 379<span class=\"_ _5d\"> </span></span><span style=\"display:inherit;clear:left;\">-23<span class=\"_ _20d\"> </span><span class=\"ls82 ws14b\">50<span class=\"_ _25\"> </span>-50<span class=\"_ _43\"> </span></span></span><span style=\"display:inherit;clear:left;\">0</span><span style=\"display:inherit;clear:left;\">Overf<span class=\"_ _1\"></span>\u00f8rt til lev<span class=\"_ _1\"></span>e<span class=\"_ _1\"></span>tid ECL \u2013 ikk<span class=\"_ _1\"></span>e objektiv<span class=\"_ _1\"></span>e bevis p\u00e5 </span><span style=\"display:inherit;clear:left;\">tap (st<span class=\"_ _1\"></span>eg 2)<span class=\"_ _211\"> </span><span class=\"ls82 ws14b\">-4 862<span class=\"_ _b7\"> </span></span>5 004<span class=\"_ _6b\"> </span><span class=\"ls6 ws6\">-1<span class=\"_ _8\"></span>4<span class=\"_ _8\"></span>2<span class=\"_ _c8\"> </span></span>0<span class=\"_ _21e\"> </span>0<span class=\"_ _43\"> </span>0</span><span style=\"display:inherit;clear:left;\">Overf<span class=\"_ _1\"></span>\u00f8rt til lev<span class=\"_ _1\"></span>e<span class=\"_ _1\"></span>tid ECL \u2013 objektiv<span class=\"_ _1\"></span>e be<span class=\"_ _1\"></span>vis p\u00e5 tap </span><span style=\"display:inherit;clear:left;\">(st<span class=\"_ _1\"></span>eg 3) \u2013 Modellberegne<span class=\"_ _1\"></span>t<span class=\"_ _222\"> </span></span><span style=\"display:inherit;clear:left;\">-7<span class=\"_ _8\"></span>5<span class=\"_ _6f\"> </span></span><span style=\"display:inherit;clear:left;\">-2<span class=\"_ _8\"></span>20<span class=\"_ _65\"> </span><span class=\"ls12c ws1d6\">305<span class=\"_ _a0\"> </span></span></span><span style=\"display:inherit;clear:left;\">10<span class=\"_ _13\"> </span><span class=\"ls6 ws6\">-1<span class=\"_ _8\"></span>0<span class=\"_ _c8\"> </span></span>0</span><span style=\"display:inherit;clear:left;\">Overf<span class=\"_ _1\"></span>\u00f8rt til lev<span class=\"_ _1\"></span>e<span class=\"_ _1\"></span>tid ECL \u2013 objektiv<span class=\"_ _1\"></span>e be<span class=\"_ _1\"></span>vis p\u00e5 tap </span><span style=\"display:inherit;clear:left;\">(st<span class=\"_ _1\"></span>eg 3) \u2013 Individuelt vurdert<span class=\"_ _11f\"> </span></span><span style=\"display:inherit;clear:left;\">-1<span class=\"_ _8\"></span>2<span class=\"_ _11\"> </span><span class=\"ls109 ws16b\">-28<span class=\"_ _1a\"> </span></span>-1<span class=\"_ _8\"></span>8<span class=\"_ _117\"> </span><span class=\"ls31 ws81\">-<span class=\"_ _8\"></span>57<span class=\"_ _116\"> </span>57<span class=\"_ _c8\"> </span></span></span><span style=\"display:inherit;clear:left;\">0</span><span style=\"display:inherit;clear:left;\">Nye ut<span class=\"_ _1\"></span>st<span class=\"_ _1\"></span>edte eller kj\u00f8p<span class=\"_ _1\"></span>te finansielle eiendeler<span class=\"_ _11\"> </span>71 866<span class=\"_ _87\"> </span>2 061<span class=\"_ _11\"> </span><span class=\"ls61 wsb5\">78<span class=\"_ _74\"> </span></span>7<span class=\"_ _2\"></span>4 006<span class=\"_ _25\"> </span><span class=\"ls125 ws1cf\">120<span class=\"_ _14\"> </span></span>7<span class=\"_ _2\"></span>4 125</span><span style=\"display:inherit;clear:left;\">Finansielle eiendeler som har blitt fr<span class=\"_ _1\"></span>ar<span class=\"_ _1\"></span>egnet  </span><span style=\"display:inherit;clear:left;\">\u2013 eksklusiv<span class=\"_ _1\"></span>e tapsnedskriving<span class=\"_ _11c\"> </span></span><span style=\"display:inherit;clear:left;\">-<span class=\"_ _8\"></span>5<span class=\"_ _8\"></span>1<span class=\"_ _a\"></span> 2<span class=\"_ _8\"></span>07<span class=\"_ _db\"> </span></span><span style=\"display:inherit;clear:left;\">-4 546<span class=\"_ _83\"> </span></span><span style=\"display:inherit;clear:left;\">-<span class=\"_ _8\"></span>382<span class=\"_ _108\"> </span><span class=\"ls120 ws1cb\">-56 134<span class=\"_ _68\"> </span></span></span><span style=\"display:inherit;clear:left;\">-<span class=\"_ _1\"></span>164<span class=\"_ _189\"> </span><span class=\"ls82 ws14b\">-56<span class=\"_ _8\"></span> 298</span></span><span style=\"display:inherit;clear:left;\">Net<span class=\"_ _1\"></span>to endring p\u00e5 ek<span class=\"_ _1\"></span>sist<span class=\"_ _1\"></span>erende l\u00e5n<span class=\"_ _16f\"> </span>5 565<span class=\"_ _1b\"> </span></span><span style=\"display:inherit;clear:left;\">4<span class=\"_ _8\"></span>81<span class=\"_ _1a\"> </span><span class=\"ls108 ws16a\">94<span class=\"_ _9a\"> </span></span></span><span style=\"display:inherit;clear:left;\">6 139<span class=\"_ _49\"> </span>14<span class=\"_ _e9\"> </span>6 153</span><span style=\"display:inherit;clear:left;\">Andre endring<span class=\"_ _1\"></span>er<span class=\"_ _70\"> </span></span><span style=\"display:inherit;clear:left;\">2<span class=\"_ _8\"></span> 241<span class=\"_ _10\"> </span><span class=\"ls10 ws10\">61<span class=\"_ _1a\"> </span></span></span><span style=\"display:inherit;clear:left;\">84<span class=\"_ _21a\"> </span><span class=\"ls139 ws1e6\">2<span class=\"_ _8\"></span> 386<span class=\"_ _43\"> </span></span>0<span class=\"_ _21a\"> </span><span class=\"ls139 ws1e6\">2<span class=\"_ _8\"></span> 386</span></span><span style=\"display:inherit;clear:left;\">Brutto utl\u00e5n pr<span class=\"_ _0\"></span>. 31/12<span class=\"_ _1\"></span>-2<span class=\"_ _1\"></span>022 vur<span class=\"_ _2\"></span>der<span class=\"_ _8\"></span>t til </span><span style=\"display:inherit;clear:left;\">amortisert kos<span class=\"_ _1\"></span>t<span class=\"_ _30\"> </span>189 12<span class=\"_ _1\"></span>4<span class=\"_ _131\"> </span>12 010<span class=\"_ _86\"> </span></span><span style=\"display:inherit;clear:left;\">7<span class=\"_ _8\"></span>76<span class=\"_ _189\"> </span></span><span style=\"display:inherit;clear:left;\">201 910<span class=\"_ _97\"> </span><span class=\"ls12c ws1d6\">623<span class=\"_ _cd\"> </span><span class=\"lsf6 ws158\">202<span class=\"_ _8\"></span> 534</span></span></span><span style=\"display:inherit;clear:left;\">T<span class=\"_ _0\"></span>apsnedskriving utl\u00e5n<span class=\"_ _17d\"> </span>-<span class=\"_ _2\"></span>163<span class=\"_ _108\"> </span></span><span style=\"display:inherit;clear:left;\">-279<span class=\"_ _9b\"> </span><span class=\"ls125 ws1cf\">-201<span class=\"_ _10\"> </span></span></span><span style=\"display:inherit;clear:left;\">-644<span class=\"_ _95\"> </span><span class=\"ls84 wsdf\">-236<span class=\"_ _96\"> </span></span>-880</span><span style=\"display:inherit;clear:left;\">Net<span class=\"_ _1\"></span>to utl\u00e5n pr<span class=\"_ _0\"></span>. 31/12<span class=\"_ _1\"></span>-2<span class=\"_ _1\"></span>022 vur<span class=\"_ _1\"></span>dert til amortisert </span><span style=\"display:inherit;clear:left;\">kost<span class=\"_ _22a\"> </span><span class=\"ls0 ws0\">188 961<span class=\"_ _8a\"> </span>11 73<span class=\"_ _1\"></span>1<span class=\"_ _6f\"> </span><span class=\"ls31 ws81\">575<span class=\"_ _86\"> </span><span class=\"ls125 ws1cf\">201<span class=\"_ _8\"></span> 267<span class=\"_ _118\"> </span><span class=\"ls132 ws1de\">387<span class=\"_ _9b\"> </span></span></span></span>201 654</span></span><span style=\"display:inherit;clear:left;\">Utl\u00e5n vur<span class=\"_ _1\"></span>dert til virkelig v<span class=\"_ _1\"></span>er<span class=\"_ _1\"></span>di<span class=\"_ _22b\"> </span><span class=\"ff4\">22 840</span></span><span style=\"display:inherit;clear:left;\">Balansef<span class=\"_ _1\"></span>\u00f8rt<span class=\"_ _1\"></span>e utl\u00e5n pr<span class=\"_ _0\"></span>. 31/12-<span class=\"_ _1\"></span>20<span class=\"_ _1\"></span>22<span class=\"_ _1f6\"> </span>22<span class=\"_ _1\"></span>4 4<span class=\"_ _1\"></span>9<span class=\"_ _1\"></span>4</span><span style=\"display:inherit;clear:left;\">Brutto utl\u00e5n vur<span class=\"_ _2\"></span>der<span class=\"_ _8\"></span>t til amortisert kos<span class=\"_ _1\"></span>t f<span class=\"_ _1\"></span>or<span class=\"_ _1\"></span>delt </span><span style=\"display:inherit;clear:left;\">p\u00e5 ulike s<span class=\"_ _1\"></span>t<span class=\"_ _1\"></span>eg pr<span class=\"_ _0\"></span>. 31/12-<span class=\"_ _1\"></span>20<span class=\"_ _1\"></span>22<span class=\"_ _a9\"> </span>189 12<span class=\"_ _1\"></span>4<span class=\"_ _131\"> </span>12 010<span class=\"_ _86\"> </span></span><span style=\"display:inherit;clear:left;\">7<span class=\"_ _8\"></span>76<span class=\"_ _189\"> </span></span><span style=\"display:inherit;clear:left;\">201 91<span class=\"_ _8\"></span>0<span class=\"_ _20e\"> </span><span class=\"ls12c ws1d6\">623<span class=\"_ _cd\"> </span><span class=\"lsf6 ws158\">202<span class=\"_ _8\"></span> 534</span></span></span><span style=\"display:inherit;clear:left;\">* Hera<span class=\"_ _2\"></span>v Bedriftsmark<span class=\"_ _1\"></span>ed<span class=\"_ _1fc\"> </span></span><span style=\"display:inherit;clear:left;\">44 888<span class=\"_ _90\"> </span>6 965<span class=\"_ _65\"> </span><span class=\"ls4a ws9d\">5<span class=\"_ _8\"></span>24<span class=\"_ _1a\"> </span></span>52 3<span class=\"_ _2\"></span>77<span class=\"_ _df\"> </span><span class=\"ls10 ws10\">610<span class=\"_ _1b\"> </span><span class=\"ls132 ws1de\">52<span class=\"_ _a\"></span> 9<span class=\"_ _8\"></span>87</span></span></span><span style=\"display:inherit;clear:left;\">* Hera<span class=\"_ _2\"></span>v Priva<span class=\"_ _2\"></span>tmarked \u2013 bolig<span class=\"_ _22c\"> </span><span class=\"ff4\">143 395<span class=\"_ _8a\"> </span><span class=\"ls82 ws14b\">4 981<span class=\"_ _189\"> </span><span class=\"ls4a ws9d\">24<span class=\"_ _8\"></span>0<span class=\"_ _108\"> </span></span></span>148 617<span class=\"_ _88\"> </span>10<span class=\"_ _8e\"> </span>148 627</span></span><span style=\"display:inherit;clear:left;\">* Hera<span class=\"_ _2\"></span>v Priva<span class=\"_ _2\"></span>tmarked \u2013 b<span class=\"_ _1\"></span>lanco/anne<span class=\"_ _1\"></span>t<span class=\"_ _50\"> </span><span class=\"ff4 ls131 ws1dd\">8<span class=\"_ _8\"></span>41<span class=\"_ _8d\"> </span></span><span class=\"ff4\">64<span class=\"_ _78\"> </span>12<span class=\"_ _e7\"> </span><span class=\"ls126 ws1d0\">917<span class=\"_ _21e\"> </span></span>4<span class=\"_ _97\"> </span><span class=\"ls125 ws1cf\">920</span></span></span><span style=\"display:inherit;clear:left;\">MORBANK</span><span style=\"display:inherit;clear:left;\"> Sum modell- </span><span style=\"display:inherit;clear:left;\">Individuelt </span><span style=\"display:inherit;clear:left;\">Modellber<span class=\"_ _1\"></span>egnet</span><span style=\"display:inherit;clear:left;\">ber<span class=\"_ _1\"></span>egnet tap</span><span style=\"display:inherit;clear:left;\">vur<span class=\"_ _1\"></span>dert<span class=\"_ _a2\"> </span><span class=\"ls140 ws1ee\">To<span class=\"_ _a\"></span>t<span class=\"_ _38\"></span>a<span class=\"_ _a\"></span>l</span></span><span style=\"display:inherit;clear:left;\">Br<span class=\"_ _8\"></span>utto ut<span class=\"_ _8\"></span>l\u00e5n v<span class=\"_ _8\"></span>urde<span class=\"_ _8\"></span>rt ti<span class=\"_ _8\"></span>l am<span class=\"_ _8\"></span>ort<span class=\"_ _8\"></span>ise<span class=\"_ _8\"></span>rt ko<span class=\"_ _8\"></span>st ell<span class=\"_ _8\"></span>er </span><span style=\"display:inherit;clear:left;\">virkelig v<span class=\"_ _1\"></span>erdi<span class=\"_ _1\"></span> ov<span class=\"_ _1\"></span>er OCI<span class=\"_ _20\"> </span><span class=\"ls125 ws1cf\">Ste<span class=\"_ _8\"></span>g 1<span class=\"_ _cc\"> </span>Ste<span class=\"_ _8\"></span>g 2<span class=\"_ _a3\"> </span>Ste<span class=\"_ _8\"></span>g 3<span class=\"_ _1e5\"> </span>Ste<span class=\"_ _8\"></span>g 3</span></span><span style=\"display:inherit;clear:left;\">Brutt<span class=\"_ _1\"></span>o utl\u00e5n inng\u00e5ende balanse<span class=\"_ _16b\"> </span></span><span style=\"display:inherit;clear:left;\">68 96<span class=\"_ _1\"></span>7<span class=\"_ _b7\"> </span></span><span style=\"display:inherit;clear:left;\">8<span class=\"_ _8\"></span> 542<span class=\"_ _9b\"> </span><span class=\"ls62 wsb6\">6<span class=\"_ _8\"></span>34<span class=\"_ _1b\"> </span></span></span><span style=\"display:inherit;clear:left;\">7<span class=\"_ _1\"></span>8 142</span><span style=\"display:inherit;clear:left;\"><span class=\"_ _a2\"> </span><span class=\"ls82 ws14b\">650<span class=\"_ _93\"> </span><span class=\"ls12a ws1d4\">78<span class=\"_ _8\"></span> 7<span class=\"_ _8\"></span>93</span></span></span><span style=\"display:inherit;clear:left;\">Overf<span class=\"_ _1\"></span>\u00f8rt til 12 mnd ECL (s<span class=\"_ _1\"></span>teg 1)<span class=\"_ _22d\"> </span><span class=\"ls126 ws1d0\">1 583<span class=\"_ _87\"> </span></span>-<span class=\"_ _1\"></span>1 516<span class=\"_ _1b\"> </span></span><span style=\"display:inherit;clear:left;\">-1<span class=\"_ _8\"></span>6<span class=\"_ _b6\"> </span><span class=\"ls82 ws14b\">50<span class=\"_ _25\"> </span>-50<span class=\"_ _43\"> </span></span></span><span style=\"display:inherit;clear:left;\">0</span><span style=\"display:inherit;clear:left;\">Overf<span class=\"_ _1\"></span>\u00f8rt til lev<span class=\"_ _1\"></span>e<span class=\"_ _1\"></span>tid ECL \u2013 ikk<span class=\"_ _1\"></span>e objektiv<span class=\"_ _1\"></span>e bevis p\u00e5 </span><span style=\"display:inherit;clear:left;\">tap (st<span class=\"_ _1\"></span>eg 2)<span class=\"_ _22e\"> </span><span class=\"ls84 wsdf\">-3 36<span class=\"_ _8\"></span>2<span class=\"_ _90\"> </span></span>3 480<span class=\"_ _6f\"> </span>-<span class=\"_ _2\"></span>119<span class=\"_ _43\"> </span>0<span class=\"_ _43\"> </span>0<span class=\"_ _21e\"> </span>0</span><span style=\"display:inherit;clear:left;\">Overf<span class=\"_ _1\"></span>\u00f8rt til lev<span class=\"_ _1\"></span>e<span class=\"_ _1\"></span>tid ECL \u2013 objektiv<span class=\"_ _1\"></span>e be<span class=\"_ _1\"></span>vis p\u00e5 tap </span><span style=\"display:inherit;clear:left;\">(st<span class=\"_ _1\"></span>eg 3) \u2013 Modellberegne<span class=\"_ _1\"></span>t<span class=\"_ _176\"> </span></span><span style=\"display:inherit;clear:left;\">-46<span class=\"_ _94\"> </span></span><span style=\"display:inherit;clear:left;\">-1<span class=\"_ _a\"></span>6<span class=\"_ _8\"></span>9<span class=\"_ _6f\"> </span><span class=\"ls83 wsdd\">225<span class=\"_ _88\"> </span></span></span><span style=\"display:inherit;clear:left;\">10<span class=\"_ _13\"> </span><span class=\"ls6 ws6\">-1<span class=\"_ _a\"></span>0<span class=\"_ _c8\"> </span></span>0</span><span style=\"display:inherit;clear:left;\">Overf<span class=\"_ _1\"></span>\u00f8rt til lev<span class=\"_ _1\"></span>e<span class=\"_ _1\"></span>tid ECL \u2013 objektiv<span class=\"_ _1\"></span>e be<span class=\"_ _1\"></span>vis p\u00e5 tap </span><span style=\"display:inherit;clear:left;\">(st<span class=\"_ _1\"></span>eg 3) \u2013 Individuelt vurdert<span class=\"_ _11f\"> </span></span><span style=\"display:inherit;clear:left;\">-1<span class=\"_ _8\"></span>2<span class=\"_ _11\"> </span><span class=\"ls109 ws16b\">-28<span class=\"_ _1a\"> </span></span>-1<span class=\"_ _8\"></span>8<span class=\"_ _117\"> </span><span class=\"ls31 ws81\">-<span class=\"_ _8\"></span>57<span class=\"_ _116\"> </span>57<span class=\"_ _c8\"> </span></span></span><span style=\"display:inherit;clear:left;\">0</span><span style=\"display:inherit;clear:left;\">Nye ut<span class=\"_ _1\"></span>st<span class=\"_ _1\"></span>edte eller kj\u00f8p<span class=\"_ _1\"></span>te finansielle eiendeler<span class=\"_ _72\"> </span>39 655<span class=\"_ _cd\"> </span>1 490<span class=\"_ _1a\"> </span>84<span class=\"_ _1a\"> </span>4<span class=\"_ _1\"></span>1 229<span class=\"_ _df\"> </span><span class=\"ls125 ws1cf\">120<span class=\"_ _72\"> </span></span>4<span class=\"_ _1\"></span>1 348</span><span style=\"display:inherit;clear:left;\">Finansielle eiendeler som har blitt fr<span class=\"_ _1\"></span>ar<span class=\"_ _1\"></span>egnet  </span><span style=\"display:inherit;clear:left;\">\u2013 eksklusiv<span class=\"_ _1\"></span>e tapsnedskriving<span class=\"_ _202\"> </span>-2<span class=\"_ _1\"></span>8 2<span class=\"_ _1\"></span>44<span class=\"_ _c9\"> </span></span><span style=\"display:inherit;clear:left;\">-3<span class=\"_ _8\"></span> 79<span class=\"_ _8\"></span>9<span class=\"_ _83\"> </span></span><span style=\"display:inherit;clear:left;\">-326<span class=\"_ _108\"> </span></span><span style=\"display:inherit;clear:left;\">-<span class=\"_ _8\"></span>32<span class=\"_ _a\"></span> 370<span class=\"_ _9d\"> </span><span class=\"ls6 ws6\">-1<span class=\"_ _a\"></span>5<span class=\"_ _8\"></span>8<span class=\"_ _6f\"> </span><span class=\"ls109 ws16b\">-<span class=\"_ _8\"></span>32 528</span></span></span><span style=\"display:inherit;clear:left;\">Net<span class=\"_ _1\"></span>to endring p\u00e5 ek<span class=\"_ _1\"></span>sist<span class=\"_ _1\"></span>erende l\u00e5n<span class=\"_ _e1\"> </span></span><span style=\"display:inherit;clear:left;\">2<span class=\"_ _8\"></span> 787<span class=\"_ _1b\"> </span></span><span style=\"display:inherit;clear:left;\">399<span class=\"_ _14\"> </span></span><span style=\"display:inherit;clear:left;\">89<span class=\"_ _91\"> </span><span class=\"ls13 ws13\">3<span class=\"_ _8\"></span> 275<span class=\"_ _88\"> </span></span></span><span style=\"display:inherit;clear:left;\">14<span class=\"_ _3e\"> </span><span class=\"ls109 ws16b\">3<span class=\"_ _8\"></span> 289</span></span><span style=\"display:inherit;clear:left;\">Andre endring<span class=\"_ _1\"></span>er<span class=\"_ _70\"> </span></span><span style=\"display:inherit;clear:left;\">2<span class=\"_ _8\"></span> 241<span class=\"_ _10\"> </span><span class=\"ls10 ws10\">61<span class=\"_ _1a\"> </span></span></span><span style=\"display:inherit;clear:left;\">84<span class=\"_ _21a\"> </span><span class=\"ls139 ws1e6\">2<span class=\"_ _8\"></span> 386<span class=\"_ _43\"> </span></span>0<span class=\"_ _21a\"> </span><span class=\"ls139 ws1e6\">2<span class=\"_ _8\"></span> 386</span></span><span style=\"display:inherit;clear:left;\">Brutto utl\u00e5n pr<span class=\"_ _0\"></span>. 31/12<span class=\"_ _1\"></span>-2<span class=\"_ _1\"></span>022 vur<span class=\"_ _2\"></span>der<span class=\"_ _8\"></span>t til </span><span style=\"display:inherit;clear:left;\">amortisert kos<span class=\"_ _1\"></span>t eller virk<span class=\"_ _1\"></span>elig ver<span class=\"_ _2\"></span>di ov<span class=\"_ _1\"></span>er OCI<span class=\"_ _98\"> </span></span><span style=\"display:inherit;clear:left;\">83<span class=\"_ _8\"></span> 568<span class=\"_ _cb\"> </span></span><span style=\"display:inherit;clear:left;\">8 460<span class=\"_ _65\"> </span><span class=\"ls135 ws1e2\">636<span class=\"_ _94\"> </span></span></span><span style=\"display:inherit;clear:left;\">92 665<span class=\"_ _20e\"> </span><span class=\"ls12c ws1d6\">623<span class=\"_ _74\"> </span></span>93 2<span class=\"_ _1\"></span>88</span><span style=\"display:inherit;clear:left;\">T<span class=\"_ _0\"></span>apsnedskriving utl\u00e5n<span class=\"_ _17d\"> </span></span><span style=\"display:inherit;clear:left;\">-15<span class=\"_ _a\"></span>5<span class=\"_ _86\"> </span><span class=\"ls4a ws9d\">-24<span class=\"_ _8\"></span>6<span class=\"_ _6e\"> </span></span>-1<span class=\"_ _8\"></span>9<span class=\"_ _8\"></span>1<span class=\"_ _4a\"> </span></span><span style=\"display:inherit;clear:left;\">-59<span class=\"_ _8\"></span>2<span class=\"_ _3d\"> </span><span class=\"ls84 wsdf\">-2<span class=\"_ _8\"></span>36<span class=\"_ _3d\"> </span><span class=\"ls109 ws16b\">-<span class=\"_ _8\"></span>828</span></span></span><span style=\"display:inherit;clear:left;\">Net<span class=\"_ _1\"></span>to utl\u00e5n pr<span class=\"_ _0\"></span>. 31/12<span class=\"_ _1\"></span>-2<span class=\"_ _1\"></span>022 vur<span class=\"_ _1\"></span>dert til amortisert </span><span style=\"display:inherit;clear:left;\">kos<span class=\"_ _1\"></span>t eller virkelig v<span class=\"_ _1\"></span>er<span class=\"_ _1\"></span>di o<span class=\"_ _1\"></span>v<span class=\"_ _1\"></span>er OCI<span class=\"_ _1d5\"> </span>83 4<span class=\"_ _2\"></span>14<span class=\"_ _83\"> </span>8 214<span class=\"_ _6b\"> </span></span><span style=\"display:inherit;clear:left;\">446<span class=\"_ _93\"> </span></span><span style=\"display:inherit;clear:left;\">9<span class=\"_ _38\"></span>2<span class=\"_ _a\"></span> 0<span class=\"_ _8\"></span>74<span class=\"_ _e7\"> </span><span class=\"ls132 ws1de\">387<span class=\"_ _94\"> </span><span class=\"lsf6 ws158\">92<span class=\"_ _8\"></span> 460</span></span></span><span style=\"display:inherit;clear:left;\">Utl\u00e5n vur<span class=\"_ _1\"></span>dert til virkelig v<span class=\"_ _1\"></span>er<span class=\"_ _1\"></span>di<span class=\"_ _22f\"> </span><span class=\"ff4 ls6 ws6\">4<span class=\"_ _8\"></span> 7<span class=\"_ _8\"></span>97</span></span><span style=\"display:inherit;clear:left;\">Balansef<span class=\"_ _1\"></span>\u00f8rt<span class=\"_ _1\"></span>e utl\u00e5n pr<span class=\"_ _0\"></span>. 31/12-<span class=\"_ _1\"></span>20<span class=\"_ _1\"></span>22<span class=\"_ _230\"> </span><span class=\"ls61 wsb5\">97<span class=\"_ _8\"></span> 2<span class=\"_ _8\"></span>5<span class=\"_ _8\"></span>8</span></span><span style=\"display:inherit;clear:left;\">No<span class=\"_ _1\"></span>te 13 N<span class=\"_ _1\"></span>edskr<span class=\"_ _8\"></span>ivn<span class=\"_ _8\"></span>ing p\u00e5 u<span class=\"_ _1\"></span>tl\u00e5n, garantie<span class=\"_ _1\"></span>r<span class=\"_ _2\"></span>, ubenyt<span class=\"_ _8\"></span>tede kreditter sam<span class=\"_ _1\"></span>t l\u00e5ne<span class=\"_ _1\"></span>tilsagn</span><span style=\"display:inherit;clear:left;\">T<span class=\"_ _0\"></span>abellen nedenf<span class=\"_ _1\"></span>or forklar<span class=\"_ _1\"></span>er endring i f<span class=\"_ _1\"></span>orv<span class=\"_ _1\"></span>ent<span class=\"_ _1\"></span>e<span class=\"_ _1\"></span>t tap (tapsa<span class=\"_ _1\"></span>vse<span class=\"_ _1\"></span>tning) fr<span class=\"_ _1\"></span>a inng\u00e5ende balanse til utg<span class=\"_ _1\"></span>\u00e5ende balanse. Prinsipper f<span class=\"_ _1\"></span>or </span><span style=\"display:inherit;clear:left;\">klassifikasjon innen s<span class=\"_ _1\"></span>teg og m\u00e5ling a<span class=\"_ _1\"></span>v f<span class=\"_ _1\"></span>orv<span class=\"_ _1\"></span>ent<span class=\"_ _1\"></span>e<span class=\"_ _1\"></span>t tap fr<span class=\"_ _1\"></span>emkommer a<span class=\"_ _1\"></span>v no<span class=\"_ _1\"></span>te 11. </span><span style=\"display:inherit;clear:left;\">Kons<span class=\"_ _1\"></span>ta<span class=\"_ _1\"></span>tering a<span class=\"_ _2\"></span>v tapsnedskrivning (bokf\u00f8ring mot k<span class=\"_ _1\"></span>undens engasjemen<span class=\"_ _1\"></span>t) skal f<span class=\"_ _1\"></span>or<span class=\"_ _1\"></span>etas n\u00e5r alle sikk<span class=\"_ _1\"></span>erhe<span class=\"_ _1\"></span>ter er r<span class=\"_ _1\"></span>ealisert og det er </span><span style=\"display:inherit;clear:left;\">utvilsomt a<span class=\"_ _2\"></span>t banken ikke f<span class=\"_ _1\"></span>\u00e5r \ufb02er<span class=\"_ _1\"></span>e innbetaling<span class=\"_ _1\"></span>er p\u00e5 engasjemen<span class=\"_ _1\"></span>te<span class=\"_ _1\"></span>t. Kr<span class=\"_ _1\"></span>a<span class=\"_ _1\"></span>v<span class=\"_ _1\"></span>et mo<span class=\"_ _1\"></span>t kunden bes<span class=\"_ _1\"></span>t\u00e5r og skal f<span class=\"_ _1\"></span>\u00f8lges opp<span class=\"_ _1\"></span>, med mindr<span class=\"_ _1\"></span>e de<span class=\"_ _1\"></span>t er </span><span style=\"display:inherit;clear:left;\">inng\u00e5<span class=\"_ _1\"></span>tt a<span class=\"_ _2\"></span>vtale om etter<span class=\"_ _1\"></span>giv<span class=\"_ _1\"></span>else med kunden.</span><span style=\"display:inherit;clear:left;\">Nedskrivning p\u00e5 gar<span class=\"_ _1\"></span>antier<span class=\"_ _0\"></span>, ubenyt<span class=\"_ _1\"></span>tede kr<span class=\"_ _1\"></span>edit<span class=\"_ _1\"></span>ter og l\u00e5ne<span class=\"_ _1\"></span>tilsagn om<span class=\"_ _1\"></span>fa<span class=\"_ _2\"></span>tter o<span class=\"_ _1\"></span>ff<span class=\"_ _1\"></span>-balance post<span class=\"_ _1\"></span>er og f<span class=\"_ _1\"></span>\u00f8r<span class=\"_ _1\"></span>es som gjeldsf<span class=\"_ _1\"></span>orplikt<span class=\"_ _1\"></span>else i </span><span style=\"display:inherit;clear:left;\">regnsk<span class=\"_ _1\"></span>apet.</span><span style=\"display:inherit;clear:left;\">K<span class=\"_ _1\"></span>ONSERN</span><span style=\"display:inherit;clear:left;\"> Sum modell- </span><span style=\"display:inherit;clear:left;\">Individuelt </span><span style=\"display:inherit;clear:left;\">Periodens be<span class=\"_ _1\"></span>v<span class=\"_ _1\"></span>eg<span class=\"_ _1\"></span>else p\u00e5 nedskrivning e<span class=\"_ _1\"></span>tter </span><span style=\"display:inherit;clear:left;\">Modellber<span class=\"_ _1\"></span>egnet</span><span style=\"display:inherit;clear:left;\">ber<span class=\"_ _1\"></span>egnet tap</span><span style=\"display:inherit;clear:left;\">vur<span class=\"_ _1\"></span>dert<span class=\"_ _a2\"> </span><span class=\"ls140 ws1ee\">To<span class=\"_ _a\"></span>t<span class=\"_ _38\"></span>a<span class=\"_ _a\"></span>l</span></span><span style=\"display:inherit;clear:left;\">IFRS 9 p\u00e5 utl\u00e5n, gar<span class=\"_ _1\"></span>antier<span class=\"_ _0\"></span>, ubenytt<span class=\"_ _1\"></span>ede kr<span class=\"_ _1\"></span>edit<span class=\"_ _1\"></span>-</span><span style=\"display:inherit;clear:left;\">ter og l\u00e5ne<span class=\"_ _1\"></span>tilsagn</span><span style=\"display:inherit;clear:left;\">Steg<span class=\"_ _8\"></span> 1<span class=\"_ _cc\"> </span>Ste<span class=\"_ _8\"></span>g 2<span class=\"_ _a3\"> </span>Ste<span class=\"_ _8\"></span>g 3<span class=\"_ _1e5\"> </span>Ste<span class=\"_ _8\"></span>g 3</span><span style=\"display:inherit;clear:left;\">T<span class=\"_ _0\"></span>apsavse<span class=\"_ _1\"></span>tning inng\u00e5<span class=\"_ _1\"></span>ende balanse<span class=\"_ _16a\"> </span></span><span style=\"display:inherit;clear:left;\">199<span class=\"_ _5d\"> </span></span><span style=\"display:inherit;clear:left;\">336<span class=\"_ _189\"> </span></span><span style=\"display:inherit;clear:left;\">20<span class=\"_ _8\"></span>5<span class=\"_ _15\"> </span></span><span style=\"display:inherit;clear:left;\">739<span class=\"_ _118\"> </span><span class=\"ls61 wsb5\">237<span class=\"_ _118\"> </span>976</span></span><span style=\"display:inherit;clear:left;\">Overf<span class=\"_ _1\"></span>\u00f8rt til 12 mnd ECL (s<span class=\"_ _1\"></span>teg 1)<span class=\"_ _194\"> </span></span><span style=\"display:inherit;clear:left;\">92<span class=\"_ _14\"> </span></span><span style=\"display:inherit;clear:left;\">-83<span class=\"_ _78\"> </span><span class=\"ls82 ws14b\">-9<span class=\"_ _43\"> </span></span></span><span style=\"display:inherit;clear:left;\">0<span class=\"_ _43\"> </span>0<span class=\"_ _21e\"> </span>0</span><span style=\"display:inherit;clear:left;\">Overf<span class=\"_ _1\"></span>\u00f8rt til lev<span class=\"_ _1\"></span>e<span class=\"_ _1\"></span>tid ECL \u2013 ikk<span class=\"_ _1\"></span>e objektiv<span class=\"_ _1\"></span>e bevis p\u00e5 </span><span style=\"display:inherit;clear:left;\">tap (st<span class=\"_ _1\"></span>eg 2)<span class=\"_ _231\"> </span></span><span style=\"display:inherit;clear:left;\">-21<span class=\"_ _8d\"> </span><span class=\"ls120 ws1cb\">34<span class=\"_ _78\"> </span></span></span><span style=\"display:inherit;clear:left;\">-6<span class=\"_ _10d\"> </span>7<span class=\"_ _110\"> </span><span class=\"ls134 ws1e1\">-7<span class=\"_ _10d\"> </span></span>0</span><span style=\"display:inherit;clear:left;\">Overf<span class=\"_ _1\"></span>\u00f8rt til lev<span class=\"_ _1\"></span>e<span class=\"_ _1\"></span>tid ECL \u2013 objektiv<span class=\"_ _1\"></span>e be<span class=\"_ _1\"></span>vis p\u00e5 tap </span><span style=\"display:inherit;clear:left;\">(st<span class=\"_ _1\"></span>eg 3) \u2013 Modellberegne<span class=\"_ _1\"></span>t<span class=\"_ _232\"> </span></span><span style=\"display:inherit;clear:left;\">-1<span class=\"_ _98\"> </span></span><span style=\"display:inherit;clear:left;\">-26<span class=\"_ _14\"> </span><span class=\"ls12c ws1d6\">30<span class=\"_ _c8\"> </span></span></span><span style=\"display:inherit;clear:left;\">3<span class=\"_ _6a\"> </span><span class=\"ls84 wsdf\">-3<span class=\"_ _21e\"> </span></span>0</span><span style=\"display:inherit;clear:left;\">Overf<span class=\"_ _1\"></span>\u00f8rt til lev<span class=\"_ _1\"></span>e<span class=\"_ _1\"></span>tid ECL \u2013 objektiv<span class=\"_ _1\"></span>e be<span class=\"_ _1\"></span>vis p\u00e5 tap </span><span style=\"display:inherit;clear:left;\">(st<span class=\"_ _1\"></span>eg 3) \u2013 Individuelt vurdert<span class=\"_ _233\"> </span>0<span class=\"_ _78\"> </span></span><span style=\"display:inherit;clear:left;\">-1<span class=\"_ _a\"></span>2<span class=\"_ _16\"> </span></span><span style=\"display:inherit;clear:left;\">-9<span class=\"_ _10c\"> </span><span class=\"ls84 wsdf\">-2<span class=\"_ _8\"></span>1<span class=\"_ _84\"> </span></span></span><span style=\"display:inherit;clear:left;\">21<span class=\"_ _43\"> </span>0</span><span style=\"display:inherit;clear:left;\">Net<span class=\"_ _1\"></span>to n<span class=\"_ _1\"></span>y m\u00e5ling a<span class=\"_ _1\"></span>v tap<span class=\"_ _14c\"> </span><span class=\"ls6 ws6\">-12<span class=\"_ _10\"> </span></span>19<span class=\"_ _98\"> </span></span><span style=\"display:inherit;clear:left;\">72<span class=\"_ _b6\"> </span></span><span style=\"display:inherit;clear:left;\">80<span class=\"_ _13\"> </span><span class=\"ls126 ws1d0\">191<span class=\"_ _9c\"> </span><span class=\"ls4a ws9d\">270</span></span></span><span style=\"display:inherit;clear:left;\">Nye ut<span class=\"_ _1\"></span>st<span class=\"_ _1\"></span>edte eller kj\u00f8p<span class=\"_ _1\"></span>te finansielle eiendeler<span class=\"_ _117\"> </span></span><span style=\"display:inherit;clear:left;\">1<span class=\"_ _8\"></span>58<span class=\"_ _21a\"> </span><span class=\"ls31 ws81\">59<span class=\"_ _8d\"> </span></span>31<span class=\"_ _20e\"> </span><span class=\"ls4a ws9d\">24<span class=\"_ _8\"></span>8<span class=\"_ _84\"> </span></span></span><span style=\"display:inherit;clear:left;\">19<span class=\"_ _15\"> </span><span class=\"ls125 ws1cf\">266</span></span><span style=\"display:inherit;clear:left;\">Finansielle eiendeler som har blitt fr<span class=\"_ _1\"></span>ar<span class=\"_ _1\"></span>egnet<span class=\"_ _b1\"> </span><span class=\"ls82 ws14b\">-96<span class=\"_ _18\"> </span><span class=\"ls134 ws1e1\">-7<span class=\"_ _8\"></span>9<span class=\"_ _5d\"> </span><span class=\"ls31 ws81\">-<span class=\"_ _8\"></span>59<span class=\"_ _96\"> </span><span class=\"ls84 wsdf\">-234<span class=\"_ _95\"> </span><span class=\"ls138 ws1e5\">-<span class=\"_ _8\"></span>252<span class=\"_ _66\"> </span></span></span></span></span>-486</span></span><span style=\"display:inherit;clear:left;\">V<span class=\"_ _2\"></span>aluta og andre bev<span class=\"_ _1\"></span>eg<span class=\"_ _1\"></span>elser<span class=\"_ _1ce\"> </span>0<span class=\"_ _4a\"> </span>0<span class=\"_ _8b\"> </span>0<span class=\"_ _43\"> </span>0<span class=\"_ _69\"> </span>1<span class=\"_ _67\"> </span>1</span><span style=\"display:inherit;clear:left;\">T<span class=\"_ _2\"></span>apsa<span class=\"_ _1\"></span>v<span class=\"_ _1\"></span>setning pr<span class=\"_ _0\"></span>. 31/12<span class=\"_ _1\"></span>-2<span class=\"_ _1\"></span>02<span class=\"_ _1\"></span>3<span class=\"_ _218\"> </span></span><span style=\"display:inherit;clear:left;\">319<span class=\"_ _93\"> </span></span><span style=\"display:inherit;clear:left;\">2<span class=\"_ _8\"></span>47<span class=\"_ _86\"> </span></span><span style=\"display:inherit;clear:left;\">255<span class=\"_ _df\"> </span></span><span style=\"display:inherit;clear:left;\">82<span class=\"_ _8\"></span>1<span class=\"_ _9d\"> </span><span class=\"lsf6 ws158\">206<span class=\"_ _91\"> </span>1 026</span></span><span style=\"display:inherit;clear:left;\">A<span class=\"_ _1\"></span>vse<span class=\"_ _1\"></span>tning p\u00e5 utl\u00e5n<span class=\"_ _f8\"> </span></span><span style=\"display:inherit;clear:left;\">244<span class=\"_ _93\"> </span><span class=\"ls125 ws1cf\">208<span class=\"_ _65\"> </span>2<span class=\"_ _8\"></span>20<span class=\"_ _118\"> </span><span class=\"ls137 ws1e4\">672<span class=\"_ _15\"> </span></span>205<span class=\"_ _118\"> </span><span class=\"ls132 ws1de\">87<span class=\"_ _8\"></span>8</span></span></span><span style=\"display:inherit;clear:left;\">A<span class=\"_ _1\"></span>vse<span class=\"_ _1\"></span>tning p\u00e5 gar<span class=\"_ _1\"></span>an<span class=\"_ _1\"></span>tier<span class=\"_ _0\"></span>, ubenytte<span class=\"_ _1\"></span>t kr<span class=\"_ _1\"></span>editt sam<span class=\"_ _1\"></span>t </span><span style=\"display:inherit;clear:left;\">l\u00e5netilsagn<span class=\"_ _136\"> </span></span><span style=\"display:inherit;clear:left;\">75<span class=\"_ _3e\"> </span></span><span style=\"display:inherit;clear:left;\">39<span class=\"_ _14\"> </span><span class=\"ls9 ws9\">35<span class=\"_ _df\"> </span></span></span><span style=\"display:inherit;clear:left;\">148<span class=\"_ _21e\"> </span>0<span class=\"_ _df\"> </span><span class=\"ls13d ws1eb\">1<span class=\"_ _8\"></span>49</span></span><span style=\"display:inherit;clear:left;\">Sum tapsa<span class=\"_ _1\"></span>v<span class=\"_ _1\"></span>setning<span class=\"_ _21c\"> </span></span><span style=\"display:inherit;clear:left;\">319<span class=\"_ _5d\"> </span></span><span style=\"display:inherit;clear:left;\">2<span class=\"_ _8\"></span>47<span class=\"_ _6f\"> </span></span><span style=\"display:inherit;clear:left;\">255<span class=\"_ _df\"> </span></span><span style=\"display:inherit;clear:left;\">82<span class=\"_ _8\"></span>1<span class=\"_ _226\"> </span><span class=\"lsf6 ws158\">20<span class=\"_ _8\"></span>6<span class=\"_ _75\"> </span>1<span class=\"_ _8\"></span> 026</span></span><span style=\"display:inherit;clear:left;\">Periodens tapsk<span class=\"_ _1\"></span>os<span class=\"_ _1\"></span>tnad:</span><span style=\"display:inherit;clear:left;\">Periodens endring<span class=\"_ _1\"></span>er individuelle nedskrivning<span class=\"_ _1\"></span>er<span class=\"_ _234\"> </span><span class=\"ls84 wsdf\">-31</span></span><span style=\"display:inherit;clear:left;\">V<span class=\"_ _2\"></span>aluta og andre bev<span class=\"_ _1\"></span>eg<span class=\"_ _1\"></span>elser<span class=\"_ _235\"> </span>1</span><span style=\"display:inherit;clear:left;\">Kons<span class=\"_ _1\"></span>ta<span class=\"_ _1\"></span>tert tap i perioden med tidlig<span class=\"_ _1\"></span>er<span class=\"_ _1\"></span>e individuell nedskrivning<span class=\"_ _1c9\"> </span>18</span><span style=\"display:inherit;clear:left;\">Kons<span class=\"_ _1\"></span>ta<span class=\"_ _1\"></span>tert tap i perioden ut<span class=\"_ _1\"></span>en tidliger<span class=\"_ _1\"></span>e individuell nedskrivning<span class=\"_ _1ba\"> </span><span class=\"ls12c ws1d6\">36</span></span><span style=\"display:inherit;clear:left;\">Inngang p\u00e5 tidliger<span class=\"_ _1\"></span>e k<span class=\"_ _1\"></span>onsta<span class=\"_ _2\"></span>terte nedskrivninger<span class=\"_ _236\"> </span><span class=\"ls6 ws6\">-1<span class=\"_ _8\"></span>1</span></span><span style=\"display:inherit;clear:left;\">Net<span class=\"_ _1\"></span>to r<span class=\"_ _1\"></span>esulta<span class=\"_ _1\"></span>t<span class=\"_ _1\"></span>ef<span class=\"_ _1\"></span>f<span class=\"_ _1\"></span>ekt individuelle nedskrivninger<span class=\"_ _237\"> </span>13</span><span style=\"display:inherit;clear:left;\">Periodens endring i modellber<span class=\"_ _1\"></span>egne<span class=\"_ _1\"></span>t tap (s<span class=\"_ _1\"></span>teg 1-<span class=\"_ _1\"></span>3)<span class=\"_ _238\"> </span><span class=\"ls138 ws1e5\">82</span></span><span style=\"display:inherit;clear:left;\">Periodens tapsk<span class=\"_ _1\"></span>os<span class=\"_ _1\"></span>tnad<span class=\"_ _239\"> </span><span class=\"ls108 ws16a\">95</span></span><span style=\"display:inherit;clear:left;\">Brutt<span class=\"_ _1\"></span>o utl\u00e5n vurdert til amortisert kos<span class=\"_ _1\"></span>t pr<span class=\"_ _0\"></span>. </span><span style=\"display:inherit;clear:left;\">31/12<span class=\"_ _1\"></span>-<span class=\"_ _1\"></span>20<span class=\"_ _1\"></span>23<span class=\"_ _20a\"> </span>22<span class=\"_ _1\"></span>0 50<span class=\"_ _1\"></span>3<span class=\"_ _db\"> </span>14 636<span class=\"_ _107\"> </span></span><span style=\"display:inherit;clear:left;\">940<span class=\"_ _107\"> </span></span><span style=\"display:inherit;clear:left;\">2<span class=\"_ _8\"></span>3<span class=\"_ _8\"></span>6<span class=\"_ _8\"></span> 07<span class=\"_ _8\"></span>9<span class=\"_ _9d\"> </span><span class=\"ls13d ws1eb\">494<span class=\"_ _9b\"> </span><span class=\"ls137 ws1e4\">2<span class=\"_ _8\"></span>3<span class=\"_ _8\"></span>6<span class=\"_ _8\"></span> 572</span></span></span><span style=\"display:inherit;clear:left;\">T<span class=\"_ _0\"></span>apsnedskriving<span class=\"_ _da\"> </span></span><span style=\"display:inherit;clear:left;\">-24<span class=\"_ _8\"></span>4<span class=\"_ _86\"> </span><span class=\"ls125 ws1cf\">-208<span class=\"_ _87\"> </span>-2<span class=\"_ _8\"></span>20<span class=\"_ _4a\"> </span><span class=\"ls137 ws1e4\">-<span class=\"_ _8\"></span>672<span class=\"_ _3d\"> </span></span>-205<span class=\"_ _a1\"> </span><span class=\"ls132 ws1de\">-<span class=\"_ _8\"></span>878</span></span></span><span style=\"display:inherit;clear:left;\">Net<span class=\"_ _1\"></span>to utl\u00e5n vur<span class=\"_ _1\"></span>dert til amortisert kos<span class=\"_ _1\"></span>t i </span><span style=\"display:inherit;clear:left;\">balansen<span class=\"_ _23a\"> </span>220 2<span class=\"_ _1\"></span>5<span class=\"_ _1\"></span>9<span class=\"_ _c7\"> </span>14 428<span class=\"_ _86\"> </span></span><span style=\"display:inherit;clear:left;\">720<span class=\"_ _85\"> </span></span><span style=\"display:inherit;clear:left;\">2<span class=\"_ _8\"></span>3<span class=\"_ _8\"></span>5<span class=\"_ _a\"></span> 4<span class=\"_ _8\"></span>07<span class=\"_ _9c\"> </span><span class=\"ls109 ws16b\">28<span class=\"_ _8\"></span>8<span class=\"_ _85\"> </span><span class=\"ls138 ws1e5\">23<span class=\"_ _8\"></span>5<span class=\"_ _8\"></span> 695</span></span></span><span style=\"display:inherit;clear:left;\">Utl\u00e5n vurdert til virk<span class=\"_ _1\"></span>elig v<span class=\"_ _1\"></span>erdi o<span class=\"_ _1\"></span>v<span class=\"_ _1\"></span>er r<span class=\"_ _1\"></span>esulta<span class=\"_ _1\"></span>t<span class=\"_ _237\"> </span><span class=\"ls6 ws6\">2<span class=\"_ _8\"></span>0<span class=\"_ _8\"></span> 072</span></span><span style=\"display:inherit;clear:left;\">Balansef<span class=\"_ _1\"></span>\u00f8rt<span class=\"_ _1\"></span>e utl\u00e5n pr<span class=\"_ _0\"></span>. 31/12-<span class=\"_ _1\"></span>20<span class=\"_ _1\"></span>23<span class=\"_ _186\"> </span><span class=\"ls4a ws9d\">25<span class=\"_ _8\"></span>5<span class=\"_ _8\"></span> 767</span></span><span style=\"display:inherit;clear:left;\">Sensitivite<span class=\"_ _1\"></span>t i modell-ber<span class=\"_ _1\"></span>egnede nedskriving<span class=\"_ _1\"></span>er:<span class=\"_ _142\"> </span>BM<span class=\"_ _117\"> </span>PM<span class=\"_ _78\"> </span>T<span class=\"_ _0\"></span>otalt</span><span style=\"display:inherit;clear:left;\">Endring i forv<span class=\"_ _1\"></span>en<span class=\"_ _1\"></span>te<span class=\"_ _1\"></span>t tap v<span class=\"_ _1\"></span>ed 100 % v<span class=\"_ _1\"></span>ekting a<span class=\"_ _1\"></span>v nega<span class=\"_ _1\"></span>tivt scenario<span class=\"_ _23b\"> </span>713<span class=\"_ _15\"> </span><span class=\"ls31 ws81\">3<span class=\"_ _8\"></span>57<span class=\"_ _3d\"> </span></span>1 0<span class=\"_ _1\"></span>71</span><span style=\"display:inherit;clear:left;\">Endring i forv<span class=\"_ _1\"></span>en<span class=\"_ _1\"></span>te<span class=\"_ _1\"></span>t tap v<span class=\"_ _1\"></span>ed 100 % v<span class=\"_ _1\"></span>ekting a<span class=\"_ _1\"></span>v positivt scenario<span class=\"_ _17d\"> </span></span><span style=\"display:inherit;clear:left;\">-356<span class=\"_ _226\"> </span><span class=\"ls6 ws6\">-1<span class=\"_ _8\"></span>24<span class=\"_ _66\"> </span><span class=\"ls82 ws14b\">-4<span class=\"_ _8\"></span>80</span></span></span><span style=\"display:inherit;clear:left;\">Endring i forv<span class=\"_ _1\"></span>en<span class=\"_ _1\"></span>te<span class=\"_ _1\"></span>t tap v<span class=\"_ _1\"></span>ed str<span class=\"_ _1\"></span>es<span class=\"_ _1\"></span>s (R\u00e5<span class=\"_ _1\"></span>-PD-er </span><span style=\"display:inherit;clear:left;\">\u00f8ker med 2<span class=\"_ _1\"></span>0 % og sikkerhe<span class=\"_ _1\"></span>t<span class=\"_ _1\"></span>er f<span class=\"_ _1\"></span>aller med 20 %)<span class=\"_ _153\"> </span><span class=\"ls140 ws1ee\">1<span class=\"_ _38\"></span>74<span class=\"_ _b6\"> </span></span>48<span class=\"_ _97\"> </span>222</span><span style=\"display:inherit;clear:left;\">Endring i forv<span class=\"_ _1\"></span>en<span class=\"_ _1\"></span>te<span class=\"_ _1\"></span>t tap dersom L<span class=\"_ _2\"></span>GD reduser<span class=\"_ _1\"></span>es med 10 %<span class=\"_ _148\"> </span></span><span style=\"display:inherit;clear:left;\">-85<span class=\"_ _e7\"> </span><span class=\"ls125 ws1cf\">-20<span class=\"_ _a2\"> </span><span class=\"ls6 ws6\">-1<span class=\"_ _8\"></span>0<span class=\"_ _8\"></span>5</span></span></span><span style=\"display:inherit;clear:left;\">Endring i forv<span class=\"_ _1\"></span>en<span class=\"_ _1\"></span>te<span class=\"_ _1\"></span>t tap dersom L<span class=\"_ _2\"></span>GD \u00f8ker med 10 %<span class=\"_ _143\"> </span></span><span style=\"display:inherit;clear:left;\">85<span class=\"_ _20d\"> </span><span class=\"ls125 ws1cf\">20<span class=\"_ _25\"> </span><span class=\"ls133 ws1e0\">105</span></span></span><span style=\"display:inherit;clear:left;\">Utl\u00e5n som er kons<span class=\"_ _1\"></span>ta<span class=\"_ _1\"></span>tert tap<span class=\"_ _1\"></span>t, men som fortsa<span class=\"_ _2\"></span>tt er gjenstand f<span class=\"_ _1\"></span>or oppf<span class=\"_ _1\"></span>\u00f8lging utgj\u00f8r to<span class=\"_ _1\"></span>talt  143 millioner kr<span class=\"_ _1\"></span>oner per 31. desember 2<span class=\"_ _1\"></span>0<span class=\"_ _1\"></span>23 </span><span style=\"display:inherit;clear:left;\">og  139 millioner kr<span class=\"_ _1\"></span>oner per 3<span class=\"_ _1\"></span>1. desember 20<span class=\"_ _1\"></span>22.</span><span style=\"display:inherit;clear:left;\">MORBANK</span><span style=\"display:inherit;clear:left;\"> Sum modell- </span><span style=\"display:inherit;clear:left;\">Individuelt </span><span style=\"display:inherit;clear:left;\">Periodens be<span class=\"_ _1\"></span>v<span class=\"_ _1\"></span>eg<span class=\"_ _1\"></span>else p\u00e5 nedskrivning e<span class=\"_ _1\"></span>tter </span><span style=\"display:inherit;clear:left;\">Modellber<span class=\"_ _1\"></span>egnet</span><span style=\"display:inherit;clear:left;\">ber<span class=\"_ _1\"></span>egnet tap</span><span style=\"display:inherit;clear:left;\">vur<span class=\"_ _1\"></span>dert<span class=\"_ _a2\"> </span><span class=\"ls140 ws1ee\">To<span class=\"_ _a\"></span>t<span class=\"_ _38\"></span>a<span class=\"_ _a\"></span>l</span></span><span style=\"display:inherit;clear:left;\">IFRS9 p\u00e5 utl\u00e5n, gar<span class=\"_ _1\"></span>an<span class=\"_ _1\"></span>tier<span class=\"_ _2\"></span>, uben<span class=\"_ _1\"></span>ytte<span class=\"_ _1\"></span>de kr<span class=\"_ _1\"></span>editt<span class=\"_ _1\"></span>er </span><span style=\"display:inherit;clear:left;\">og l\u00e5netilsagn</span><span style=\"display:inherit;clear:left;\">Steg<span class=\"_ _8\"></span> 1<span class=\"_ _cc\"> </span>Ste<span class=\"_ _8\"></span>g 2<span class=\"_ _a3\"> </span>Ste<span class=\"_ _8\"></span>g 3<span class=\"_ _1e5\"> </span>Ste<span class=\"_ _8\"></span>g 3</span><span style=\"display:inherit;clear:left;\">T<span class=\"_ _0\"></span>apsavse<span class=\"_ _1\"></span>tning inng\u00e5<span class=\"_ _1\"></span>ende balanse<span class=\"_ _129\"> </span></span><span style=\"display:inherit;clear:left;\">190<span class=\"_ _74\"> </span></span><span style=\"display:inherit;clear:left;\">303<span class=\"_ _93\"> </span></span><span style=\"display:inherit;clear:left;\">194<span class=\"_ _15\"> </span></span><span style=\"display:inherit;clear:left;\">6<span class=\"_ _8\"></span>87<span class=\"_ _9c\"> </span><span class=\"ls61 wsb5\">2<span class=\"_ _8\"></span>37<span class=\"_ _15\"> </span><span class=\"ls12c ws1d6\">923</span></span></span><span style=\"display:inherit;clear:left;\">Overf<span class=\"_ _1\"></span>\u00f8rt til 12 mnd ECL (s<span class=\"_ _1\"></span>teg 1)<span class=\"_ _23c\"> </span><span class=\"ls82 ws14b\">81<span class=\"_ _18\"> </span><span class=\"ls134 ws1e1\">-7<span class=\"_ _a\"></span>2<span class=\"_ _92\"> </span></span>-9<span class=\"_ _43\"> </span></span>0<span class=\"_ _21e\"> </span>0<span class=\"_ _43\"> </span>0</span><span style=\"display:inherit;clear:left;\">Overf<span class=\"_ _1\"></span>\u00f8rt til lev<span class=\"_ _1\"></span>e<span class=\"_ _1\"></span>tid ECL \u2013 ikk<span class=\"_ _1\"></span>e objektiv<span class=\"_ _1\"></span>e bevis p\u00e5 </span><span style=\"display:inherit;clear:left;\">tap (st<span class=\"_ _1\"></span>eg 2)<span class=\"_ _23d\"> </span></span><span style=\"display:inherit;clear:left;\">-20<span class=\"_ _75\"> </span>32<span class=\"_ _9a\"> </span><span class=\"ls120 ws1cb\">-5<span class=\"_ _10d\"> </span></span></span><span style=\"display:inherit;clear:left;\">7<span class=\"_ _110\"> </span><span class=\"ls134 ws1e1\">-7<span class=\"_ _10d\"> </span></span>0</span><span style=\"display:inherit;clear:left;\">Overf<span class=\"_ _1\"></span>\u00f8rt til lev<span class=\"_ _1\"></span>e<span class=\"_ _1\"></span>tid ECL \u2013 objektiv<span class=\"_ _1\"></span>e be<span class=\"_ _1\"></span>vis p\u00e5 tap </span><span style=\"display:inherit;clear:left;\">(st<span class=\"_ _1\"></span>eg 3) \u2013 Modellberegne<span class=\"_ _1\"></span>t<span class=\"_ _210\"> </span>0<span class=\"_ _14\"> </span></span><span style=\"display:inherit;clear:left;\">-25<span class=\"_ _21a\"> </span><span class=\"ls125 ws1cf\">29<span class=\"_ _10d\"> </span></span></span><span style=\"display:inherit;clear:left;\">3<span class=\"_ _6a\"> </span><span class=\"ls84 wsdf\">-3<span class=\"_ _21e\"> </span></span>0</span><span style=\"display:inherit;clear:left;\">Overf<span class=\"_ _1\"></span>\u00f8rt til lev<span class=\"_ _1\"></span>e<span class=\"_ _1\"></span>tid ECL \u2013 objektiv<span class=\"_ _1\"></span>e be<span class=\"_ _1\"></span>vis p\u00e5 tap </span><span style=\"display:inherit;clear:left;\">(st<span class=\"_ _1\"></span>eg 3) \u2013 Individuelt vurdert<span class=\"_ _127\"> </span>0<span class=\"_ _16\"> </span><span class=\"ls6 ws6\">-1<span class=\"_ _8\"></span>2<span class=\"_ _10\"> </span></span>-8<span class=\"_ _10c\"> </span><span class=\"ls84 wsdf\">-21<span class=\"_ _6a\"> </span></span>21<span class=\"_ _21e\"> </span>0</span><span style=\"display:inherit;clear:left;\">Net<span class=\"_ _1\"></span>to n<span class=\"_ _1\"></span>y m\u00e5ling a<span class=\"_ _1\"></span>v tap<span class=\"_ _23e\"> </span><span class=\"ls6 ws6\">-1<span class=\"_ _8\"></span>8<span class=\"_ _10\"> </span></span>-6<span class=\"_ _3e\"> </span></span><span style=\"display:inherit;clear:left;\">47<span class=\"_ _49\"> </span></span><span style=\"display:inherit;clear:left;\">23<span class=\"_ _13\"> </span><span class=\"ls126 ws1d0\">191<span class=\"_ _df\"> </span></span></span><span style=\"display:inherit;clear:left;\">214</span><span style=\"display:inherit;clear:left;\">Nye ut<span class=\"_ _1\"></span>st<span class=\"_ _1\"></span>edte eller kj\u00f8p<span class=\"_ _1\"></span>te finansielle eiendeler<span class=\"_ _20e\"> </span></span><span style=\"display:inherit;clear:left;\">1<span class=\"_ _8\"></span>49<span class=\"_ _75\"> </span></span><span style=\"display:inherit;clear:left;\">57<span class=\"_ _3e\"> </span></span><span style=\"display:inherit;clear:left;\">38<span class=\"_ _9d\"> </span><span class=\"ls4a ws9d\">24<span class=\"_ _8\"></span>4<span class=\"_ _23f\"> </span></span></span><span style=\"display:inherit;clear:left;\">19<span class=\"_ _15\"> </span><span class=\"ls125 ws1cf\">263</span></span><span style=\"display:inherit;clear:left;\">Finansielle eiendeler som har blitt fr<span class=\"_ _1\"></span>ar<span class=\"_ _1\"></span>egnet<span class=\"_ _b6\"> </span></span><span style=\"display:inherit;clear:left;\">-94<span class=\"_ _11\"> </span></span><span style=\"display:inherit;clear:left;\">-7<span class=\"_ _8\"></span>0<span class=\"_ _11\"> </span><span class=\"ls120 ws1cb\">-53<span class=\"_ _a2\"> </span></span></span><span style=\"display:inherit;clear:left;\">-218</span><span style=\"display:inherit;clear:left;\"><span class=\"_ _3d\"> </span><span class=\"ls138 ws1e5\">-<span class=\"_ _8\"></span>252<span class=\"_ _3d\"> </span><span class=\"ls13e ws1ec\">-<span class=\"_ _8\"></span>47<span class=\"_ _8\"></span>0</span></span></span><span style=\"display:inherit;clear:left;\">V<span class=\"_ _2\"></span>aluta og andre bev<span class=\"_ _1\"></span>eg<span class=\"_ _1\"></span>elser<span class=\"_ _176\"> </span>0<span class=\"_ _4a\"> </span>0<span class=\"_ _4a\"> </span>0<span class=\"_ _43\"> </span>0<span class=\"_ _69\"> </span>1<span class=\"_ _67\"> </span>1</span><span style=\"display:inherit;clear:left;\">T<span class=\"_ _2\"></span>apsa<span class=\"_ _1\"></span>v<span class=\"_ _1\"></span>setning pr<span class=\"_ _0\"></span>. 31/12<span class=\"_ _1\"></span>-2<span class=\"_ _1\"></span>02<span class=\"_ _1\"></span>3<span class=\"_ _240\"> </span></span><span style=\"display:inherit;clear:left;\">287<span class=\"_ _5d\"> </span><span class=\"lsf6 ws158\">205<span class=\"_ _5d\"> </span><span class=\"ls133 ws1e0\">233<span class=\"_ _15\"> </span><span class=\"ls14f ws200\">72<span class=\"_ _8\"></span>5<span class=\"_ _9d\"> </span></span></span>20<span class=\"_ _8\"></span>6<span class=\"_ _9d\"> </span><span class=\"ls135 ws1e2\">930</span></span></span><span style=\"display:inherit;clear:left;\">A<span class=\"_ _1\"></span>vse<span class=\"_ _1\"></span>tning p\u00e5 utl\u00e5n<span class=\"_ _195\"> </span>214<span class=\"_ _12\"> </span></span><span style=\"display:inherit;clear:left;\">1<span class=\"_ _8\"></span>67<span class=\"_ _12\"> </span></span><span style=\"display:inherit;clear:left;\">1<span class=\"_ _8\"></span>98<span class=\"_ _9c\"> </span></span><span style=\"display:inherit;clear:left;\">579<span class=\"_ _15\"> </span><span class=\"ls125 ws1cf\">205<span class=\"_ _15\"> </span><span class=\"ls61 wsb5\">78<span class=\"_ _8\"></span>4</span></span></span><span style=\"display:inherit;clear:left;\">A<span class=\"_ _1\"></span>vse<span class=\"_ _1\"></span>tning p\u00e5 gar<span class=\"_ _1\"></span>an<span class=\"_ _1\"></span>tier<span class=\"_ _0\"></span>, ubenytte<span class=\"_ _1\"></span>t kr<span class=\"_ _1\"></span>editt sam<span class=\"_ _1\"></span>t </span><span style=\"display:inherit;clear:left;\">l\u00e5netilsagn<span class=\"_ _33\"> </span></span><span style=\"display:inherit;clear:left;\">73<span class=\"_ _75\"> </span></span><span style=\"display:inherit;clear:left;\">38<span class=\"_ _3e\"> </span></span><span style=\"display:inherit;clear:left;\">35<span class=\"_ _118\"> </span><span class=\"ls133 ws1e0\">1<span class=\"_ _8\"></span>46<span class=\"_ _21e\"> </span></span></span><span style=\"display:inherit;clear:left;\">0<span class=\"_ _df\"> </span><span class=\"ls133 ws1e0\">146</span></span><span style=\"display:inherit;clear:left;\">Sum tapsa<span class=\"_ _1\"></span>v<span class=\"_ _1\"></span>setning<span class=\"_ _30\"> </span></span><span style=\"display:inherit;clear:left;\">287<span class=\"_ _74\"> </span><span class=\"lsf6 ws158\">20<span class=\"_ _8\"></span>5<span class=\"_ _5d\"> </span><span class=\"ls133 ws1e0\">233<span class=\"_ _15\"> </span><span class=\"ls14f ws200\">72<span class=\"_ _8\"></span>5<span class=\"_ _9d\"> </span></span></span>20<span class=\"_ _8\"></span>6<span class=\"_ _9d\"> </span><span class=\"ls135 ws1e2\">930</span></span></span><span style=\"display:inherit;clear:left;\">Periodens tapsk<span class=\"_ _1\"></span>os<span class=\"_ _1\"></span>tnad:</span><span style=\"display:inherit;clear:left;\">Periodens endring<span class=\"_ _1\"></span>er individuelle nedskrivning<span class=\"_ _1\"></span>er<span class=\"_ _234\"> </span><span class=\"ls84 wsdf\">-31</span></span><span style=\"display:inherit;clear:left;\">V<span class=\"_ _2\"></span>aluta og andre bev<span class=\"_ _1\"></span>eg<span class=\"_ _1\"></span>elser<span class=\"_ _235\"> </span>1</span><span style=\"display:inherit;clear:left;\">Kons<span class=\"_ _1\"></span>ta<span class=\"_ _1\"></span>tert tap i perioden med tidlig<span class=\"_ _1\"></span>er<span class=\"_ _1\"></span>e individuell nedskrivning<span class=\"_ _1c9\"> </span>18</span><span style=\"display:inherit;clear:left;\">Kons<span class=\"_ _1\"></span>ta<span class=\"_ _1\"></span>tert tap i perioden ut<span class=\"_ _1\"></span>en tidliger<span class=\"_ _1\"></span>e individuell nedskrivning<span class=\"_ _1ba\"> </span><span class=\"ls9 ws9\">33</span></span><span style=\"display:inherit;clear:left;\">Inngang p\u00e5 tidliger<span class=\"_ _1\"></span>e k<span class=\"_ _1\"></span>onsta<span class=\"_ _2\"></span>terte nedskrivninger<span class=\"_ _164\"> </span><span class=\"ls6 ws6\">-1<span class=\"_ _8\"></span>0</span></span><span style=\"display:inherit;clear:left;\">Net<span class=\"_ _1\"></span>to r<span class=\"_ _1\"></span>esulta<span class=\"_ _1\"></span>t<span class=\"_ _1\"></span>ef<span class=\"_ _1\"></span>f<span class=\"_ _1\"></span>ekt individuelle nedskrivninger<span class=\"_ _241\"> </span>11</span><span style=\"display:inherit;clear:left;\">Periodens endring i modellber<span class=\"_ _1\"></span>egne<span class=\"_ _1\"></span>t tap (s<span class=\"_ _1\"></span>teg 1-<span class=\"_ _1\"></span>3)<span class=\"_ _238\"> </span><span class=\"ls139 ws1e6\">38</span></span><span style=\"display:inherit;clear:left;\">Periodens tapsk<span class=\"_ _1\"></span>os<span class=\"_ _1\"></span>tnad<span class=\"_ _242\"> </span><span class=\"ls13 ws13\">49</span></span><span style=\"display:inherit;clear:left;\">Brutt<span class=\"_ _1\"></span>o utl\u00e5n vurdert til amortisert kos<span class=\"_ _1\"></span>t eller </span><span style=\"display:inherit;clear:left;\">virkelig v<span class=\"_ _1\"></span>er<span class=\"_ _1\"></span>di o<span class=\"_ _1\"></span>ver OCI pr<span class=\"_ _0\"></span>. 31/12<span class=\"_ _1\"></span>-2<span class=\"_ _1\"></span>0<span class=\"_ _1\"></span>23<span class=\"_ _243\"> </span><span class=\"ls82 ws14b\">98 094<span class=\"_ _cc\"> </span></span>11 009<span class=\"_ _86\"> </span><span class=\"ls138 ws1e5\">822<span class=\"_ _8e\"> </span></span>109 925<span class=\"_ _a2\"> </span><span class=\"ls13d ws1eb\">49<span class=\"_ _8\"></span>0<span class=\"_ _74\"> </span></span>110 4<span class=\"_ _1\"></span>15</span><span style=\"display:inherit;clear:left;\">T<span class=\"_ _0\"></span>apsnedskriving<span class=\"_ _7a\"> </span>-214<span class=\"_ _74\"> </span></span><span style=\"display:inherit;clear:left;\">-1<span class=\"_ _8\"></span>6<span class=\"_ _8\"></span>7<span class=\"_ _8e\"> </span>-1<span class=\"_ _8\"></span>9<span class=\"_ _8\"></span>8<span class=\"_ _a1\"> </span></span><span style=\"display:inherit;clear:left;\">-<span class=\"_ _8\"></span>579<span class=\"_ _3d\"> </span><span class=\"ls125 ws1cf\">-205<span class=\"_ _4a\"> </span><span class=\"ls134 ws1e1\">-7<span class=\"_ _8\"></span>8<span class=\"_ _a\"></span>4</span></span></span><span style=\"display:inherit;clear:left;\">Nett<span class=\"_ _8\"></span>o<span class=\"_ _244\"> </span><span class=\"ls0 ws0\">9<span class=\"_ _1\"></span>7 88<span class=\"_ _1\"></span>0<span class=\"_ _c7\"> </span>10 843<span class=\"_ _189\"> </span><span class=\"ls4a ws9d\">6<span class=\"_ _8\"></span>24<span class=\"_ _189\"> </span></span>109 34<span class=\"_ _2\"></span>7<span class=\"_ _15\"> </span><span class=\"ls109 ws16b\">285<span class=\"_ _6e\"> </span></span>109 631</span></span><span style=\"display:inherit;clear:left;\">Utl\u00e5n vurdert til virk<span class=\"_ _1\"></span>elig v<span class=\"_ _1\"></span>erdi o<span class=\"_ _1\"></span>v<span class=\"_ _1\"></span>er r<span class=\"_ _1\"></span>esulta<span class=\"_ _1\"></span>t<span class=\"_ _245\"> </span><span class=\"ls31 ws81\">4 59<span class=\"_ _8\"></span>1</span></span><span style=\"display:inherit;clear:left;\">Balansef<span class=\"_ _1\"></span>\u00f8rt<span class=\"_ _1\"></span>e utl\u00e5n pr<span class=\"_ _0\"></span>. 31/12-<span class=\"_ _1\"></span>20<span class=\"_ _1\"></span>23<span class=\"_ _229\"> </span>114 222</span><span style=\"display:inherit;clear:left;\">Utl\u00e5n som er kons<span class=\"_ _1\"></span>ta<span class=\"_ _1\"></span>tert tap<span class=\"_ _1\"></span>t, men som fortsa<span class=\"_ _2\"></span>tt er gjenstand f<span class=\"_ _1\"></span>or oppf<span class=\"_ _1\"></span>\u00f8lging utgj\u00f8r to<span class=\"_ _1\"></span>talt  111 millioner kr<span class=\"_ _1\"></span>oner per 31. desember 2<span class=\"_ _1\"></span>0<span class=\"_ _1\"></span>23 </span><span style=\"display:inherit;clear:left;\">og 108 millioner kr<span class=\"_ _1\"></span>oner per 31. desember 2<span class=\"_ _1\"></span>0<span class=\"_ _1\"></span>22.</span><span style=\"display:inherit;clear:left;\">K<span class=\"_ _1\"></span>ONSERN</span><span style=\"display:inherit;clear:left;\"> Sum modell- </span><span style=\"display:inherit;clear:left;\">Individuelt </span><span style=\"display:inherit;clear:left;\">Periodens be<span class=\"_ _1\"></span>v<span class=\"_ _1\"></span>eg<span class=\"_ _1\"></span>else p\u00e5 nedskrivning e<span class=\"_ _1\"></span>tter </span><span style=\"display:inherit;clear:left;\">Modellber<span class=\"_ _1\"></span>egnet</span><span style=\"display:inherit;clear:left;\">ber<span class=\"_ _1\"></span>egnet tap</span><span style=\"display:inherit;clear:left;\">vur<span class=\"_ _1\"></span>dert<span class=\"_ _a2\"> </span><span class=\"ls140 ws1ee\">To<span class=\"_ _a\"></span>t<span class=\"_ _38\"></span>a<span class=\"_ _a\"></span>l</span></span><span style=\"display:inherit;clear:left;\">IFRS 9 p\u00e5 utl\u00e5n, gar<span class=\"_ _1\"></span>antier<span class=\"_ _0\"></span>, ubenytt<span class=\"_ _1\"></span>ede kr<span class=\"_ _1\"></span>edit<span class=\"_ _1\"></span>-</span><span style=\"display:inherit;clear:left;\">ter og l\u00e5ne<span class=\"_ _1\"></span>tilsagn</span><span style=\"display:inherit;clear:left;\">Steg<span class=\"_ _8\"></span> 1<span class=\"_ _cc\"> </span>Ste<span class=\"_ _8\"></span>g 2<span class=\"_ _a3\"> </span>Ste<span class=\"_ _8\"></span>g 3<span class=\"_ _1e5\"> </span>Ste<span class=\"_ _8\"></span>g 3</span><span style=\"display:inherit;clear:left;\">T<span class=\"_ _0\"></span>apsavse<span class=\"_ _1\"></span>tning inng\u00e5<span class=\"_ _1\"></span>ende balanse <span class=\"_ _1d5\"> </span></span><span style=\"display:inherit;clear:left;\">169<span class=\"_ _ba\"> </span><span class=\"ls62 wsb6\">34<span class=\"_ _8\"></span>4<span class=\"_ _72\"> </span></span></span><span style=\"display:inherit;clear:left;\"><span class=\"ff1\">212<span class=\"_ _15\"> </span><span class=\"ls14f ws200\">72<span class=\"_ _8\"></span>5<span class=\"_ _df\"> </span></span>221<span class=\"_ _226\"> </span><span class=\"ls13b ws1e8\">946</span></span></span><span style=\"display:inherit;clear:left;\">Overf<span class=\"_ _1\"></span>\u00f8rt til 12 mnd ECL (s<span class=\"_ _1\"></span>teg 1)<span class=\"_ _16c\"> </span></span><span style=\"display:inherit;clear:left;\">80<span class=\"_ _14\"> </span></span><span style=\"display:inherit;clear:left;\">-59<span class=\"_ _8b\"> </span><span class=\"ls120 ws1cb\">-4<span class=\"_ _23f\"> </span></span></span><span style=\"display:inherit;clear:left;\">17<span class=\"_ _63\"> </span><span class=\"ls6 ws6\">-1<span class=\"_ _a\"></span>7<span class=\"_ _c8\"> </span></span>0</span><span style=\"display:inherit;clear:left;\">Overf<span class=\"_ _1\"></span>\u00f8rt til lev<span class=\"_ _1\"></span>e<span class=\"_ _1\"></span>tid ECL \u2013 ikk<span class=\"_ _1\"></span>e objektiv<span class=\"_ _1\"></span>e bevis p\u00e5 </span><span style=\"display:inherit;clear:left;\">tap (st<span class=\"_ _1\"></span>eg 2)<span class=\"_ _197\"> </span><span class=\"ls6 ws6\">-1<span class=\"_ _8\"></span>9<span class=\"_ _75\"> </span></span>63<span class=\"_ _1b\"> </span><span class=\"ls120 ws1cb\">-44<span class=\"_ _43\"> </span></span>0<span class=\"_ _21e\"> </span>0<span class=\"_ _43\"> </span>0</span><span style=\"display:inherit;clear:left;\">Overf<span class=\"_ _1\"></span>\u00f8rt til lev<span class=\"_ _1\"></span>e<span class=\"_ _1\"></span>tid ECL \u2013 objektiv<span class=\"_ _1\"></span>e be<span class=\"_ _1\"></span>vis p\u00e5 tap </span><span style=\"display:inherit;clear:left;\">(st<span class=\"_ _1\"></span>eg 3) \u2013 Modellberegne<span class=\"_ _1\"></span>t<span class=\"_ _21f\"> </span><span class=\"ls6 ws6\">-1<span class=\"_ _16\"> </span>-1<span class=\"_ _a\"></span>6<span class=\"_ _10\"> </span></span>21<span class=\"_ _21e\"> </span>4<span class=\"_ _88\"> </span><span class=\"ls120 ws1cb\">-4<span class=\"_ _21e\"> </span></span>0</span><span style=\"display:inherit;clear:left;\">Overf<span class=\"_ _1\"></span>\u00f8rt til lev<span class=\"_ _1\"></span>e<span class=\"_ _1\"></span>tid ECL \u2013 objektiv<span class=\"_ _1\"></span>e be<span class=\"_ _1\"></span>vis p\u00e5 tap </span><span style=\"display:inherit;clear:left;\">(st<span class=\"_ _1\"></span>eg 3) \u2013 Individuelt vurdert<span class=\"_ _127\"> </span>0<span class=\"_ _10\"> </span><span class=\"ls84 wsdf\">-3<span class=\"_ _10\"> </span>-3<span class=\"_ _84\"> </span></span>-6<span class=\"_ _c8\"> </span>6<span class=\"_ _21e\"> </span>0</span><span style=\"display:inherit;clear:left;\">Net<span class=\"_ _1\"></span>to n<span class=\"_ _1\"></span>y m\u00e5ling a<span class=\"_ _1\"></span>v tap<span class=\"_ _246\"> </span></span><span style=\"display:inherit;clear:left;\">-69<span class=\"_ _10\"> </span></span><span style=\"display:inherit;clear:left;\">81<span class=\"_ _21a\"> </span><span class=\"ls126 ws1d0\">58<span class=\"_ _23f\"> </span></span></span><span style=\"display:inherit;clear:left;\">71</span><span style=\"display:inherit;clear:left;\"><span class=\"_ _20d\"> </span><span class=\"ls120 ws1cb\">60<span class=\"_ _13\"> </span><span class=\"ls126 ws1d0\">1<span class=\"_ _8\"></span>31</span></span></span><span style=\"display:inherit;clear:left;\">Nye ut<span class=\"_ _1\"></span>st<span class=\"_ _1\"></span>edte eller kj\u00f8p<span class=\"_ _1\"></span>te finansielle eiendeler<span class=\"_ _e7\"> </span>117<span class=\"_ _8d\"> </span></span><span style=\"display:inherit;clear:left;\">55<span class=\"_ _3e\"> </span><span class=\"ls125 ws1cf\">26<span class=\"_ _99\"> </span><span class=\"ls6 ws6\">1<span class=\"_ _a\"></span>97<span class=\"_ _116\"> </span></span>26<span class=\"_ _15\"> </span><span class=\"ls21 ws175\">2<span class=\"_ _8\"></span>23</span></span></span><span style=\"display:inherit;clear:left;\">Finansielle eiendeler som har blitt fr<span class=\"_ _1\"></span>ar<span class=\"_ _1\"></span>egnet<span class=\"_ _110\"> </span></span><span style=\"display:inherit;clear:left;\">-81<span class=\"_ _94\"> </span></span><span style=\"display:inherit;clear:left;\">-1<span class=\"_ _8\"></span>2<span class=\"_ _8\"></span>9<span class=\"_ _98\"> </span></span><span style=\"display:inherit;clear:left;\">-62<span class=\"_ _4a\"> </span></span><span style=\"display:inherit;clear:left;\">-<span class=\"_ _8\"></span>272<span class=\"_ _25\"> </span><span class=\"ls120 ws1cb\">-<span class=\"_ _8\"></span>60<span class=\"_ _3d\"> </span><span class=\"ls9 ws9\">-333</span></span></span><span style=\"display:inherit;clear:left;\">V<span class=\"_ _2\"></span>aluta og andre bev<span class=\"_ _1\"></span>eg<span class=\"_ _1\"></span>elser<span class=\"_ _247\"> </span>4<span class=\"_ _4a\"> </span>0<span class=\"_ _4a\"> </span>0<span class=\"_ _21e\"> </span>4<span class=\"_ _c8\"> </span>6<span class=\"_ _43\"> </span>9</span><span style=\"display:inherit;clear:left;\">T<span class=\"_ _2\"></span>apsa<span class=\"_ _1\"></span>v<span class=\"_ _1\"></span>setning pr<span class=\"_ _0\"></span>. 31/12<span class=\"_ _1\"></span>-2<span class=\"_ _1\"></span>022<span class=\"_ _240\"> </span></span><span style=\"display:inherit;clear:left;\">1<span class=\"_ _8\"></span>99<span class=\"_ _74\"> </span></span><span style=\"display:inherit;clear:left;\">3<span class=\"_ _8\"></span>36<span class=\"_ _74\"> </span></span><span style=\"display:inherit;clear:left;\">205<span class=\"_ _9c\"> </span></span><span style=\"display:inherit;clear:left;\">739<span class=\"_ _9c\"> </span><span class=\"ls61 wsb5\">2<span class=\"_ _8\"></span>37<span class=\"_ _9c\"> </span>976</span></span><span style=\"display:inherit;clear:left;\">A<span class=\"_ _1\"></span>vse<span class=\"_ _1\"></span>tning p\u00e5 utl\u00e5n<span class=\"_ _32\"> </span>163<span class=\"_ _1b\"> </span></span><span style=\"display:inherit;clear:left;\">279<span class=\"_ _14\"> </span><span class=\"ls125 ws1cf\">201<span class=\"_ _a2\"> </span></span></span><span style=\"display:inherit;clear:left;\">644</span><span style=\"display:inherit;clear:left;\"><span class=\"_ _15\"> </span><span class=\"ls12c ws1d6\">236<span class=\"_ _9d\"> </span><span class=\"ls82 ws14b\">8<span class=\"_ _8\"></span>80</span></span></span><span style=\"display:inherit;clear:left;\">A<span class=\"_ _1\"></span>vse<span class=\"_ _1\"></span>tning p\u00e5 gar<span class=\"_ _1\"></span>an<span class=\"_ _1\"></span>tier<span class=\"_ _0\"></span>, ubenytte<span class=\"_ _1\"></span>t kr<span class=\"_ _1\"></span>editt sam<span class=\"_ _1\"></span>t </span><span style=\"display:inherit;clear:left;\">l\u00e5netilsagn<span class=\"_ _231\"> </span></span><span style=\"display:inherit;clear:left;\">35<span class=\"_ _8d\"> </span><span class=\"ls82 ws14b\">56<span class=\"_ _4a\"> </span></span></span><span style=\"display:inherit;clear:left;\">4<span class=\"_ _b6\"> </span><span class=\"ls133 ws1e0\">95<span class=\"_ _21e\"> </span></span>0<span class=\"_ _48\"> </span>96</span><span style=\"display:inherit;clear:left;\">Sum tapsa<span class=\"_ _1\"></span>v<span class=\"_ _1\"></span>setning<span class=\"_ _18e\"> </span></span><span style=\"display:inherit;clear:left;\">199<span class=\"_ _5d\"> </span></span><span style=\"display:inherit;clear:left;\">336<span class=\"_ _74\"> </span></span><span style=\"display:inherit;clear:left;\">205<span class=\"_ _9c\"> </span></span><span style=\"display:inherit;clear:left;\">739<span class=\"_ _9c\"> </span><span class=\"ls61 wsb5\">2<span class=\"_ _8\"></span>37<span class=\"_ _9c\"> </span>97<span class=\"_ _8\"></span>6</span></span><span style=\"display:inherit;clear:left;\">Periodens tapsk<span class=\"_ _1\"></span>os<span class=\"_ _1\"></span>tnad:</span><span style=\"display:inherit;clear:left;\">Periodens endring<span class=\"_ _1\"></span>er individuelle nedskrivning<span class=\"_ _1\"></span>er<span class=\"_ _248\"> </span>16</span><span style=\"display:inherit;clear:left;\">V<span class=\"_ _2\"></span>aluta og andre bev<span class=\"_ _1\"></span>eg<span class=\"_ _1\"></span>elser<span class=\"_ _249\"> </span>-6</span><span style=\"display:inherit;clear:left;\">Kons<span class=\"_ _1\"></span>ta<span class=\"_ _1\"></span>tert tap i perioden med tidlig<span class=\"_ _1\"></span>er<span class=\"_ _1\"></span>e individuell nedskrivning<span class=\"_ _1c9\"> </span>18</span><span style=\"display:inherit;clear:left;\">Kons<span class=\"_ _1\"></span>ta<span class=\"_ _1\"></span>tert tap i perioden ut<span class=\"_ _1\"></span>en tidliger<span class=\"_ _1\"></span>e individuell nedskrivning<span class=\"_ _139\"> </span><span class=\"ls120 ws1cb\">34</span></span><span style=\"display:inherit;clear:left;\">Inngang p\u00e5 tidliger<span class=\"_ _1\"></span>e k<span class=\"_ _1\"></span>onsta<span class=\"_ _2\"></span>terte nedskrivninger<span class=\"_ _24a\"> </span><span class=\"ls125 ws1cf\">-20</span></span><span style=\"display:inherit;clear:left;\">Net<span class=\"_ _1\"></span>to r<span class=\"_ _1\"></span>esulta<span class=\"_ _1\"></span>t<span class=\"_ _1\"></span>ef<span class=\"_ _1\"></span>f<span class=\"_ _1\"></span>ekt individuelle nedskrivninger<span class=\"_ _234\"> </span><span class=\"ls8 ws8\">42</span></span><span style=\"display:inherit;clear:left;\">Periodens endring i modellber<span class=\"_ _1\"></span>egne<span class=\"_ _1\"></span>t tap (s<span class=\"_ _1\"></span>teg 1-<span class=\"_ _1\"></span>3)<span class=\"_ _24b\"> </span>11</span><span style=\"display:inherit;clear:left;\">Periodens tapsk<span class=\"_ _1\"></span>os<span class=\"_ _1\"></span>tnad<span class=\"_ _24c\"> </span><span class=\"ls8 ws8\">52</span></span><span style=\"display:inherit;clear:left;\">Brutt<span class=\"_ _1\"></span>o utl\u00e5n vurdert til amortisert kos<span class=\"_ _1\"></span>t pr<span class=\"_ _0\"></span>. </span><span style=\"display:inherit;clear:left;\">31/12<span class=\"_ _1\"></span>-<span class=\"_ _1\"></span>20<span class=\"_ _1\"></span>22<span class=\"_ _148\"> </span>189 12<span class=\"_ _2\"></span>4<span class=\"_ _d4\"> </span>12 010<span class=\"_ _6f\"> </span><span class=\"ls4a ws9d\">7<span class=\"_ _8\"></span>76<span class=\"_ _108\"> </span><span class=\"ls126 ws1d0\">201 91<span class=\"_ _8\"></span>0<span class=\"_ _20e\"> </span></span>6<span class=\"_ _8\"></span>24<span class=\"_ _83\"> </span><span class=\"ls125 ws1cf\">202 5<span class=\"_ _8\"></span>34</span></span></span><span style=\"display:inherit;clear:left;\">T<span class=\"_ _0\"></span>apsnedskriving<span class=\"_ _71\"> </span>-<span class=\"_ _1\"></span>163<span class=\"_ _6f\"> </span></span><span style=\"display:inherit;clear:left;\">-279<span class=\"_ _9b\"> </span><span class=\"ls125 ws1cf\">-201<span class=\"_ _10\"> </span></span></span><span style=\"display:inherit;clear:left;\">-644<span class=\"_ _95\"> </span><span class=\"ls84 wsdf\">-236<span class=\"_ _96\"> </span></span>-880</span><span style=\"display:inherit;clear:left;\">Net<span class=\"_ _1\"></span>to utl\u00e5n vur<span class=\"_ _1\"></span>dert til amortisert kos<span class=\"_ _1\"></span>t i bal-</span><span style=\"display:inherit;clear:left;\">ansen<span class=\"_ _1c8\"> </span>188 961<span class=\"_ _87\"> </span>11 7<span class=\"_ _1\"></span>31<span class=\"_ _6f\"> </span></span><span style=\"display:inherit;clear:left;\">575<span class=\"_ _86\"> </span></span><span style=\"display:inherit;clear:left;\">201 267<span class=\"_ _118\"> </span><span class=\"ls132 ws1de\">3<span class=\"_ _8\"></span>87<span class=\"_ _9b\"> </span></span></span><span style=\"display:inherit;clear:left;\">201 65<span class=\"_ _1\"></span>4</span><span style=\"display:inherit;clear:left;\">Utl\u00e5n vurdert til virk<span class=\"_ _1\"></span>elig v<span class=\"_ _1\"></span>erdi o<span class=\"_ _1\"></span>v<span class=\"_ _1\"></span>er r<span class=\"_ _1\"></span>esulta<span class=\"_ _1\"></span>t<span class=\"_ _24d\"> </span>22 840</span><span style=\"display:inherit;clear:left;\">Balansef<span class=\"_ _1\"></span>\u00f8rt<span class=\"_ _1\"></span>e utl\u00e5n pr<span class=\"_ _0\"></span>. 31/12-<span class=\"_ _1\"></span>20<span class=\"_ _1\"></span>22<span class=\"_ _1f6\"> </span>22<span class=\"_ _1\"></span>4 4<span class=\"_ _1\"></span>9<span class=\"_ _1\"></span>4</span><span style=\"display:inherit;clear:left;\">Sensitivite<span class=\"_ _1\"></span>t i modell-beregnede ne<span class=\"_ _1\"></span>dskrivinger:<span class=\"_ _24e\"> </span><span class=\"ff1\">BM<span class=\"_ _117\"> </span>PM<span class=\"_ _78\"> </span>T<span class=\"_ _2\"></span>o<span class=\"_ _1\"></span>talt</span></span><span style=\"display:inherit;clear:left;\">Endring i forv<span class=\"_ _1\"></span>en<span class=\"_ _1\"></span>te<span class=\"_ _1\"></span>t tap v<span class=\"_ _1\"></span>ed 100 % v<span class=\"_ _1\"></span>ekting a<span class=\"_ _1\"></span>v nega<span class=\"_ _1\"></span>tivt scenario<span class=\"_ _23e\"> </span><span class=\"ls108 ws16a\">504<span class=\"_ _13\"> </span></span>117<span class=\"_ _25\"> </span><span class=\"lsf wsf\">62<span class=\"_ _8\"></span>1</span></span><span style=\"display:inherit;clear:left;\">Endring i forv<span class=\"_ _1\"></span>en<span class=\"_ _1\"></span>te<span class=\"_ _1\"></span>t tap v<span class=\"_ _1\"></span>ed 100 % v<span class=\"_ _1\"></span>ekting a<span class=\"_ _1\"></span>v positivt scenario<span class=\"_ _17d\"> </span></span><span style=\"display:inherit;clear:left;\">-302<span class=\"_ _117\"> </span><span class=\"ls134 ws1e1\">-7<span class=\"_ _8\"></span>0<span class=\"_ _a2\"> </span><span class=\"ls61 wsb5\">-<span class=\"_ _8\"></span>372</span></span></span><span style=\"display:inherit;clear:left;\">Endring i forv<span class=\"_ _1\"></span>en<span class=\"_ _1\"></span>te<span class=\"_ _1\"></span>t tap v<span class=\"_ _1\"></span>ed str<span class=\"_ _1\"></span>es<span class=\"_ _1\"></span>s (R\u00e5<span class=\"_ _1\"></span>-PD-er \u00f8ker med 2<span class=\"_ _1\"></span>0 % og sikkerhe<span class=\"_ _1\"></span>t<span class=\"_ _1\"></span>er  </span><span style=\"display:inherit;clear:left;\">f<span class=\"_ _1\"></span>aller med 20 %)<span class=\"_ _24f\"> </span></span><span style=\"display:inherit;clear:left;\">181<span class=\"_ _b6\"> </span><span class=\"ls125 ws1cf\">32<span class=\"_ _e7\"> </span></span></span><span style=\"display:inherit;clear:left;\">213</span><span style=\"display:inherit;clear:left;\">Endring i forv<span class=\"_ _1\"></span>en<span class=\"_ _1\"></span>te<span class=\"_ _1\"></span>t tap dersom L<span class=\"_ _2\"></span>GD reduser<span class=\"_ _1\"></span>es med 10 %<span class=\"_ _250\"> </span></span><span style=\"display:inherit;clear:left;\">-91<span class=\"_ _63\"> </span><span class=\"ls6 ws6\">-1<span class=\"_ _8\"></span>3<span class=\"_ _a2\"> </span>-1<span class=\"_ _8\"></span>0<span class=\"_ _8\"></span>4</span></span><span style=\"display:inherit;clear:left;\">Endring i forv<span class=\"_ _1\"></span>en<span class=\"_ _1\"></span>te<span class=\"_ _1\"></span>t tap dersom L<span class=\"_ _2\"></span>GD \u00f8ker med 10 %<span class=\"_ _251\"> </span><span class=\"ls126 ws1d0\">91<span class=\"_ _84\"> </span></span><span class=\"ls0\">13<span class=\"_ _9c\"> </span><span class=\"ls108 ws16a\">1<span class=\"_ _8\"></span>04</span></span></span><span style=\"display:inherit;clear:left;\">MORBANK</span><span style=\"display:inherit;clear:left;\"> Sum modell- </span><span style=\"display:inherit;clear:left;\">Individuelt </span><span style=\"display:inherit;clear:left;\">Periodens be<span class=\"_ _1\"></span>v<span class=\"_ _1\"></span>eg<span class=\"_ _1\"></span>else p\u00e5 nedskrivning  </span><span style=\"display:inherit;clear:left;\">Modellber<span class=\"_ _1\"></span>egnet</span><span style=\"display:inherit;clear:left;\">ber<span class=\"_ _1\"></span>egnet tap</span><span style=\"display:inherit;clear:left;\">vur<span class=\"_ _1\"></span>dert<span class=\"_ _a2\"> </span><span class=\"ls140 ws1ee\">To<span class=\"_ _a\"></span>t<span class=\"_ _38\"></span>a<span class=\"_ _a\"></span>l</span></span><span style=\"display:inherit;clear:left;\">et<span class=\"_ _1\"></span>ter IFRS9 p\u00e5 utl\u00e5n, g<span class=\"_ _1\"></span>ar<span class=\"_ _1\"></span>antier<span class=\"_ _0\"></span>, ubenytt<span class=\"_ _1\"></span>ede </span><span style=\"display:inherit;clear:left;\">kr<span class=\"_ _1\"></span>editt<span class=\"_ _1\"></span>er og l\u00e5ne<span class=\"_ _1\"></span>tilsagn</span><span style=\"display:inherit;clear:left;\">Steg<span class=\"_ _8\"></span> 1<span class=\"_ _cc\"> </span>Ste<span class=\"_ _8\"></span>g 2<span class=\"_ _a3\"> </span>Ste<span class=\"_ _8\"></span>g 3<span class=\"_ _1e5\"> </span>Ste<span class=\"_ _8\"></span>g 3</span><span style=\"display:inherit;clear:left;\">T<span class=\"_ _0\"></span>apsavse<span class=\"_ _1\"></span>tning inng\u00e5<span class=\"_ _1\"></span>ende balanse<span class=\"_ _227\"> </span><span class=\"ff1\">163<span class=\"_ _74\"> </span><span class=\"ls150 ws201\">320<span class=\"_ _72\"> </span><span class=\"lsf6 ws158\">201<span class=\"_ _20e\"> </span><span class=\"ls83 wsdd\">68<span class=\"_ _8\"></span>3<span class=\"_ _df\"> </span></span></span></span>221<span class=\"_ _a1\"> </span><span class=\"ls13b ws1e8\">9<span class=\"_ _8\"></span>04</span></span></span><span style=\"display:inherit;clear:left;\">Overf<span class=\"_ _1\"></span>\u00f8rt til 12 mnd ECL (s<span class=\"_ _1\"></span>teg 1)<span class=\"_ _252\"> </span></span><span style=\"display:inherit;clear:left;\">75<span class=\"_ _1a\"> </span></span><span style=\"display:inherit;clear:left;\">-54<span class=\"_ _10\"> </span><span class=\"ls84 wsdf\">-3<span class=\"_ _6a\"> </span></span></span><span style=\"display:inherit;clear:left;\">17<span class=\"_ _63\"> </span><span class=\"ls6 ws6\">-1<span class=\"_ _8\"></span>7<span class=\"_ _c8\"> </span></span>0</span><span style=\"display:inherit;clear:left;\">Overf<span class=\"_ _1\"></span>\u00f8rt til lev<span class=\"_ _1\"></span>e<span class=\"_ _1\"></span>tid ECL \u2013 ikk<span class=\"_ _1\"></span>e objektiv<span class=\"_ _1\"></span>e bevis p\u00e5 </span><span style=\"display:inherit;clear:left;\">tap (st<span class=\"_ _1\"></span>eg 2)<span class=\"_ _197\"> </span></span><span style=\"display:inherit;clear:left;\">-1<span class=\"_ _8\"></span>9<span class=\"_ _10\"> </span></span><span style=\"display:inherit;clear:left;\">61<span class=\"_ _12\"> </span><span class=\"ls8 ws8\">-42<span class=\"_ _43\"> </span></span></span><span style=\"display:inherit;clear:left;\">0<span class=\"_ _43\"> </span>0<span class=\"_ _43\"> </span>0</span><span style=\"display:inherit;clear:left;\">Overf<span class=\"_ _1\"></span>\u00f8rt til lev<span class=\"_ _1\"></span>e<span class=\"_ _1\"></span>tid ECL \u2013 objektiv<span class=\"_ _1\"></span>e be<span class=\"_ _1\"></span>vis p\u00e5 tap </span><span style=\"display:inherit;clear:left;\">(st<span class=\"_ _1\"></span>eg 3) \u2013 Modellberegne<span class=\"_ _1\"></span>t<span class=\"_ _21f\"> </span></span><span style=\"display:inherit;clear:left;\">-1<span class=\"_ _16\"> </span>-1<span class=\"_ _a\"></span>5<span class=\"_ _3e\"> </span><span class=\"ls125 ws1cf\">20<span class=\"_ _21e\"> </span></span></span><span style=\"display:inherit;clear:left;\">4<span class=\"_ _a0\"> </span><span class=\"ls120 ws1cb\">-4<span class=\"_ _21e\"> </span></span>0</span><span style=\"display:inherit;clear:left;\">Overf<span class=\"_ _1\"></span>\u00f8rt til lev<span class=\"_ _1\"></span>e<span class=\"_ _1\"></span>tid ECL \u2013 objektiv<span class=\"_ _1\"></span>e be<span class=\"_ _1\"></span>vis p\u00e5 tap </span><span style=\"display:inherit;clear:left;\">(st<span class=\"_ _1\"></span>eg 3) \u2013 Individuelt vurdert<span class=\"_ _127\"> </span>0<span class=\"_ _10\"> </span><span class=\"ls84 wsdf\">-3<span class=\"_ _10\"> </span>-3<span class=\"_ _84\"> </span></span>-6<span class=\"_ _c8\"> </span>6<span class=\"_ _21e\"> </span>0</span><span style=\"display:inherit;clear:left;\">Net<span class=\"_ _1\"></span>to n<span class=\"_ _1\"></span>y m\u00e5ling a<span class=\"_ _1\"></span>v tap<span class=\"_ _223\"> </span>-65<span class=\"_ _3e\"> </span></span><span style=\"display:inherit;clear:left;\">68<span class=\"_ _3e\"> </span></span><span style=\"display:inherit;clear:left;\">52<span class=\"_ _b6\"> </span></span><span style=\"display:inherit;clear:left;\">56<span class=\"_ _20d\"> </span><span class=\"ls120 ws1cb\">60<span class=\"_ _13\"> </span></span></span><span style=\"display:inherit;clear:left;\">116</span><span style=\"display:inherit;clear:left;\">Nye ut<span class=\"_ _1\"></span>st<span class=\"_ _1\"></span>edte eller kj\u00f8p<span class=\"_ _1\"></span>te finansielle eiendeler<span class=\"_ _e7\"> </span>113<span class=\"_ _16\"> </span></span><span style=\"display:inherit;clear:left;\">50<span class=\"_ _3e\"> </span><span class=\"ls125 ws1cf\">26<span class=\"_ _e7\"> </span><span class=\"ls135 ws1e2\">189<span class=\"_ _116\"> </span></span>26<span class=\"_ _25\"> </span></span></span><span style=\"display:inherit;clear:left;\">215</span><span style=\"display:inherit;clear:left;\">Finansielle eiendeler som har blitt fr<span class=\"_ _1\"></span>ar<span class=\"_ _1\"></span>egnet<span class=\"_ _b6\"> </span></span><span style=\"display:inherit;clear:left;\">-<span class=\"_ _8\"></span>80<span class=\"_ _94\"> </span><span class=\"ls6 ws6\">-1<span class=\"_ _8\"></span>24<span class=\"_ _14\"> </span></span>-56<span class=\"_ _96\"> </span><span class=\"ls125 ws1cf\">-26<span class=\"_ _8\"></span>0<span class=\"_ _25\"> </span><span class=\"ls120 ws1cb\">-60<span class=\"_ _3d\"> </span></span>-320</span></span><span style=\"display:inherit;clear:left;\">V<span class=\"_ _2\"></span>aluta og andre bev<span class=\"_ _1\"></span>eg<span class=\"_ _1\"></span>elser<span class=\"_ _247\"> </span>4<span class=\"_ _4a\"> </span>0<span class=\"_ _4a\"> </span>0<span class=\"_ _21e\"> </span>4<span class=\"_ _c8\"> </span>6<span class=\"_ _43\"> </span>9</span><span style=\"display:inherit;clear:left;\">T<span class=\"_ _2\"></span>apsa<span class=\"_ _1\"></span>v<span class=\"_ _1\"></span>setning pr<span class=\"_ _0\"></span>. 31/12<span class=\"_ _1\"></span>-2<span class=\"_ _1\"></span>022<span class=\"_ _24\"> </span>190<span class=\"_ _74\"> </span></span><span style=\"display:inherit;clear:left;\">303<span class=\"_ _1b\"> </span></span><span style=\"display:inherit;clear:left;\">194<span class=\"_ _15\"> </span></span><span style=\"display:inherit;clear:left;\">687<span class=\"_ _118\"> </span><span class=\"ls61 wsb5\">2<span class=\"_ _8\"></span>37<span class=\"_ _97\"> </span><span class=\"ls12c ws1d6\">923</span></span></span><span style=\"display:inherit;clear:left;\">A<span class=\"_ _1\"></span>vse<span class=\"_ _1\"></span>tning p\u00e5 utl\u00e5n<span class=\"_ _32\"> </span></span><span style=\"display:inherit;clear:left;\">155<span class=\"_ _74\"> </span></span><span style=\"display:inherit;clear:left;\">24<span class=\"_ _8\"></span>6<span class=\"_ _78\"> </span></span><span style=\"display:inherit;clear:left;\">191<span class=\"_ _15\"> </span></span><span style=\"display:inherit;clear:left;\">59<span class=\"_ _8\"></span>2<span class=\"_ _15\"> </span><span class=\"ls12c ws1d6\">236<span class=\"_ _9c\"> </span><span class=\"ls109 ws16b\">828</span></span></span><span style=\"display:inherit;clear:left;\">A<span class=\"_ _1\"></span>vse<span class=\"_ _1\"></span>tning p\u00e5 gar<span class=\"_ _1\"></span>an<span class=\"_ _1\"></span>tier<span class=\"_ _0\"></span>, ubenytte<span class=\"_ _1\"></span>t kr<span class=\"_ _1\"></span>editt sam<span class=\"_ _1\"></span>t </span><span style=\"display:inherit;clear:left;\">l\u00e5netilsagn<span class=\"_ _231\"> </span></span><span style=\"display:inherit;clear:left;\">35<span class=\"_ _8d\"> </span><span class=\"ls82 ws14b\">56<span class=\"_ _4a\"> </span></span></span><span style=\"display:inherit;clear:left;\">4<span class=\"_ _b6\"> </span><span class=\"ls133 ws1e0\">95<span class=\"_ _21e\"> </span></span>0<span class=\"_ _48\"> </span>96</span><span style=\"display:inherit;clear:left;\">Sum tapsa<span class=\"_ _1\"></span>v<span class=\"_ _1\"></span>setning<span class=\"_ _30\"> </span>190<span class=\"_ _74\"> </span></span><span style=\"display:inherit;clear:left;\">303<span class=\"_ _93\"> </span></span><span style=\"display:inherit;clear:left;\">1<span class=\"_ _8\"></span>94<span class=\"_ _15\"> </span></span><span style=\"display:inherit;clear:left;\">687<span class=\"_ _9c\"> </span><span class=\"ls61 wsb5\">2<span class=\"_ _8\"></span>37<span class=\"_ _15\"> </span><span class=\"ls12c ws1d6\">923</span></span></span><span style=\"display:inherit;clear:left;\">Periodens tapsk<span class=\"_ _1\"></span>os<span class=\"_ _1\"></span>tnad:</span><span style=\"display:inherit;clear:left;\">Periodens endring<span class=\"_ _1\"></span>er individuelle nedskrivning<span class=\"_ _1\"></span>er<span class=\"_ _248\"> </span>16</span><span style=\"display:inherit;clear:left;\">V<span class=\"_ _2\"></span>aluta og andre bev<span class=\"_ _1\"></span>eg<span class=\"_ _1\"></span>elser<span class=\"_ _249\"> </span>-6</span><span style=\"display:inherit;clear:left;\">Kons<span class=\"_ _1\"></span>ta<span class=\"_ _1\"></span>tert tap i perioden med tidlig<span class=\"_ _1\"></span>er<span class=\"_ _1\"></span>e individuell nedskrivning<span class=\"_ _1c9\"> </span>16</span><span style=\"display:inherit;clear:left;\">Kons<span class=\"_ _1\"></span>ta<span class=\"_ _1\"></span>tert tap i perioden ut<span class=\"_ _1\"></span>en tidliger<span class=\"_ _1\"></span>e individuell nedskrivning<span class=\"_ _1ba\"> </span><span class=\"ls125 ws1cf\">29</span></span><span style=\"display:inherit;clear:left;\">Inngang p\u00e5 tidliger<span class=\"_ _1\"></span>e k<span class=\"_ _1\"></span>onsta<span class=\"_ _2\"></span>terte nedskrivninger<span class=\"_ _253\"> </span><span class=\"ls6 ws6\">-1<span class=\"_ _8\"></span>9</span></span><span style=\"display:inherit;clear:left;\">Net<span class=\"_ _1\"></span>to r<span class=\"_ _1\"></span>esulta<span class=\"_ _1\"></span>t<span class=\"_ _1\"></span>ef<span class=\"_ _1\"></span>f<span class=\"_ _1\"></span>ekt individuelle nedskrivninger<span class=\"_ _254\"> </span><span class=\"ls12c ws1d6\">36</span></span><span style=\"display:inherit;clear:left;\">Periodens endring i modellber<span class=\"_ _1\"></span>egne<span class=\"_ _1\"></span>t tap (s<span class=\"_ _1\"></span>teg 1-<span class=\"_ _1\"></span>3)<span class=\"_ _234\"> </span>0</span><span style=\"display:inherit;clear:left;\">Periodens tapsk<span class=\"_ _1\"></span>os<span class=\"_ _1\"></span>tnad<span class=\"_ _239\"> </span><span class=\"ls135 ws1e2\">36</span></span><span style=\"display:inherit;clear:left;\">Brutt<span class=\"_ _1\"></span>o utl\u00e5n vurdert til amortisert kos<span class=\"_ _1\"></span>t eller </span><span style=\"display:inherit;clear:left;\">virkelig v<span class=\"_ _1\"></span>er<span class=\"_ _1\"></span>di o<span class=\"_ _1\"></span>ver OCI pr<span class=\"_ _0\"></span>. 31/12<span class=\"_ _1\"></span>-2<span class=\"_ _1\"></span>0<span class=\"_ _1\"></span>22<span class=\"_ _f9\"> </span></span><span style=\"display:inherit;clear:left;\">83 568<span class=\"_ _87\"> </span></span><span style=\"display:inherit;clear:left;\">8 46<span class=\"_ _8\"></span>1<span class=\"_ _65\"> </span><span class=\"ls12c ws1d6\">6<span class=\"_ _8\"></span>36<span class=\"_ _74\"> </span></span></span><span style=\"display:inherit;clear:left;\">92 665<span class=\"_ _97\"> </span><span class=\"ls21 ws175\">6<span class=\"_ _8\"></span>23<span class=\"_ _5d\"> </span></span>93 288</span><span style=\"display:inherit;clear:left;\">T<span class=\"_ _0\"></span>apsnedskriving<span class=\"_ _71\"> </span></span><span style=\"display:inherit;clear:left;\">-1<span class=\"_ _8\"></span>5<span class=\"_ _8\"></span>5<span class=\"_ _86\"> </span><span class=\"ls4a ws9d\">-<span class=\"_ _8\"></span>246<span class=\"_ _6e\"> </span></span>-1<span class=\"_ _a\"></span>9<span class=\"_ _8\"></span>1<span class=\"_ _95\"> </span></span><span style=\"display:inherit;clear:left;\">-<span class=\"_ _8\"></span>592<span class=\"_ _95\"> </span><span class=\"ls84 wsdf\">-236<span class=\"_ _95\"> </span><span class=\"ls109 ws16b\">-<span class=\"_ _8\"></span>828</span></span></span><span style=\"display:inherit;clear:left;\">Nett<span class=\"_ _8\"></span>o<span class=\"_ _255\"> </span></span><span style=\"display:inherit;clear:left;\">83 4<span class=\"_ _2\"></span>13<span class=\"_ _83\"> </span>8 214<span class=\"_ _6b\"> </span></span><span style=\"display:inherit;clear:left;\">445<span class=\"_ _1b\"> </span></span><span style=\"display:inherit;clear:left;\">9<span class=\"_ _8\"></span>2<span class=\"_ _8\"></span> 07<span class=\"_ _8\"></span>3<span class=\"_ _df\"> </span><span class=\"ls132 ws1de\">3<span class=\"_ _8\"></span>87<span class=\"_ _94\"> </span><span class=\"lsf6 ws158\">92<span class=\"_ _8\"></span> 460</span></span></span><span style=\"display:inherit;clear:left;\">Utl\u00e5n vurdert til virk<span class=\"_ _1\"></span>elig v<span class=\"_ _1\"></span>erdi o<span class=\"_ _1\"></span>v<span class=\"_ _1\"></span>er r<span class=\"_ _1\"></span>esulta<span class=\"_ _1\"></span>t<span class=\"_ _256\"> </span><span class=\"ls6 ws6\">4<span class=\"_ _8\"></span> 7<span class=\"_ _8\"></span>97</span></span><span style=\"display:inherit;clear:left;\">Balansef<span class=\"_ _1\"></span>\u00f8rt<span class=\"_ _1\"></span>e utl\u00e5n pr<span class=\"_ _0\"></span>. 31/12-<span class=\"_ _1\"></span>20<span class=\"_ _1\"></span>22<span class=\"_ _230\"> </span><span class=\"ls61 wsb5\">97<span class=\"_ _8\"></span> 2<span class=\"_ _8\"></span>5<span class=\"_ _8\"></span>8</span></span><span style=\"display:inherit;clear:left;\">No<span class=\"_ _1\"></span>te 1<span class=\"_ _1\"></span>4 Nedskriv<span class=\"_ _8\"></span>ing p\u00e5 u<span class=\"_ _1\"></span>tl\u00e5n, garantie<span class=\"_ _1\"></span>r<span class=\"_ _2\"></span>, ubenyt<span class=\"_ _8\"></span>ted<span class=\"_ _1\"></span>e k<span class=\"_ _8\"></span>reditte<span class=\"_ _1\"></span>r samt l<span class=\"_ _1\"></span>\u00e5netilsagn \u2013 segment</span><span style=\"display:inherit;clear:left;\">K<span class=\"_ _1\"></span>ONSERN</span><span style=\"display:inherit;clear:left;\"> Sum modell- </span><span style=\"display:inherit;clear:left;\">Individuelt </span><span style=\"display:inherit;clear:left;\">2023<span class=\"_ _1b7\"> </span><span class=\"ls0 ws0\">Modellber<span class=\"_ _1\"></span>egne<span class=\"_ _1\"></span>t</span></span><span style=\"display:inherit;clear:left;\">ber<span class=\"_ _1\"></span>egnet tap</span><span style=\"display:inherit;clear:left;\">vur<span class=\"_ _1\"></span>dert<span class=\"_ _a2\"> </span><span class=\"ls140 ws1ee\">To<span class=\"_ _a\"></span>t<span class=\"_ _38\"></span>a<span class=\"_ _a\"></span>l</span></span><span style=\"display:inherit;clear:left;\">BEDRIFTSMARKED<span class=\"_ _14c\"> </span><span class=\"ls125 ws1cf\">Ste<span class=\"_ _8\"></span>g 1<span class=\"_ _cc\"> </span>S<span class=\"_ _8\"></span>teg<span class=\"_ _8\"></span> 2<span class=\"_ _a8\"> </span>Ste<span class=\"_ _8\"></span>g 3<span class=\"_ _1e5\"> </span>Ste<span class=\"_ _8\"></span>g 3</span></span><span style=\"display:inherit;clear:left;\">T<span class=\"_ _0\"></span>apsavse<span class=\"_ _1\"></span>tning inng\u00e5<span class=\"_ _1\"></span>ende balanse<span class=\"_ _a6\"> </span></span><span style=\"display:inherit;clear:left;\">1<span class=\"_ _8\"></span>72<span class=\"_ _1b\"> </span><span class=\"ls12a ws1d4\">278<span class=\"_ _74\"> </span></span></span><span style=\"display:inherit;clear:left;\">177<span class=\"_ _9d\"> </span></span><span style=\"display:inherit;clear:left;\">628<span class=\"_ _15\"> </span><span class=\"ls8 ws8\">2<span class=\"_ _8\"></span>27<span class=\"_ _97\"> </span><span class=\"ls82 ws14b\">855</span></span></span><span style=\"display:inherit;clear:left;\">Overf<span class=\"_ _1\"></span>\u00f8rt til 12 mnd ECL (s<span class=\"_ _1\"></span>teg 1)<span class=\"_ _257\"> </span></span><span style=\"display:inherit;clear:left;\">73<span class=\"_ _14\"> </span><span class=\"ls120 ws1cb\">-66<span class=\"_ _78\"> </span></span></span><span style=\"display:inherit;clear:left;\">-8<span class=\"_ _21e\"> </span>0<span class=\"_ _43\"> </span>0<span class=\"_ _21e\"> </span>0</span><span style=\"display:inherit;clear:left;\">Overf<span class=\"_ _1\"></span>\u00f8rt til lev<span class=\"_ _1\"></span>e<span class=\"_ _1\"></span>tid ECL \u2013 ikk<span class=\"_ _1\"></span>e objektiv<span class=\"_ _1\"></span>e bevis p\u00e5 </span><span style=\"display:inherit;clear:left;\">tap (st<span class=\"_ _1\"></span>eg 2)<span class=\"_ _231\"> </span></span><span style=\"display:inherit;clear:left;\">-1<span class=\"_ _a\"></span>9<span class=\"_ _21a\"> </span></span><span style=\"display:inherit;clear:left;\">30<span class=\"_ _17\"> </span><span class=\"ls120 ws1cb\">-4<span class=\"_ _10d\"> </span></span></span><span style=\"display:inherit;clear:left;\">7<span class=\"_ _64\"> </span><span class=\"ls134 ws1e1\">-7<span class=\"_ _c8\"> </span></span>0</span><span style=\"display:inherit;clear:left;\">Overf<span class=\"_ _1\"></span>\u00f8rt til lev<span class=\"_ _1\"></span>e<span class=\"_ _1\"></span>tid ECL \u2013 objektiv<span class=\"_ _1\"></span>e be<span class=\"_ _1\"></span>vis p\u00e5 tap </span><span style=\"display:inherit;clear:left;\">(st<span class=\"_ _1\"></span>eg 3) \u2013 Modellberegne<span class=\"_ _1\"></span>t<span class=\"_ _223\"> </span>0<span class=\"_ _14\"> </span></span><span style=\"display:inherit;clear:left;\">-25<span class=\"_ _98\"> </span><span class=\"ls109 ws16b\">28<span class=\"_ _c8\"> </span></span></span><span style=\"display:inherit;clear:left;\">3<span class=\"_ _23f\"> </span><span class=\"ls84 wsdf\">-3<span class=\"_ _c8\"> </span></span>0</span><span style=\"display:inherit;clear:left;\">Overf<span class=\"_ _1\"></span>\u00f8rt til lev<span class=\"_ _1\"></span>e<span class=\"_ _1\"></span>tid ECL \u2013 objektiv<span class=\"_ _1\"></span>e be<span class=\"_ _1\"></span>vis p\u00e5 tap </span><span style=\"display:inherit;clear:left;\">(st<span class=\"_ _1\"></span>eg 3) \u2013 Individuelt vurdert<span class=\"_ _233\"> </span>0<span class=\"_ _78\"> </span><span class=\"ls6 ws6\">-1<span class=\"_ _a\"></span>2<span class=\"_ _16\"> </span></span>-8<span class=\"_ _10c\"> </span><span class=\"ls84 wsdf\">-2<span class=\"_ _8\"></span>1<span class=\"_ _84\"> </span></span>21<span class=\"_ _21e\"> </span>0</span><span style=\"display:inherit;clear:left;\">Net<span class=\"_ _1\"></span>to n<span class=\"_ _1\"></span>y m\u00e5ling a<span class=\"_ _1\"></span>v tap<span class=\"_ _23b\"> </span></span><span style=\"display:inherit;clear:left;\">-1<span class=\"_ _8\"></span>6<span class=\"_ _16\"> </span>-1<span class=\"_ _a\"></span>6<span class=\"_ _14\"> </span><span class=\"ls120 ws1cb\">34<span class=\"_ _c8\"> </span></span></span><span style=\"display:inherit;clear:left;\">2<span class=\"_ _118\"> </span>190<span class=\"_ _e7\"> </span><span class=\"lsf6 ws158\">192</span></span><span style=\"display:inherit;clear:left;\">Nye ut<span class=\"_ _1\"></span>st<span class=\"_ _1\"></span>edte eller kj\u00f8p<span class=\"_ _1\"></span>te finansielle eiendeler<span class=\"_ _48\"> </span></span><span style=\"display:inherit;clear:left;\">1<span class=\"_ _8\"></span>31<span class=\"_ _8d\"> </span></span><span style=\"display:inherit;clear:left;\">50<span class=\"_ _14\"> </span></span><span style=\"display:inherit;clear:left;\">28<span class=\"_ _97\"> </span><span class=\"ls125 ws1cf\">20<span class=\"_ _8\"></span>9<span class=\"_ _a0\"> </span></span></span><span style=\"display:inherit;clear:left;\">19<span class=\"_ _9c\"> </span><span class=\"ls13 ws13\">2<span class=\"_ _8\"></span>27</span></span><span style=\"display:inherit;clear:left;\">Finansielle eiendeler som har blitt fr<span class=\"_ _1\"></span>ar<span class=\"_ _1\"></span>egnet<span class=\"_ _c8\"> </span></span><span style=\"display:inherit;clear:left;\">-7<span class=\"_ _a\"></span>7<span class=\"_ _11\"> </span></span><span style=\"display:inherit;clear:left;\">-58<span class=\"_ _ba\"> </span></span><span style=\"display:inherit;clear:left;\">-46<span class=\"_ _118\"> </span></span><span style=\"display:inherit;clear:left;\">-1<span class=\"_ _8\"></span>8<span class=\"_ _8\"></span>1<span class=\"_ _95\"> </span><span class=\"ls4a ws9d\">-<span class=\"_ _8\"></span>249<span class=\"_ _66\"> </span><span class=\"ls12c ws1d6\">-430</span></span></span><span style=\"display:inherit;clear:left;\">V<span class=\"_ _2\"></span>aluta og andre bev<span class=\"_ _1\"></span>eg<span class=\"_ _1\"></span>elser<span class=\"_ _1ce\"> </span>0<span class=\"_ _4a\"> </span>0<span class=\"_ _8b\"> </span>0<span class=\"_ _43\"> </span>0<span class=\"_ _69\"> </span>1<span class=\"_ _67\"> </span>1</span><span style=\"display:inherit;clear:left;\">T<span class=\"_ _2\"></span>apsa<span class=\"_ _1\"></span>v<span class=\"_ _1\"></span>setning pr<span class=\"_ _0\"></span>. 31/12<span class=\"_ _1\"></span>-2<span class=\"_ _1\"></span>02<span class=\"_ _1\"></span>3<span class=\"_ _b5\"> </span></span><span style=\"display:inherit;clear:left;\">26<span class=\"_ _8\"></span>4<span class=\"_ _11\"> </span><span class=\"ls82 ws14b\">181<span class=\"_ _6e\"> </span></span>201<span class=\"_ _20e\"> </span></span><span style=\"display:inherit;clear:left;\">6<span class=\"_ _a\"></span>47<span class=\"_ _25\"> </span><span class=\"ls82 ws14b\">198<span class=\"_ _226\"> </span>8<span class=\"_ _8\"></span>45</span></span><span style=\"display:inherit;clear:left;\"> Sum modell- </span><span style=\"display:inherit;clear:left;\">Individuelt </span><span style=\"display:inherit;clear:left;\">Modellber<span class=\"_ _1\"></span>egnet</span><span style=\"display:inherit;clear:left;\">ber<span class=\"_ _1\"></span>egnet tap</span><span style=\"display:inherit;clear:left;\">vur<span class=\"_ _1\"></span>dert<span class=\"_ _a2\"> </span><span class=\"ls140 ws1ee\">To<span class=\"_ _a\"></span>t<span class=\"_ _38\"></span>a<span class=\"_ _a\"></span>l</span></span><span style=\"display:inherit;clear:left;\">PRIV<span class=\"_ _2\"></span>A<span class=\"_ _2\"></span>TMARKED<span class=\"_ _f5\"> </span><span class=\"ls125 ws1cf\">S<span class=\"_ _8\"></span>teg<span class=\"_ _8\"></span> 1<span class=\"_ _cc\"> </span>Steg<span class=\"_ _8\"></span> 2<span class=\"_ _a8\"> </span>S<span class=\"_ _8\"></span>teg<span class=\"_ _8\"></span> 3<span class=\"_ _1e5\"> </span>Steg<span class=\"_ _8\"></span> 3</span></span><span style=\"display:inherit;clear:left;\">T<span class=\"_ _0\"></span>apsavse<span class=\"_ _1\"></span>tning inng\u00e5<span class=\"_ _1\"></span>ende balanse <span class=\"_ _219\"> </span></span><span style=\"display:inherit;clear:left;\">26<span class=\"_ _75\"> </span></span><span style=\"display:inherit;clear:left;\">57<span class=\"_ _14\"> </span><span class=\"ls8 ws8\">27<span class=\"_ _99\"> </span></span></span><span style=\"display:inherit;clear:left;\"><span class=\"ff1\">110<span class=\"_ _49\"> </span>10<span class=\"_ _118\"> </span><span class=\"lsf6 ws158\">120</span></span></span><span style=\"display:inherit;clear:left;\">Overf<span class=\"_ _1\"></span>\u00f8rt til 12 mnd ECL (s<span class=\"_ _1\"></span>teg 1)<span class=\"_ _124\"> </span>19<span class=\"_ _16\"> </span></span><span style=\"display:inherit;clear:left;\">-1<span class=\"_ _a\"></span>7<span class=\"_ _8d\"> </span><span class=\"ls84 wsdf\">-2<span class=\"_ _43\"> </span></span></span><span style=\"display:inherit;clear:left;\">0<span class=\"_ _21e\"> </span>0<span class=\"_ _43\"> </span>0</span><span style=\"display:inherit;clear:left;\">Overf<span class=\"_ _1\"></span>\u00f8rt til lev<span class=\"_ _1\"></span>e<span class=\"_ _1\"></span>tid ECL \u2013 ikk<span class=\"_ _1\"></span>e objektiv<span class=\"_ _1\"></span>e bevis p\u00e5 </span><span style=\"display:inherit;clear:left;\">tap (st<span class=\"_ _1\"></span>eg 2)<span class=\"_ _136\"> </span><span class=\"ls84 wsdf\">-2<span class=\"_ _4a\"> </span></span>4<span class=\"_ _16\"> </span><span class=\"ls84 wsdf\">-2<span class=\"_ _43\"> </span></span>0<span class=\"_ _21e\"> </span>0<span class=\"_ _43\"> </span>0</span><span style=\"display:inherit;clear:left;\">Overf<span class=\"_ _1\"></span>\u00f8rt til lev<span class=\"_ _1\"></span>e<span class=\"_ _1\"></span>tid ECL \u2013 objektiv<span class=\"_ _1\"></span>e be<span class=\"_ _1\"></span>vis p\u00e5 tap </span><span style=\"display:inherit;clear:left;\">(st<span class=\"_ _1\"></span>eg 3) \u2013 Modellberegne<span class=\"_ _1\"></span>t<span class=\"_ _223\"> </span>0<span class=\"_ _10\"> </span><span class=\"ls84 wsdf\">-2<span class=\"_ _10\"> </span></span>2<span class=\"_ _21e\"> </span>0<span class=\"_ _43\"> </span>0<span class=\"_ _21e\"> </span>0</span><span style=\"display:inherit;clear:left;\">Overf<span class=\"_ _1\"></span>\u00f8rt til lev<span class=\"_ _1\"></span>e<span class=\"_ _1\"></span>tid ECL \u2013 objektiv<span class=\"_ _1\"></span>e be<span class=\"_ _1\"></span>vis p\u00e5 tap </span><span style=\"display:inherit;clear:left;\">(st<span class=\"_ _1\"></span>eg 3) \u2013 Individuelt vurdert<span class=\"_ _233\"> </span>0<span class=\"_ _4a\"> </span>0<span class=\"_ _8b\"> </span>0<span class=\"_ _43\"> </span>0<span class=\"_ _43\"> </span>0<span class=\"_ _21e\"> </span>0</span><span style=\"display:inherit;clear:left;\">Net<span class=\"_ _1\"></span>to n<span class=\"_ _1\"></span>y m\u00e5ling a<span class=\"_ _1\"></span>v tap<span class=\"_ _13e\"> </span>4<span class=\"_ _21a\"> </span></span><span style=\"display:inherit;clear:left;\">35<span class=\"_ _14\"> </span></span><span style=\"display:inherit;clear:left;\">38<span class=\"_ _49\"> </span><span class=\"ls61 wsb5\">78<span class=\"_ _69\"> </span></span></span><span style=\"display:inherit;clear:left;\">1<span class=\"_ _116\"> </span><span class=\"lsfc ws15e\">79</span></span><span style=\"display:inherit;clear:left;\">Nye ut<span class=\"_ _1\"></span>st<span class=\"_ _1\"></span>edte eller kj\u00f8p<span class=\"_ _1\"></span>te finansielle eiendeler<span class=\"_ _84\"> </span><span class=\"ls13 ws13\">27<span class=\"_ _68\"> </span></span>9<span class=\"_ _10\"> </span>3<span class=\"_ _b6\"> </span><span class=\"ls136 ws1e3\">39<span class=\"_ _43\"> </span></span>0<span class=\"_ _b6\"> </span><span class=\"ls136 ws1e3\">39</span></span><span style=\"display:inherit;clear:left;\">Finansielle eiendeler som har blitt fr<span class=\"_ _1\"></span>ar<span class=\"_ _1\"></span>egnet<span class=\"_ _209\"> </span></span><span style=\"display:inherit;clear:left;\">-1<span class=\"_ _a\"></span>9<span class=\"_ _16\"> </span><span class=\"ls84 wsdf\">-21<span class=\"_ _12\"> </span></span>-1<span class=\"_ _8\"></span>3<span class=\"_ _99\"> </span></span><span style=\"display:inherit;clear:left;\">-53<span class=\"_ _23f\"> </span><span class=\"ls84 wsdf\">-3<span class=\"_ _e7\"> </span><span class=\"ls82 ws14b\">-56</span></span></span><span style=\"display:inherit;clear:left;\">V<span class=\"_ _2\"></span>aluta og andre bev<span class=\"_ _1\"></span>eg<span class=\"_ _1\"></span>elser<span class=\"_ _1ce\"> </span>0<span class=\"_ _4a\"> </span>0<span class=\"_ _8b\"> </span>0<span class=\"_ _43\"> </span>0<span class=\"_ _43\"> </span>0<span class=\"_ _21e\"> </span>0</span><span style=\"display:inherit;clear:left;\">T<span class=\"_ _2\"></span>apsa<span class=\"_ _1\"></span>v<span class=\"_ _1\"></span>setning pr<span class=\"_ _0\"></span>. 31/12<span class=\"_ _1\"></span>-2<span class=\"_ _1\"></span>02<span class=\"_ _1\"></span>3<span class=\"_ _23\"> </span></span><span style=\"display:inherit;clear:left;\">55<span class=\"_ _16\"> </span></span><span style=\"display:inherit;clear:left;\">66<span class=\"_ _1a\"> </span></span><span style=\"display:inherit;clear:left;\">54<span class=\"_ _e7\"> </span><span class=\"lsb wsb\">175<span class=\"_ _c8\"> </span></span></span><span style=\"display:inherit;clear:left;\">8<span class=\"_ _99\"> </span><span class=\"ls82 ws14b\">1<span class=\"_ _8\"></span>81</span></span><span style=\"display:inherit;clear:left;\">Sum nedskriving p\u00e5 utl\u00e5n, gar<span class=\"_ _1\"></span>an<span class=\"_ _1\"></span>tier<span class=\"_ _2\"></span>, </span><span style=\"display:inherit;clear:left;\">ubenyt<span class=\"_ _1\"></span>tede kr<span class=\"_ _2\"></span>editter samt l\u00e5ne<span class=\"_ _1\"></span>tilsagn<span class=\"_ _ed\"> </span></span><span style=\"display:inherit;clear:left;\">319<span class=\"_ _5d\"> </span></span><span style=\"display:inherit;clear:left;\">2<span class=\"_ _8\"></span>47<span class=\"_ _6f\"> </span></span><span style=\"display:inherit;clear:left;\">255<span class=\"_ _df\"> </span></span><span style=\"display:inherit;clear:left;\">82<span class=\"_ _8\"></span>1<span class=\"_ _226\"> </span><span class=\"lsf6 ws158\">20<span class=\"_ _8\"></span>6<span class=\"_ _75\"> </span>1<span class=\"_ _8\"></span> 026</span></span><span style=\"display:inherit;clear:left;\">K<span class=\"_ _1\"></span>ONSERN</span><span style=\"display:inherit;clear:left;\"> Sum modell- </span><span style=\"display:inherit;clear:left;\">Individuelt </span><span style=\"display:inherit;clear:left;\">2022<span class=\"_ _1b7\"> </span><span class=\"ls0 ws0\">Modellber<span class=\"_ _2\"></span>egnet</span></span><span style=\"display:inherit;clear:left;\">ber<span class=\"_ _1\"></span>egnet tap</span><span style=\"display:inherit;clear:left;\">vur<span class=\"_ _1\"></span>dert<span class=\"_ _a2\"> </span><span class=\"ls140 ws1ee\">To<span class=\"_ _a\"></span>t<span class=\"_ _38\"></span>a<span class=\"_ _a\"></span>l</span></span><span style=\"display:inherit;clear:left;\">BEDRIFTSMARKED<span class=\"_ _14c\"> </span><span class=\"ls125 ws1cf\">Ste<span class=\"_ _8\"></span>g 1<span class=\"_ _cc\"> </span>S<span class=\"_ _8\"></span>teg<span class=\"_ _8\"></span> 2<span class=\"_ _a8\"> </span>Ste<span class=\"_ _8\"></span>g 3<span class=\"_ _1e5\"> </span>Ste<span class=\"_ _8\"></span>g 3</span></span><span style=\"display:inherit;clear:left;\">T<span class=\"_ _0\"></span>apsavse<span class=\"_ _1\"></span>tning inng\u00e5<span class=\"_ _1\"></span>ende balanse<span class=\"_ _a7\"> </span></span><span style=\"display:inherit;clear:left;\">1<span class=\"_ _8\"></span>53<span class=\"_ _94\"> </span></span><span style=\"display:inherit;clear:left;\">300<span class=\"_ _94\"> </span></span><span style=\"display:inherit;clear:left;\">176<span class=\"_ _25\"> </span></span><span style=\"display:inherit;clear:left;\">631<span class=\"_ _9d\"> </span><span class=\"lsf6 ws158\">20<span class=\"_ _8\"></span>6<span class=\"_ _20e\"> </span><span class=\"ls92 wsee\">835</span></span></span><span style=\"display:inherit;clear:left;\">Overf<span class=\"_ _1\"></span>\u00f8rt til 12 mnd ECL (s<span class=\"_ _1\"></span>teg 1)<span class=\"_ _257\"> </span></span><span style=\"display:inherit;clear:left;\">72<span class=\"_ _14\"> </span></span><span style=\"display:inherit;clear:left;\">-<span class=\"_ _8\"></span>52<span class=\"_ _16\"> </span><span class=\"ls84 wsdf\">-2<span class=\"_ _6a\"> </span></span></span><span style=\"display:inherit;clear:left;\">17<span class=\"_ _63\"> </span><span class=\"ls6 ws6\">-1<span class=\"_ _a\"></span>7<span class=\"_ _c8\"> </span></span>0</span><span style=\"display:inherit;clear:left;\">Overf<span class=\"_ _1\"></span>\u00f8rt til lev<span class=\"_ _1\"></span>e<span class=\"_ _1\"></span>tid ECL \u2013 ikk<span class=\"_ _1\"></span>e objektiv<span class=\"_ _1\"></span>e bevis p\u00e5 </span><span style=\"display:inherit;clear:left;\">tap (st<span class=\"_ _1\"></span>eg 2)<span class=\"_ _231\"> </span></span><span style=\"display:inherit;clear:left;\">-1<span class=\"_ _a\"></span>8<span class=\"_ _75\"> </span></span><span style=\"display:inherit;clear:left;\">58<span class=\"_ _108\"> </span><span class=\"ls133 ws1e0\">-40<span class=\"_ _43\"> </span></span></span><span style=\"display:inherit;clear:left;\">0<span class=\"_ _43\"> </span>0<span class=\"_ _21e\"> </span>0</span><span style=\"display:inherit;clear:left;\">Overf<span class=\"_ _1\"></span>\u00f8rt til lev<span class=\"_ _1\"></span>e<span class=\"_ _1\"></span>tid ECL \u2013 objektiv<span class=\"_ _1\"></span>e be<span class=\"_ _1\"></span>vis p\u00e5 tap </span><span style=\"display:inherit;clear:left;\">(st<span class=\"_ _1\"></span>eg 3) \u2013 Modellberegne<span class=\"_ _1\"></span>t<span class=\"_ _232\"> </span><span class=\"ls6 ws6\">-1<span class=\"_ _78\"> </span>-1<span class=\"_ _8\"></span>4<span class=\"_ _16\"> </span></span>19<span class=\"_ _21e\"> </span>4<span class=\"_ _88\"> </span><span class=\"ls120 ws1cb\">-4<span class=\"_ _43\"> </span></span>0</span><span style=\"display:inherit;clear:left;\">Overf<span class=\"_ _1\"></span>\u00f8rt til lev<span class=\"_ _1\"></span>e<span class=\"_ _1\"></span>tid ECL \u2013 objektiv<span class=\"_ _1\"></span>e be<span class=\"_ _1\"></span>vis p\u00e5 tap </span><span style=\"display:inherit;clear:left;\">(st<span class=\"_ _1\"></span>eg 3) \u2013 Individuelt vurdert<span class=\"_ _233\"> </span>0<span class=\"_ _9a\"> </span><span class=\"ls84 wsdf\">-3<span class=\"_ _8d\"> </span>-3<span class=\"_ _84\"> </span></span>-6<span class=\"_ _c8\"> </span>6<span class=\"_ _21e\"> </span>0</span><span style=\"display:inherit;clear:left;\">Net<span class=\"_ _1\"></span>to n<span class=\"_ _1\"></span>y m\u00e5ling a<span class=\"_ _1\"></span>v tap<span class=\"_ _23e\"> </span>-64<span class=\"_ _8b\"> </span></span><span style=\"display:inherit;clear:left;\">61<span class=\"_ _14\"> </span><span class=\"ls13e ws1ec\">47<span class=\"_ _20d\"> </span></span></span><span style=\"display:inherit;clear:left;\">44</span><span style=\"display:inherit;clear:left;\"><span class=\"_ _48\"> </span><span class=\"ls126 ws1d0\">58<span class=\"_ _25\"> </span><span class=\"lsf6 ws158\">1<span class=\"_ _8\"></span>02</span></span></span><span style=\"display:inherit;clear:left;\">Nye ut<span class=\"_ _1\"></span>st<span class=\"_ _1\"></span>edte eller kj\u00f8p<span class=\"_ _1\"></span>te finansielle eiendeler<span class=\"_ _99\"> </span>106<span class=\"_ _17\"> </span>44<span class=\"_ _12\"> </span></span><span style=\"display:inherit;clear:left;\">24<span class=\"_ _117\"> </span></span><span style=\"display:inherit;clear:left;\">1<span class=\"_ _a\"></span>74<span class=\"_ _49\"> </span><span class=\"ls125 ws1cf\">26<span class=\"_ _20e\"> </span>200</span></span><span style=\"display:inherit;clear:left;\">Finansielle eiendeler som har blitt fr<span class=\"_ _1\"></span>ar<span class=\"_ _1\"></span>egnet<span class=\"_ _c8\"> </span><span class=\"ls134 ws1e1\">-7<span class=\"_ _8\"></span>6<span class=\"_ _1a\"> </span></span>-<span class=\"_ _1\"></span>116<span class=\"_ _6f\"> </span></span><span style=\"display:inherit;clear:left;\">-44<span class=\"_ _3d\"> </span></span><span style=\"display:inherit;clear:left;\">-23<span class=\"_ _8\"></span>6<span class=\"_ _e7\"> </span><span class=\"ls138 ws1e5\">-52<span class=\"_ _95\"> </span><span class=\"ls109 ws16b\">-28<span class=\"_ _8\"></span>8</span></span></span><span style=\"display:inherit;clear:left;\">V<span class=\"_ _2\"></span>aluta og andre bev<span class=\"_ _1\"></span>eg<span class=\"_ _1\"></span>elser<span class=\"_ _1ce\"> </span>0<span class=\"_ _4a\"> </span>0<span class=\"_ _8b\"> </span>0<span class=\"_ _43\"> </span>0<span class=\"_ _21e\"> </span>4<span class=\"_ _21e\"> </span>4</span><span style=\"display:inherit;clear:left;\">T<span class=\"_ _2\"></span>apsa<span class=\"_ _1\"></span>v<span class=\"_ _1\"></span>setning pr<span class=\"_ _0\"></span>. 31/12<span class=\"_ _1\"></span>-2<span class=\"_ _1\"></span>022<span class=\"_ _258\"> </span></span><span style=\"display:inherit;clear:left;\">1<span class=\"_ _8\"></span>72<span class=\"_ _1b\"> </span><span class=\"ls12a ws1d4\">278<span class=\"_ _74\"> </span></span></span><span style=\"display:inherit;clear:left;\">177<span class=\"_ _9d\"> </span></span><span style=\"display:inherit;clear:left;\">628<span class=\"_ _15\"> </span><span class=\"ls8 ws8\">2<span class=\"_ _8\"></span>27<span class=\"_ _97\"> </span><span class=\"ls82 ws14b\">855</span></span></span><span style=\"display:inherit;clear:left;\"> Sum modell- </span><span style=\"display:inherit;clear:left;\">Individuelt </span><span style=\"display:inherit;clear:left;\">Modellber<span class=\"_ _1\"></span>egnet</span><span style=\"display:inherit;clear:left;\">ber<span class=\"_ _1\"></span>egnet tap</span><span style=\"display:inherit;clear:left;\">vur<span class=\"_ _1\"></span>dert<span class=\"_ _a2\"> </span><span class=\"ls140 ws1ee\">To<span class=\"_ _a\"></span>t<span class=\"_ _38\"></span>a<span class=\"_ _a\"></span>l</span></span><span style=\"display:inherit;clear:left;\">PRIV<span class=\"_ _2\"></span>A<span class=\"_ _2\"></span>TMARKED<span class=\"_ _f5\"> </span><span class=\"ls125 ws1cf\">S<span class=\"_ _8\"></span>teg<span class=\"_ _8\"></span> 1<span class=\"_ _cc\"> </span>Steg<span class=\"_ _8\"></span> 2<span class=\"_ _a8\"> </span>S<span class=\"_ _8\"></span>teg<span class=\"_ _8\"></span> 3<span class=\"_ _1e5\"> </span>Steg<span class=\"_ _8\"></span> 3</span></span><span style=\"display:inherit;clear:left;\">T<span class=\"_ _0\"></span>apsavse<span class=\"_ _1\"></span>tning inng\u00e5<span class=\"_ _1\"></span>ende balanse <span class=\"_ _22d\"> </span><span class=\"ff1\">16<span class=\"_ _78\"> </span>43<span class=\"_ _14\"> </span><span class=\"ls135 ws1e2\">36<span class=\"_ _20d\"> </span><span class=\"ls108 ws16a\">95<span class=\"_ _a0\"> </span></span></span>15<span class=\"_ _e7\"> </span>110</span></span><span style=\"display:inherit;clear:left;\">Overf<span class=\"_ _1\"></span>\u00f8rt til 12 mnd ECL (s<span class=\"_ _1\"></span>teg 1)<span class=\"_ _259\"> </span>8<span class=\"_ _66\"> </span></span><span style=\"display:inherit;clear:left;\">-7<span class=\"_ _9a\"> </span><span class=\"ls6 ws6\">-1<span class=\"_ _c8\"> </span></span></span><span style=\"display:inherit;clear:left;\">0<span class=\"_ _21e\"> </span>0<span class=\"_ _43\"> </span>0</span><span style=\"display:inherit;clear:left;\">Overf<span class=\"_ _1\"></span>\u00f8rt til lev<span class=\"_ _1\"></span>e<span class=\"_ _1\"></span>tid ECL \u2013 ikk<span class=\"_ _1\"></span>e objektiv<span class=\"_ _1\"></span>e bevis p\u00e5 </span><span style=\"display:inherit;clear:left;\">tap (st<span class=\"_ _1\"></span>eg 2)<span class=\"_ _17b\"> </span><span class=\"ls6 ws6\">-1<span class=\"_ _68\"> </span></span>5<span class=\"_ _17\"> </span><span class=\"ls120 ws1cb\">-4<span class=\"_ _43\"> </span></span>0<span class=\"_ _21e\"> </span>0<span class=\"_ _43\"> </span>0</span><span style=\"display:inherit;clear:left;\">Overf<span class=\"_ _1\"></span>\u00f8rt til lev<span class=\"_ _1\"></span>e<span class=\"_ _1\"></span>tid ECL \u2013 objektiv<span class=\"_ _1\"></span>e be<span class=\"_ _1\"></span>vis p\u00e5 tap </span><span style=\"display:inherit;clear:left;\">(st<span class=\"_ _1\"></span>eg 3) \u2013 Modellberegne<span class=\"_ _1\"></span>t<span class=\"_ _223\"> </span>0<span class=\"_ _10\"> </span><span class=\"ls84 wsdf\">-2<span class=\"_ _10\"> </span></span>2<span class=\"_ _21e\"> </span>0<span class=\"_ _43\"> </span>0<span class=\"_ _21e\"> </span>0</span><span style=\"display:inherit;clear:left;\">Overf<span class=\"_ _1\"></span>\u00f8rt til lev<span class=\"_ _1\"></span>e<span class=\"_ _1\"></span>tid ECL \u2013 objektiv<span class=\"_ _1\"></span>e be<span class=\"_ _1\"></span>vis p\u00e5 tap </span><span style=\"display:inherit;clear:left;\">(st<span class=\"_ _1\"></span>eg 3) \u2013 Individuelt vurdert<span class=\"_ _233\"> </span>0<span class=\"_ _4a\"> </span>0<span class=\"_ _8b\"> </span>0<span class=\"_ _43\"> </span>0<span class=\"_ _43\"> </span>0<span class=\"_ _21e\"> </span>0</span><span style=\"display:inherit;clear:left;\">Net<span class=\"_ _1\"></span>to n<span class=\"_ _1\"></span>y m\u00e5ling a<span class=\"_ _1\"></span>v tap<span class=\"_ _1cd\"> </span></span><span style=\"display:inherit;clear:left;\">-5<span class=\"_ _8d\"> </span><span class=\"ls125 ws1cf\">20<span class=\"_ _75\"> </span></span></span><span style=\"display:inherit;clear:left;\">11<span class=\"_ _b6\"> </span><span class=\"ls125 ws1cf\">26<span class=\"_ _10d\"> </span></span>2<span class=\"_ _b6\"> </span><span class=\"ls109 ws16b\">28</span></span><span style=\"display:inherit;clear:left;\">Nye ut<span class=\"_ _1\"></span>st<span class=\"_ _1\"></span>edte eller kj\u00f8p<span class=\"_ _1\"></span>te finansielle eiendeler<span class=\"_ _6a\"> </span>10<span class=\"_ _3d\"> </span>11<span class=\"_ _96\"> </span>1<span class=\"_ _b6\"> </span><span class=\"ls21 ws175\">23<span class=\"_ _43\"> </span></span>0<span class=\"_ _b6\"> </span><span class=\"ls21 ws175\">23</span></span><span style=\"display:inherit;clear:left;\">Finansielle eiendeler som har blitt fr<span class=\"_ _1\"></span>ar<span class=\"_ _1\"></span>egnet<span class=\"_ _25a\"> </span>-6<span class=\"_ _18\"> </span></span><span style=\"display:inherit;clear:left;\">-1<span class=\"_ _a\"></span>4<span class=\"_ _12\"> </span>-1<span class=\"_ _a\"></span>7<span class=\"_ _125\"> </span><span class=\"ls61 wsb5\">-<span class=\"_ _8\"></span>37<span class=\"_ _23f\"> </span></span></span><span style=\"display:inherit;clear:left;\">-8<span class=\"_ _df\"> </span><span class=\"ls82 ws14b\">-45</span></span><span style=\"display:inherit;clear:left;\">V<span class=\"_ _2\"></span>aluta og andre bev<span class=\"_ _1\"></span>eg<span class=\"_ _1\"></span>elser<span class=\"_ _1ea\"> </span>4<span class=\"_ _4a\"> </span>0<span class=\"_ _9a\"> </span>0<span class=\"_ _21e\"> </span>4<span class=\"_ _21e\"> </span>0<span class=\"_ _21e\"> </span>4</span><span style=\"display:inherit;clear:left;\">T<span class=\"_ _2\"></span>apsa<span class=\"_ _1\"></span>v<span class=\"_ _1\"></span>setning pr<span class=\"_ _0\"></span>. 31/12<span class=\"_ _1\"></span>-2<span class=\"_ _1\"></span>022<span class=\"_ _124\"> </span></span><span style=\"display:inherit;clear:left;\">26<span class=\"_ _3e\"> </span></span><span style=\"display:inherit;clear:left;\">57<span class=\"_ _98\"> </span><span class=\"ls8 ws8\">27<span class=\"_ _99\"> </span></span></span><span style=\"display:inherit;clear:left;\">110<span class=\"_ _49\"> </span>10<span class=\"_ _118\"> </span><span class=\"lsf6 ws158\">120</span></span><span style=\"display:inherit;clear:left;\">Sum nedskriving p\u00e5 utl\u00e5n, gar<span class=\"_ _1\"></span>an<span class=\"_ _1\"></span>tier<span class=\"_ _2\"></span>, </span><span style=\"display:inherit;clear:left;\">ubenyt<span class=\"_ _1\"></span>tede kr<span class=\"_ _2\"></span>editter samt l\u00e5ne<span class=\"_ _1\"></span>tilsagn<span class=\"_ _62\"> </span></span><span style=\"display:inherit;clear:left;\">1<span class=\"_ _8\"></span>99<span class=\"_ _74\"> </span></span><span style=\"display:inherit;clear:left;\">3<span class=\"_ _8\"></span>36<span class=\"_ _189\"> </span></span><span style=\"display:inherit;clear:left;\">205<span class=\"_ _9c\"> </span></span><span style=\"display:inherit;clear:left;\">739<span class=\"_ _9c\"> </span></span><span style=\"display:inherit;clear:left;\">2<span class=\"_ _8\"></span>37</span><span style=\"display:inherit;clear:left;\"><span class=\"_ _9c\"> </span></span><span style=\"display:inherit;clear:left;\">976</span><span style=\"display:inherit;clear:left;\">No<span class=\"_ _1\"></span>te 15 R<span class=\"_ _1\"></span>e<span class=\"_ _1\"></span>f<span class=\"_ _0\"></span>orh<span class=\"_ _1\"></span>andlede o<span class=\"_ _1\"></span>g mislighold<span class=\"_ _1\"></span>te l<span class=\"_ _1\"></span>\u00e5n</span><span style=\"display:inherit;clear:left;\">Reforhandlede<span class=\"_ _1\"></span> l\u00e5n (<span class=\"_ _1\"></span>forbear<span class=\"_ _1\"></span>ance/betalingslette<span class=\"_ _1\"></span>lser)</span><span style=\"display:inherit;clear:left;\">Ref<span class=\"_ _1\"></span>orhandlede l\u00e5n de<span class=\"_ _1\"></span>finer<span class=\"_ _1\"></span>es som utl\u00e5n hv<span class=\"_ _1\"></span>or de<span class=\"_ _1\"></span>t er gitt let<span class=\"_ _1\"></span>telser i vilk<span class=\"_ _1\"></span>\u00e5r i sammenheng med a<span class=\"_ _1\"></span>t kunden har f<span class=\"_ _1\"></span>\u00e5<span class=\"_ _1\"></span>t<span class=\"_ _1\"></span>t betalingspr<span class=\"_ _1\"></span>oblemer<span class=\"_ _0\"></span>, og </span><span style=\"display:inherit;clear:left;\">a<span class=\"_ _1\"></span>t man ikke ville gitt dis<span class=\"_ _1\"></span>se vilk\u00e5r v<span class=\"_ _1\"></span>ed en or<span class=\"_ _1\"></span>din\u00e6r l\u00e5neutst<span class=\"_ _1\"></span>edelse.</span><span style=\"display:inherit;clear:left;\">K<span class=\"_ _1\"></span>ONSERN</span><span style=\"display:inherit;clear:left;\">Pr<span class=\"_ _2\"></span>. 31/12<span class=\"_ _1\"></span>-<span class=\"_ _1\"></span>20<span class=\"_ _1\"></span>23<span class=\"_ _25b\"> </span><span class=\"ls125 ws1cf\">Steg<span class=\"_ _8\"></span> 2<span class=\"_ _98\"> </span>Ste<span class=\"_ _8\"></span>g 3<span class=\"_ _68\"> </span></span>Sum</span><span style=\"display:inherit;clear:left;\">Balanse betalingsle<span class=\"_ _1\"></span>tt<span class=\"_ _1\"></span>elser brutt<span class=\"_ _1\"></span>o \u2013 Bedriftsmark<span class=\"_ _1\"></span>ed<span class=\"_ _1bc\"> </span></span><span style=\"display:inherit;clear:left;\">1<span class=\"_ _8\"></span> 273<span class=\"_ _9c\"> </span><span class=\"ls138 ws1e5\">693<span class=\"_ _8b\"> </span></span></span><span style=\"display:inherit;clear:left;\">1 966</span><span style=\"display:inherit;clear:left;\">Nedskrivinger \u2013 Bedriftsmark<span class=\"_ _1\"></span>ed<span class=\"_ _1f7\"> </span></span><span style=\"display:inherit;clear:left;\">-2<span class=\"_ _8\"></span>3<span class=\"_ _96\"> </span><span class=\"ls4a ws9d\">-<span class=\"_ _8\"></span>245<span class=\"_ _95\"> </span><span class=\"ls125 ws1cf\">-<span class=\"_ _8\"></span>268</span></span></span><span style=\"display:inherit;clear:left;\">Balanse betalingsle<span class=\"_ _1\"></span>tt<span class=\"_ _1\"></span>elser brutt<span class=\"_ _1\"></span>o \u2013 P<span class=\"_ _1\"></span>ersonmark<span class=\"_ _1\"></span>ed<span class=\"_ _25c\"> </span><span class=\"ls31 ws81\">575<span class=\"_ _10c\"> </span></span>117<span class=\"_ _15\"> </span><span class=\"ls138 ws1e5\">692</span></span><span style=\"display:inherit;clear:left;\">Nedskrivinger \u2013 P<span class=\"_ _1\"></span>ersonmark<span class=\"_ _1\"></span>ed<span class=\"_ _1b9\"> </span></span><span style=\"display:inherit;clear:left;\">-5<span class=\"_ _63\"> </span><span class=\"ls6 ws6\">-1<span class=\"_ _8\"></span>5<span class=\"_ _99\"> </span><span class=\"ls125 ws1cf\">-20</span></span></span><span style=\"display:inherit;clear:left;\">Balanse betalingsle<span class=\"_ _1\"></span>tt<span class=\"_ _1\"></span>elser ne<span class=\"_ _1\"></span>tt<span class=\"_ _1\"></span>o pr<span class=\"_ _0\"></span>. 31/12-<span class=\"_ _1\"></span>20<span class=\"_ _1\"></span>23<span class=\"_ _175\"> </span>1 819<span class=\"_ _df\"> </span><span class=\"ls83 wsdd\">551<span class=\"_ _3e\"> </span><span class=\"ls61 wsb5\">2<span class=\"_ _8\"></span> 370</span></span></span><span style=\"display:inherit;clear:left;\">Pr<span class=\"_ _2\"></span>. 31/12<span class=\"_ _1\"></span>-<span class=\"_ _1\"></span>20<span class=\"_ _1\"></span>22<span class=\"_ _25b\"> </span><span class=\"ls125 ws1cf\">Steg<span class=\"_ _8\"></span> 2<span class=\"_ _98\"> </span>Ste<span class=\"_ _8\"></span>g 3<span class=\"_ _68\"> </span></span>Sum</span><span style=\"display:inherit;clear:left;\">Balanse betalingsle<span class=\"_ _1\"></span>tt<span class=\"_ _1\"></span>elser brutt<span class=\"_ _1\"></span>o \u2013 Bedriftsmark<span class=\"_ _1\"></span>ed<span class=\"_ _1e6\"> </span>1 15<span class=\"_ _1\"></span>9<span class=\"_ _df\"> </span><span class=\"ls131 ws1dd\">6<span class=\"_ _8\"></span>41<span class=\"_ _e9\"> </span></span>1 800</span><span style=\"display:inherit;clear:left;\">Nedskrivinger \u2013 Bedriftsmark<span class=\"_ _1\"></span>ed<span class=\"_ _1f7\"> </span></span><span style=\"display:inherit;clear:left;\">-68<span class=\"_ _3d\"> </span><span class=\"ls109 ws16b\">-2<span class=\"_ _8\"></span>28<span class=\"_ _a1\"> </span><span class=\"ls6 ws6\">-<span class=\"_ _8\"></span>297</span></span></span><span style=\"display:inherit;clear:left;\">Balanse betalingsle<span class=\"_ _1\"></span>tt<span class=\"_ _1\"></span>elser brutt<span class=\"_ _1\"></span>o \u2013 P<span class=\"_ _1\"></span>ersonmark<span class=\"_ _1\"></span>ed<span class=\"_ _175\"> </span></span><span style=\"display:inherit;clear:left;\">394<span class=\"_ _df\"> </span><span class=\"ls133 ws1e0\">105<span class=\"_ _20e\"> </span><span class=\"ls13d ws1eb\">49<span class=\"_ _8\"></span>8</span></span></span><span style=\"display:inherit;clear:left;\">Nedskrivinger \u2013 P<span class=\"_ _1\"></span>ersonmark<span class=\"_ _1\"></span>ed<span class=\"_ _1b9\"> </span>-6<span class=\"_ _63\"> </span><span class=\"ls6 ws6\">-1<span class=\"_ _8\"></span>2<span class=\"_ _20d\"> </span>-1<span class=\"_ _8\"></span>8</span></span><span style=\"display:inherit;clear:left;\">Balanse betalingsle<span class=\"_ _1\"></span>tt<span class=\"_ _1\"></span>elser ne<span class=\"_ _1\"></span>tt<span class=\"_ _1\"></span>o pr<span class=\"_ _0\"></span>. 31/12-<span class=\"_ _1\"></span>20<span class=\"_ _1\"></span>22<span class=\"_ _18f\"> </span></span><span style=\"display:inherit;clear:left;\">1<span class=\"_ _8\"></span> 47<span class=\"_ _8\"></span>9<span class=\"_ _97\"> </span><span class=\"ls108 ws16a\">505<span class=\"_ _91\"> </span><span class=\"ls82 ws14b\">1<span class=\"_ _8\"></span> 985</span></span></span><span style=\"display:inherit;clear:left;\">Misligholdte og<span class=\"_ _1\"></span> tapsutsa<span class=\"_ _1\"></span>tte u<span class=\"_ _1\"></span>tl\u00e5n<span class=\"ls0 ws0\"> </span></span><span style=\"display:inherit;clear:left;\">T<span class=\"_ _2\"></span>abellen viser bokf\u00f8rt bel\u00f8p p\u00e5 misligholdte og tapsutsa<span class=\"_ _1\"></span>tte utl\u00e5n,<span class=\"_ _1\"></span> hv<span class=\"_ _1\"></span>or to<span class=\"_ _1\"></span>talen r<span class=\"_ _1\"></span>apporteres basert p\u00e5 definisjoner<span class=\"_ _1\"></span> etter </span><span style=\"display:inherit;clear:left;\">Basel-r<span class=\"_ _1\"></span>egelverk<span class=\"_ _1\"></span>et.</span><span style=\"display:inherit;clear:left;\">MORBANK<span class=\"_ _12c\"> </span><span class=\"lsc wsc\">KONSERN</span></span><span style=\"display:inherit;clear:left;\">31/12-<span class=\"_ _1\"></span>2023<span class=\"_ _1bf\"> </span>31/12-<span class=\"_ _2\"></span>202<span class=\"_ _8\"></span>3</span><span style=\"display:inherit;clear:left;\">Pers<span class=\"_ _8\"></span>on-</span><span style=\"display:inherit;clear:left;\">Be<span class=\"_ _8\"></span>d<span class=\"_ _8\"></span>ri<span class=\"_ _8\"></span>ft<span class=\"_ _8\"></span>s-<span class=\"ls0 ws0\"> </span></span><span style=\"display:inherit;clear:left;\">Pers<span class=\"_ _8\"></span>on-</span><span style=\"display:inherit;clear:left;\">Be<span class=\"_ _8\"></span>d<span class=\"_ _8\"></span>ri<span class=\"_ _8\"></span>ft<span class=\"_ _8\"></span>s-<span class=\"ls0 ws0\"> </span></span><span style=\"display:inherit;clear:left;\">marked</span><span style=\"display:inherit;clear:left;\">marked<span class=\"_ _a3\"> </span><span class=\"ls142 ws1f1\">To<span class=\"_ _8\"></span>t<span class=\"_ _a\"></span>a<span class=\"_ _a\"></span>l<span class=\"_ _8\"></span>t</span></span><span style=\"display:inherit;clear:left;\">marked</span><span style=\"display:inherit;clear:left;\">marked<span class=\"_ _a3\"> </span><span class=\"ls142 ws1f1\">To<span class=\"_ _8\"></span>t<span class=\"_ _a\"></span>a<span class=\"_ _a\"></span>l<span class=\"_ _8\"></span>t</span></span><span style=\"display:inherit;clear:left;\">87<span class=\"_ _8e\"> </span></span><span style=\"display:inherit;clear:left;\">669<span class=\"_ _6f\"> </span></span><span style=\"display:inherit;clear:left;\">756<span class=\"_ _b8\"> </span></span><span style=\"display:inherit;clear:left;\">Utl\u00e5n med<span class=\"_ _1\"></span> betalingsmislighold ov<span class=\"_ _1\"></span>er 90<span class=\"_ _1\"></span> dager<span class=\"_ _22c\"> </span></span><span style=\"display:inherit;clear:left;\">116<span class=\"_ _6f\"> </span><span class=\"ls108 ws16a\">672<span class=\"_ _6f\"> </span><span class=\"ls61 wsb5\">78<span class=\"_ _8\"></span>8</span></span></span><span style=\"display:inherit;clear:left;\">115<span class=\"_ _9b\"> </span></span><span style=\"display:inherit;clear:left;\">463<span class=\"_ _6f\"> </span></span><span style=\"display:inherit;clear:left;\">5<span class=\"_ _8\"></span>78<span class=\"_ _b8\"> </span></span><span style=\"display:inherit;clear:left;\">\u00d8vrige<span class=\"_ _1\"></span> tapsutsatte u<span class=\"_ _1\"></span>tl\u00e5n <span class=\"_ _148\"> </span><span class=\"ls14 ws14\">206<span class=\"_ _8e\"> </span>467<span class=\"_ _6f\"> </span><span class=\"ls140 ws1ee\">6<span class=\"_ _a\"></span>74</span></span></span><span style=\"display:inherit;clear:left;\">202<span class=\"_ _dd\"> </span></span><span style=\"display:inherit;clear:left;\">1 132<span class=\"_ _cc\"> </span></span><span style=\"display:inherit;clear:left;\">1 334<span class=\"_ _11a\"> </span></span><span style=\"display:inherit;clear:left;\">Sum misligholdte og tapsu<span class=\"_ _1\"></span>tsatt<span class=\"_ _1\"></span>e ut<span class=\"_ _1\"></span>l\u00e5n<span class=\"_ _194\"> </span></span><span style=\"display:inherit;clear:left;\">322<span class=\"_ _dd\"> </span><span class=\"ls0 ws0\">1 139<span class=\"_ _cc\"> </span><span class=\"ls12c ws1d6\">1 4<span class=\"_ _8\"></span>62</span></span></span><span style=\"display:inherit;clear:left;\">-38<span class=\"_ _87\"> </span>-36<span class=\"_ _8\"></span>5<span class=\"_ _cd\"> </span></span><span style=\"display:inherit;clear:left;\">-403<span class=\"_ _11a\"> </span></span><span style=\"display:inherit;clear:left;\"> - T<span class=\"_ _2\"></span>otale nedskriving<span class=\"_ _1\"></span>er st<span class=\"_ _1\"></span>eg 3<span class=\"_ _76\"> </span></span><span style=\"display:inherit;clear:left;\">-60<span class=\"_ _87\"> </span><span class=\"ls84 wsdf\">-36<span class=\"_ _8\"></span>5<span class=\"_ _cd\"> </span><span class=\"ls8 ws8\">-<span class=\"_ _8\"></span>425</span></span></span><span style=\"display:inherit;clear:left;\">163<span class=\"_ _86\"> </span><span class=\"ls4a ws9d\">768<span class=\"_ _94\"> </span><span class=\"ls84 wsdf\">931<span class=\"_ _11a\"> </span></span></span>Net<span class=\"_ _1\"></span>to misligholdt<span class=\"_ _1\"></span>e og tapsutsa<span class=\"_ _2\"></span>tte utl\u00e5n<span class=\"_ _23c\"> </span></span><span style=\"display:inherit;clear:left;\">262<span class=\"_ _6f\"> </span><span class=\"ls147 ws1f7\">7<span class=\"_ _38\"></span>74<span class=\"_ _b7\"> </span><span class=\"ls135 ws1e2\">1 036</span></span></span><span style=\"display:inherit;clear:left;\">31/12-<span class=\"_ _1\"></span>2022<span class=\"_ _1bf\"> </span>31/12<span class=\"_ _1\"></span>-<span class=\"_ _1\"></span>2022</span><span style=\"display:inherit;clear:left;\">Pers<span class=\"_ _8\"></span>on-</span><span style=\"display:inherit;clear:left;\">Be<span class=\"_ _8\"></span>d<span class=\"_ _8\"></span>ri<span class=\"_ _8\"></span>ft<span class=\"_ _8\"></span>s-<span class=\"ls0 ws0\"> </span></span><span style=\"display:inherit;clear:left;\">Pers<span class=\"_ _8\"></span>on-</span><span style=\"display:inherit;clear:left;\">Be<span class=\"_ _8\"></span>d<span class=\"_ _8\"></span>ri<span class=\"_ _8\"></span>ft<span class=\"_ _8\"></span>s-<span class=\"ls0 ws0\"> </span></span><span style=\"display:inherit;clear:left;\">marked</span><span style=\"display:inherit;clear:left;\">marked<span class=\"_ _a3\"> </span><span class=\"ls142 ws1f1\">To<span class=\"_ _8\"></span>t<span class=\"_ _a\"></span>a<span class=\"_ _a\"></span>l<span class=\"_ _8\"></span>t</span></span><span style=\"display:inherit;clear:left;\">marked</span><span style=\"display:inherit;clear:left;\">marked<span class=\"_ _a3\"> </span><span class=\"ls142 ws1f1\">To<span class=\"_ _8\"></span>t<span class=\"_ _a\"></span>a<span class=\"_ _a\"></span>l<span class=\"_ _8\"></span>t</span></span><span style=\"display:inherit;clear:left;\">62<span class=\"_ _189\"> </span></span><span style=\"display:inherit;clear:left;\">355<span class=\"_ _ba\"> </span></span><span style=\"display:inherit;clear:left;\">41<span class=\"_ _8\"></span>8<span class=\"_ _b8\"> </span></span><span style=\"display:inherit;clear:left;\">Utl\u00e5n med betalingsmislighold ov<span class=\"_ _1\"></span>er 90<span class=\"_ _1\"></span> dager<span class=\"_ _25d\"> </span></span><span style=\"display:inherit;clear:left;\">112<span class=\"_ _8e\"> </span><span class=\"ls33 ws84\">360<span class=\"_ _6f\"> </span><span class=\"ls13e ws1ec\">472</span></span></span><span style=\"display:inherit;clear:left;\">76<span class=\"_ _94\"> </span></span><span style=\"display:inherit;clear:left;\">613<span class=\"_ _65\"> </span></span><span style=\"display:inherit;clear:left;\">689<span class=\"_ _11a\"> </span></span><span style=\"display:inherit;clear:left;\">\u00d8<span class=\"_ _8\"></span>vrige<span class=\"_ _1\"></span> tapsutsatte u<span class=\"_ _1\"></span>tl\u00e5n <span class=\"_ _25e\"> </span></span><span style=\"display:inherit;clear:left;\">160<span class=\"_ _6e\"> </span><span class=\"ls9a wsf7\">618<span class=\"_ _108\"> </span><span class=\"lsfc ws15e\">7<span class=\"_ _8\"></span>79</span></span></span><span style=\"display:inherit;clear:left;\">138<span class=\"_ _9b\"> </span></span><span style=\"display:inherit;clear:left;\">968<span class=\"_ _89\"> </span></span><span style=\"display:inherit;clear:left;\">1 10<span class=\"_ _1\"></span>7<span class=\"_ _b9\"> </span></span><span style=\"display:inherit;clear:left;\">Sum misligholdte<span class=\"_ _1\"></span> og tapsutsa<span class=\"_ _1\"></span>tte<span class=\"_ _1\"></span> utl\u00e5n<span class=\"_ _8c\"> </span></span><span style=\"display:inherit;clear:left;\">272<span class=\"_ _65\"> </span><span class=\"ls62 wsb6\">978<span class=\"_ _cc\"> </span><span class=\"ls133 ws1e0\">1<span class=\"_ _8\"></span> 250</span></span></span><span style=\"display:inherit;clear:left;\">-24<span class=\"_ _cd\"> </span></span><span style=\"display:inherit;clear:left;\">-<span class=\"_ _8\"></span>403<span class=\"_ _87\"> </span></span><span style=\"display:inherit;clear:left;\">-<span class=\"_ _8\"></span>427<span class=\"_ _b8\"> </span></span><span style=\"display:inherit;clear:left;\"> - T<span class=\"_ _0\"></span>otale nedskriving<span class=\"_ _1\"></span>er st<span class=\"_ _1\"></span>eg 3<span class=\"_ _76\"> </span></span><span style=\"display:inherit;clear:left;\">-3<span class=\"_ _8\"></span>4<span class=\"_ _90\"> </span><span class=\"ls108 ws16a\">-404<span class=\"_ _87\"> </span><span class=\"ls61 wsb5\">-<span class=\"_ _8\"></span>4<span class=\"_ _a\"></span>37</span></span></span><span style=\"display:inherit;clear:left;\">114<span class=\"_ _189\"> </span><span class=\"ls82 ws14b\">565<span class=\"_ _8e\"> </span><span class=\"ls83 wsdd\">680<span class=\"_ _11a\"> </span></span></span>Nett<span class=\"_ _1\"></span>o misligholdt<span class=\"_ _1\"></span>e og tapsutsa<span class=\"_ _1\"></span>tt<span class=\"_ _1\"></span>e utl\u00e5n<span class=\"_ _23c\"> </span></span><span style=\"display:inherit;clear:left;\">239<span class=\"_ _6f\"> </span><span class=\"ls109 ws16b\">575<span class=\"_ _ba\"> </span><span class=\"ls82 ws14b\">81<span class=\"_ _8\"></span>3</span></span></span><span style=\"display:inherit;clear:left;\">Aldersfordeling<span class=\"_ _1\"></span> a<span class=\"_ _1\"></span>v betalingsmislighold</span><span style=\"display:inherit;clear:left;\">T<span class=\"_ _2\"></span>abellen viser balansef\u00f8rt v<span class=\"_ _1\"></span>erdi<span class=\"_ _1\"></span> av<span class=\"_ _1\"></span> utl\u00e5n r<span class=\"_ _1\"></span>egistrert med betalingsmislighold, h<span class=\"_ _1\"></span>vor<span class=\"_ _1\"></span> misligholdet ov<span class=\"_ _1\"></span>erstiger<span class=\"_ _1\"></span> 1 000 kr<span class=\"_ _1\"></span>oner p\u00e5<span class=\"_ _1\"></span> en a<span class=\"_ _1\"></span>v </span><span style=\"display:inherit;clear:left;\">engasjementets<span class=\"_ _1\"></span> kon<span class=\"_ _1\"></span>ti og utg<span class=\"_ _8\"></span>j\u00f8r minst<span class=\"_ _1\"></span> 1 %<span class=\"_ _1\"></span> av<span class=\"_ _1\"></span> engasjemente<span class=\"_ _1\"></span>ts st\u00f8rr<span class=\"_ _1\"></span>else f<span class=\"_ _1\"></span>or Per<span class=\"_ _1\"></span>sonmarked. Til<span class=\"_ _1\"></span>svar<span class=\"_ _1\"></span>ende g<span class=\"_ _8\"></span>jelder f<span class=\"_ _1\"></span>or Bedriftsmarked, </span><span style=\"display:inherit;clear:left;\">men her er<span class=\"_ _1\"></span> bel\u00f8psgrensen<span class=\"_ _1\"></span> 2 000 kr<span class=\"_ _1\"></span>oner<span class=\"_ _0\"></span>. </span><span style=\"display:inherit;clear:left;\">MORBANK<span class=\"_ _12c\"> </span><span class=\"lsc wsc\">KONSERN</span></span><span style=\"display:inherit;clear:left;\">31/12-<span class=\"_ _1\"></span>2023<span class=\"_ _1bf\"> </span>31/12-<span class=\"_ _2\"></span>202<span class=\"_ _8\"></span>3</span><span style=\"display:inherit;clear:left;\">Pers<span class=\"_ _8\"></span>on-</span><span style=\"display:inherit;clear:left;\">Be<span class=\"_ _8\"></span>d<span class=\"_ _8\"></span>ri<span class=\"_ _8\"></span>ft<span class=\"_ _8\"></span>s-<span class=\"ls0 ws0\"> </span></span><span style=\"display:inherit;clear:left;\">Pers<span class=\"_ _8\"></span>on-</span><span style=\"display:inherit;clear:left;\">Be<span class=\"_ _8\"></span>d<span class=\"_ _8\"></span>ri<span class=\"_ _8\"></span>ft<span class=\"_ _8\"></span>s-<span class=\"ls0 ws0\"> </span></span><span style=\"display:inherit;clear:left;\">marked</span><span style=\"display:inherit;clear:left;\">marked<span class=\"_ _a3\"> </span><span class=\"ls142 ws1f1\">To<span class=\"_ _8\"></span>t<span class=\"_ _a\"></span>a<span class=\"_ _a\"></span>l<span class=\"_ _8\"></span>t</span></span><span style=\"display:inherit;clear:left;\">marked</span><span style=\"display:inherit;clear:left;\">marked<span class=\"_ _a3\"> </span><span class=\"ls142 ws1f1\">To<span class=\"_ _8\"></span>t<span class=\"_ _a\"></span>a<span class=\"_ _a\"></span>l<span class=\"_ _8\"></span>t</span></span><span style=\"display:inherit;clear:left;\">80<span class=\"_ _9b\"> </span></span><span style=\"display:inherit;clear:left;\">4<span class=\"_ _8\"></span>07<span class=\"_ _86\"> </span></span><span style=\"display:inherit;clear:left;\">4<span class=\"_ _8\"></span>87<span class=\"_ _b8\"> </span></span><span style=\"display:inherit;clear:left;\">Inntil<span class=\"_ _1\"></span> 30 dager<span class=\"_ _25f\"> </span></span><span style=\"display:inherit;clear:left;\">163<span class=\"_ _108\"> </span><span class=\"ls59 wsac\">41<span class=\"_ _8\"></span>0<span class=\"_ _6e\"> </span><span class=\"ls12f ws1d9\">573</span></span></span><span style=\"display:inherit;clear:left;\">26<span class=\"_ _94\"> </span><span class=\"ls6 ws6\">1<span class=\"_ _a\"></span>07<span class=\"_ _74\"> </span><span class=\"ls9 ws9\">133<span class=\"_ _b9\"> </span><span class=\"ls0 ws0\">31\u201390 dager<span class=\"_ _14f\"> </span><span class=\"ls31 ws81\">57<span class=\"_ _94\"> </span></span></span></span>1<span class=\"_ _a\"></span>07<span class=\"_ _ba\"> </span><span class=\"ls0 ws0\">164</span></span></span><span style=\"display:inherit;clear:left;\">87<span class=\"_ _86\"> </span></span><span style=\"display:inherit;clear:left;\">6<span class=\"_ _8\"></span>69<span class=\"_ _6f\"> </span></span><span style=\"display:inherit;clear:left;\">756<span class=\"_ _b8\"> </span></span><span style=\"display:inherit;clear:left;\">Mer enn 90 dager<span class=\"_ _179\"> </span>116<span class=\"_ _6f\"> </span><span class=\"ls137 ws1e4\">672<span class=\"_ _108\"> </span><span class=\"ls61 wsb5\">78<span class=\"_ _8\"></span>8</span></span></span><span style=\"display:inherit;clear:left;\">193<span class=\"_ _89\"> </span><span class=\"ls0 ws0\">1 182<span class=\"_ _b7\"> </span><span class=\"ls61 wsb5\">1<span class=\"_ _a\"></span> 376<span class=\"_ _b8\"> </span></span>Brutt<span class=\"_ _1\"></span>o utl\u00e5n med be<span class=\"_ _1\"></span>talingsmislighold<span class=\"_ _260\"> </span><span class=\"ls61 wsb5\">3<span class=\"_ _8\"></span>37<span class=\"_ _89\"> </span></span>1 188<span class=\"_ _cb\"> </span><span class=\"ls8 ws8\">1<span class=\"_ _8\"></span> 525</span></span></span><span style=\"display:inherit;clear:left;\">31/12-<span class=\"_ _1\"></span>2022<span class=\"_ _1bf\"> </span>31/12<span class=\"_ _1\"></span>-<span class=\"_ _1\"></span>2022</span><span style=\"display:inherit;clear:left;\">Pers<span class=\"_ _8\"></span>on-</span><span style=\"display:inherit;clear:left;\">Be<span class=\"_ _8\"></span>d<span class=\"_ _8\"></span>ri<span class=\"_ _8\"></span>ft<span class=\"_ _8\"></span>s-<span class=\"ls0 ws0\"> </span></span><span style=\"display:inherit;clear:left;\">Pers<span class=\"_ _8\"></span>on-</span><span style=\"display:inherit;clear:left;\">Be<span class=\"_ _8\"></span>d<span class=\"_ _8\"></span>ri<span class=\"_ _8\"></span>ft<span class=\"_ _8\"></span>s-<span class=\"ls0 ws0\"> </span></span><span style=\"display:inherit;clear:left;\">marked</span><span style=\"display:inherit;clear:left;\">marked<span class=\"_ _a3\"> </span><span class=\"ls142 ws1f1\">To<span class=\"_ _8\"></span>t<span class=\"_ _a\"></span>a<span class=\"_ _a\"></span>l<span class=\"_ _8\"></span>t</span></span><span style=\"display:inherit;clear:left;\">marked</span><span style=\"display:inherit;clear:left;\">marked<span class=\"_ _a3\"> </span><span class=\"ls142 ws1f1\">To<span class=\"_ _8\"></span>t<span class=\"_ _a\"></span>a<span class=\"_ _a\"></span>l<span class=\"_ _8\"></span>t</span></span><span style=\"display:inherit;clear:left;\">79<span class=\"_ _94\"> </span></span><span style=\"display:inherit;clear:left;\">1<span class=\"_ _8\"></span>74<span class=\"_ _86\"> </span></span><span style=\"display:inherit;clear:left;\">254<span class=\"_ _11a\"> </span></span><span style=\"display:inherit;clear:left;\">Inntil 30 dager<span class=\"_ _14e\"> </span></span><span style=\"display:inherit;clear:left;\">165<span class=\"_ _6e\"> </span><span class=\"ls9a wsf7\">180<span class=\"_ _8e\"> </span><span class=\"ls133 ws1e0\">346</span></span></span><span style=\"display:inherit;clear:left;\">30<span class=\"_ _74\"> </span><span class=\"ls31 ws81\">175<span class=\"_ _65\"> </span><span class=\"ls125 ws1cf\">20<span class=\"_ _8\"></span>5<span class=\"_ _11a\"> </span><span class=\"ls0 ws0\">31\u201360 dager<span class=\"_ _1fb\"> </span>64<span class=\"_ _94\"> </span></span></span>1<span class=\"_ _8\"></span>75<span class=\"_ _6f\"> </span><span class=\"ls136 ws1e3\">239</span></span></span><span style=\"display:inherit;clear:left;\">62<span class=\"_ _65\"> </span></span><span style=\"display:inherit;clear:left;\">355<span class=\"_ _ba\"> </span></span><span style=\"display:inherit;clear:left;\">41<span class=\"_ _a\"></span>8<span class=\"_ _b8\"> </span></span><span style=\"display:inherit;clear:left;\">Mer enn 90 dager<span class=\"_ _179\"> </span>112<span class=\"_ _189\"> </span><span class=\"ls12c ws1d6\">360<span class=\"_ _108\"> </span><span class=\"ls13e ws1ec\">47<span class=\"_ _8\"></span>2</span></span></span><span style=\"display:inherit;clear:left;\">171<span class=\"_ _65\"> </span><span class=\"ls4a ws9d\">705<span class=\"_ _108\"> </span>876<span class=\"_ _b8\"> </span></span>Brutt<span class=\"_ _1\"></span>o utl\u00e5n med be<span class=\"_ _1\"></span>talingsmislighold<span class=\"_ _ef\"> </span><span class=\"ls16 ws16\">3<span class=\"_ _8\"></span>41<span class=\"_ _ba\"> </span></span>716<span class=\"_ _cc\"> </span><span class=\"ls108 ws16a\">1<span class=\"_ _8\"></span> 056</span></span>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfLoansAndAdvancesToCustomersExplanatory",
    "language": "no",
    "entity": "scheme:213800M7T3CYVZ3ZRT12",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "s10_notes__6__44": {
   "value": "<span style=\"display:inherit;clear:left;\">No<span class=\"_ _1\"></span>te 11 Besk<span class=\"_ _8\"></span>r<span class=\"_ _8\"></span>iv<span class=\"_ _1\"></span>e<span class=\"_ _1\"></span>lse a<span class=\"_ _2\"></span>v nedsk<span class=\"_ _8\"></span>rivi<span class=\"_ _8\"></span>ngsmode<span class=\"_ _1\"></span>ll etter IFR<span class=\"_ _8\"></span>S 9</span><span style=\"display:inherit;clear:left;\">Denne not<span class=\"_ _1\"></span>e beskriv<span class=\"_ _1\"></span>er bankens modell f<span class=\"_ _1\"></span>or nedskriving a<span class=\"_ _1\"></span>v </span><span style=\"display:inherit;clear:left;\">finansielle eiendeler som er gjeldsinstrumen<span class=\"_ _1\"></span>ter og som ikk<span class=\"_ _1\"></span>e </span><span style=\"display:inherit;clear:left;\">klassifiser<span class=\"_ _1\"></span>er til virkelig v<span class=\"_ _1\"></span>er<span class=\"_ _1\"></span>di o<span class=\"_ _1\"></span>v<span class=\"_ _1\"></span>er r<span class=\"_ _1\"></span>esulta<span class=\"_ _1\"></span>t. De gener<span class=\"_ _1\"></span>elle </span><span style=\"display:inherit;clear:left;\">prinsipper for ne<span class=\"_ _1\"></span>dskriving er beskre<span class=\"_ _1\"></span>v<span class=\"_ _1\"></span>et i no<span class=\"_ _1\"></span>t<span class=\"_ _1\"></span>e 13.</span><span style=\"display:inherit;clear:left;\">Sparebank<span class=\"_ _1\"></span>en V<span class=\"_ _2\"></span>est har lage<span class=\"_ _1\"></span>t en rutine f<span class=\"_ _1\"></span>or kv<span class=\"_ _1\"></span>artalsvis ber<span class=\"_ _1\"></span>egning </span><span style=\"display:inherit;clear:left;\">a<span class=\"_ _1\"></span>v tap som b<span class=\"_ _1\"></span>y<span class=\"_ _1\"></span>gger p\u00e5 his<span class=\"_ _1\"></span>torikk o<span class=\"_ _1\"></span>v<span class=\"_ _1\"></span>er kon<span class=\"_ _1\"></span>t<span class=\"_ _1\"></span>o- og kundeda<span class=\"_ _1\"></span>ta f<span class=\"_ _1\"></span>or hele </span><span style=\"display:inherit;clear:left;\">kredit<span class=\"_ _1\"></span>tporte<span class=\"_ _1\"></span>f<span class=\"_ _1\"></span>\u00f8ljen, utl\u00e5n, kr<span class=\"_ _1\"></span>editt og gar<span class=\"_ _1\"></span>an<span class=\"_ _1\"></span>tier<span class=\"_ _0\"></span>.</span><span style=\"display:inherit;clear:left;\">M\u00e5let f<span class=\"_ _1\"></span>or modellen er \u00e5 ber<span class=\"_ _1\"></span>egne f<span class=\"_ _1\"></span>orven<span class=\"_ _1\"></span>t<span class=\"_ _1\"></span>et kr<span class=\"_ _1\"></span>edit<span class=\"_ _1\"></span>tap (ECL) som er </span><span style=\"display:inherit;clear:left;\">frema<span class=\"_ _1\"></span>dskuende og f<span class=\"_ _1\"></span>orven<span class=\"_ _1\"></span>tningsr<span class=\"_ _1\"></span>e<span class=\"_ _1\"></span>tt.</span><span style=\"display:inherit;clear:left;\">T<span class=\"_ _0\"></span>apsestimat<span class=\"_ _1\"></span>ene ber<span class=\"_ _1\"></span>egnes basert p\u00e5 12 m\u00e5neders og livslang </span><span style=\"display:inherit;clear:left;\">sannsynlighe<span class=\"_ _1\"></span>t f<span class=\"_ _1\"></span>or kundens mislighold (pr<span class=\"_ _1\"></span>obability o<span class=\"_ _1\"></span>f def<span class=\"_ _1\"></span>ault </span><span style=\"display:inherit;clear:left;\">\u2013 PD), tap gitt mislighold (loss given de<span class=\"_ _1\"></span>f<span class=\"_ _1\"></span>ault \u2013 L<span class=\"_ _2\"></span>GD) og </span><span style=\"display:inherit;clear:left;\">eksponering v<span class=\"_ _1\"></span>ed mislighold (e<span class=\"_ _1\"></span>xposur<span class=\"_ _1\"></span>e a<span class=\"_ _1\"></span>t def<span class=\"_ _2\"></span>ault \u2013 EAD). Historikk </span><span style=\"display:inherit;clear:left;\">for observ<span class=\"_ _1\"></span>ert misligholdsr<span class=\"_ _1\"></span>a<span class=\"_ _1\"></span>te (PD) og observ<span class=\"_ _1\"></span>ert tapsgra<span class=\"_ _1\"></span>d (L<span class=\"_ _1\"></span>GD) </span><span style=\"display:inherit;clear:left;\">danner grunnlag for \u00e5 lag<span class=\"_ _1\"></span>e gode e<span class=\"_ _1\"></span>stima<span class=\"_ _1\"></span>t<span class=\"_ _1\"></span>er p\u00e5 fr<span class=\"_ _1\"></span>emtidig<span class=\"_ _1\"></span>e v<span class=\"_ _1\"></span>erdier </span><span style=\"display:inherit;clear:left;\">for PD og L<span class=\"_ _2\"></span>GD. Bank<span class=\"_ _1\"></span>en benyt<span class=\"_ _1\"></span>ter en eg<span class=\"_ _1\"></span>enutvikle<span class=\"_ _1\"></span>t makromodell f<span class=\"_ _1\"></span>or </span><span style=\"display:inherit;clear:left;\">\u00e5 kunne gi frema<span class=\"_ _1\"></span>dskuende estima<span class=\"_ _2\"></span>ter for PD<span class=\"_ _1\"></span>, mens L<span class=\"_ _2\"></span>GD-</span><span style=\"display:inherit;clear:left;\">modellene har inneb<span class=\"_ _1\"></span>y<span class=\"_ _1\"></span>gge<span class=\"_ _1\"></span>t makr<span class=\"_ _1\"></span>opar<span class=\"_ _1\"></span>amet<span class=\"_ _1\"></span>er<span class=\"_ _1\"></span>e. F<span class=\"_ _1\"></span>r<span class=\"_ _1\"></span>ema<span class=\"_ _1\"></span>dskuende </span><span style=\"display:inherit;clear:left;\">EAD baseres p\u00e5 a<span class=\"_ _2\"></span>vtalt nedbetalingsplan og observerte niv<span class=\"_ _2\"></span>\u00e5er p\u00e5 </span><span style=\"display:inherit;clear:left;\">f<span class=\"_ _1\"></span>aktiske nedbe<span class=\"_ _1\"></span>talinger og inn<span class=\"_ _1\"></span>frielser<span class=\"_ _0\"></span>. Alle estima<span class=\"_ _1\"></span>ter se<span class=\"_ _1\"></span>t<span class=\"_ _1\"></span>tes mes<span class=\"_ _1\"></span>t </span><span style=\"display:inherit;clear:left;\">mulig forv<span class=\"_ _1\"></span>en<span class=\"_ _1\"></span>tningsr<span class=\"_ _1\"></span>et<span class=\"_ _1\"></span>te. De skiller seg dermed fr<span class=\"_ _1\"></span>a tils<span class=\"_ _1\"></span>v<span class=\"_ _1\"></span>ar<span class=\"_ _1\"></span>ende </span><span style=\"display:inherit;clear:left;\">estima<span class=\"_ _1\"></span>t<span class=\"_ _1\"></span>er f<span class=\"_ _1\"></span>or PD<span class=\"_ _1\"></span>, L<span class=\"_ _1\"></span>GD og EAD som inng\u00e5r i k<span class=\"_ _1\"></span>apitalber<span class=\"_ _1\"></span>egningen. I </span><span style=\"display:inherit;clear:left;\">kapitalber<span class=\"_ _1\"></span>egning er estima<span class=\"_ _1\"></span>t<span class=\"_ _1\"></span>ene mer konserv<span class=\"_ _1\"></span>a<span class=\"_ _1\"></span>tiv<span class=\"_ _1\"></span>e v<span class=\"_ _1\"></span>ed bl.a. \u00e5 </span><span style=\"display:inherit;clear:left;\">inkludere sikk<span class=\"_ _1\"></span>erhe<span class=\"_ _1\"></span>tsmar<span class=\"_ _1\"></span>giner/MoC samtidig som L<span class=\"_ _1\"></span>GD og EAD er </span><span style=\"display:inherit;clear:left;\">estimert f<span class=\"_ _1\"></span>or alv<span class=\"_ _1\"></span>orlig nedgangskonjunktur<span class=\"_ _0\"></span>.</span><span style=\"display:inherit;clear:left;\">I tr\u00e5<span class=\"_ _1\"></span>d med IFRS 9 grupper<span class=\"_ _1\"></span>er banken sine utl\u00e5n i tr<span class=\"_ _1\"></span>e s<span class=\"_ _1\"></span>teg basert </span><span style=\"display:inherit;clear:left;\">p\u00e5 misligholdssannsynlighe<span class=\"_ _1\"></span>t<span class=\"_ _1\"></span>er (PD) p\u00e5 innr<span class=\"_ _1\"></span>egningstidspunkt<span class=\"_ _1\"></span>et </span><span style=\"display:inherit;clear:left;\">sammenlignet med misligholds<span class=\"_ _1\"></span>sannsynlig<span class=\"_ _1\"></span>et p\u00e5 balanse<span class=\"_ _1\"></span>dagen, </span><span style=\"display:inherit;clear:left;\">samt a<span class=\"_ _2\"></span>vsjekk mot wa<span class=\"_ _2\"></span>tchlist, forbear<span class=\"_ _1\"></span>ance og a<span class=\"_ _2\"></span>vdrag som er mer </span><span style=\"display:inherit;clear:left;\">enn 30 dag<span class=\"_ _1\"></span>er et<span class=\"_ _1\"></span>ter f<span class=\"_ _1\"></span>orf<span class=\"_ _1\"></span>all. Tildeling til st<span class=\"_ _1\"></span>eg 1, 2 eller 3 gj\u00f8r<span class=\"_ _1\"></span>es </span><span style=\"display:inherit;clear:left;\">alts\u00e5 f<span class=\"_ _1\"></span>or det enk<span class=\"_ _1\"></span>elte l\u00e5n (eller eng<span class=\"_ _1\"></span>asjement). En enk<span class=\"_ _1\"></span>elt kunde kan </span><span style=\"display:inherit;clear:left;\">dermed ha l\u00e5n i ulike s<span class=\"_ _1\"></span>teg. </span><span style=\"display:inherit;clear:left;\">Banken ben<span class=\"_ _1\"></span>ytt<span class=\"_ _1\"></span>er samme PD-modell som i IRB, men uten </span><span style=\"display:inherit;clear:left;\">kalibr<span class=\"_ _1\"></span>ering, det vil si uten sikk<span class=\"_ _1\"></span>erhe<span class=\"_ _1\"></span>tsmarginer sammen med </span><span style=\"display:inherit;clear:left;\">makromodellen, som e<span class=\"_ _1\"></span>t utgangspunkt f<span class=\"_ _1\"></span>or vur<span class=\"_ _1\"></span>dering a<span class=\"_ _1\"></span>v \u00f8kt </span><span style=\"display:inherit;clear:left;\">kredit<span class=\"_ _1\"></span>trisik<span class=\"_ _1\"></span>o. P<span class=\"_ _1\"></span>er 31. de<span class=\"_ _1\"></span>sember 20<span class=\"_ _1\"></span>23 ben<span class=\"_ _1\"></span>ytt<span class=\"_ _1\"></span>es IRB-modeller som </span><span style=\"display:inherit;clear:left;\">ligger til behandling hos Finans<span class=\"_ _1\"></span>tilsyne<span class=\"_ _1\"></span>t som grunnlag f<span class=\"_ _1\"></span>or IFRS-</span><span style=\"display:inherit;clear:left;\">modellen. V<span class=\"_ _2\"></span>alidering av modellene viser a<span class=\"_ _1\"></span>t tr<span class=\"_ _1\"></span>e<span class=\"_ _1\"></span>ffsikk<span class=\"_ _1\"></span>erhet<span class=\"_ _1\"></span>en f<span class=\"_ _1\"></span>or </span><span style=\"display:inherit;clear:left;\">PD-estima<span class=\"_ _1\"></span>t<span class=\"_ _1\"></span>ene dr<span class=\"_ _1\"></span>a PD-modellene er god, b\u00e5de p\u00e5 k<span class=\"_ _1\"></span>orter<span class=\"_ _1\"></span>e og </span><span style=\"display:inherit;clear:left;\">lengre horison<span class=\"_ _1\"></span>t. Le<span class=\"_ _1\"></span>ve<span class=\"_ _1\"></span>tid er sa<span class=\"_ _1\"></span>t<span class=\"_ _1\"></span>t lik r<span class=\"_ _1\"></span>est<span class=\"_ _1\"></span>er<span class=\"_ _1\"></span>ende l\u00f8petid f<span class=\"_ _1\"></span>or de </span><span style=\"display:inherit;clear:left;\">engasjemen<span class=\"_ _1\"></span>t som har inf<span class=\"_ _1\"></span>ormasjon om a<span class=\"_ _1\"></span>vtalt inn<span class=\"_ _1\"></span>frielse.</span><span style=\"display:inherit;clear:left;\">St<span class=\"_ _1\"></span>eg 1: <span class=\"ff4\">Det<span class=\"_ _1\"></span>te er s<span class=\"_ _1\"></span>tartpunkt f<span class=\"_ _1\"></span>or alle finansielle eiendeler omf<span class=\"_ _1\"></span>a<span class=\"_ _2\"></span>ttet </span></span><span style=\"display:inherit;clear:left;\">a<span class=\"_ _1\"></span>v den gener<span class=\"_ _1\"></span>elle tapsmodellen. Alle eiendeler som ikk<span class=\"_ _1\"></span>e har </span><span style=\"display:inherit;clear:left;\">vesen<span class=\"_ _1\"></span>tlig h\u00f8<span class=\"_ _1\"></span>y<span class=\"_ _1\"></span>er<span class=\"_ _1\"></span>e kr<span class=\"_ _1\"></span>edittrisik<span class=\"_ _1\"></span>o enn v<span class=\"_ _1\"></span>ed f<span class=\"_ _1\"></span>\u00f8rst<span class=\"_ _1\"></span>egangsinnr<span class=\"_ _1\"></span>egning f<span class=\"_ _1\"></span>\u00e5r </span><span style=\"display:inherit;clear:left;\">en a<span class=\"_ _1\"></span>vse<span class=\"_ _1\"></span>tning til tap som tilsv<span class=\"_ _1\"></span>ar<span class=\"_ _1\"></span>er 12 m\u00e5neders f<span class=\"_ _1\"></span>orv<span class=\"_ _1\"></span>en<span class=\"_ _1\"></span>te<span class=\"_ _1\"></span>t tap, de<span class=\"_ _1\"></span>t </span><span style=\"display:inherit;clear:left;\">vil si tap knyt<span class=\"_ _1\"></span>te<span class=\"_ _1\"></span>t til po<span class=\"_ _1\"></span>tensielle hendelser i l\u00f8pe<span class=\"_ _1\"></span>t a<span class=\"_ _1\"></span>v 12 m\u00e5neder </span><span style=\"display:inherit;clear:left;\">et<span class=\"_ _1\"></span>ter r<span class=\"_ _1\"></span>apporteringsda<span class=\"_ _2\"></span>to. I denne ka<span class=\"_ _1\"></span>t<span class=\"_ _1\"></span>egorien ligg<span class=\"_ _1\"></span>er alle eiendeler </span><span style=\"display:inherit;clear:left;\">som ikke er o<span class=\"_ _1\"></span>v<span class=\"_ _1\"></span>erf\u00f8rt til s<span class=\"_ _1\"></span>teg 2 eller 3<span class=\"_ _1\"></span>. </span><span style=\"display:inherit;clear:left;\">St<span class=\"_ _1\"></span>eg 2:<span class=\"ff4\"> I st<span class=\"_ _1\"></span>eg 2 klassifiser<span class=\"_ _1\"></span>es eiendeler som har ha<span class=\"_ _1\"></span>t<span class=\"_ _1\"></span>t en vesen<span class=\"_ _1\"></span>tlig </span></span><span style=\"display:inherit;clear:left;\">\u00f8kning i kredit<span class=\"_ _1\"></span>trisik<span class=\"_ _1\"></span>o siden f\u00f8r<span class=\"_ _1\"></span>st<span class=\"_ _1\"></span>egangsinnr<span class=\"_ _1\"></span>egning, og hv<span class=\"_ _1\"></span>or det </span><span style=\"display:inherit;clear:left;\">ikke er objektiv<span class=\"_ _1\"></span>e bevis p\u00e5 tap (se de<span class=\"_ _1\"></span>finisjon under s<span class=\"_ _1\"></span>teg 3). F<span class=\"_ _2\"></span>or </span><span style=\"display:inherit;clear:left;\">disse eiendelene skal de<span class=\"_ _1\"></span>t a<span class=\"_ _1\"></span>vse<span class=\"_ _1\"></span>tt<span class=\"_ _1\"></span>es f<span class=\"_ _1\"></span>or f<span class=\"_ _1\"></span>orven<span class=\"_ _1\"></span>t<span class=\"_ _1\"></span>et tap o<span class=\"_ _1\"></span>v<span class=\"_ _1\"></span>er </span><span style=\"display:inherit;clear:left;\">lev<span class=\"_ _1\"></span>e<span class=\"_ _1\"></span>tiden. I denne gruppen finner vi utl\u00e5n med vesen<span class=\"_ _1\"></span>tlig \u00f8kt </span><span style=\"display:inherit;clear:left;\">kredit<span class=\"_ _1\"></span>trisik<span class=\"_ _1\"></span>o og som ikke er i mislighold (dv<span class=\"_ _1\"></span>s ikke i s<span class=\"_ _1\"></span>teg 3<span class=\"_ _1\"></span>, se </span><span style=\"display:inherit;clear:left;\">nedenf<span class=\"_ _1\"></span>or). N\u00e5r de<span class=\"_ _1\"></span>t gjelder a<span class=\"_ _1\"></span>v<span class=\"_ _1\"></span>gr<span class=\"_ _1\"></span>ensing mot s<span class=\"_ _1\"></span>teg 1 de<span class=\"_ _1\"></span>finer<span class=\"_ _1\"></span>er </span><span style=\"display:inherit;clear:left;\">banken selv h<span class=\"_ _1\"></span>v<span class=\"_ _1\"></span>a som er vesen<span class=\"_ _1\"></span>tlig \u00f8kning i kr<span class=\"_ _1\"></span>edit<span class=\"_ _1\"></span>trisiko<span class=\"_ _1\"></span>. IFRS 9 </span><span style=\"display:inherit;clear:left;\">beskriver imidlertid a<span class=\"_ _1\"></span>t de<span class=\"_ _1\"></span>t vil ha v<span class=\"_ _1\"></span>\u00e6rt en v<span class=\"_ _1\"></span>esentlig \u00f8kning i </span><span style=\"display:inherit;clear:left;\">kredit<span class=\"_ _1\"></span>trisik<span class=\"_ _1\"></span>o, med mindr<span class=\"_ _1\"></span>e de<span class=\"_ _1\"></span>tt<span class=\"_ _1\"></span>e kan tilbake<span class=\"_ _1\"></span>vises, dersom </span><span style=\"display:inherit;clear:left;\">signifikant o<span class=\"_ _1\"></span>v<span class=\"_ _1\"></span>ertr<span class=\"_ _1\"></span>ekk har v<span class=\"_ _1\"></span>arighet p\u00e5 3<span class=\"_ _1\"></span>0 til 90 dager (90 dag<span class=\"_ _1\"></span>er </span><span style=\"display:inherit;clear:left;\">eller mer er definert som e<span class=\"_ _1\"></span>t mislighold). </span><span style=\"display:inherit;clear:left;\">PD</span><span style=\"display:inherit;clear:left;\">Banken ben<span class=\"_ _1\"></span>ytt<span class=\"_ _1\"></span>er PD-niv<span class=\"_ _1\"></span>\u00e5 som det prim\u00e6r<span class=\"_ _1\"></span>e krit<span class=\"_ _1\"></span>erie<span class=\"_ _1\"></span>t for v<span class=\"_ _1\"></span>esen<span class=\"_ _1\"></span>tlig </span><span style=\"display:inherit;clear:left;\">\u00f8kt kredit<span class=\"_ _1\"></span>trisik<span class=\"_ _1\"></span>o. Pr<span class=\"_ _1\"></span>edik<span class=\"_ _1\"></span>ert PD p\u00e5 rapport<span class=\"_ _1\"></span>eringstidspunkt </span><span style=\"display:inherit;clear:left;\">sammenlignes med pr<span class=\"_ _1\"></span>edikert PD i sist<span class=\"_ _1\"></span>e tilgjengelig<span class=\"_ _1\"></span>e modell-</span><span style=\"display:inherit;clear:left;\">ver<span class=\"_ _1\"></span>sjon r<span class=\"_ _1\"></span>escor<span class=\"_ _1\"></span>et v<span class=\"_ _1\"></span>ed inn<span class=\"_ _1\"></span>vilgelse. Hvis f<span class=\"_ _1\"></span>\u00f8lg<span class=\"_ _1\"></span>ende kriterier er </span><span style=\"display:inherit;clear:left;\">oppfylt klassifiser<span class=\"_ _1\"></span>er engasjemen<span class=\"_ _1\"></span>t<span class=\"_ _1\"></span>et i s<span class=\"_ _1\"></span>teg 2:</span><span style=\"display:inherit;clear:left;\">\u2022 <span class=\"_ _8\"></span>PD mer enn doblet siden innvilg<span class=\"_ _1\"></span>else</span><span style=\"display:inherit;clear:left;\">\u2022 <span class=\"_ _8\"></span>Doblet PD utgj\u00f8r minimum 0<span class=\"_ _1\"></span>,<span class=\"_ _1\"></span>6 %</span><span style=\"display:inherit;clear:left;\">Wa<span class=\"_ _0\"></span>tchlis<span class=\"_ _1\"></span>t</span><span style=\"display:inherit;clear:left;\">F<span class=\"_ _2\"></span>or \u00e5 ta hensyn til frema<span class=\"_ _1\"></span>dskuende in<span class=\"_ _1\"></span>formasjon o<span class=\"_ _1\"></span>g for \u00e5 f<span class=\"_ _1\"></span>ang<span class=\"_ _1\"></span>e </span><span style=\"display:inherit;clear:left;\">opp andre r<span class=\"_ _1\"></span>ele<span class=\"_ _1\"></span>v<span class=\"_ _1\"></span>an<span class=\"_ _1\"></span>te f<span class=\"_ _1\"></span>orhold som kan ha inn<span class=\"_ _1\"></span>truff<span class=\"_ _1\"></span>e<span class=\"_ _1\"></span>t, men som ikke </span><span style=\"display:inherit;clear:left;\">har blitt f<span class=\"_ _1\"></span>ang<span class=\"_ _1\"></span>et opp a<span class=\"_ _1\"></span>v bank<span class=\"_ _1\"></span>ens PD-modeller<span class=\"_ _0\"></span>, s\u00e5 har banken valgt </span><span style=\"display:inherit;clear:left;\">\u00e5 bruke w<span class=\"_ _1\"></span>a<span class=\"_ _1\"></span>tchlis<span class=\"_ _1\"></span>t med utsa<span class=\"_ _1\"></span>t<span class=\"_ _1\"></span>te kunder<span class=\"_ _0\"></span>. Disse engasjemen<span class=\"_ _1\"></span>t blir da </span><span style=\"display:inherit;clear:left;\">ov<span class=\"_ _1\"></span>ers<span class=\"_ _1\"></span>tyrt til st<span class=\"_ _1\"></span>eg 2 \u2013 hvis de ikk<span class=\"_ _1\"></span>e aller<span class=\"_ _1\"></span>ede finnes i st<span class=\"_ _1\"></span>eg 2 eller 3. I </span><span style=\"display:inherit;clear:left;\">tillegg kan PD bli oppr<span class=\"_ _1\"></span>egulert for eng<span class=\"_ _1\"></span>asjement p\u00e5 w<span class=\"_ _1\"></span>a<span class=\"_ _1\"></span>tchlis<span class=\"_ _1\"></span>t som </span><span style=\"display:inherit;clear:left;\">f\u00f8lg<span class=\"_ _1\"></span>e a<span class=\"_ _1\"></span>v a<span class=\"_ _1\"></span>t dis<span class=\"_ _1\"></span>se kundene f<span class=\"_ _1\"></span>\u00e5r et gulv i f<span class=\"_ _1\"></span>orhold til PD<span class=\"_ _2\"></span>.</span><span style=\"display:inherit;clear:left;\">Bet<span class=\"_ _1\"></span>alingsle<span class=\"_ _1\"></span>t<span class=\"_ _2\"></span>telser (f<span class=\"_ _1\"></span>orbearanc<span class=\"_ _1\"></span>e)</span><span style=\"display:inherit;clear:left;\">Engasjemen<span class=\"_ _1\"></span>t med betalingsle<span class=\"_ _1\"></span>t<span class=\"_ _1\"></span>telser kan v<span class=\"_ _1\"></span>\u00e6r<span class=\"_ _1\"></span>e en<span class=\"_ _1\"></span>ten frisk<span class=\"_ _1\"></span>e eller </span><span style=\"display:inherit;clear:left;\">tapsutsa<span class=\"_ _1\"></span>tt<span class=\"_ _1\"></span>e. Engasjemen<span class=\"_ _1\"></span>t med be<span class=\"_ _1\"></span>talingslet<span class=\"_ _1\"></span>telser om<span class=\"_ _1\"></span>f<span class=\"_ _1\"></span>a<span class=\"_ _1\"></span>t<span class=\"_ _1\"></span>ter </span><span style=\"display:inherit;clear:left;\">engasjemen<span class=\"_ _1\"></span>t der det er gitt mer guns<span class=\"_ _1\"></span>tige vilk<span class=\"_ _1\"></span>\u00e5r (re<span class=\"_ _1\"></span>f<span class=\"_ _1\"></span>orhandling), </span><span style=\"display:inherit;clear:left;\">eller re<span class=\"_ _1\"></span>finansiering a<span class=\"_ _1\"></span>v e<span class=\"_ _1\"></span>t engasjemen<span class=\"_ _1\"></span>t, som f\u00f8lg<span class=\"_ _1\"></span>e a<span class=\"_ _1\"></span>v a<span class=\"_ _1\"></span>t debit<span class=\"_ _1\"></span>or </span><span style=\"display:inherit;clear:left;\">har \u00f8konomisk<span class=\"_ _1\"></span>e pr<span class=\"_ _1\"></span>oblemer<span class=\"_ _2\"></span>. Kriterie<span class=\"_ _1\"></span>t om a<span class=\"_ _1\"></span>t debit<span class=\"_ _1\"></span>or er i </span><span style=\"display:inherit;clear:left;\">\u00f8konomisk<span class=\"_ _1\"></span>e pr<span class=\"_ _1\"></span>oblemer skiller betalingsle<span class=\"_ _1\"></span>tt<span class=\"_ _1\"></span>elser fr<span class=\"_ _1\"></span>a v<span class=\"_ _1\"></span>anlige </span><span style=\"display:inherit;clear:left;\">forr<span class=\"_ _1\"></span>e<span class=\"_ _1\"></span>tningsmessig<span class=\"_ _1\"></span>e r<span class=\"_ _1\"></span>ef<span class=\"_ _1\"></span>orhandling<span class=\"_ _1\"></span>er a<span class=\"_ _1\"></span>v vilk\u00e5r<span class=\"_ _0\"></span>. Det er med andr<span class=\"_ _1\"></span>e </span><span style=\"display:inherit;clear:left;\">ord e<span class=\"_ _1\"></span>t tilleggsmomen<span class=\"_ _1\"></span>t a<span class=\"_ _1\"></span>t bank<span class=\"_ _1\"></span>en ikke ville gitt l\u00e5n til dis<span class=\"_ _1\"></span>se vilk\u00e5r </span><span style=\"display:inherit;clear:left;\">ved en or<span class=\"_ _1\"></span>din\u00e6r l\u00e5neuts<span class=\"_ _1\"></span>te<span class=\"_ _1\"></span>delse. Det<span class=\"_ _1\"></span>te de<span class=\"_ _1\"></span>finer<span class=\"_ _1\"></span>er \u00abf<span class=\"_ _1\"></span>orbearanc<span class=\"_ _1\"></span>e\u00bb. </span><span style=\"display:inherit;clear:left;\">Dersom e<span class=\"_ _1\"></span>t engasjemen<span class=\"_ _1\"></span>t kommer inn under denne ka<span class=\"_ _1\"></span>t<span class=\"_ _1\"></span>egorien </span><span style=\"display:inherit;clear:left;\">gener<span class=\"_ _1\"></span>er<span class=\"_ _1\"></span>es en kar<span class=\"_ _1\"></span>an<span class=\"_ _1\"></span>tene p\u00e5 2<span class=\"_ _2\"></span>4 m\u00e5neder f\u00f8r det e<span class=\"_ _1\"></span>v<span class=\"_ _1\"></span>entuelt </span><span style=\"display:inherit;clear:left;\">friskmeldes. Disse engasjemen<span class=\"_ _1\"></span>t blir o<span class=\"_ _1\"></span>v<span class=\"_ _1\"></span>erstyrt til s<span class=\"_ _1\"></span>teg 2 \u2013 h<span class=\"_ _1\"></span>vis de </span><span style=\"display:inherit;clear:left;\">ikke aller<span class=\"_ _1\"></span>ede finnes i s<span class=\"_ _1\"></span>teg 2 eller 3<span class=\"_ _1\"></span>, og PD kan bli oppr<span class=\"_ _1\"></span>egulert.</span><span style=\"display:inherit;clear:left;\">Oppsummert vil f\u00f8lg<span class=\"_ _1\"></span>ende engasjemen<span class=\"_ _1\"></span>t bli ka<span class=\"_ _1\"></span>t<span class=\"_ _1\"></span>egorisert under </span><span style=\"display:inherit;clear:left;\">st<span class=\"_ _1\"></span>eg 2:</span><span style=\"display:inherit;clear:left;\">\u2022 PD er minst doble<span class=\"_ _1\"></span>t siden innvilg<span class=\"_ _1\"></span>else og PD er minst 0<span class=\"_ _1\"></span>,<span class=\"_ _1\"></span>6 % eller</span><span style=\"display:inherit;clear:left;\">\u2022 Minst 3<span class=\"_ _1\"></span>0 dagers f<span class=\"_ _1\"></span>or<span class=\"_ _1\"></span>sinke<span class=\"_ _1\"></span>t be<span class=\"_ _1\"></span>taling, eller</span><span style=\"display:inherit;clear:left;\">\u2022  <span class=\"_ _4\"></span>Engasjemente<span class=\"_ _1\"></span>t er en del a<span class=\"_ _1\"></span>v bank<span class=\"_ _1\"></span>ens wa<span class=\"_ _2\"></span>tchlist (som ikke </span><span style=\"display:inherit;clear:left;\">klassifiser<span class=\"_ _1\"></span>er under st<span class=\"_ _1\"></span>eg 3), eller</span><span style=\"display:inherit;clear:left;\">\u2022  <span class=\"_ _4\"></span>At de<span class=\"_ _1\"></span>t er gitt betalingsle<span class=\"_ _1\"></span>t<span class=\"_ _1\"></span>telser i tilkn<span class=\"_ _1\"></span>ytning til engasjemen<span class=\"_ _1\"></span>te<span class=\"_ _1\"></span>t i </span><span style=\"display:inherit;clear:left;\">sammenheng med betalingspr<span class=\"_ _1\"></span>oblemer (f<span class=\"_ _1\"></span>orbear<span class=\"_ _1\"></span>ance)</span><span style=\"display:inherit;clear:left;\">St<span class=\"_ _1\"></span>eg 3:<span class=\"ff4\"> Eiendeler som har ha<span class=\"_ _1\"></span>tt en v<span class=\"_ _1\"></span>esen<span class=\"_ _1\"></span>tlig \u00f8kning i kr<span class=\"_ _1\"></span>edittrisik<span class=\"_ _1\"></span>o </span></span><span style=\"display:inherit;clear:left;\">siden innvilg<span class=\"_ _1\"></span>else, og hv<span class=\"_ _1\"></span>or de<span class=\"_ _1\"></span>t er objektive be<span class=\"_ _1\"></span>vis p\u00e5 tap p\u00e5 </span><span style=\"display:inherit;clear:left;\">balanseda<span class=\"_ _1\"></span>to blir klas<span class=\"_ _1\"></span>sifisert under steg 3<span class=\"_ _1\"></span>. F<span class=\"_ _2\"></span>or disse eiendelene </span><span style=\"display:inherit;clear:left;\">skal det a<span class=\"_ _2\"></span>vsett<span class=\"_ _1\"></span>es f<span class=\"_ _1\"></span>or f<span class=\"_ _1\"></span>orven<span class=\"_ _1\"></span>te<span class=\"_ _1\"></span>t tap o<span class=\"_ _1\"></span>v<span class=\"_ _1\"></span>er lev<span class=\"_ _1\"></span>e<span class=\"_ _1\"></span>tiden. </span><span style=\"display:inherit;clear:left;\">Indika<span class=\"_ _1\"></span>tor<span class=\"_ _1\"></span>er som vur<span class=\"_ _1\"></span>der<span class=\"_ _1\"></span>es n\u00e5r de<span class=\"_ _1\"></span>t skal beslutt<span class=\"_ _1\"></span>es om de<span class=\"_ _1\"></span>t f<span class=\"_ _1\"></span>oreligg<span class=\"_ _1\"></span>er </span><span style=\"display:inherit;clear:left;\">objektive be<span class=\"_ _1\"></span>vis f<span class=\"_ _1\"></span>or tap er v<span class=\"_ _1\"></span>esentlig<span class=\"_ _1\"></span>e finansielle pr<span class=\"_ _1\"></span>oblemer hos </span><span style=\"display:inherit;clear:left;\">debitor<span class=\"_ _0\"></span>, betalingsmislighold eller andr<span class=\"_ _1\"></span>e v<span class=\"_ _1\"></span>esentlig<span class=\"_ _1\"></span>e </span><span style=\"display:inherit;clear:left;\">kon<span class=\"_ _1\"></span>tr<span class=\"_ _1\"></span>aktsbrudd, innvilg<span class=\"_ _1\"></span>et ut<span class=\"_ _1\"></span>set<span class=\"_ _1\"></span>telse a<span class=\"_ _1\"></span>v be<span class=\"_ _1\"></span>taling eller n<span class=\"_ _1\"></span>y kr<span class=\"_ _1\"></span>editt </span><span style=\"display:inherit;clear:left;\">til betaling a<span class=\"_ _2\"></span>v termin, avtalt<span class=\"_ _1\"></span>e endringer i r<span class=\"_ _1\"></span>en<span class=\"_ _1\"></span>tesa<span class=\"_ _2\"></span>tsen eller andre </span><span style=\"display:inherit;clear:left;\">a<span class=\"_ _1\"></span>vtalevilk\u00e5r som f<span class=\"_ _1\"></span>\u00f8lg<span class=\"_ _1\"></span>e a<span class=\"_ _1\"></span>v finansielle pr<span class=\"_ _1\"></span>oblemer hos debitor<span class=\"_ _0\"></span>. </span><span style=\"display:inherit;clear:left;\">Dersom en tapshendelse er iden<span class=\"_ _1\"></span>tifisert vurder<span class=\"_ _1\"></span>es de<span class=\"_ _1\"></span>t om de </span><span style=\"display:inherit;clear:left;\">aktuelle tapshendelsene re<span class=\"_ _1\"></span>duserer eng<span class=\"_ _1\"></span>asjement<span class=\"_ _1\"></span>e<span class=\"_ _1\"></span>ts estimert<span class=\"_ _1\"></span>e </span><span style=\"display:inherit;clear:left;\">frem<span class=\"_ _1\"></span>tidig<span class=\"_ _1\"></span>e kon<span class=\"_ _1\"></span>tan<span class=\"_ _1\"></span>tstr<span class=\"_ _1\"></span>\u00f8mmer<span class=\"_ _0\"></span>. </span><span style=\"display:inherit;clear:left;\">Misligholdsdefinisjonen i IFRS 9 under s<span class=\"_ _1\"></span>teg 3 er sammen<span class=\"_ _1\"></span>f<span class=\"_ _1\"></span>allende </span><span style=\"display:inherit;clear:left;\">med int<span class=\"_ _1\"></span>ern risikos<span class=\"_ _1\"></span>tyring og kapitalkr<span class=\"_ _1\"></span>a<span class=\"_ _1\"></span>v<span class=\"_ _1\"></span>sber<span class=\"_ _1\"></span>egninger<span class=\"_ _0\"></span>. Her </span><span style=\"display:inherit;clear:left;\">anv<span class=\"_ _1\"></span>endes ogs\u00e5 90 dager<span class=\"_ _1\"></span>s f<span class=\"_ _1\"></span>orsinke<span class=\"_ _1\"></span>t be<span class=\"_ _1\"></span>taling som e<span class=\"_ _1\"></span>t viktig </span><span style=\"display:inherit;clear:left;\">kriterium f<span class=\"_ _1\"></span>or mislighold, i tillegg til \u00abunlik<span class=\"_ _1\"></span>eliness to pa<span class=\"_ _2\"></span>y\u00bb i tr\u00e5d </span><span style=\"display:inherit;clear:left;\">med regula<span class=\"_ _2\"></span>toriske kr<span class=\"_ _1\"></span>a<span class=\"_ _1\"></span>v<span class=\"_ _2\"></span>. </span><span style=\"display:inherit;clear:left;\">Migrering fra s<span class=\"_ _1\"></span>t<span class=\"_ _1\"></span>eg 3 til s<span class=\"_ _1\"></span>t<span class=\"_ _1\"></span>eg 2 sam<span class=\"_ _1\"></span>t migrering fr<span class=\"_ _1\"></span>a s<span class=\"_ _1\"></span>te<span class=\"_ _1\"></span>g 2 til </span><span style=\"display:inherit;clear:left;\">ste<span class=\"_ _8\"></span>g<span class=\"_ _8\"></span> 1</span><span style=\"display:inherit;clear:left;\">Engasjemen<span class=\"_ _1\"></span>t vil migrer<span class=\"_ _1\"></span>e fr<span class=\"_ _1\"></span>a s<span class=\"_ _1\"></span>teg 3 til s<span class=\"_ _1\"></span>teg 2 p\u00e5 tidspunkt f<span class=\"_ _1\"></span>or a<span class=\"_ _1\"></span>t </span><span style=\"display:inherit;clear:left;\">misligholdet opph\u00f8r<span class=\"_ _1\"></span>er<span class=\"_ _0\"></span>. Engasjement i s<span class=\"_ _1\"></span>teg 2 vil migr<span class=\"_ _1\"></span>er<span class=\"_ _1\"></span>e til st<span class=\"_ _1\"></span>eg 1 </span><span style=\"display:inherit;clear:left;\">p\u00e5 det tidspunkt e<span class=\"_ _1\"></span>t engasjemen<span class=\"_ _1\"></span>t ikk<span class=\"_ _1\"></span>e har en vesen<span class=\"_ _1\"></span>tlig \u00f8kning i </span><span style=\"display:inherit;clear:left;\">kredit<span class=\"_ _1\"></span>trisik<span class=\"_ _1\"></span>o siden innregnings<span class=\"_ _1\"></span>tidspunkte<span class=\"_ _1\"></span>t e<span class=\"_ _1\"></span>tt<span class=\"_ _1\"></span>er definisjonene </span><span style=\"display:inherit;clear:left;\">re<span class=\"_ _1\"></span>f<span class=\"_ _1\"></span>er<span class=\"_ _1\"></span>ert ov<span class=\"_ _1\"></span>en<span class=\"_ _1\"></span>f<span class=\"_ _1\"></span>or<span class=\"_ _0\"></span>. Unntake<span class=\"_ _1\"></span>t er engasjemen<span class=\"_ _1\"></span>t r<span class=\"_ _1\"></span>egistr<span class=\"_ _1\"></span>ert med </span><span style=\"display:inherit;clear:left;\">forbear<span class=\"_ _1\"></span>anc<span class=\"_ _1\"></span>e som har kar<span class=\"_ _1\"></span>ant<span class=\"_ _1\"></span>ene<span class=\"_ _1\"></span>tid dersom det f<span class=\"_ _2\"></span>\u00f8rst har komme<span class=\"_ _1\"></span>t </span><span style=\"display:inherit;clear:left;\">i denne ka<span class=\"_ _1\"></span>teg<span class=\"_ _1\"></span>ori. </span><span style=\"display:inherit;clear:left;\">Innregning, fraregning, forbe<span class=\"_ _1\"></span>arance/be<span class=\"_ _1\"></span>talingsle<span class=\"_ _1\"></span>t<span class=\"_ _2\"></span>tels<span class=\"_ _1\"></span>er og </span><span style=\"display:inherit;clear:left;\">k<span class=\"_ _1\"></span>ons<span class=\"_ _1\"></span>ta<span class=\"_ _2\"></span>tering</span><span style=\"display:inherit;clear:left;\">T<span class=\"_ _0\"></span>apsmodellen er by<span class=\"_ _1\"></span>gge<span class=\"_ _1\"></span>t opp slik a<span class=\"_ _1\"></span>t oppr<span class=\"_ _1\"></span>e<span class=\"_ _1\"></span>tt<span class=\"_ _1\"></span>else a<span class=\"_ _1\"></span>v ny l\u00e5nek<span class=\"_ _1\"></span>on<span class=\"_ _1\"></span>to </span><span style=\"display:inherit;clear:left;\">definer<span class=\"_ _1\"></span>es som e<span class=\"_ _1\"></span>t nyt<span class=\"_ _1\"></span>t engasjemen<span class=\"_ _1\"></span>t, mens innfrielse a<span class=\"_ _1\"></span>v l\u00e5nek<span class=\"_ _1\"></span>on<span class=\"_ _1\"></span>to </span><span style=\"display:inherit;clear:left;\">definer<span class=\"_ _1\"></span>es som fr<span class=\"_ _1\"></span>ar<span class=\"_ _1\"></span>egning. Ny l\u00e5nekon<span class=\"_ _1\"></span>to tildeles n\u00e5r en k<span class=\"_ _1\"></span>unde </span><span style=\"display:inherit;clear:left;\">re<span class=\"_ _1\"></span>finansier<span class=\"_ _1\"></span>er engasjemen<span class=\"_ _1\"></span>te<span class=\"_ _1\"></span>t sit<span class=\"_ _1\"></span>t. Ref<span class=\"_ _1\"></span>orhandlede l\u00e5n de<span class=\"_ _1\"></span>fineres </span><span style=\"display:inherit;clear:left;\">som utl\u00e5n hv<span class=\"_ _1\"></span>or de<span class=\"_ _1\"></span>t er gitt let<span class=\"_ _1\"></span>telser i vilk\u00e5r i sammenheng med a<span class=\"_ _2\"></span>t </span><span style=\"display:inherit;clear:left;\">kunden har f<span class=\"_ _1\"></span>\u00e5<span class=\"_ _1\"></span>tt be<span class=\"_ _1\"></span>talingspr<span class=\"_ _1\"></span>oblemer<span class=\"_ _0\"></span>, og at man ikk<span class=\"_ _1\"></span>e ville gitt </span><span style=\"display:inherit;clear:left;\">aktuelle vilk\u00e5r v<span class=\"_ _1\"></span>ed en ordin\u00e6r l\u00e5neut<span class=\"_ _1\"></span>st<span class=\"_ _1\"></span>edelse. Disse k<span class=\"_ _1\"></span>onti blir </span><span style=\"display:inherit;clear:left;\">merke<span class=\"_ _1\"></span>t som r<span class=\"_ _1\"></span>ef<span class=\"_ _1\"></span>orhandle<span class=\"_ _1\"></span>t (f<span class=\"_ _1\"></span>orbear<span class=\"_ _1\"></span>ance/be<span class=\"_ _1\"></span>talingslet<span class=\"_ _1\"></span>telser) og blir </span><span style=\"display:inherit;clear:left;\">s\u00e5ledes automa<span class=\"_ _2\"></span>tisk over<span class=\"_ _1\"></span>styrt til st<span class=\"_ _1\"></span>eg 2 (dersom engasjemen<span class=\"_ _1\"></span>t<span class=\"_ _1\"></span>et </span><span style=\"display:inherit;clear:left;\">ikke er i s<span class=\"_ _1\"></span>teg 2 eller 3 i utgangspunkt<span class=\"_ _1\"></span>e<span class=\"_ _1\"></span>t). Kons<span class=\"_ _1\"></span>ta<span class=\"_ _1\"></span>tering a<span class=\"_ _2\"></span>v </span><span style=\"display:inherit;clear:left;\">tapsnedskriving (bokf<span class=\"_ _1\"></span>\u00f8ring mot k<span class=\"_ _1\"></span>undens engasjemen<span class=\"_ _1\"></span>t) skal </span><span style=\"display:inherit;clear:left;\">for<span class=\"_ _1\"></span>e<span class=\"_ _1\"></span>tas n\u00e5r alle sikk<span class=\"_ _1\"></span>erhet<span class=\"_ _1\"></span>er er r<span class=\"_ _1\"></span>ealisert og det er h\u00f8<span class=\"_ _1\"></span>y gr<span class=\"_ _1\"></span>ad a<span class=\"_ _2\"></span>v </span><span style=\"display:inherit;clear:left;\">sannsynlighe<span class=\"_ _1\"></span>t a<span class=\"_ _1\"></span>t bank<span class=\"_ _1\"></span>en ikke mo<span class=\"_ _1\"></span>ttar fler<span class=\"_ _1\"></span>e innbe<span class=\"_ _1\"></span>talinger p\u00e5 </span><span style=\"display:inherit;clear:left;\">engasjemen<span class=\"_ _1\"></span>te<span class=\"_ _1\"></span>t. Kra<span class=\"_ _2\"></span>vet mo<span class=\"_ _1\"></span>t kunden bes<span class=\"_ _1\"></span>t\u00e5r<span class=\"_ _0\"></span>, og skal f\u00f8lges opp<span class=\"_ _1\"></span>, </span><span style=\"display:inherit;clear:left;\">med mindre de<span class=\"_ _1\"></span>t er inng\u00e5<span class=\"_ _2\"></span>tt avtale om e<span class=\"_ _1\"></span>t<span class=\"_ _1\"></span>ter<span class=\"_ _1\"></span>givelse med k<span class=\"_ _1\"></span>unden.</span><span style=\"display:inherit;clear:left;\">F<span class=\"_ _1\"></span>r<span class=\"_ _1\"></span>emadsk<span class=\"_ _1\"></span>uende inf<span class=\"_ _1\"></span>ormasjon</span><span style=\"display:inherit;clear:left;\">Grunnlag til makromodell hen<span class=\"_ _1\"></span>t<span class=\"_ _1\"></span>et fr<span class=\"_ _1\"></span>a SSB sine makr<span class=\"_ _1\"></span>o\u00f8k<span class=\"_ _1\"></span>onomiske </span><span style=\"display:inherit;clear:left;\">st<span class=\"_ _1\"></span>\u00f8rrelser<span class=\"_ _0\"></span>. Det<span class=\"_ _1\"></span>te sikr<span class=\"_ _1\"></span>er ua<span class=\"_ _1\"></span>vhengighet i pr<span class=\"_ _1\"></span>ognosene og g<span class=\"_ _1\"></span>od </span><span style=\"display:inherit;clear:left;\">kv<span class=\"_ _1\"></span>alite<span class=\"_ _1\"></span>t p\u00e5 input. </span><span style=\"display:inherit;clear:left;\">De tre sc<span class=\"_ _1\"></span>enarier i modellen er en n\u00f8<span class=\"_ _1\"></span>ytral case som sk<span class=\"_ _1\"></span>al dekke e<span class=\"_ _1\"></span>t </span><span style=\"display:inherit;clear:left;\">sannsynlighe<span class=\"_ _1\"></span>tsspenn p\u00e5 6<span class=\"_ _1\"></span>0 %, samt nedsidecase og oppsidecase </span><span style=\"display:inherit;clear:left;\">med en sannsynlighe<span class=\"_ _1\"></span>tsv<span class=\"_ _1\"></span>ekt p\u00e5 2<span class=\"_ _1\"></span>0 %. Sensitivite<span class=\"_ _1\"></span>t i </span><span style=\"display:inherit;clear:left;\">modellberegnede ne<span class=\"_ _1\"></span>dskrivinger fr<span class=\"_ _1\"></span>emk<span class=\"_ _1\"></span>ommer a<span class=\"_ _1\"></span>v not<span class=\"_ _1\"></span>e 13. Man </span><span style=\"display:inherit;clear:left;\">bruker scenarier f<span class=\"_ _1\"></span>or \u00e5 jus<span class=\"_ _1\"></span>ter<span class=\"_ _1\"></span>e f<span class=\"_ _1\"></span>or ikk<span class=\"_ _1\"></span>e-line\u00e6re eg<span class=\"_ _1\"></span>enskaper til </span><span style=\"display:inherit;clear:left;\">underkomponen<span class=\"_ _1\"></span>tene til E<span class=\"_ _1\"></span>CL<span class=\"_ _2\"></span>-beregning<span class=\"_ _1\"></span>en.</span><span style=\"display:inherit;clear:left;\">Segmentjus<span class=\"_ _1\"></span>t<span class=\"_ _1\"></span>eringen</span><span style=\"display:inherit;clear:left;\">Sparebank<span class=\"_ _1\"></span>en V<span class=\"_ _2\"></span>est har delt opp utl\u00e5nsporte<span class=\"_ _1\"></span>f\u00f8ljen i 14 segmen<span class=\"_ _1\"></span>t<span class=\"_ _1\"></span>er </span><span style=\"display:inherit;clear:left;\">i bedriftsmarkedsport<span class=\"_ _1\"></span>ef<span class=\"_ _1\"></span>\u00f8ljen og 2 segmen<span class=\"_ _1\"></span>ter i priv<span class=\"_ _2\"></span>atmarkeds<span class=\"_ _1\"></span>-</span><span style=\"display:inherit;clear:left;\">portef<span class=\"_ _1\"></span>\u00f8ljen. Kr<span class=\"_ _1\"></span>edit<span class=\"_ _1\"></span>ta<span class=\"_ _1\"></span>v<span class=\"_ _1\"></span>delingen gj\u00f8r en vur<span class=\"_ _1\"></span>dering a<span class=\"_ _1\"></span>v fr<span class=\"_ _1\"></span>em<span class=\"_ _1\"></span>tids-</span><span style=\"display:inherit;clear:left;\">utsiktene i h<span class=\"_ _1\"></span>vert segmen<span class=\"_ _1\"></span>t p\u00e5 en s<span class=\"_ _1\"></span>yvpunkts-skala. Der fr<span class=\"_ _1\"></span>emtids<span class=\"_ _1\"></span>-</span><span style=\"display:inherit;clear:left;\">utsiktene kan jus<span class=\"_ _1\"></span>ter<span class=\"_ _1\"></span>es opp og ned tr<span class=\"_ _1\"></span>e niv<span class=\"_ _1\"></span>\u00e5<span class=\"_ _1\"></span>er fra n\u00f8<span class=\"_ _2\"></span>ytrale </span><span style=\"display:inherit;clear:left;\">frem<span class=\"_ _1\"></span>tidsutsikt<span class=\"_ _1\"></span>er<span class=\"_ _0\"></span>. En justering a<span class=\"_ _1\"></span>v fr<span class=\"_ _1\"></span>em<span class=\"_ _1\"></span>tidsutsiktene p\u00e5<span class=\"_ _1\"></span>virk<span class=\"_ _1\"></span>er ikke </span><span style=\"display:inherit;clear:left;\">modellpredik<span class=\"_ _1\"></span>sjoner<span class=\"_ _0\"></span>, men medf\u00f8r<span class=\"_ _1\"></span>er a<span class=\"_ _1\"></span>t scenario<span class=\"_ _1\"></span>v<span class=\"_ _1\"></span>ektingen blir </span><span style=\"display:inherit;clear:left;\">just<span class=\"_ _1\"></span>ert. Dett<span class=\"_ _1\"></span>e sikr<span class=\"_ _1\"></span>er a<span class=\"_ _1\"></span>t estima<span class=\"_ _2\"></span>tene re<span class=\"_ _1\"></span>tt fr<span class=\"_ _1\"></span>a modell f<span class=\"_ _1\"></span>orblir </span><span style=\"display:inherit;clear:left;\">objektive o<span class=\"_ _1\"></span>v<span class=\"_ _1\"></span>er tid, sam<span class=\"_ _1\"></span>tidig som skj\u00f8nnsmessig<span class=\"_ _1\"></span>e f<span class=\"_ _1\"></span>orven<span class=\"_ _1\"></span>tninger </span><span style=\"display:inherit;clear:left;\">om frem<span class=\"_ _1\"></span>tiden fr<span class=\"_ _1\"></span>a bank<span class=\"_ _1\"></span>ens kre<span class=\"_ _1\"></span>ditta<span class=\"_ _1\"></span>v<span class=\"_ _1\"></span>deling blir medta<span class=\"_ _1\"></span>t<span class=\"_ _1\"></span>t i </span><span style=\"display:inherit;clear:left;\">ECL<span class=\"_ _2\"></span>-estima<span class=\"_ _1\"></span>t<span class=\"_ _1\"></span>ene. </span><span style=\"display:inherit;clear:left;\">Modellber<span class=\"_ _1\"></span>egning</span><span style=\"display:inherit;clear:left;\">Basert p\u00e5 inndeling av eng<span class=\"_ _1\"></span>asjement i ulik<span class=\"_ _1\"></span>e s<span class=\"_ _1\"></span>teg, anv<span class=\"_ _1\"></span>endelse a<span class=\"_ _1\"></span>v </span><span style=\"display:inherit;clear:left;\">frema<span class=\"_ _1\"></span>dskuende misligholdssans<span class=\"_ _1\"></span>ynlighe<span class=\"_ _1\"></span>ter (PD-baner) og L<span class=\"_ _2\"></span>GD-</span><span style=\"display:inherit;clear:left;\">estima<span class=\"_ _1\"></span>t<span class=\"_ _1\"></span>er<span class=\"_ _0\"></span>, beregnes f<span class=\"_ _1\"></span>orven<span class=\"_ _1\"></span>te<span class=\"_ _1\"></span>t tap i bank<span class=\"_ _1\"></span>ens </span><span style=\"display:inherit;clear:left;\">tapsa<span class=\"_ _1\"></span>vse<span class=\"_ _1\"></span>tningsmodell. </span><span style=\"display:inherit;clear:left;\">T<span class=\"_ _0\"></span>ap per \u00e5r beregnes i prinsippet v<span class=\"_ _1\"></span>ed modellert eksponering x PD </span><span style=\"display:inherit;clear:left;\">x L<span class=\"_ _1\"></span>GD f<span class=\"_ _1\"></span>or hv<span class=\"_ _1\"></span>ert \u00e5r<span class=\"_ _0\"></span>. T<span class=\"_ _2\"></span>apene diskon<span class=\"_ _1\"></span>ter<span class=\"_ _1\"></span>es med e<span class=\"_ _1\"></span>ff<span class=\"_ _1\"></span>ektiv r<span class=\"_ _1\"></span>en<span class=\"_ _1\"></span>te p\u00e5 </span><span style=\"display:inherit;clear:left;\">instrumen<span class=\"_ _1\"></span>tene tilbak<span class=\"_ _1\"></span>e til r<span class=\"_ _1\"></span>apporterings<span class=\"_ _1\"></span>tidspunkt og summer<span class=\"_ _1\"></span>es. </span><span style=\"display:inherit;clear:left;\">V<span class=\"_ _2\"></span>alidering</span><span style=\"display:inherit;clear:left;\">Beregning og f<span class=\"_ _1\"></span>orutse<span class=\"_ _1\"></span>tning<span class=\"_ _1\"></span>er er gjenstand f<span class=\"_ _1\"></span>or ua<span class=\"_ _1\"></span>vhengig </span><span style=\"display:inherit;clear:left;\">v<span class=\"_ _1\"></span>alidering a<span class=\"_ _1\"></span>v bankens v<span class=\"_ _1\"></span>aliderings funk<span class=\"_ _1\"></span>sjon.</span>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfHyperinflationaryReportingExplanatory",
    "language": "no",
    "entity": "scheme:213800M7T3CYVZ3ZRT12",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "s10_notes__6__53": {
   "value": "<span style=\"display:inherit;clear:left;\">Note 16 Si<span class=\"_ _8\"></span>k<span class=\"_ _8\"></span>kerhetssti<span class=\"_ _8\"></span>l<span class=\"_ _8\"></span>lelser</span><span style=\"display:inherit;clear:left;\">Br<span class=\"_ _8\"></span>utto ut<span class=\"_ _8\"></span>l\u00e5n e<span class=\"_ _8\"></span>r i stor g<span class=\"_ _8\"></span>rad sikre<span class=\"_ _8\"></span>t ved pant<span class=\"_ _8\"></span>sti<span class=\"_ _8\"></span>lle<span class=\"_ _8\"></span>lser<span class=\"_ _1\"></span>. Sikr<span class=\"_ _8\"></span>ings<span class=\"_ _8\"></span>obj<span class=\"_ _8\"></span>ek<span class=\"_ _8\"></span>ter i pr<span class=\"_ _8\"></span>ivatma<span class=\"_ _8\"></span>rkede<span class=\"_ _8\"></span>t bes<span class=\"_ _8\"></span>t\u00e5r i d<span class=\"_ _8\"></span>et alt ve<span class=\"_ _8\"></span>sen<span class=\"_ _8\"></span>tlige av ei<span class=\"_ _8\"></span>end<span class=\"_ _8\"></span>om. I </span><span style=\"display:inherit;clear:left;\">beregningen neden<span class=\"_ _1\"></span>for<span class=\"_ _1\"></span> blir disse v<span class=\"_ _1\"></span>erdsa<span class=\"_ _1\"></span>tt til virk<span class=\"_ _1\"></span>elig v<span class=\"_ _1\"></span>erdi<span class=\"_ _1\"></span> g<span class=\"_ _8\"></span>jennom estimat<span class=\"_ _1\"></span>er fr<span class=\"_ _1\"></span>a Eiendomsv<span class=\"_ _1\"></span>erdi,<span class=\"_ _1\"></span> oppdat<span class=\"_ _1\"></span>ert verdivur<span class=\"_ _1\"></span>dering f<span class=\"_ _1\"></span>ra </span><span style=\"display:inherit;clear:left;\">megler eller oppdaterte<span class=\"_ _1\"></span> takster<span class=\"_ _2\"></span>. N\u00e5r<span class=\"_ _1\"></span> det g<span class=\"_ _8\"></span>jelder bedriftsmarkedet,<span class=\"_ _1\"></span> utg<span class=\"_ _8\"></span>j\u00f8r varige<span class=\"_ _1\"></span> driftsmidler hov<span class=\"_ _1\"></span>edtyngden a<span class=\"_ _1\"></span>v<span class=\"_ _1\"></span> sikringsobjekter<span class=\"_ _2\"></span>. </span><span style=\"display:inherit;clear:left;\">Varige dr<span class=\"_ _8\"></span>ift<span class=\"_ _8\"></span>smi<span class=\"_ _8\"></span>dle<span class=\"_ _8\"></span>r bes<span class=\"_ _8\"></span>t\u00e5r i h<span class=\"_ _8\"></span>oveds<span class=\"_ _8\"></span>ak av eien<span class=\"_ _8\"></span>dom<span class=\"_ _8\"></span>, men o<span class=\"_ _8\"></span>gs\u00e5 p<span class=\"_ _8\"></span>ant i sk<span class=\"_ _8\"></span>ip, fall<span class=\"_ _8\"></span>retti<span class=\"_ _8\"></span>gh<span class=\"_ _8\"></span>eter<span class=\"_ _1\"></span>, osv<span class=\"_ _1\"></span>. Det e<span class=\"_ _8\"></span>r ogs\u00e5 m<span class=\"_ _8\"></span>ind<span class=\"_ _8\"></span>re pant<span class=\"_ _8\"></span>stil<span class=\"_ _8\"></span>lel<span class=\"_ _8\"></span>ser i </span><span style=\"display:inherit;clear:left;\">oml\u00f8psmidler som f<span class=\"_ _1\"></span>act<span class=\"_ _1\"></span>oring, enkle pengekr<span class=\"_ _1\"></span>a<span class=\"_ _1\"></span>v og dri<span class=\"_ _1\"></span>ftsl\u00f8s\u00f8re samt annen<span class=\"_ _1\"></span> pant<span class=\"_ _1\"></span> som leiegaran<span class=\"_ _1\"></span>tier<span class=\"_ _2\"></span>, fors<span class=\"_ _1\"></span>ikringskon<span class=\"_ _1\"></span>trakter<span class=\"_ _2\"></span>, </span><span style=\"display:inherit;clear:left;\">realkau<span class=\"_ _1\"></span>sjoner osv<span class=\"_ _2\"></span>.</span><span style=\"display:inherit;clear:left;\">T<span class=\"_ _2\"></span>abellen nedenfor viser<span class=\"_ _1\"></span> den pr<span class=\"_ _1\"></span>osentvise for<span class=\"_ _1\"></span>delingen<span class=\"_ _1\"></span> av<span class=\"_ _1\"></span> engasjement<span class=\"_ _1\"></span> knyttet til<span class=\"_ _1\"></span> ulike<span class=\"_ _1\"></span> niv<span class=\"_ _1\"></span>\u00e5er f<span class=\"_ _1\"></span>or sikk<span class=\"_ _1\"></span>erhetsstillelse. Andelen a<span class=\"_ _1\"></span>v<span class=\"_ _1\"></span> hv<span class=\"_ _1\"></span>ert </span><span style=\"display:inherit;clear:left;\">enkelt<span class=\"_ _1\"></span> l\u00e5n som sammen<span class=\"_ _1\"></span>faller<span class=\"_ _1\"></span> med et L<span class=\"_ _0\"></span>T<span class=\"_ _8\"></span>V<span class=\"_ _1\"></span>-<span class=\"_ _1\"></span>intervall<span class=\"_ _1\"></span> rapporteres<span class=\"_ _1\"></span> innenfor<span class=\"_ _1\"></span> dette in<span class=\"_ _1\"></span>tervallet.<span class=\"_ _1\"></span> </span><span style=\"display:inherit;clear:left;\">MORBANK<span class=\"_ _12c\"> </span><span class=\"lsc wsc\">KONSERN</span></span><span style=\"display:inherit;clear:left;\">31/12-<span class=\"_ _1\"></span>2023<span class=\"_ _1bf\"> </span>31/12-<span class=\"_ _2\"></span>202<span class=\"_ _8\"></span>3</span><span style=\"display:inherit;clear:left;\">Pers<span class=\"_ _8\"></span>on-</span><span style=\"display:inherit;clear:left;\">Be<span class=\"_ _8\"></span>d<span class=\"_ _8\"></span>ri<span class=\"_ _8\"></span>ft<span class=\"_ _8\"></span>s-<span class=\"ls0 ws0\"> </span></span><span style=\"display:inherit;clear:left;\">Pers<span class=\"_ _8\"></span>on-</span><span style=\"display:inherit;clear:left;\">Be<span class=\"_ _8\"></span>d<span class=\"_ _8\"></span>ri<span class=\"_ _8\"></span>ft<span class=\"_ _8\"></span>s-<span class=\"ls0 ws0\"> </span></span><span style=\"display:inherit;clear:left;\">marked</span><span style=\"display:inherit;clear:left;\">marked<span class=\"_ _a3\"> </span><span class=\"ls142 ws1f1\">To<span class=\"_ _8\"></span>t<span class=\"_ _a\"></span>a<span class=\"_ _a\"></span>l<span class=\"_ _8\"></span>t<span class=\"_ _b8\"> </span><span class=\"ls0 ws0\">Sikkerhe<span class=\"_ _1\"></span>tsniv<span class=\"_ _1\"></span>\u00e5</span></span></span><span style=\"display:inherit;clear:left;\">marked</span><span style=\"display:inherit;clear:left;\">marked<span class=\"_ _a3\"> </span><span class=\"ls142 ws1f1\">To<span class=\"_ _8\"></span>t<span class=\"_ _a\"></span>a<span class=\"_ _a\"></span>l<span class=\"_ _8\"></span>t</span></span><span style=\"display:inherit;clear:left;\">7<span class=\"_ _a\"></span>7,<span class=\"_ _a\"></span>5<span class=\"_ _8\"></span> %<span class=\"_ _9e\"> </span><span class=\"ls0 ws0\">88,<span class=\"_ _8\"></span>5 %<span class=\"_ _9e\"> </span>83,2 %<span class=\"_ _b9\"> </span>0 %\u201360 %<span class=\"_ _147\"> </span></span>8<span class=\"_ _a\"></span>7,<span class=\"_ _a\"></span>3<span class=\"_ _a\"></span> %<span class=\"_ _10b\"> </span><span class=\"ls0 ws0\">88<span class=\"_ _8\"></span>,5 %<span class=\"_ _a3\"> </span><span class=\"ls14a ws1fa\">8<span class=\"_ _a\"></span>7,<span class=\"_ _a\"></span>6<span class=\"_ _38\"></span> %</span></span></span><span style=\"display:inherit;clear:left;\">1<span class=\"_ _8\"></span>2<span class=\"_ _8\"></span>,1<span class=\"_ _8\"></span> %<span class=\"_ _cc\"> </span></span><span style=\"display:inherit;clear:left;\">4,9 %<span class=\"_ _d4\"> </span><span class=\"ls120 ws1cb\">8,4 %<span class=\"_ _11a\"> </span></span>60 %\u201380 %<span class=\"_ _190\"> </span>8,8 %<span class=\"_ _d4\"> </span><span class=\"ls10 ws10\">5,0 %<span class=\"_ _dd\"> </span><span class=\"ls14a ws1fa\">7,<span class=\"_ _38\"></span>9<span class=\"_ _38\"></span> %</span></span></span><span style=\"display:inherit;clear:left;\">2,8 %<span class=\"_ _d4\"> </span><span class=\"ls109 ws16b\">0,9<span class=\"_ _8\"></span> %<span class=\"_ _cd\"> </span></span>1,8 %<span class=\"_ _b9\"> </span>80 %\u201390 %<span class=\"_ _79\"> </span>1,4 %<span class=\"_ _d4\"> </span><span class=\"ls109 ws16b\">0,9<span class=\"_ _8\"></span> %<span class=\"_ _cd\"> </span></span>1,3 %</span><span style=\"display:inherit;clear:left;\">0,8<span class=\"_ _8\"></span> %<span class=\"_ _cb\"> </span>0,5<span class=\"_ _8\"></span> %<span class=\"_ _90\"> </span></span><span style=\"display:inherit;clear:left;\">0<span class=\"_ _a\"></span>,7<span class=\"_ _a\"></span> %<span class=\"_ _bd\"> </span></span><span style=\"display:inherit;clear:left;\">90 %\u2013<span class=\"_ _2\"></span>100 %<span class=\"_ _73\"> </span><span class=\"ls109 ws16b\">0,4 %<span class=\"_ _cb\"> </span>0,<span class=\"_ _8\"></span>5 %<span class=\"_ _d4\"> </span>0,4<span class=\"_ _8\"></span> %</span></span><span style=\"display:inherit;clear:left;\">1,0 %<span class=\"_ _cb\"> </span><span class=\"ls84 wsdf\">3,8<span class=\"_ _8\"></span> %<span class=\"_ _d4\"> </span></span>2,4 %<span class=\"_ _b9\"> </span>100 %\u2013<span class=\"_ _261\"> </span></span><span style=\"display:inherit;clear:left;\">0,5<span class=\"_ _8\"></span> %<span class=\"_ _dd\"> </span><span class=\"ls152 ws203\">3<span class=\"_ _a\"></span>,7<span class=\"_ _a\"></span> %<span class=\"_ _87\"> </span></span></span><span style=\"display:inherit;clear:left;\">1,3 %</span><span style=\"display:inherit;clear:left;\">0,0 %<span class=\"_ _b7\"> </span><span class=\"ls0 ws0\">0<span class=\"_ _1\"></span>,3 %<span class=\"_ _d4\"> </span>0,2 %<span class=\"_ _b9\"> </span>Annen sikkerhet<span class=\"_ _142\"> </span><span class=\"ls109 ws16b\">0,0 %<span class=\"_ _b7\"> </span></span>0<span class=\"_ _1\"></span>,3 %<span class=\"_ _cd\"> </span><span class=\"ls146 ws1f6\">0<span class=\"_ _8\"></span>,1<span class=\"_ _a\"></span> %</span></span></span><span style=\"display:inherit;clear:left;\">5<span class=\"_ _8\"></span>,7<span class=\"_ _a\"></span> %<span class=\"_ _8a\"> </span><span class=\"ls0 ws0\">1,0 %<span class=\"_ _cb\"> </span>3,3 %<span class=\"_ _b9\"> </span>Usikret<span class=\"_ _1e3\"> </span>1,<span class=\"_ _2\"></span>7 %<span class=\"_ _89\"> </span>1,0 %<span class=\"_ _89\"> </span>1,5 %</span></span><span style=\"display:inherit;clear:left;\">100,<span class=\"_ _1\"></span>0 %<span class=\"_ _d0\"> </span>100,0 %<span class=\"_ _d0\"> </span>100,0 %<span class=\"_ _b9\"> </span>Sum<span class=\"_ _262\"> </span>100,<span class=\"_ _1\"></span>0 %<span class=\"_ _d0\"> </span>100,0 %<span class=\"_ _d0\"> </span>100,0 %</span><span style=\"display:inherit;clear:left;\">31/12-<span class=\"_ _1\"></span>2022<span class=\"_ _1bf\"> </span>31/12<span class=\"_ _1\"></span>-<span class=\"_ _1\"></span>2022</span><span style=\"display:inherit;clear:left;\">Pers<span class=\"_ _8\"></span>on-</span><span style=\"display:inherit;clear:left;\">Be<span class=\"_ _8\"></span>d<span class=\"_ _8\"></span>ri<span class=\"_ _8\"></span>ft<span class=\"_ _8\"></span>s-<span class=\"ls0 ws0\"> </span></span><span style=\"display:inherit;clear:left;\">Pers<span class=\"_ _8\"></span>on-</span><span style=\"display:inherit;clear:left;\">Be<span class=\"_ _8\"></span>d<span class=\"_ _8\"></span>ri<span class=\"_ _8\"></span>ft<span class=\"_ _8\"></span>s-<span class=\"ls0 ws0\"> </span></span><span style=\"display:inherit;clear:left;\">marked</span><span style=\"display:inherit;clear:left;\">marked<span class=\"_ _a3\"> </span><span class=\"ls142 ws1f1\">To<span class=\"_ _8\"></span>t<span class=\"_ _a\"></span>a<span class=\"_ _a\"></span>l<span class=\"_ _8\"></span>t<span class=\"_ _b8\"> </span><span class=\"ls0 ws0\">Sikkerhe<span class=\"_ _1\"></span>tsniv<span class=\"_ _1\"></span>\u00e5</span></span></span><span style=\"display:inherit;clear:left;\">marked</span><span style=\"display:inherit;clear:left;\">marked<span class=\"_ _a3\"> </span><span class=\"ls142 ws1f1\">To<span class=\"_ _8\"></span>t<span class=\"_ _a\"></span>a<span class=\"_ _a\"></span>l<span class=\"_ _8\"></span>t</span></span><span style=\"display:inherit;clear:left;\">78,<span class=\"_ _8\"></span>5 %<span class=\"_ _10b\"> </span><span class=\"ls0 ws0\">88<span class=\"_ _8\"></span>,3 %<span class=\"_ _9e\"> </span><span class=\"ls84 wsdf\">83,9<span class=\"_ _8\"></span> %<span class=\"_ _11a\"> </span></span>0 %\u201360 %<span class=\"_ _190\"> </span>86,9 %<span class=\"_ _1b4\"> </span>8<span class=\"_ _8\"></span>8,3 %<span class=\"_ _a3\"> </span>87<span class=\"_ _0\"></span>,2 %</span></span><span style=\"display:inherit;clear:left;\">1<span class=\"_ _8\"></span>0<span class=\"_ _8\"></span>,7<span class=\"_ _8\"></span> %<span class=\"_ _cb\"> </span></span><span style=\"display:inherit;clear:left;\">5<span class=\"_ _8\"></span>,3 %<span class=\"_ _cd\"> </span><span class=\"ls14a ws1fa\">7,<span class=\"_ _8\"></span>7<span class=\"_ _38\"></span> %<span class=\"_ _bd\"> </span></span>60 %\u201380 %<span class=\"_ _190\"> </span></span><span style=\"display:inherit;clear:left;\">8,9 %<span class=\"_ _19a\"> </span><span class=\"ls12 ws12\">5,4 %<span class=\"_ _8a\"> </span><span class=\"ls146 ws1f6\">8<span class=\"_ _a\"></span>,1<span class=\"_ _a\"></span> %</span></span></span><span style=\"display:inherit;clear:left;\">2,2 %<span class=\"_ _89\"> </span>1,<span class=\"_ _1\"></span>0 %<span class=\"_ _89\"> </span>1,5 %<span class=\"_ _b9\"> </span>80 %\u201390 %<span class=\"_ _79\"> </span>1,4 %<span class=\"_ _dd\"> </span>1,0 %<span class=\"_ _89\"> </span>1,3 %</span><span style=\"display:inherit;clear:left;\">0,8<span class=\"_ _8\"></span> %<span class=\"_ _cb\"> </span>0,5<span class=\"_ _8\"></span> %<span class=\"_ _90\"> </span></span><span style=\"display:inherit;clear:left;\">0<span class=\"_ _a\"></span>,7<span class=\"_ _a\"></span> %<span class=\"_ _bd\"> </span></span><span style=\"display:inherit;clear:left;\">90 %\u2013<span class=\"_ _2\"></span>100 %<span class=\"_ _7d\"> </span><span class=\"ls109 ws16b\">0,5 %<span class=\"_ _cb\"> </span>0,<span class=\"_ _8\"></span>5 %<span class=\"_ _b7\"> </span>0,5 %</span></span><span style=\"display:inherit;clear:left;\">1,<span class=\"_ _2\"></span>1 %<span class=\"_ _b7\"> </span><span class=\"ls84 wsdf\">3,8 %<span class=\"_ _b7\"> </span></span>2,5 %<span class=\"_ _b9\"> </span>100 %\u2013<span class=\"_ _261\"> </span></span><span style=\"display:inherit;clear:left;\">0,6<span class=\"_ _8\"></span> %<span class=\"_ _dd\"> </span><span class=\"ls152 ws203\">3<span class=\"_ _a\"></span>,7<span class=\"_ _a\"></span> %<span class=\"_ _87\"> </span></span></span><span style=\"display:inherit;clear:left;\">1,3 %</span><span style=\"display:inherit;clear:left;\">0,0 %<span class=\"_ _b7\"> </span><span class=\"ls0 ws0\">0<span class=\"_ _1\"></span>,3 %<span class=\"_ _d4\"> </span>0,2 %<span class=\"_ _b9\"> </span>Annen sikkerhet<span class=\"_ _142\"> </span><span class=\"ls109 ws16b\">0,0 %<span class=\"_ _b7\"> </span></span>0<span class=\"_ _1\"></span>,3 %<span class=\"_ _cd\"> </span><span class=\"ls146 ws1f6\">0<span class=\"_ _8\"></span>,1<span class=\"_ _a\"></span> %</span></span></span><span style=\"display:inherit;clear:left;\">6,8<span class=\"_ _8\"></span> %<span class=\"_ _cb\"> </span></span><span style=\"display:inherit;clear:left;\">0,9<span class=\"_ _8\"></span> %<span class=\"_ _b7\"> </span></span><span style=\"display:inherit;clear:left;\">3,5 %<span class=\"_ _b8\"> </span><span class=\"ls0 ws0\">Usikr<span class=\"_ _1\"></span>e<span class=\"_ _1\"></span>t<span class=\"_ _1d2\"> </span>1,8 %<span class=\"_ _cb\"> </span><span class=\"ls109 ws16b\">0,8<span class=\"_ _8\"></span> %<span class=\"_ _cd\"> </span></span>1,5 %</span></span><span style=\"display:inherit;clear:left;\">100,<span class=\"_ _1\"></span>0 %<span class=\"_ _d0\"> </span>100,0 %<span class=\"_ _d0\"> </span>100,0 %<span class=\"_ _b9\"> </span>Sum<span class=\"_ _262\"> </span>100,<span class=\"_ _1\"></span>0 %<span class=\"_ _d0\"> </span>100,0 %<span class=\"_ _d0\"> </span>100,0 %</span>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfCollateralExplanatory",
    "language": "no",
    "entity": "scheme:213800M7T3CYVZ3ZRT12",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "s10_notes__6__54-1": {
   "value": "<span style=\"display:inherit;clear:left;\">No<span class=\"_ _1\"></span>te 1<span class=\"_ _1\"></span>7 Utl<span class=\"_ _1\"></span>\u00e5n til og f<span class=\"_ _0\"></span>ordri<span class=\"_ _8\"></span>nge<span class=\"_ _1\"></span>r p\u00e5 kreditti<span class=\"_ _8\"></span>nstitus<span class=\"_ _1\"></span>jo<span class=\"_ _1\"></span>ner</span><span style=\"display:inherit;clear:left;\">MORBANK<span class=\"_ _12c\"> </span><span class=\"lsc wsc\">KONSERN</span></span><span style=\"display:inherit;clear:left;\">3<span class=\"_ _8\"></span>1/<span class=\"_ _a\"></span>1<span class=\"_ _8\"></span>2-2<span class=\"_ _8\"></span>2<span class=\"_ _57\"> </span>3<span class=\"_ _8\"></span>1<span class=\"_ _8\"></span>/<span class=\"_ _8\"></span>1<span class=\"_ _8\"></span>2-2<span class=\"_ _8\"></span>3<span class=\"_ _267\"> </span>3<span class=\"_ _8\"></span>1/<span class=\"_ _a\"></span>1<span class=\"_ _8\"></span>2-2<span class=\"_ _8\"></span>3<span class=\"_ _57\"> </span>3<span class=\"_ _8\"></span>1<span class=\"_ _8\"></span>/<span class=\"_ _8\"></span>1<span class=\"_ _8\"></span>2-2<span class=\"_ _8\"></span>2</span><span style=\"display:inherit;clear:left;\">19 573<span class=\"_ _10a\"> </span></span><span style=\"display:inherit;clear:left;\">21 229<span class=\"_ _b9\"> </span></span><span style=\"display:inherit;clear:left;\">Uten avtalt l\u00f8petid<span class=\"_ _1\"></span> eller oppsigelsesfrist<span class=\"_ _142\"> </span><span class=\"ls9 ws9\">635<span class=\"_ _cd\"> </span><span class=\"ls0 ws0\">1 018</span></span></span><span style=\"display:inherit;clear:left;\">0<span class=\"_ _b7\"> </span>2 518<span class=\"_ _b9\"> </span></span><span style=\"display:inherit;clear:left;\">Med avtalt l\u00f8petid<span class=\"_ _1\"></span> eller<span class=\"_ _1\"></span> oppsigelsesf<span class=\"_ _1\"></span>rist<span class=\"_ _268\"> </span><span class=\"ls0 ws0\">2 518<span class=\"_ _8b\"> </span>0</span></span><span style=\"display:inherit;clear:left;\">19 573<span class=\"_ _a5\"> </span></span><span style=\"display:inherit;clear:left;\">2<span class=\"_ _8\"></span>3<span class=\"_ _8\"></span> 74<span class=\"_ _a\"></span>8<span class=\"_ _b8\"> </span></span><span style=\"display:inherit;clear:left;\">Utl\u00e5n til og<span class=\"_ _1\"></span> fordring<span class=\"_ _1\"></span>er p\u00e5 kr<span class=\"_ _1\"></span>edittinsti<span class=\"_ _1\"></span>tusjoner<span class=\"_ _269\"> </span><span class=\"ls0 ws0\">3 154<span class=\"_ _90\"> </span>1 018</span></span><span style=\"display:inherit;clear:left;\">Ge<span class=\"_ _8\"></span>og<span class=\"_ _8\"></span>rafi<span class=\"_ _8\"></span>ske o<span class=\"_ _8\"></span>mr\u00e5d<span class=\"_ _8\"></span>er</span><span style=\"display:inherit;clear:left;\">18 820<span class=\"_ _c7\"> </span></span><span style=\"display:inherit;clear:left;\">23 151<span class=\"_ _11a\"> </span></span><span style=\"display:inherit;clear:left;\">V<span class=\"_ _1\"></span>estland<span class=\"_ _26a\"> </span><span class=\"lsf wsf\">2 557<span class=\"_ _65\"> </span><span class=\"ls122 ws1cc\">266</span></span></span><span style=\"display:inherit;clear:left;\">125<span class=\"_ _189\"> </span><span class=\"ls33 ws84\">36<span class=\"_ _8\"></span>8<span class=\"_ _b9\"> </span><span class=\"ls0 ws0\">No<span class=\"_ _8\"></span>rge for \u00f8vr<span class=\"_ _8\"></span>ig<span class=\"_ _26b\"> </span></span>368<span class=\"_ _ba\"> </span></span>125</span><span style=\"display:inherit;clear:left;\">627<span class=\"_ _65\"> </span><span class=\"lsf2 ws154\">229<span class=\"_ _b9\"> </span><span class=\"ls5 ws5\">Utlandet<span class=\"_ _236\"> </span></span>229<span class=\"_ _86\"> </span></span>627</span><span style=\"display:inherit;clear:left;\">19 573<span class=\"_ _a5\"> </span></span><span style=\"display:inherit;clear:left;\">2<span class=\"_ _8\"></span>3<span class=\"_ _8\"></span> 74<span class=\"_ _a\"></span>8<span class=\"_ _b8\"> </span></span><span style=\"display:inherit;clear:left;\">Sum geogra<span class=\"_ _1\"></span>fiske<span class=\"_ _1\"></span> omr\u00e5der<span class=\"_ _26c\"> </span><span class=\"ls0 ws0\">3 154<span class=\"_ _90\"> </span>1 018</span></span><span style=\"display:inherit;clear:left;\">Utl\u00e5n til<span class=\"_ _1\"></span> og for<span class=\"_ _1\"></span>dringer<span class=\"_ _1\"></span> p\u00e5 kredi<span class=\"_ _1\"></span>ttinstitusjoner<span class=\"_ _1\"></span> vurder<span class=\"_ _1\"></span>es til amortisert kost. F<span class=\"_ _1\"></span>orven<span class=\"_ _1\"></span>tet tap<span class=\"_ _1\"></span> knyttet til<span class=\"_ _1\"></span> denne r<span class=\"_ _1\"></span>egskaps<span class=\"_ _1\"></span>-</span><span style=\"display:inherit;clear:left;\">po<span class=\"_ _8\"></span>sten vu<span class=\"_ _8\"></span>rdere<span class=\"_ _8\"></span>s \u00e5 v\u00e6re uves<span class=\"_ _8\"></span>entl<span class=\"_ _8\"></span>ig og d<span class=\"_ _8\"></span>et er d<span class=\"_ _8\"></span>er<span class=\"_ _8\"></span>for ikke fo<span class=\"_ _8\"></span>retatt n<span class=\"_ _8\"></span>oen t<span class=\"_ _8\"></span>aps<span class=\"_ _8\"></span>ned<span class=\"_ _8\"></span>skri<span class=\"_ _8\"></span>vin<span class=\"_ _8\"></span>g.</span><span style=\"display:inherit;clear:left;\">No<span class=\"_ _1\"></span>te 36 Gj<span class=\"_ _1\"></span>eld til kreditt<span class=\"_ _8\"></span>institusj<span class=\"_ _1\"></span>one<span class=\"_ _1\"></span>r</span><span style=\"display:inherit;clear:left;\">Gjeld til kr<span class=\"_ _1\"></span>edittinstitusjoner<span class=\"_ _1\"></span> er klassifisert som vur<span class=\"_ _1\"></span>dert til amortisert kost.</span><span style=\"display:inherit;clear:left;\">MORBANK<span class=\"_ _12c\"> </span><span class=\"lsc wsc\">KONSERN</span></span><span style=\"display:inherit;clear:left;\">3<span class=\"_ _8\"></span>1/<span class=\"_ _a\"></span>1<span class=\"_ _8\"></span>2-2<span class=\"_ _8\"></span>2<span class=\"_ _10e\"> </span>3<span class=\"_ _8\"></span>1<span class=\"_ _8\"></span>/<span class=\"_ _8\"></span>1<span class=\"_ _8\"></span>2-2<span class=\"_ _8\"></span>3<span class=\"_ _287\"> </span>3<span class=\"_ _8\"></span>1/<span class=\"_ _a\"></span>1<span class=\"_ _8\"></span>2-2<span class=\"_ _8\"></span>3<span class=\"_ _10e\"> </span>3<span class=\"_ _8\"></span>1<span class=\"_ _8\"></span>/<span class=\"_ _8\"></span>1<span class=\"_ _8\"></span>2-2<span class=\"_ _8\"></span>2</span><span style=\"display:inherit;clear:left;\">1 998<span class=\"_ _90\"> </span></span><span style=\"display:inherit;clear:left;\">9 099<span class=\"_ _b9\"> </span></span><span style=\"display:inherit;clear:left;\">Uten a<span class=\"_ _1\"></span>vtalt l\u00f8petid<span class=\"_ _1ae\"> </span><span class=\"ls4a ws9d\">5 4<span class=\"_ _8\"></span>24<span class=\"_ _6b\"> </span><span class=\"ls138 ws1e5\">1 525</span></span></span><span style=\"display:inherit;clear:left;\">1 5<span class=\"_ _8\"></span>70<span class=\"_ _8d\"> </span><span class=\"ls33 ws84\">30<span class=\"_ _b9\"> </span><span class=\"ls0 ws0\">M<span class=\"_ _8\"></span>ed avt<span class=\"_ _8\"></span>alt l<span class=\"_ _8\"></span>\u00f8pe<span class=\"_ _8\"></span>tid <span class=\"_ _ac\"> </span></span>30<span class=\"_ _85\"> </span></span>1 5<span class=\"_ _8\"></span>70</span><span style=\"display:inherit;clear:left;\">3 568<span class=\"_ _8a\"> </span>9 129<span class=\"_ _11a\"> </span></span><span style=\"display:inherit;clear:left;\">Sum g<span class=\"_ _8\"></span>jeld til kr<span class=\"_ _1\"></span>edittinsti<span class=\"_ _1\"></span>tusjoner<span class=\"_ _2cf\"> </span></span><span style=\"display:inherit;clear:left;\">5 454</span><span style=\"display:inherit;clear:left;\"><span class=\"_ _90\"> </span></span><span style=\"display:inherit;clear:left;\">3 095</span>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfLoansAndAdvancesToBanksExplanatory",
    "language": "no",
    "entity": "scheme:213800M7T3CYVZ3ZRT12",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "s10_notes__6__59": {
   "value": "<span style=\"display:inherit;clear:left;\">No<span class=\"_ _1\"></span>te 20 Eieri<span class=\"_ _8\"></span>n<span class=\"_ _1\"></span>ter<span class=\"_ _1\"></span>esser i <span><span style=\"display:inherit;clear:left;\">datte<span class=\"_ _1\"></span>rselska<span class=\"_ _1\"></span>per o<span class=\"_ _1\"></span>g <span><span style=\"display:inherit;clear:left;\">til<span class=\"_ _8\"></span>kny<span class=\"_ _8\"></span>ttede sel<span class=\"_ _1\"></span>skap<span class=\"_ _1\"></span>er</span></span></span></span></span><span style=\"display:inherit;clear:left;\">Datt<span class=\"_ _1\"></span>erselskaper</span><span style=\"display:inherit;clear:left;\">Datter<span class=\"_ _1\"></span>selskaper defineres<span class=\"_ _1\"></span> som selskaper h<span class=\"_ _1\"></span>vor<span class=\"_ _1\"></span> morbanken<span class=\"_ _1\"></span> kan ut<span class=\"_ _1\"></span>\u00f8ve<span class=\"_ _1\"></span> kon<span class=\"_ _1\"></span>troller<span class=\"_ _1\"></span>ende makt ov<span class=\"_ _1\"></span>er selskapets<span class=\"_ _1\"></span> drift (<span class=\"_ _1\"></span>faktisk k<span class=\"_ _1\"></span>ontr<span class=\"_ _1\"></span>oll).<span class=\"_ _1\"></span> </span><span style=\"display:inherit;clear:left;\">Kontr<span class=\"_ _1\"></span>oll f<span class=\"_ _1\"></span>oreligger n\u00e5r<span class=\"_ _1\"></span> inv<span class=\"_ _1\"></span>estor har<span class=\"_ _1\"></span> makt ove<span class=\"_ _1\"></span>r inv<span class=\"_ _1\"></span>esteringsobjektet,<span class=\"_ _1\"></span> er utsatt<span class=\"_ _1\"></span> for e<span class=\"_ _1\"></span>ller har r<span class=\"_ _1\"></span>ettigheter til<span class=\"_ _1\"></span> variabel<span class=\"_ _1\"></span> avk<span class=\"_ _1\"></span>astning fr<span class=\"_ _1\"></span>a </span><span style=\"display:inherit;clear:left;\">inves<span class=\"_ _8\"></span>teri<span class=\"_ _8\"></span>ngso<span class=\"_ _8\"></span>bje<span class=\"_ _8\"></span>ktet<span class=\"_ _8\"></span>, og mu<span class=\"_ _8\"></span>lig<span class=\"_ _8\"></span>het t<span class=\"_ _8\"></span>il \u00e5 br<span class=\"_ _8\"></span>uke mak<span class=\"_ _8\"></span>t ti<span class=\"_ _8\"></span>l \u00e5 sty<span class=\"_ _8\"></span>re de ak<span class=\"_ _8\"></span>ti<span class=\"_ _8\"></span>vitete<span class=\"_ _8\"></span>r hos inve<span class=\"_ _8\"></span>ster<span class=\"_ _8\"></span>ings<span class=\"_ _8\"></span>obj<span class=\"_ _8\"></span>ek<span class=\"_ _8\"></span>tet so<span class=\"_ _8\"></span>m i vese<span class=\"_ _8\"></span>ntli<span class=\"_ _8\"></span>g grad p\u00e5vi<span class=\"_ _8\"></span>rker </span><span style=\"display:inherit;clear:left;\">avkastningen.<span class=\"_ _1\"></span> Kontr<span class=\"_ _1\"></span>ollbegrepet medf\u00f8rer a<span class=\"_ _1\"></span>t k<span class=\"_ _1\"></span>onsolideringsplik<span class=\"_ _8\"></span>t ogs\u00e5 m\u00e5<span class=\"_ _1\"></span> vurderes f<span class=\"_ _1\"></span>or eierskap h<span class=\"_ _1\"></span>vor bank<span class=\"_ _1\"></span>en ikke<span class=\"_ _1\"></span> har </span><span style=\"display:inherit;clear:left;\">aksjemajorite<span class=\"_ _1\"></span>t. I tillegg kan det<span class=\"_ _1\"></span> i visse si<span class=\"_ _1\"></span>tuasjoner oppst\u00e5 k<span class=\"_ _1\"></span>onsolideringsplikt g<span class=\"_ _8\"></span>jennom e<span class=\"_ _1\"></span>t l\u00e5neengasjement,<span class=\"_ _1\"></span> dersom det<span class=\"_ _1\"></span> for<span class=\"_ _1\"></span>eligger </span><span style=\"display:inherit;clear:left;\">s\u00e5 o<span class=\"_ _8\"></span>mfatten<span class=\"_ _8\"></span>de rett<span class=\"_ _8\"></span>ig<span class=\"_ _8\"></span>heter i l<span class=\"_ _8\"></span>\u00e5ne<span class=\"_ _8\"></span>avt<span class=\"_ _8\"></span>ale<span class=\"_ _8\"></span>n at de er eg<span class=\"_ _8\"></span>net t<span class=\"_ _8\"></span>il \u00e5 g<span class=\"_ _8\"></span>i kontrol<span class=\"_ _8\"></span>l. Sli<span class=\"_ _8\"></span>ke retti<span class=\"_ _8\"></span>gh<span class=\"_ _8\"></span>eter m\u00e5 avg<span class=\"_ _8\"></span>rense<span class=\"_ _8\"></span>s mot ord<span class=\"_ _8\"></span>in\u00e6<span class=\"_ _8\"></span>re retti<span class=\"_ _8\"></span>gh<span class=\"_ _8\"></span>eter </span><span style=\"display:inherit;clear:left;\">banken<span class=\"_ _1\"></span> har f<span class=\"_ _1\"></span>or \u00e5 beskyt<span class=\"_ _8\"></span>te<span class=\"_ _1\"></span> sitt l\u00e5neengasjement.</span><span style=\"display:inherit;clear:left;\">Datte<span class=\"_ _8\"></span>rsel<span class=\"_ _8\"></span>ska<span class=\"_ _8\"></span>per kon<span class=\"_ _8\"></span>sol<span class=\"_ _8\"></span>ide<span class=\"_ _8\"></span>res fra det t<span class=\"_ _8\"></span>ids<span class=\"_ _8\"></span>punk<span class=\"_ _8\"></span>tet re<span class=\"_ _8\"></span>ell kont<span class=\"_ _8\"></span>roll e<span class=\"_ _8\"></span>r overf\u00f8<span class=\"_ _8\"></span>rt t<span class=\"_ _8\"></span>il kons<span class=\"_ _8\"></span>ern<span class=\"_ _8\"></span>et. </span><span style=\"display:inherit;clear:left;\">Investeringer<span class=\"_ _1\"></span> i da<span class=\"_ _1\"></span>tterselskaper regnskapsf\u00f8res til<span class=\"_ _1\"></span> kostmetoden i selskapsr<span class=\"_ _1\"></span>egnskapet.</span><span style=\"display:inherit;clear:left;\">Antall<span class=\"_ _1\"></span> </span><span style=\"display:inherit;clear:left;\">Eierandel<span class=\"_ _1\"></span> </span><span style=\"display:inherit;clear:left;\">Datt<span class=\"_ _1\"></span>erselskaper<span class=\"_ _1\"></span> (balansef\u00f8rt v<span class=\"_ _1\"></span>er<span class=\"_ _1\"></span>di morbank)</span><span style=\"display:inherit;clear:left;\">aksjer</span><span style=\"display:inherit;clear:left;\">i %<span class=\"_ _19\"> </span><span class=\"ls13 ws13\">3<span class=\"_ _8\"></span>1<span class=\"_ _8\"></span>/<span class=\"_ _8\"></span>1<span class=\"_ _8\"></span>2-2<span class=\"_ _8\"></span>3<span class=\"_ _19\"> </span>3<span class=\"_ _8\"></span>1<span class=\"_ _8\"></span>/<span class=\"_ _8\"></span>1<span class=\"_ _8\"></span>2-2<span class=\"_ _8\"></span>2</span></span><span style=\"display:inherit;clear:left;\">Sparebanken V<span class=\"_ _2\"></span>est Bo<span class=\"_ _8\"></span>ligkreditt AS<span class=\"_ _14b\"> </span></span><span style=\"display:inherit;clear:left;\">6 500<span class=\"_ _1\"></span> 000<span class=\"_ _6f\"> </span></span><span style=\"display:inherit;clear:left;\">100<span class=\"_ _85\"> </span><span class=\"ls0 ws0\">6 500<span class=\"_ _83\"> </span>4 650</span></span><span style=\"display:inherit;clear:left;\">F<span class=\"_ _2\"></span>ondsobligasjoner klassifisert som egenkapital<span class=\"_ _276\"> </span>0<span class=\"_ _18\"> </span><span class=\"ls21 ws175\">675</span></span><span style=\"display:inherit;clear:left;\">Eiendomsmegler V<span class=\"_ _1\"></span>est AS<span class=\"_ _277\"> </span></span><span style=\"display:inherit;clear:left;\">1 200<span class=\"_ _6f\"> </span></span><span style=\"display:inherit;clear:left;\">100<span class=\"_ _66\"> </span><span class=\"ls128 ws1d2\">83<span class=\"_ _92\"> </span>83</span></span><span style=\"display:inherit;clear:left;\">Jonsv<span class=\"_ _1\"></span>oll Utlei<span class=\"_ _1\"></span>e AS<span class=\"_ _278\"> </span></span><span style=\"display:inherit;clear:left;\">500<span class=\"_ _108\"> </span><span class=\"ls0 ws0\">100<span class=\"_ _df\"> </span>5<span class=\"_ _df\"> </span>5</span></span><span style=\"display:inherit;clear:left;\">Sum da<span class=\"_ _1\"></span>tterselskaper<span class=\"_ _187\"> </span><span class=\"ls0 ws0\">6 5<span class=\"_ _8\"></span>88<span class=\"_ _189\"> </span><span class=\"ls127 ws1d1\">5<span class=\"_ _8\"></span> 41<span class=\"_ _8\"></span>3</span></span></span><span style=\"display:inherit;clear:left;\">Tilknyttede sels<span class=\"_ _1\"></span>kaper</span><span style=\"display:inherit;clear:left;\">Til<span class=\"_ _8\"></span>knyt<span class=\"_ _8\"></span>tet se<span class=\"_ _8\"></span>lsk<span class=\"_ _8\"></span>ap er en e<span class=\"_ _8\"></span>nhet d<span class=\"_ _8\"></span>er kons<span class=\"_ _8\"></span>ern<span class=\"_ _8\"></span>et har b<span class=\"_ _8\"></span>etyd<span class=\"_ _8\"></span>eli<span class=\"_ _8\"></span>g innf<span class=\"_ _8\"></span>ly<span class=\"_ _8\"></span>telse<span class=\"_ _8\"></span>, men i<span class=\"_ _8\"></span>kke kontro<span class=\"_ _8\"></span>ll. B<span class=\"_ _8\"></span>etyd<span class=\"_ _8\"></span>elig i<span class=\"_ _8\"></span>nnfl<span class=\"_ _8\"></span>yte<span class=\"_ _8\"></span>lse a<span class=\"_ _8\"></span>ntas \u00e5 fo<span class=\"_ _8\"></span>reli<span class=\"_ _8\"></span>g<span class=\"_ _8\"></span>ge </span><span style=\"display:inherit;clear:left;\">dersom et<span class=\"_ _1\"></span> for<span class=\"_ _1\"></span>etak dir<span class=\"_ _1\"></span>ekte eller indir<span class=\"_ _1\"></span>ekte (<span class=\"_ _1\"></span>for<span class=\"_ _1\"></span> eksempel g<span class=\"_ _8\"></span>jennom da<span class=\"_ _1\"></span>tterfore<span class=\"_ _1\"></span>tak) k<span class=\"_ _1\"></span>ontroller<span class=\"_ _1\"></span>er 2<span class=\"_ _1\"></span>0 % eller<span class=\"_ _1\"></span> mer a<span class=\"_ _1\"></span>v st<span class=\"_ _1\"></span>emmerettene<span class=\"_ _1\"></span> i </span><span style=\"display:inherit;clear:left;\">foreta<span class=\"_ _8\"></span>ket som d<span class=\"_ _8\"></span>et er inve<span class=\"_ _8\"></span>ster<span class=\"_ _8\"></span>t i, m<span class=\"_ _8\"></span>ed mi<span class=\"_ _8\"></span>ndre d<span class=\"_ _8\"></span>et kla<span class=\"_ _8\"></span>rt k<span class=\"_ _8\"></span>an godt<span class=\"_ _8\"></span>g<span class=\"_ _a\"></span>j\u00f8re<span class=\"_ _8\"></span>s at dett<span class=\"_ _8\"></span>e ikke er t<span class=\"_ _8\"></span>ilfell<span class=\"_ _8\"></span>et. M<span class=\"_ _8\"></span>otsat<span class=\"_ _8\"></span>t g<span class=\"_ _8\"></span>j<span class=\"_ _8\"></span>eld<span class=\"_ _8\"></span>er at ders<span class=\"_ _8\"></span>om et fore<span class=\"_ _8\"></span>tak </span><span style=\"display:inherit;clear:left;\">direk<span class=\"_ _8\"></span>te e<span class=\"_ _8\"></span>ller i<span class=\"_ _8\"></span>ndi<span class=\"_ _8\"></span>rek<span class=\"_ _8\"></span>te (for ekse<span class=\"_ _8\"></span>mpe<span class=\"_ _8\"></span>l g<span class=\"_ _8\"></span>je<span class=\"_ _8\"></span>nno<span class=\"_ _8\"></span>m datte<span class=\"_ _8\"></span>rfo<span class=\"_ _8\"></span>retak<span class=\"_ _8\"></span>) kontrol<span class=\"_ _8\"></span>lerer m<span class=\"_ _8\"></span>ind<span class=\"_ _8\"></span>re enn 20 % av stem<span class=\"_ _8\"></span>meret<span class=\"_ _8\"></span>ten<span class=\"_ _8\"></span>e i foreta<span class=\"_ _8\"></span>ket som de<span class=\"_ _8\"></span>t er </span><span style=\"display:inherit;clear:left;\">inves<span class=\"_ _8\"></span>ter<span class=\"_ _8\"></span>t i, ant<span class=\"_ _8\"></span>as de<span class=\"_ _8\"></span>t at foretaket i<span class=\"_ _8\"></span>kke har n<span class=\"_ _8\"></span>oen b<span class=\"_ _8\"></span>etyd<span class=\"_ _8\"></span>eli<span class=\"_ _8\"></span>g innf<span class=\"_ _8\"></span>lyt<span class=\"_ _8\"></span>else<span class=\"_ _8\"></span>, med m<span class=\"_ _8\"></span>ind<span class=\"_ _8\"></span>re det kl<span class=\"_ _8\"></span>ar<span class=\"_ _8\"></span>t kan go<span class=\"_ _8\"></span>dtg<span class=\"_ _a\"></span>j\u00f8<span class=\"_ _8\"></span>res at foret<span class=\"_ _8\"></span>aket har s<span class=\"_ _8\"></span>lik </span><span style=\"display:inherit;clear:left;\">innflytelse. Investeringer<span class=\"_ _1\"></span> i tilknyttet selskap r<span class=\"_ _1\"></span>egnskapsf\u00f8res etter eg<span class=\"_ _1\"></span>enkapitalmetoden i konsernregnskapet og k<span class=\"_ _1\"></span>ostmetoden i </span><span style=\"display:inherit;clear:left;\">selskapsregnskapet. P\u00e5 kj\u00f8pstidspunktet regnskapsf\u00f8res in<span class=\"_ _1\"></span>vesteringen til<span class=\"_ _1\"></span> anskaffelseskost.</span><span style=\"display:inherit;clear:left;\">Antall </span><span style=\"display:inherit;clear:left;\">Eier<span class=\"_ _1\"></span>andel </span><span style=\"display:inherit;clear:left;\">Tilknyt<span class=\"_ _1\"></span>tede selsk<span class=\"_ _1\"></span>aper (balansef<span class=\"_ _1\"></span>\u00f8rt v<span class=\"_ _1\"></span>er<span class=\"_ _1\"></span>di morbank)</span><span style=\"display:inherit;clear:left;\">aksjer</span><span style=\"display:inherit;clear:left;\">i %<span class=\"_ _c6\"> </span>31/12-<span class=\"_ _1\"></span>23<span class=\"_ _19\"> </span>31/12<span class=\"_ _1\"></span>-22</span><span style=\"display:inherit;clear:left;\">F<span class=\"_ _1\"></span>rende Holding AS<span class=\"_ _279\"> </span></span><span style=\"display:inherit;clear:left;\">2 67<span class=\"_ _2\"></span>5 614<span class=\"_ _c9\"> </span></span><span style=\"display:inherit;clear:left;\">3<span class=\"_ _8\"></span>9,58<span class=\"_ _8d\"> </span><span class=\"ls126 ws1d0\">31<span class=\"_ _8\"></span>0<span class=\"_ _8d\"> </span>310</span></span><span style=\"display:inherit;clear:left;\">Norne Securities AS<span class=\"_ _27a\"> </span>7 7<span class=\"_ _1\"></span>06 7<span class=\"_ _1\"></span>52<span class=\"_ _89\"> </span><span class=\"ls131 ws1dd\">41<span class=\"_ _8\"></span>,<span class=\"_ _8\"></span>8<span class=\"_ _8\"></span>1<span class=\"_ _68\"> </span></span>19<span class=\"_ _a1\"> </span>18</span><span style=\"display:inherit;clear:left;\">Brag<span class=\"_ _1\"></span>e Finans AS<span class=\"_ _139\"> </span>68 33<span class=\"_ _1\"></span>0 60<span class=\"_ _1\"></span>4<span class=\"_ _131\"> </span><span class=\"ls13d ws1eb\">49,<span class=\"_ _8\"></span>99<span class=\"_ _86\"> </span></span>1 060<span class=\"_ _14\"> </span><span class=\"ls120 ws1cb\">960</span></span><span style=\"display:inherit;clear:left;\">Balder Betaling A<span class=\"_ _1\"></span>S<span class=\"_ _1d4\"> </span>10 98<span class=\"_ _1\"></span>0 2<span class=\"_ _1\"></span>7<span class=\"_ _1\"></span>6<span class=\"_ _131\"> </span></span><span style=\"display:inherit;clear:left;\">38,54<span class=\"_ _78\"> </span><span class=\"ls31 ws81\">257<span class=\"_ _17\"> </span></span></span><span style=\"display:inherit;clear:left;\">222</span><span style=\"display:inherit;clear:left;\">F<span class=\"_ _2\"></span>olio AS<span class=\"_ _27b\"> </span>1 610 919<span class=\"_ _cc\"> </span></span><span style=\"display:inherit;clear:left;\">2<span class=\"_ _a\"></span>7,<span class=\"_ _a\"></span>4<span class=\"_ _a\"></span>9<span class=\"_ _95\"> </span><span class=\"ls9 ws9\">35<span class=\"_ _66\"> </span>35</span></span><span style=\"display:inherit;clear:left;\">Sum eierint<span class=\"_ _1\"></span>er<span class=\"_ _1\"></span>esser i tilkn<span class=\"_ _1\"></span>ytt<span class=\"_ _1\"></span>ede selsk<span class=\"_ _1\"></span>aper<span class=\"_ _263\"> </span><span class=\"ls83 wsdd\">1 68<span class=\"_ _8\"></span>1<span class=\"_ _107\"> </span></span>1 544</span><span style=\"display:inherit;clear:left;\">F<span class=\"_ _1\"></span>r<span class=\"_ _1\"></span>ende </span><span style=\"display:inherit;clear:left;\">Tilknyt<span class=\"_ _1\"></span>tede selsk<span class=\"_ _1\"></span>aper (balansef<span class=\"_ _1\"></span>\u00f8rt v<span class=\"_ _1\"></span>er<span class=\"_ _1\"></span>di k<span class=\"_ _1\"></span>onsern) </span><span style=\"display:inherit;clear:left;\">Holding <span class=\"_ _4\"></span> </span><span style=\"display:inherit;clear:left;\">Norne </span><span style=\"display:inherit;clear:left;\">Br<span class=\"_ _1\"></span>age </span><span style=\"display:inherit;clear:left;\">Balder </span><span style=\"display:inherit;clear:left;\">2023</span><span style=\"display:inherit;clear:left;\">Konsern</span><span style=\"display:inherit;clear:left;\">Securities AS</span><span style=\"display:inherit;clear:left;\">Finans AS</span><span style=\"display:inherit;clear:left;\">Betaling A<span class=\"_ _1\"></span>S<span class=\"_ _a5\"> </span>F<span class=\"_ _1\"></span>olio A<span class=\"_ _1\"></span>S<span class=\"_ _108\"> </span>Sum</span><span style=\"display:inherit;clear:left;\">V<span class=\"_ _1\"></span>erdi<span class=\"_ _1\"></span> i balansen<span class=\"_ _1\"></span> ved periodens begynnelse<span class=\"_ _1c\"> </span></span><span style=\"display:inherit;clear:left;\">78<span class=\"_ _8\"></span>3<span class=\"_ _116\"> </span></span><span style=\"display:inherit;clear:left;\">33<span class=\"_ _dd\"> </span></span><span style=\"display:inherit;clear:left;\">1 4<span class=\"_ _1\"></span>14<span class=\"_ _98\"> </span></span><span style=\"display:inherit;clear:left;\">3<span class=\"_ _8\"></span>30<span class=\"_ _3e\"> </span><span class=\"ls125 ws1cf\">26<span class=\"_ _89\"> </span><span class=\"ls126 ws1d0\">2<span class=\"_ _8\"></span> 586</span></span></span><span style=\"display:inherit;clear:left;\">Kapitalf<span class=\"_ _1\"></span>orh\u00f8y<span class=\"_ _2\"></span>else/kj\u00f8p<span class=\"_ _151\"> </span>0<span class=\"_ _69\"> </span>1<span class=\"_ _6f\"> </span>100<span class=\"_ _66\"> </span><span class=\"ls9 ws9\">35<span class=\"_ _4a\"> </span></span>0<span class=\"_ _12\"> </span><span class=\"ls12c ws1d6\">1<span class=\"_ _8\"></span>36</span></span><span style=\"display:inherit;clear:left;\">Utb<span class=\"_ _1\"></span>ytt<span class=\"_ _1\"></span>e/salg<span class=\"_ _27c\"> </span><span class=\"ls6 ws6\">-1<span class=\"_ _8\"></span>3<span class=\"_ _8\"></span>9<span class=\"_ _c8\"> </span></span>0<span class=\"_ _8b\"> </span>0<span class=\"_ _118\"> </span>0<span class=\"_ _4a\"> </span>0<span class=\"_ _74\"> </span><span class=\"ls6 ws6\">-13<span class=\"_ _8\"></span>9</span></span><span style=\"display:inherit;clear:left;\">\u00c5re<span class=\"_ _1\"></span>ts r<span class=\"_ _1\"></span>esulta<span class=\"_ _1\"></span>tandel<span class=\"_ _1a6\"> </span><span class=\"ls139 ws1e6\">51<span class=\"_ _69\"> </span></span>1<span class=\"_ _94\"> </span><span class=\"ls6b wsc3\">1<span class=\"_ _8\"></span>67<span class=\"_ _118\"> </span></span>0<span class=\"_ _8b\"> </span><span class=\"ls120 ws1cb\">-4<span class=\"_ _12\"> </span></span>215</span><span style=\"display:inherit;clear:left;\">V<span class=\"_ _2\"></span>erdi i balansen v<span class=\"_ _1\"></span>ed periodens slutt</span>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfSignificantInvestmentsInSubsidiariesExplanatory",
    "language": "no",
    "entity": "scheme:213800M7T3CYVZ3ZRT12",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "s10_notes__6__57": {
   "value": "<span style=\"display:inherit;clear:left;\">datte<span class=\"_ _1\"></span>rselska<span class=\"_ _1\"></span>per o<span class=\"_ _1\"></span>g <span><span style=\"display:inherit;clear:left;\">til<span class=\"_ _8\"></span>kny<span class=\"_ _8\"></span>ttede sel<span class=\"_ _1\"></span>skap<span class=\"_ _1\"></span>er</span></span></span><span style=\"display:inherit;clear:left;\">Datt<span class=\"_ _1\"></span>erselskaper</span><span style=\"display:inherit;clear:left;\">Datter<span class=\"_ _1\"></span>selskaper defineres<span class=\"_ _1\"></span> som selskaper h<span class=\"_ _1\"></span>vor<span class=\"_ _1\"></span> morbanken<span class=\"_ _1\"></span> kan ut<span class=\"_ _1\"></span>\u00f8ve<span class=\"_ _1\"></span> kon<span class=\"_ _1\"></span>troller<span class=\"_ _1\"></span>ende makt ov<span class=\"_ _1\"></span>er selskapets<span class=\"_ _1\"></span> drift (<span class=\"_ _1\"></span>faktisk k<span class=\"_ _1\"></span>ontr<span class=\"_ _1\"></span>oll).<span class=\"_ _1\"></span> </span><span style=\"display:inherit;clear:left;\">Kontr<span class=\"_ _1\"></span>oll f<span class=\"_ _1\"></span>oreligger n\u00e5r<span class=\"_ _1\"></span> inv<span class=\"_ _1\"></span>estor har<span class=\"_ _1\"></span> makt ove<span class=\"_ _1\"></span>r inv<span class=\"_ _1\"></span>esteringsobjektet,<span class=\"_ _1\"></span> er utsatt<span class=\"_ _1\"></span> for e<span class=\"_ _1\"></span>ller har r<span class=\"_ _1\"></span>ettigheter til<span class=\"_ _1\"></span> variabel<span class=\"_ _1\"></span> avk<span class=\"_ _1\"></span>astning fr<span class=\"_ _1\"></span>a </span><span style=\"display:inherit;clear:left;\">inves<span class=\"_ _8\"></span>teri<span class=\"_ _8\"></span>ngso<span class=\"_ _8\"></span>bje<span class=\"_ _8\"></span>ktet<span class=\"_ _8\"></span>, og mu<span class=\"_ _8\"></span>lig<span class=\"_ _8\"></span>het t<span class=\"_ _8\"></span>il \u00e5 br<span class=\"_ _8\"></span>uke mak<span class=\"_ _8\"></span>t ti<span class=\"_ _8\"></span>l \u00e5 sty<span class=\"_ _8\"></span>re de ak<span class=\"_ _8\"></span>ti<span class=\"_ _8\"></span>vitete<span class=\"_ _8\"></span>r hos inve<span class=\"_ _8\"></span>ster<span class=\"_ _8\"></span>ings<span class=\"_ _8\"></span>obj<span class=\"_ _8\"></span>ek<span class=\"_ _8\"></span>tet so<span class=\"_ _8\"></span>m i vese<span class=\"_ _8\"></span>ntli<span class=\"_ _8\"></span>g grad p\u00e5vi<span class=\"_ _8\"></span>rker </span><span style=\"display:inherit;clear:left;\">avkastningen.<span class=\"_ _1\"></span> Kontr<span class=\"_ _1\"></span>ollbegrepet medf\u00f8rer a<span class=\"_ _1\"></span>t k<span class=\"_ _1\"></span>onsolideringsplik<span class=\"_ _8\"></span>t ogs\u00e5 m\u00e5<span class=\"_ _1\"></span> vurderes f<span class=\"_ _1\"></span>or eierskap h<span class=\"_ _1\"></span>vor bank<span class=\"_ _1\"></span>en ikke<span class=\"_ _1\"></span> har </span><span style=\"display:inherit;clear:left;\">aksjemajorite<span class=\"_ _1\"></span>t. I tillegg kan det<span class=\"_ _1\"></span> i visse si<span class=\"_ _1\"></span>tuasjoner oppst\u00e5 k<span class=\"_ _1\"></span>onsolideringsplikt g<span class=\"_ _8\"></span>jennom e<span class=\"_ _1\"></span>t l\u00e5neengasjement,<span class=\"_ _1\"></span> dersom det<span class=\"_ _1\"></span> for<span class=\"_ _1\"></span>eligger </span><span style=\"display:inherit;clear:left;\">s\u00e5 o<span class=\"_ _8\"></span>mfatten<span class=\"_ _8\"></span>de rett<span class=\"_ _8\"></span>ig<span class=\"_ _8\"></span>heter i l<span class=\"_ _8\"></span>\u00e5ne<span class=\"_ _8\"></span>avt<span class=\"_ _8\"></span>ale<span class=\"_ _8\"></span>n at de er eg<span class=\"_ _8\"></span>net t<span class=\"_ _8\"></span>il \u00e5 g<span class=\"_ _8\"></span>i kontrol<span class=\"_ _8\"></span>l. Sli<span class=\"_ _8\"></span>ke retti<span class=\"_ _8\"></span>gh<span class=\"_ _8\"></span>eter m\u00e5 avg<span class=\"_ _8\"></span>rense<span class=\"_ _8\"></span>s mot ord<span class=\"_ _8\"></span>in\u00e6<span class=\"_ _8\"></span>re retti<span class=\"_ _8\"></span>gh<span class=\"_ _8\"></span>eter </span><span style=\"display:inherit;clear:left;\">banken<span class=\"_ _1\"></span> har f<span class=\"_ _1\"></span>or \u00e5 beskyt<span class=\"_ _8\"></span>te<span class=\"_ _1\"></span> sitt l\u00e5neengasjement.</span><span style=\"display:inherit;clear:left;\">Datte<span class=\"_ _8\"></span>rsel<span class=\"_ _8\"></span>ska<span class=\"_ _8\"></span>per kon<span class=\"_ _8\"></span>sol<span class=\"_ _8\"></span>ide<span class=\"_ _8\"></span>res fra det t<span class=\"_ _8\"></span>ids<span class=\"_ _8\"></span>punk<span class=\"_ _8\"></span>tet re<span class=\"_ _8\"></span>ell kont<span class=\"_ _8\"></span>roll e<span class=\"_ _8\"></span>r overf\u00f8<span class=\"_ _8\"></span>rt t<span class=\"_ _8\"></span>il kons<span class=\"_ _8\"></span>ern<span class=\"_ _8\"></span>et. </span><span style=\"display:inherit;clear:left;\">Investeringer<span class=\"_ _1\"></span> i da<span class=\"_ _1\"></span>tterselskaper regnskapsf\u00f8res til<span class=\"_ _1\"></span> kostmetoden i selskapsr<span class=\"_ _1\"></span>egnskapet.</span>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForInvestmentInAssociatesAndJointVenturesExplanatory",
    "language": "no",
    "entity": "scheme:213800M7T3CYVZ3ZRT12",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "s10_notes__6__58": {
   "value": "<span style=\"display:inherit;clear:left;\">til<span class=\"_ _8\"></span>kny<span class=\"_ _8\"></span>ttede sel<span class=\"_ _1\"></span>skap<span class=\"_ _1\"></span>er</span><span style=\"display:inherit;clear:left;\">Datt<span class=\"_ _1\"></span>erselskaper</span><span style=\"display:inherit;clear:left;\">Datter<span class=\"_ _1\"></span>selskaper defineres<span class=\"_ _1\"></span> som selskaper h<span class=\"_ _1\"></span>vor<span class=\"_ _1\"></span> morbanken<span class=\"_ _1\"></span> kan ut<span class=\"_ _1\"></span>\u00f8ve<span class=\"_ _1\"></span> kon<span class=\"_ _1\"></span>troller<span class=\"_ _1\"></span>ende makt ov<span class=\"_ _1\"></span>er selskapets<span class=\"_ _1\"></span> drift (<span class=\"_ _1\"></span>faktisk k<span class=\"_ _1\"></span>ontr<span class=\"_ _1\"></span>oll).<span class=\"_ _1\"></span> </span><span style=\"display:inherit;clear:left;\">Kontr<span class=\"_ _1\"></span>oll f<span class=\"_ _1\"></span>oreligger n\u00e5r<span class=\"_ _1\"></span> inv<span class=\"_ _1\"></span>estor har<span class=\"_ _1\"></span> makt ove<span class=\"_ _1\"></span>r inv<span class=\"_ _1\"></span>esteringsobjektet,<span class=\"_ _1\"></span> er utsatt<span class=\"_ _1\"></span> for e<span class=\"_ _1\"></span>ller har r<span class=\"_ _1\"></span>ettigheter til<span class=\"_ _1\"></span> variabel<span class=\"_ _1\"></span> avk<span class=\"_ _1\"></span>astning fr<span class=\"_ _1\"></span>a </span><span style=\"display:inherit;clear:left;\">inves<span class=\"_ _8\"></span>teri<span class=\"_ _8\"></span>ngso<span class=\"_ _8\"></span>bje<span class=\"_ _8\"></span>ktet<span class=\"_ _8\"></span>, og mu<span class=\"_ _8\"></span>lig<span class=\"_ _8\"></span>het t<span class=\"_ _8\"></span>il \u00e5 br<span class=\"_ _8\"></span>uke mak<span class=\"_ _8\"></span>t ti<span class=\"_ _8\"></span>l \u00e5 sty<span class=\"_ _8\"></span>re de ak<span class=\"_ _8\"></span>ti<span class=\"_ _8\"></span>vitete<span class=\"_ _8\"></span>r hos inve<span class=\"_ _8\"></span>ster<span class=\"_ _8\"></span>ings<span class=\"_ _8\"></span>obj<span class=\"_ _8\"></span>ek<span class=\"_ _8\"></span>tet so<span class=\"_ _8\"></span>m i vese<span class=\"_ _8\"></span>ntli<span class=\"_ _8\"></span>g grad p\u00e5vi<span class=\"_ _8\"></span>rker </span><span style=\"display:inherit;clear:left;\">avkastningen.<span class=\"_ _1\"></span> Kontr<span class=\"_ _1\"></span>ollbegrepet medf\u00f8rer a<span class=\"_ _1\"></span>t k<span class=\"_ _1\"></span>onsolideringsplik<span class=\"_ _8\"></span>t ogs\u00e5 m\u00e5<span class=\"_ _1\"></span> vurderes f<span class=\"_ _1\"></span>or eierskap h<span class=\"_ _1\"></span>vor bank<span class=\"_ _1\"></span>en ikke<span class=\"_ _1\"></span> har </span><span style=\"display:inherit;clear:left;\">aksjemajorite<span class=\"_ _1\"></span>t. I tillegg kan det<span class=\"_ _1\"></span> i visse si<span class=\"_ _1\"></span>tuasjoner oppst\u00e5 k<span class=\"_ _1\"></span>onsolideringsplikt g<span class=\"_ _8\"></span>jennom e<span class=\"_ _1\"></span>t l\u00e5neengasjement,<span class=\"_ _1\"></span> dersom det<span class=\"_ _1\"></span> for<span class=\"_ _1\"></span>eligger </span><span style=\"display:inherit;clear:left;\">s\u00e5 o<span class=\"_ _8\"></span>mfatten<span class=\"_ _8\"></span>de rett<span class=\"_ _8\"></span>ig<span class=\"_ _8\"></span>heter i l<span class=\"_ _8\"></span>\u00e5ne<span class=\"_ _8\"></span>avt<span class=\"_ _8\"></span>ale<span class=\"_ _8\"></span>n at de er eg<span class=\"_ _8\"></span>net t<span class=\"_ _8\"></span>il \u00e5 g<span class=\"_ _8\"></span>i kontrol<span class=\"_ _8\"></span>l. Sli<span class=\"_ _8\"></span>ke retti<span class=\"_ _8\"></span>gh<span class=\"_ _8\"></span>eter m\u00e5 avg<span class=\"_ _8\"></span>rense<span class=\"_ _8\"></span>s mot ord<span class=\"_ _8\"></span>in\u00e6<span class=\"_ _8\"></span>re retti<span class=\"_ _8\"></span>gh<span class=\"_ _8\"></span>eter </span><span style=\"display:inherit;clear:left;\">banken<span class=\"_ _1\"></span> har f<span class=\"_ _1\"></span>or \u00e5 beskyt<span class=\"_ _8\"></span>te<span class=\"_ _1\"></span> sitt l\u00e5neengasjement.</span><span style=\"display:inherit;clear:left;\">Datte<span class=\"_ _8\"></span>rsel<span class=\"_ _8\"></span>ska<span class=\"_ _8\"></span>per kon<span class=\"_ _8\"></span>sol<span class=\"_ _8\"></span>ide<span class=\"_ _8\"></span>res fra det t<span class=\"_ _8\"></span>ids<span class=\"_ _8\"></span>punk<span class=\"_ _8\"></span>tet re<span class=\"_ _8\"></span>ell kont<span class=\"_ _8\"></span>roll e<span class=\"_ _8\"></span>r overf\u00f8<span class=\"_ _8\"></span>rt t<span class=\"_ _8\"></span>il kons<span class=\"_ _8\"></span>ern<span class=\"_ _8\"></span>et. </span><span style=\"display:inherit;clear:left;\">Investeringer<span class=\"_ _1\"></span> i da<span class=\"_ _1\"></span>tterselskaper regnskapsf\u00f8res til<span class=\"_ _1\"></span> kostmetoden i selskapsr<span class=\"_ _1\"></span>egnskapet.</span><span style=\"display:inherit;clear:left;\">Antall<span class=\"_ _1\"></span> </span><span style=\"display:inherit;clear:left;\">Eierandel<span class=\"_ _1\"></span> </span><span style=\"display:inherit;clear:left;\">Datt<span class=\"_ _1\"></span>erselskaper<span class=\"_ _1\"></span> (balansef\u00f8rt v<span class=\"_ _1\"></span>er<span class=\"_ _1\"></span>di morbank)</span><span style=\"display:inherit;clear:left;\">aksjer</span><span style=\"display:inherit;clear:left;\">i %<span class=\"_ _19\"> </span><span class=\"ls13 ws13\">3<span class=\"_ _8\"></span>1<span class=\"_ _8\"></span>/<span class=\"_ _8\"></span>1<span class=\"_ _8\"></span>2-2<span class=\"_ _8\"></span>3<span class=\"_ _19\"> </span>3<span class=\"_ _8\"></span>1<span class=\"_ _8\"></span>/<span class=\"_ _8\"></span>1<span class=\"_ _8\"></span>2-2<span class=\"_ _8\"></span>2</span></span><span style=\"display:inherit;clear:left;\">Sparebanken V<span class=\"_ _2\"></span>est Bo<span class=\"_ _8\"></span>ligkreditt AS<span class=\"_ _14b\"> </span></span><span style=\"display:inherit;clear:left;\">6 500<span class=\"_ _1\"></span> 000<span class=\"_ _6f\"> </span></span><span style=\"display:inherit;clear:left;\">100<span class=\"_ _85\"> </span><span class=\"ls0 ws0\">6 500<span class=\"_ _83\"> </span>4 650</span></span><span style=\"display:inherit;clear:left;\">F<span class=\"_ _2\"></span>ondsobligasjoner klassifisert som egenkapital<span class=\"_ _276\"> </span>0<span class=\"_ _18\"> </span><span class=\"ls21 ws175\">675</span></span><span style=\"display:inherit;clear:left;\">Eiendomsmegler V<span class=\"_ _1\"></span>est AS<span class=\"_ _277\"> </span></span><span style=\"display:inherit;clear:left;\">1 200<span class=\"_ _6f\"> </span></span><span style=\"display:inherit;clear:left;\">100<span class=\"_ _66\"> </span><span class=\"ls128 ws1d2\">83<span class=\"_ _92\"> </span>83</span></span><span style=\"display:inherit;clear:left;\">Jonsv<span class=\"_ _1\"></span>oll Utlei<span class=\"_ _1\"></span>e AS<span class=\"_ _278\"> </span></span><span style=\"display:inherit;clear:left;\">500<span class=\"_ _108\"> </span><span class=\"ls0 ws0\">100<span class=\"_ _df\"> </span>5<span class=\"_ _df\"> </span>5</span></span><span style=\"display:inherit;clear:left;\">Sum da<span class=\"_ _1\"></span>tterselskaper<span class=\"_ _187\"> </span><span class=\"ls0 ws0\">6 5<span class=\"_ _8\"></span>88<span class=\"_ _189\"> </span><span class=\"ls127 ws1d1\">5<span class=\"_ _8\"></span> 41<span class=\"_ _8\"></span>3</span></span></span><span style=\"display:inherit;clear:left;\">Tilknyttede sels<span class=\"_ _1\"></span>kaper</span><span style=\"display:inherit;clear:left;\">Til<span class=\"_ _8\"></span>knyt<span class=\"_ _8\"></span>tet se<span class=\"_ _8\"></span>lsk<span class=\"_ _8\"></span>ap er en e<span class=\"_ _8\"></span>nhet d<span class=\"_ _8\"></span>er kons<span class=\"_ _8\"></span>ern<span class=\"_ _8\"></span>et har b<span class=\"_ _8\"></span>etyd<span class=\"_ _8\"></span>eli<span class=\"_ _8\"></span>g innf<span class=\"_ _8\"></span>ly<span class=\"_ _8\"></span>telse<span class=\"_ _8\"></span>, men i<span class=\"_ _8\"></span>kke kontro<span class=\"_ _8\"></span>ll. B<span class=\"_ _8\"></span>etyd<span class=\"_ _8\"></span>elig i<span class=\"_ _8\"></span>nnfl<span class=\"_ _8\"></span>yte<span class=\"_ _8\"></span>lse a<span class=\"_ _8\"></span>ntas \u00e5 fo<span class=\"_ _8\"></span>reli<span class=\"_ _8\"></span>g<span class=\"_ _8\"></span>ge </span><span style=\"display:inherit;clear:left;\">dersom et<span class=\"_ _1\"></span> for<span class=\"_ _1\"></span>etak dir<span class=\"_ _1\"></span>ekte eller indir<span class=\"_ _1\"></span>ekte (<span class=\"_ _1\"></span>for<span class=\"_ _1\"></span> eksempel g<span class=\"_ _8\"></span>jennom da<span class=\"_ _1\"></span>tterfore<span class=\"_ _1\"></span>tak) k<span class=\"_ _1\"></span>ontroller<span class=\"_ _1\"></span>er 2<span class=\"_ _1\"></span>0 % eller<span class=\"_ _1\"></span> mer a<span class=\"_ _1\"></span>v st<span class=\"_ _1\"></span>emmerettene<span class=\"_ _1\"></span> i </span><span style=\"display:inherit;clear:left;\">foreta<span class=\"_ _8\"></span>ket som d<span class=\"_ _8\"></span>et er inve<span class=\"_ _8\"></span>ster<span class=\"_ _8\"></span>t i, m<span class=\"_ _8\"></span>ed mi<span class=\"_ _8\"></span>ndre d<span class=\"_ _8\"></span>et kla<span class=\"_ _8\"></span>rt k<span class=\"_ _8\"></span>an godt<span class=\"_ _8\"></span>g<span class=\"_ _a\"></span>j\u00f8re<span class=\"_ _8\"></span>s at dett<span class=\"_ _8\"></span>e ikke er t<span class=\"_ _8\"></span>ilfell<span class=\"_ _8\"></span>et. M<span class=\"_ _8\"></span>otsat<span class=\"_ _8\"></span>t g<span class=\"_ _8\"></span>j<span class=\"_ _8\"></span>eld<span class=\"_ _8\"></span>er at ders<span class=\"_ _8\"></span>om et fore<span class=\"_ _8\"></span>tak </span><span style=\"display:inherit;clear:left;\">direk<span class=\"_ _8\"></span>te e<span class=\"_ _8\"></span>ller i<span class=\"_ _8\"></span>ndi<span class=\"_ _8\"></span>rek<span class=\"_ _8\"></span>te (for ekse<span class=\"_ _8\"></span>mpe<span class=\"_ _8\"></span>l g<span class=\"_ _8\"></span>je<span class=\"_ _8\"></span>nno<span class=\"_ _8\"></span>m datte<span class=\"_ _8\"></span>rfo<span class=\"_ _8\"></span>retak<span class=\"_ _8\"></span>) kontrol<span class=\"_ _8\"></span>lerer m<span class=\"_ _8\"></span>ind<span class=\"_ _8\"></span>re enn 20 % av stem<span class=\"_ _8\"></span>meret<span class=\"_ _8\"></span>ten<span class=\"_ _8\"></span>e i foreta<span class=\"_ _8\"></span>ket som de<span class=\"_ _8\"></span>t er </span><span style=\"display:inherit;clear:left;\">inves<span class=\"_ _8\"></span>ter<span class=\"_ _8\"></span>t i, ant<span class=\"_ _8\"></span>as de<span class=\"_ _8\"></span>t at foretaket i<span class=\"_ _8\"></span>kke har n<span class=\"_ _8\"></span>oen b<span class=\"_ _8\"></span>etyd<span class=\"_ _8\"></span>eli<span class=\"_ _8\"></span>g innf<span class=\"_ _8\"></span>lyt<span class=\"_ _8\"></span>else<span class=\"_ _8\"></span>, med m<span class=\"_ _8\"></span>ind<span class=\"_ _8\"></span>re det kl<span class=\"_ _8\"></span>ar<span class=\"_ _8\"></span>t kan go<span class=\"_ _8\"></span>dtg<span class=\"_ _a\"></span>j\u00f8<span class=\"_ _8\"></span>res at foret<span class=\"_ _8\"></span>aket har s<span class=\"_ _8\"></span>lik </span><span style=\"display:inherit;clear:left;\">innflytelse. Investeringer<span class=\"_ _1\"></span> i tilknyttet selskap r<span class=\"_ _1\"></span>egnskapsf\u00f8res etter eg<span class=\"_ _1\"></span>enkapitalmetoden i konsernregnskapet og k<span class=\"_ _1\"></span>ostmetoden i </span><span style=\"display:inherit;clear:left;\">selskapsregnskapet. P\u00e5 kj\u00f8pstidspunktet regnskapsf\u00f8res in<span class=\"_ _1\"></span>vesteringen til<span class=\"_ _1\"></span> anskaffelseskost.</span>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForInvestmentInAssociates",
    "language": "no",
    "entity": "scheme:213800M7T3CYVZ3ZRT12",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "s10_notes__6__60": {
   "value": "<span style=\"display:inherit;clear:left;\">Antall </span><span style=\"display:inherit;clear:left;\">Eier<span class=\"_ _1\"></span>andel </span><span style=\"display:inherit;clear:left;\">Tilknyt<span class=\"_ _1\"></span>tede selsk<span class=\"_ _1\"></span>aper (balansef<span class=\"_ _1\"></span>\u00f8rt v<span class=\"_ _1\"></span>er<span class=\"_ _1\"></span>di morbank)</span><span style=\"display:inherit;clear:left;\">aksjer</span><span style=\"display:inherit;clear:left;\">i %<span class=\"_ _c6\"> </span>31/12-<span class=\"_ _1\"></span>23<span class=\"_ _19\"> </span>31/12<span class=\"_ _1\"></span>-22</span><span style=\"display:inherit;clear:left;\">F<span class=\"_ _1\"></span>rende Holding AS<span class=\"_ _279\"> </span></span><span style=\"display:inherit;clear:left;\">2 67<span class=\"_ _2\"></span>5 614<span class=\"_ _c9\"> </span></span><span style=\"display:inherit;clear:left;\">3<span class=\"_ _8\"></span>9,58<span class=\"_ _8d\"> </span><span class=\"ls126 ws1d0\">31<span class=\"_ _8\"></span>0<span class=\"_ _8d\"> </span>310</span></span><span style=\"display:inherit;clear:left;\">Norne Securities AS<span class=\"_ _27a\"> </span>7 7<span class=\"_ _1\"></span>06 7<span class=\"_ _1\"></span>52<span class=\"_ _89\"> </span><span class=\"ls131 ws1dd\">41<span class=\"_ _8\"></span>,<span class=\"_ _8\"></span>8<span class=\"_ _8\"></span>1<span class=\"_ _68\"> </span></span>19<span class=\"_ _a1\"> </span>18</span><span style=\"display:inherit;clear:left;\">Brag<span class=\"_ _1\"></span>e Finans AS<span class=\"_ _139\"> </span>68 33<span class=\"_ _1\"></span>0 60<span class=\"_ _1\"></span>4<span class=\"_ _131\"> </span><span class=\"ls13d ws1eb\">49,<span class=\"_ _8\"></span>99<span class=\"_ _86\"> </span></span>1 060<span class=\"_ _14\"> </span><span class=\"ls120 ws1cb\">960</span></span><span style=\"display:inherit;clear:left;\">Balder Betaling A<span class=\"_ _1\"></span>S<span class=\"_ _1d4\"> </span>10 98<span class=\"_ _1\"></span>0 2<span class=\"_ _1\"></span>7<span class=\"_ _1\"></span>6<span class=\"_ _131\"> </span></span><span style=\"display:inherit;clear:left;\">38,54<span class=\"_ _78\"> </span><span class=\"ls31 ws81\">257<span class=\"_ _17\"> </span></span></span><span style=\"display:inherit;clear:left;\">222</span><span style=\"display:inherit;clear:left;\">F<span class=\"_ _2\"></span>olio AS<span class=\"_ _27b\"> </span>1 610 919<span class=\"_ _cc\"> </span></span><span style=\"display:inherit;clear:left;\">2<span class=\"_ _a\"></span>7,<span class=\"_ _a\"></span>4<span class=\"_ _a\"></span>9<span class=\"_ _95\"> </span><span class=\"ls9 ws9\">35<span class=\"_ _66\"> </span>35</span></span><span style=\"display:inherit;clear:left;\">Sum eierint<span class=\"_ _1\"></span>er<span class=\"_ _1\"></span>esser i tilkn<span class=\"_ _1\"></span>ytt<span class=\"_ _1\"></span>ede selsk<span class=\"_ _1\"></span>aper<span class=\"_ _263\"> </span><span class=\"ls83 wsdd\">1 68<span class=\"_ _8\"></span>1<span class=\"_ _107\"> </span></span>1 544</span><span style=\"display:inherit;clear:left;\">F<span class=\"_ _1\"></span>r<span class=\"_ _1\"></span>ende </span><span style=\"display:inherit;clear:left;\">Tilknyt<span class=\"_ _1\"></span>tede selsk<span class=\"_ _1\"></span>aper (balansef<span class=\"_ _1\"></span>\u00f8rt v<span class=\"_ _1\"></span>er<span class=\"_ _1\"></span>di k<span class=\"_ _1\"></span>onsern) </span><span style=\"display:inherit;clear:left;\">Holding <span class=\"_ _4\"></span> </span><span style=\"display:inherit;clear:left;\">Norne </span><span style=\"display:inherit;clear:left;\">Br<span class=\"_ _1\"></span>age </span><span style=\"display:inherit;clear:left;\">Balder </span><span style=\"display:inherit;clear:left;\">2023</span><span style=\"display:inherit;clear:left;\">Konsern</span><span style=\"display:inherit;clear:left;\">Securities AS</span><span style=\"display:inherit;clear:left;\">Finans AS</span><span style=\"display:inherit;clear:left;\">Betaling A<span class=\"_ _1\"></span>S<span class=\"_ _a5\"> </span>F<span class=\"_ _1\"></span>olio A<span class=\"_ _1\"></span>S<span class=\"_ _108\"> </span>Sum</span><span style=\"display:inherit;clear:left;\">V<span class=\"_ _1\"></span>erdi<span class=\"_ _1\"></span> i balansen<span class=\"_ _1\"></span> ved periodens begynnelse<span class=\"_ _1c\"> </span></span><span style=\"display:inherit;clear:left;\">78<span class=\"_ _8\"></span>3<span class=\"_ _116\"> </span></span><span style=\"display:inherit;clear:left;\">33<span class=\"_ _dd\"> </span></span><span style=\"display:inherit;clear:left;\">1 4<span class=\"_ _1\"></span>14<span class=\"_ _98\"> </span></span><span style=\"display:inherit;clear:left;\">3<span class=\"_ _8\"></span>30<span class=\"_ _3e\"> </span><span class=\"ls125 ws1cf\">26<span class=\"_ _89\"> </span><span class=\"ls126 ws1d0\">2<span class=\"_ _8\"></span> 586</span></span></span><span style=\"display:inherit;clear:left;\">Kapitalf<span class=\"_ _1\"></span>orh\u00f8y<span class=\"_ _2\"></span>else/kj\u00f8p<span class=\"_ _151\"> </span>0<span class=\"_ _69\"> </span>1<span class=\"_ _6f\"> </span>100<span class=\"_ _66\"> </span><span class=\"ls9 ws9\">35<span class=\"_ _4a\"> </span></span>0<span class=\"_ _12\"> </span><span class=\"ls12c ws1d6\">1<span class=\"_ _8\"></span>36</span></span><span style=\"display:inherit;clear:left;\">Utb<span class=\"_ _1\"></span>ytt<span class=\"_ _1\"></span>e/salg<span class=\"_ _27c\"> </span><span class=\"ls6 ws6\">-1<span class=\"_ _8\"></span>3<span class=\"_ _8\"></span>9<span class=\"_ _c8\"> </span></span>0<span class=\"_ _8b\"> </span>0<span class=\"_ _118\"> </span>0<span class=\"_ _4a\"> </span>0<span class=\"_ _74\"> </span><span class=\"ls6 ws6\">-13<span class=\"_ _8\"></span>9</span></span><span style=\"display:inherit;clear:left;\">\u00c5re<span class=\"_ _1\"></span>ts r<span class=\"_ _1\"></span>esulta<span class=\"_ _1\"></span>tandel<span class=\"_ _1a6\"> </span><span class=\"ls139 ws1e6\">51<span class=\"_ _69\"> </span></span>1<span class=\"_ _94\"> </span><span class=\"ls6b wsc3\">1<span class=\"_ _8\"></span>67<span class=\"_ _118\"> </span></span>0<span class=\"_ _8b\"> </span><span class=\"ls120 ws1cb\">-4<span class=\"_ _12\"> </span></span>215</span><span style=\"display:inherit;clear:left;\"><span><span style=\"display:inherit;clear:left;\">V<span class=\"_ _2\"></span>erdi i balansen v<span class=\"_ _1\"></span>ed periodens slutt</span></span><span class=\"_ _b5\"> </span></span><span style=\"display:inherit;clear:left;\">69<span class=\"_ _8\"></span>6<span class=\"_ _b6\"> </span></span><span style=\"display:inherit;clear:left;\">35<span class=\"_ _dd\"> </span></span><span style=\"display:inherit;clear:left;\">1<span class=\"_ _8\"></span> 681<span class=\"_ _98\"> </span><span class=\"ls135 ws1e2\">36<span class=\"_ _8\"></span>5<span class=\"_ _8d\"> </span></span></span><span style=\"display:inherit;clear:left;\">22<span class=\"_ _89\"> </span><span class=\"lsfc ws15e\">2<span class=\"_ _8\"></span> 79<span class=\"_ _8\"></span>8</span></span><span style=\"display:inherit;clear:left;\">F<span class=\"_ _1\"></span>r<span class=\"_ _1\"></span>ende </span><span style=\"display:inherit;clear:left;\">Tilknyt<span class=\"_ _1\"></span>tede selsk<span class=\"_ _1\"></span>aper (balansef<span class=\"_ _1\"></span>\u00f8rt v<span class=\"_ _1\"></span>er<span class=\"_ _1\"></span>di k<span class=\"_ _1\"></span>onsern) </span><span style=\"display:inherit;clear:left;\">Holding <span class=\"_ _4\"></span> </span><span style=\"display:inherit;clear:left;\">Norne </span><span style=\"display:inherit;clear:left;\">Br<span class=\"_ _1\"></span>age </span><span style=\"display:inherit;clear:left;\">Balder </span><span style=\"display:inherit;clear:left;\">2022</span><span style=\"display:inherit;clear:left;\">Konsern</span><span style=\"display:inherit;clear:left;\">Securities AS</span><span style=\"display:inherit;clear:left;\">Finans AS</span><span style=\"display:inherit;clear:left;\">Betaling A<span class=\"_ _1\"></span>S<span class=\"_ _a5\"> </span>F<span class=\"_ _1\"></span>olio A<span class=\"_ _1\"></span>S<span class=\"_ _108\"> </span>Sum</span><span style=\"display:inherit;clear:left;\">V<span class=\"_ _1\"></span>erdi<span class=\"_ _1\"></span> i balansen<span class=\"_ _1\"></span> ved periodens begynnelse<span class=\"_ _1c0\"> </span></span><span style=\"display:inherit;clear:left;\">8<span class=\"_ _8\"></span>42<span class=\"_ _b6\"> </span></span><span style=\"display:inherit;clear:left;\">20<span class=\"_ _b7\"> </span><span class=\"ls138 ws1e5\">1 0<span class=\"_ _8\"></span>82<span class=\"_ _18\"> </span></span>26<span class=\"_ _8\"></span>3<span class=\"_ _9a\"> </span><span class=\"ls0 ws0\">13<span class=\"_ _89\"> </span>2 22<span class=\"_ _1\"></span>0</span></span><span style=\"display:inherit;clear:left;\">\u00d8kning ved fusjon med E<span class=\"_ _2\"></span>tne Sparebank<span class=\"_ _240\"> </span>14<span class=\"_ _21e\"> </span>0<span class=\"_ _72\"> </span><span class=\"ls133 ws1e0\">40<span class=\"_ _118\"> </span></span>4<span class=\"_ _4a\"> </span>0<span class=\"_ _21a\"> </span><span class=\"ls31 ws81\">59</span></span><span style=\"display:inherit;clear:left;\">Kapitalf<span class=\"_ _1\"></span>orh\u00f8y<span class=\"_ _2\"></span>else/kj\u00f8p<span class=\"_ _183\"> </span>11<span class=\"_ _21e\"> </span>0<span class=\"_ _8e\"> </span><span class=\"ls125 ws1cf\">200<span class=\"_ _96\"> </span></span>63<span class=\"_ _91\"> </span>10<span class=\"_ _74\"> </span><span class=\"ls109 ws16b\">28<span class=\"_ _8\"></span>4</span></span><span style=\"display:inherit;clear:left;\">Utb<span class=\"_ _1\"></span>ytt<span class=\"_ _1\"></span>e/salg<span class=\"_ _27c\"> </span><span class=\"ls6 ws6\">-1<span class=\"_ _8\"></span>9<span class=\"_ _8\"></span>8<span class=\"_ _c8\"> </span></span>0<span class=\"_ _6f\"> </span><span class=\"ls133 ws1e0\">-<span class=\"_ _8\"></span>40<span class=\"_ _9c\"> </span></span>0<span class=\"_ _a1\"> </span>0<span class=\"_ _86\"> </span><span class=\"ls84 wsdf\">-238</span></span><span style=\"display:inherit;clear:left;\">\u00c5re<span class=\"_ _1\"></span>ts r<span class=\"_ _1\"></span>esulta<span class=\"_ _1\"></span>tandel<span class=\"_ _177\"> </span>114<span class=\"_ _a0\"> </span>12<span class=\"_ _94\"> </span><span class=\"ls125 ws1cf\">1<span class=\"_ _8\"></span>32<span class=\"_ _118\"> </span></span>0<span class=\"_ _68\"> </span>3<span class=\"_ _93\"> </span><span class=\"ls125 ws1cf\">262</span></span><span style=\"display:inherit;clear:left;\">V<span class=\"_ _2\"></span>erdi i balansen v<span class=\"_ _1\"></span>ed periodens slutt<span class=\"_ _16c\"> </span></span><span style=\"display:inherit;clear:left;\">78<span class=\"_ _8\"></span>3<span class=\"_ _b6\"> </span><span class=\"lsf wsf\">33<span class=\"_ _b7\"> </span></span></span><span style=\"display:inherit;clear:left;\">1 4<span class=\"_ _1\"></span>14<span class=\"_ _14\"> </span></span><span style=\"display:inherit;clear:left;\">330<span class=\"_ _21a\"> </span><span class=\"lsf6 ws158\">26<span class=\"_ _89\"> </span><span class=\"ls13b ws1e8\">2 586</span></span></span><span style=\"display:inherit;clear:left;\">F<span class=\"_ _1\"></span>r<span class=\"_ _1\"></span>ende </span><span style=\"display:inherit;clear:left;\">Norne </span><span style=\"display:inherit;clear:left;\">Holding <span class=\"_ _4\"></span> </span><span style=\"display:inherit;clear:left;\">Securities </span><span style=\"display:inherit;clear:left;\">Br<span class=\"_ _1\"></span>age </span><span style=\"display:inherit;clear:left;\">Balder </span><span style=\"display:inherit;clear:left;\">1)</span><span style=\"display:inherit;clear:left;\">Tilknyt<span class=\"_ _1\"></span>tede selsk<span class=\"_ _1\"></span>aper \u2013 selskapsinf<span class=\"_ _1\"></span>ormasjon \u2013 2<span class=\"_ _1\"></span>0<span class=\"_ _1\"></span>22 </span><span style=\"display:inherit;clear:left;\">Konsern</span><span style=\"display:inherit;clear:left;\">AS</span><span style=\"display:inherit;clear:left;\">Finans AS</span><span style=\"display:inherit;clear:left;\">Betaling A<span class=\"_ _1\"></span>S<span class=\"_ _a5\"> </span>F<span class=\"_ _1\"></span>olio A<span class=\"_ _1\"></span>S</span><span style=\"display:inherit;clear:left;\">Kon<span class=\"_ _1\"></span>tan<span class=\"_ _1\"></span>ter og k<span class=\"_ _1\"></span>on<span class=\"_ _1\"></span>tant<span class=\"_ _1\"></span>ekviv<span class=\"_ _1\"></span>alen<span class=\"_ _1\"></span>ter<span class=\"_ _1c3\"> </span></span><span style=\"display:inherit;clear:left;\">1<span class=\"_ _8\"></span>03<span class=\"_ _21a\"> </span></span><span style=\"display:inherit;clear:left;\">95<span class=\"_ _86\"> </span><span class=\"ls138 ws1e5\">269<span class=\"_ _25\"> </span></span></span><span style=\"display:inherit;clear:left;\">2</span><span style=\"display:inherit;clear:left;\"><span class=\"_ _8b\"> </span></span><span style=\"display:inherit;clear:left;\">15</span><span style=\"display:inherit;clear:left;\">\u00d8vrige oml\u00f8psmidler<span class=\"_ _104\"> </span><span class=\"ls126 ws1d0\">912<span class=\"_ _21a\"> </span></span>65<span class=\"_ _ba\"> </span><span class=\"ls133 ws1e0\">1<span class=\"_ _8\"></span>95<span class=\"_ _df\"> </span></span>2<span class=\"_ _68\"> </span>5</span><span style=\"display:inherit;clear:left;\">Anle</span><span style=\"display:inherit;clear:left;\">gg<span class=\"_ _1\"></span></span><span style=\"display:inherit;clear:left;\">smidler<span class=\"_ _27d\"> </span><span class=\"ls126 ws1d0\">5 991<span class=\"_ _9a\"> </span></span>15<span class=\"_ _a5\"> </span></span><span style=\"display:inherit;clear:left;\">20 5<span class=\"_ _8\"></span>03<span class=\"_ _14\"> </span></span><span style=\"display:inherit;clear:left;\">60<span class=\"_ _8\"></span>6<span class=\"_ _21a\"> </span><span class=\"ls9 ws9\">33</span></span><span style=\"display:inherit;clear:left;\">Sum eiendeler<span class=\"_ _27e\"> </span>7 005<span class=\"_ _14\"> </span><span class=\"ls140 ws1ee\">1<span class=\"_ _a\"></span>74<span class=\"_ _5b\"> </span></span>20 96<span class=\"_ _1\"></span>8<span class=\"_ _78\"> </span></span><span style=\"display:inherit;clear:left;\">610<span class=\"_ _8d\"> </span><span class=\"ls133 ws1e0\">54</span></span><span style=\"display:inherit;clear:left;\">Kortsiktig<span class=\"_ _1\"></span>e finansielle forplikt<span class=\"_ _1\"></span>elser<span class=\"_ _23d\"> </span>0<span class=\"_ _8b\"> </span>16<span class=\"_ _94\"> </span><span class=\"ls126 ws1d0\">331<span class=\"_ _118\"> </span></span>0<span class=\"_ _a1\"> </span>0</span><span style=\"display:inherit;clear:left;\">\u00d8vrig kortsiktig gjeld<span class=\"_ _1fb\"> </span>888<span class=\"_ _75\"> </span></span><span style=\"display:inherit;clear:left;\">74<span class=\"_ _108\"> </span><span class=\"ls125 ws1cf\">2<span class=\"_ _8\"></span>29<span class=\"_ _e9\"> </span></span></span><span style=\"display:inherit;clear:left;\">112</span><span style=\"display:inherit;clear:left;\"><span class=\"_ _4a\"> </span></span><span style=\"display:inherit;clear:left;\">4</span><span style=\"display:inherit;clear:left;\">Langsiktige finansielle f<span class=\"_ _1\"></span>orpliktelser<span class=\"_ _da\"> </span>4 446<span class=\"_ _a1\"> </span>5<span class=\"_ _9e\"> </span>17 334<span class=\"_ _118\"> </span>0<span class=\"_ _4a\"> </span>0</span><span style=\"display:inherit;clear:left;\">\u00d8vrige langsiktig<span class=\"_ _1\"></span>e forplikt<span class=\"_ _1\"></span>elser<span class=\"_ _27f\"> </span><span class=\"ls120 ws1cb\">60<span class=\"_ _4a\"> </span></span>0<span class=\"_ _8e\"> </span><span class=\"ls4a ws9d\">24<span class=\"_ _8\"></span>4<span class=\"_ _118\"> </span></span>0<span class=\"_ _a1\"> </span>0</span><span style=\"display:inherit;clear:left;\">Egenkapital<span class=\"_ _166\"> </span>1 611<span class=\"_ _16\"> </span></span><span style=\"display:inherit;clear:left;\">80<span class=\"_ _cc\"> </span></span><span style=\"display:inherit;clear:left;\">2<span class=\"_ _8\"></span> 829<span class=\"_ _98\"> </span><span class=\"ls13d ws1eb\">49<span class=\"_ _8\"></span>8<span class=\"_ _8d\"> </span></span></span><span style=\"display:inherit;clear:left;\">50</span><span style=\"display:inherit;clear:left;\">Sum egenkapital og gjeld<span class=\"_ _280\"> </span>7 005<span class=\"_ _14\"> </span><span class=\"ls140 ws1ee\">1<span class=\"_ _a\"></span>74<span class=\"_ _5b\"> </span></span>20 96<span class=\"_ _1\"></span>8<span class=\"_ _78\"> </span></span><span style=\"display:inherit;clear:left;\">610<span class=\"_ _8d\"> </span><span class=\"ls133 ws1e0\">54</span></span><span style=\"display:inherit;clear:left;\">Driftsinnt<span class=\"_ _1\"></span>ekter<span class=\"_ _281\"> </span></span><span style=\"display:inherit;clear:left;\">1 039<span class=\"_ _12\"> </span></span><span style=\"display:inherit;clear:left;\">155<span class=\"_ _8e\"> </span><span class=\"ls82 ws14b\">564<span class=\"_ _df\"> </span></span></span><span style=\"display:inherit;clear:left;\">6</span><span style=\"display:inherit;clear:left;\"><span class=\"_ _4a\"> </span></span><span style=\"display:inherit;clear:left;\">4</span><span style=\"display:inherit;clear:left;\">A<span class=\"_ _1\"></span>vskriving<span class=\"_ _1\"></span>er<span class=\"_ _282\"> </span></span><span style=\"display:inherit;clear:left;\">-23<span class=\"_ _8b\"> </span></span><span style=\"display:inherit;clear:left;\">-4<span class=\"_ _94\"> </span><span class=\"ls125 ws1cf\">-20<span class=\"_ _118\"> </span></span></span><span style=\"display:inherit;clear:left;\">0</span><span style=\"display:inherit;clear:left;\"><span class=\"_ _e9\"> </span><span class=\"ls120 ws1cb\">-4</span></span><span style=\"display:inherit;clear:left;\">\u00d8vrige driftsk<span class=\"_ _1\"></span>ostna<span class=\"_ _1\"></span>der<span class=\"_ _7c\"> </span>-64<span class=\"_ _2\"></span>7<span class=\"_ _94\"> </span>-<span class=\"_ _1\"></span>122<span class=\"_ _8e\"> </span><span class=\"ls6 ws6\">-1<span class=\"_ _a\"></span>79<span class=\"_ _a2\"> </span></span>-6<span class=\"_ _16\"> </span><span class=\"ls6 ws6\">-1<span class=\"_ _a\"></span>7</span></span><span style=\"display:inherit;clear:left;\">Annen finansinnt<span class=\"_ _1\"></span>ekt<span class=\"_ _283\"> </span><span class=\"ls13f ws1ed\">83<span class=\"_ _68\"> </span></span>3<span class=\"_ _8b\"> </span>0<span class=\"_ _66\"> </span><span class=\"ls12c ws1d6\">30<span class=\"_ _4a\"> </span></span>0</span><span style=\"display:inherit;clear:left;\">Annen ren<span class=\"_ _1\"></span>t<span class=\"_ _1\"></span>ekos<span class=\"_ _1\"></span>tnad<span class=\"_ _145\"> </span></span><span style=\"display:inherit;clear:left;\">-20<span class=\"_ _10\"> </span><span class=\"ls84 wsdf\">-2<span class=\"_ _9a\"> </span></span></span><span style=\"display:inherit;clear:left;\">0</span><span style=\"display:inherit;clear:left;\"><span class=\"_ _9c\"> </span></span><span style=\"display:inherit;clear:left;\">0</span><span style=\"display:inherit;clear:left;\"><span class=\"_ _a1\"> </span></span><span style=\"display:inherit;clear:left;\">0</span><span style=\"display:inherit;clear:left;\">Ska<span class=\"_ _1\"></span>tt<span class=\"_ _1\"></span>ekos<span class=\"_ _1\"></span>tnad<span class=\"_ _26c\"> </span><span class=\"ls6 ws6\">-1<span class=\"_ _a\"></span>27<span class=\"_ _68\"> </span></span>0<span class=\"_ _74\"> </span><span class=\"ls132 ws1de\">-<span class=\"_ _a\"></span>87<span class=\"_ _df\"> </span></span>0<span class=\"_ _4a\"> </span>0</span><span style=\"display:inherit;clear:left;\">T<span class=\"_ _0\"></span>otalresult<span class=\"_ _1\"></span>a<span class=\"_ _1\"></span>t et<span class=\"_ _1\"></span>ter ska<span class=\"_ _2\"></span>tt<span class=\"_ _284\"> </span></span><span style=\"display:inherit;clear:left;\">305<span class=\"_ _9a\"> </span></span><span style=\"display:inherit;clear:left;\">31<span class=\"_ _6e\"> </span><span class=\"ls61 wsb5\">278<span class=\"_ _96\"> </span></span></span><span style=\"display:inherit;clear:left;\">30</span><span style=\"display:inherit;clear:left;\"><span class=\"_ _16\"> </span><span class=\"ls6 ws6\">-1<span class=\"_ _a\"></span>7</span></span><span style=\"display:inherit;clear:left;\">Mot<span class=\"_ _1\"></span>ta<span class=\"_ _1\"></span>tt utb<span class=\"_ _1\"></span>yt<span class=\"_ _1\"></span>te fr<span class=\"_ _1\"></span>a tilkn<span class=\"_ _1\"></span>ytt<span class=\"_ _1\"></span>et virk<span class=\"_ _1\"></span>somhet  </span><span style=\"display:inherit;clear:left;\">(andel Sparebank<span class=\"_ _1\"></span>en V<span class=\"_ _2\"></span>est)<span class=\"_ _285\"> </span><span class=\"ls82 ws14b\">150<span class=\"_ _a1\"> </span></span>0<span class=\"_ _8b\"> </span>0<span class=\"_ _118\"> </span>0<span class=\"_ _4a\"> </span>0</span><span style=\"display:inherit;clear:left;\">1)</span><span style=\"display:inherit;clear:left;\"> T<span class=\"_ _1\"></span>a<span class=\"_ _1\"></span>bel<span class=\"_ _8\"></span>len vi<span class=\"_ _8\"></span>ser re<span class=\"_ _8\"></span>gnskapstall f<span class=\"_ _1\"></span>or tilknyt<span class=\"_ _2\"></span>tede s<span class=\"_ _8\"></span>elskap fra siste o<span class=\"_ _1\"></span>f<span class=\"_ _1\"></span>fisie<span class=\"_ _8\"></span>lle re<span class=\"_ _8\"></span>gnskap p<span class=\"_ _8\"></span>r. 3<span class=\"_ _1\"></span>1/<span class=\"_ _1\"></span>12<span class=\"_ _1\"></span>-<span class=\"_ _1\"></span>2022 (<span class=\"_ _1\"></span>p\u00e5 100 %<span class=\"_ _1\"></span>-basis)<span class=\"_ _1\"></span>.</span><span style=\"display:inherit;clear:left;\">Kons<span class=\"_ _8\"></span>erne<span class=\"_ _8\"></span>t F<span class=\"_ _1\"></span>rende Fors<span class=\"_ _8\"></span>ikri<span class=\"_ _8\"></span>ng be<span class=\"_ _8\"></span>st<span class=\"_ _8\"></span>\u00e5r av mors<span class=\"_ _8\"></span>els<span class=\"_ _8\"></span>kape<span class=\"_ _8\"></span>t F<span class=\"_ _1\"></span>rende H<span class=\"_ _8\"></span>ol<span class=\"_ _8\"></span>ding A<span class=\"_ _8\"></span>S som v<span class=\"_ _8\"></span>ide<span class=\"_ _8\"></span>reut<span class=\"_ _8\"></span>vikl<span class=\"_ _8\"></span>er og fo<span class=\"_ _8\"></span>rva<span class=\"_ _8\"></span>lter ei<span class=\"_ _8\"></span>ers<span class=\"_ _8\"></span>elsk<span class=\"_ _8\"></span>apet i d<span class=\"_ _8\"></span>e hel<span class=\"_ _8\"></span>eid<span class=\"_ _8\"></span>e </span><span style=\"display:inherit;clear:left;\">datterselskapene F<span class=\"_ _1\"></span>r<span class=\"_ _1\"></span>ende Skadef<span class=\"_ _1\"></span>orsikring AS og F<span class=\"_ _2\"></span>rende Livsforsikring AS.</span><span style=\"display:inherit;clear:left;\">Norne Securities AS<span class=\"_ _1\"></span> er et<span class=\"_ _1\"></span> ver<span class=\"_ _1\"></span>dipapirforetak<span class=\"_ _1\"></span> som tilb<span class=\"_ _1\"></span>yr in<span class=\"_ _1\"></span>vestering<span class=\"_ _1\"></span>stjenester til<span class=\"_ _1\"></span> bedrifts- og<span class=\"_ _1\"></span> priva<span class=\"_ _1\"></span>tmarkedet.<span class=\"_ _1\"></span> </span><span style=\"display:inherit;clear:left;\">Brage Finans AS<span class=\"_ _1\"></span> er et<span class=\"_ _1\"></span> finansieringsselskap og selskapets virksomhetsomr\u00e5de er finansiering a<span class=\"_ _1\"></span>v l\u00f8s\u00f8re, herunder leasing </span><span style=\"display:inherit;clear:left;\">(leiefinansiering) og salgspantl\u00e5n.<span class=\"_ _1\"></span> Distribusjon a<span class=\"_ _1\"></span>v<span class=\"_ _1\"></span> selskapets pr<span class=\"_ _1\"></span>odukter skjer g<span class=\"_ _8\"></span>jennom eierbank<span class=\"_ _1\"></span>er<span class=\"_ _2\"></span>, via<span class=\"_ _1\"></span> forhandler<span class=\"_ _1\"></span>e og gjennom eget </span><span style=\"display:inherit;clear:left;\">salgsappara<span class=\"_ _1\"></span>t. </span><span style=\"display:inherit;clear:left;\">Balder Betaling AS er<span class=\"_ _1\"></span> et sels<span class=\"_ _1\"></span>kap som ut<span class=\"_ _1\"></span>\u00f8v<span class=\"_ _1\"></span>er eiersk<span class=\"_ _1\"></span>apet i Vipps<span class=\"_ _1\"></span> Holding AS f<span class=\"_ _1\"></span>or Spar<span class=\"_ _1\"></span>ebanken<span class=\"_ _1\"></span> V<span class=\"_ _1\"></span>est og fler<span class=\"_ _1\"></span>e andr<span class=\"_ _1\"></span>e spar<span class=\"_ _1\"></span>ebanker<span class=\"_ _0\"></span>. Balder </span><span style=\"display:inherit;clear:left;\">Betaling har en<span class=\"_ _1\"></span> eierandel<span class=\"_ _1\"></span> i Vipps Holding AS<span class=\"_ _1\"></span> p\u00e5 10<span class=\"_ _1\"></span>,49<span class=\"_ _1\"></span> %, og Sparebank<span class=\"_ _1\"></span>en V<span class=\"_ _2\"></span>e<span class=\"_ _8\"></span>st er<span class=\"_ _1\"></span> videre<span class=\"_ _1\"></span> den st\u00f8rst<span class=\"_ _1\"></span>e eier<span class=\"_ _1\"></span>en i<span class=\"_ _1\"></span> Balder med en eier<span class=\"_ _1\"></span>andel </span><span style=\"display:inherit;clear:left;\">p\u00e5 38,54 %. Selskapet sikrer et<span class=\"_ _1\"></span> kra<span class=\"_ _1\"></span>ftfullt norsk alterna<span class=\"_ _1\"></span>tiv til stor<span class=\"_ _1\"></span>e int<span class=\"_ _1\"></span>ernasjonale akt\u00f8rer innenfor<span class=\"_ _1\"></span> betalingsformidling.</span><span style=\"display:inherit;clear:left;\">Folio AS e<span class=\"_ _8\"></span>r et tekn<span class=\"_ _8\"></span>olo<span class=\"_ _8\"></span>g<span class=\"_ _8\"></span>isel<span class=\"_ _8\"></span>skap s<span class=\"_ _8\"></span>om byg<span class=\"_ _8\"></span>ger s<span class=\"_ _8\"></span>mar<span class=\"_ _8\"></span>tere t<span class=\"_ _8\"></span>jene<span class=\"_ _8\"></span>ste<span class=\"_ _8\"></span>r for \u00e5 sta<span class=\"_ _8\"></span>rt<span class=\"_ _8\"></span>e og dri<span class=\"_ _8\"></span>ve et sel<span class=\"_ _8\"></span>ska<span class=\"_ _8\"></span>p.</span>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfSignificantInvestmentsInAssociatesExplanatory",
    "language": "no",
    "entity": "scheme:213800M7T3CYVZ3ZRT12",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "s10_notes__6__64": {
   "value": "<span style=\"display:inherit;clear:left;\">Note 2<span class=\"_ _8\"></span>4 Fi<span class=\"_ _8\"></span>na<span class=\"_ _8\"></span>nsielle<span class=\"_ _8\"></span> der<span class=\"_ _8\"></span>ivater</span><span style=\"display:inherit;clear:left;\">Sparebank<span class=\"_ _1\"></span>en V<span class=\"_ _1\"></span>est<span class=\"_ _1\"></span> benytter finansielle<span class=\"_ _1\"></span> deriva<span class=\"_ _1\"></span>ter f<span class=\"_ _1\"></span>or \u00e5<span class=\"_ _1\"></span> styre r<span class=\"_ _1\"></span>ente<span class=\"_ _1\"></span>- og<span class=\"_ _1\"></span> valutarisik<span class=\"_ _1\"></span>o.<span class=\"_ _1\"></span> Finansielle deriv<span class=\"_ _1\"></span>at<span class=\"_ _1\"></span>er er<span class=\"_ _1\"></span> avtaler som inng\u00e5s<span class=\"_ _1\"></span> med </span><span style=\"display:inherit;clear:left;\">clearing house, finansi<span class=\"_ _1\"></span>nstitusjoner<span class=\"_ _1\"></span> eller kunder f<span class=\"_ _1\"></span>or \u00e5<span class=\"_ _1\"></span> fastsette<span class=\"_ _1\"></span> ren<span class=\"_ _1\"></span>tevilk<span class=\"_ _1\"></span>\u00e5r<span class=\"_ _2\"></span>, valutakur<span class=\"_ _1\"></span>ser og v<span class=\"_ _1\"></span>erdi<span class=\"_ _1\"></span> av<span class=\"_ _1\"></span> egenkapitalinstrumen<span class=\"_ _1\"></span>ter f<span class=\"_ _1\"></span>or </span><span style=\"display:inherit;clear:left;\">bestemte perioder<span class=\"_ _0\"></span>.</span><span style=\"display:inherit;clear:left;\">V<span class=\"_ _2\"></span>erdset<span class=\"_ _1\"></span>telsesme<span class=\"_ _1\"></span>t<span class=\"_ _1\"></span>ode og r<span class=\"_ _1\"></span>egnskapsprinsipper </span><span style=\"display:inherit;clear:left;\">Alle deriva<span class=\"_ _1\"></span>ter<span class=\"_ _1\"></span> er vur<span class=\"_ _1\"></span>dert til virk<span class=\"_ _1\"></span>elig ver<span class=\"_ _1\"></span>di og<span class=\"_ _1\"></span> kursgevi<span class=\"_ _1\"></span>nst/<span class=\"_ _1\"></span>-<span class=\"_ _2\"></span>tap er klassifisert som netto ge<span class=\"_ _1\"></span>vinst/tap finansielle<span class=\"_ _1\"></span> instrumenter<span class=\"_ _0\"></span>. Renter </span><span style=\"display:inherit;clear:left;\">fra der<span class=\"_ _8\"></span>ivater so<span class=\"_ _8\"></span>m er in<span class=\"_ _8\"></span>ng\u00e5tt fo<span class=\"_ _8\"></span>r \u00e5 sty<span class=\"_ _8\"></span>re renter<span class=\"_ _8\"></span>isiko i b<span class=\"_ _8\"></span>ankens o<span class=\"_ _8\"></span>rdin\u00e6<span class=\"_ _8\"></span>re por<span class=\"_ _8\"></span>tef\u00f8<span class=\"_ _8\"></span>lje<span class=\"_ _8\"></span>r er kla<span class=\"_ _8\"></span>ssi<span class=\"_ _8\"></span>fis<span class=\"_ _8\"></span>er<span class=\"_ _8\"></span>t som re<span class=\"_ _8\"></span>nte og f\u00f8r<span class=\"_ _8\"></span>t so<span class=\"_ _8\"></span>m en jus<span class=\"_ _8\"></span>teri<span class=\"_ _8\"></span>ng </span><span style=\"display:inherit;clear:left;\">til bank<span class=\"_ _1\"></span>ens \u00f8<span class=\"_ _1\"></span>vrige r<span class=\"_ _1\"></span>entein<span class=\"_ _1\"></span>ntekter<span class=\"_ _1\"></span>/<span class=\"_ _2\"></span>-kostna<span class=\"_ _1\"></span>der<span class=\"_ _2\"></span>.</span><span style=\"display:inherit;clear:left;\">Sparebank<span class=\"_ _1\"></span>en V<span class=\"_ _1\"></span>est<span class=\"_ _1\"></span> har an<span class=\"_ _1\"></span>vendt<span class=\"_ _1\"></span> f\u00f8lgende<span class=\"_ _1\"></span> finansielle deriv<span class=\"_ _1\"></span>at<span class=\"_ _1\"></span>er g<span class=\"_ _8\"></span>jennom \u00e5r<span class=\"_ _1\"></span>et:</span><span style=\"display:inherit;clear:left;\">V<span class=\"_ _2\"></span>alutat<span class=\"_ _1\"></span>erminf<span class=\"_ _1\"></span>orr<span class=\"_ _1\"></span>e<span class=\"_ _1\"></span>tning<span class=\"_ _1\"></span>er <span class=\"_ _21\"> </span> <span class=\"_ _28d\"></span>      </span><span style=\"display:inherit;clear:left;\">V<span class=\"_ _1\"></span>aluta<span class=\"_ _1\"></span>terminf<span class=\"_ _1\"></span>orretn<span class=\"_ _1\"></span>inger er<span class=\"_ _1\"></span> a<span class=\"_ _1\"></span>vtaler om kj\u00f8p eller salg<span class=\"_ _1\"></span> av<span class=\"_ _1\"></span> et bestem<span class=\"_ _1\"></span>t v<span class=\"_ _1\"></span>alutabel\u00f8p p\u00e5 et<span class=\"_ _1\"></span> frem<span class=\"_ _1\"></span>tidig tidspunkt til<span class=\"_ _1\"></span> en a<span class=\"_ _1\"></span>vtalt kurs. </span><span style=\"display:inherit;clear:left;\">Rent<span class=\"_ _1\"></span>ea<span class=\"_ _1\"></span>vtaler</span><span style=\"display:inherit;clear:left;\">\u2022  <span class=\"_ _4\"></span>R<span class=\"_ _8\"></span>enteby<span class=\"_ _8\"></span>tte<span class=\"_ _8\"></span>avt<span class=\"_ _8\"></span>ale<span class=\"_ _8\"></span>r (renteswa<span class=\"_ _8\"></span>ppe<span class=\"_ _8\"></span>r) som er e<span class=\"_ _8\"></span>n avt<span class=\"_ _8\"></span>ale o<span class=\"_ _8\"></span>m byt<span class=\"_ _8\"></span>te av rentebe<span class=\"_ _8\"></span>tinge<span class=\"_ _8\"></span>lse<span class=\"_ _8\"></span>r (fast mot fl<span class=\"_ _8\"></span>yte<span class=\"_ _8\"></span>nde) for e<span class=\"_ _8\"></span>t bes<span class=\"_ _8\"></span>temt b<span class=\"_ _8\"></span>el\u00f8<span class=\"_ _8\"></span>p over en </span><span style=\"display:inherit;clear:left;\">bestemt periode. </span><span style=\"display:inherit;clear:left;\">\u2022  <span class=\"_ _4\"></span>Renteopsjoner (<span class=\"_ _1\"></span>call) gir kj\u00f8per r<span class=\"_ _1\"></span>ett til \u00e5<span class=\"_ _1\"></span> motta fr<span class=\"_ _1\"></span>a selg<span class=\"_ _1\"></span>er differ<span class=\"_ _1\"></span>ansen mellom<span class=\"_ _1\"></span> markedsr<span class=\"_ _1\"></span>ente<span class=\"_ _1\"></span> og a<span class=\"_ _1\"></span>vtalt ren<span class=\"_ _1\"></span>te, der<span class=\"_ _1\"></span>som markeds<span class=\"_ _1\"></span>rent<span class=\"_ _1\"></span>en </span><span style=\"display:inherit;clear:left;\">er h\u00f8<span class=\"_ _1\"></span>yer<span class=\"_ _1\"></span>e enn a<span class=\"_ _1\"></span>vtalt r<span class=\"_ _1\"></span>ente,<span class=\"_ _1\"></span> for e<span class=\"_ _1\"></span>t bestemt<span class=\"_ _1\"></span> bel\u00f8p ov<span class=\"_ _1\"></span>er en<span class=\"_ _1\"></span> bestemt periode.</span><span style=\"display:inherit;clear:left;\">\u2022  <span class=\"_ _4\"></span>Renteopsjoner (put) gir kj\u00f8per<span class=\"_ _1\"></span> rett til<span class=\"_ _1\"></span> \u00e5 mo<span class=\"_ _1\"></span>tta fra<span class=\"_ _1\"></span> selger di<span class=\"_ _1\"></span>fferansen<span class=\"_ _1\"></span> mellom mark<span class=\"_ _1\"></span>edsren<span class=\"_ _1\"></span>te og<span class=\"_ _1\"></span> avtalt r<span class=\"_ _1\"></span>ente,<span class=\"_ _1\"></span> dersom mark<span class=\"_ _1\"></span>edsren<span class=\"_ _1\"></span>ten </span><span style=\"display:inherit;clear:left;\">er la<span class=\"_ _1\"></span>ver<span class=\"_ _1\"></span>e enn<span class=\"_ _1\"></span> avtalt r<span class=\"_ _1\"></span>ente,<span class=\"_ _1\"></span> for<span class=\"_ _1\"></span> et bestem<span class=\"_ _1\"></span>t bel\u00f8p o<span class=\"_ _1\"></span>ver en<span class=\"_ _1\"></span> bestemt periode.</span><span style=\"display:inherit;clear:left;\">Rent<span class=\"_ _1\"></span>e og v<span class=\"_ _1\"></span>alutaderiv<span class=\"_ _2\"></span>at<span class=\"_ _1\"></span>er</span><span style=\"display:inherit;clear:left;\">\u2022 Rent<span class=\"_ _1\"></span>e- og<span class=\"_ _1\"></span> valutab<span class=\"_ _1\"></span>ytteavtaler (c<span class=\"_ _1\"></span>ross<span class=\"_ _1\"></span>-curr<span class=\"_ _1\"></span>ency i<span class=\"_ _1\"></span>nter<span class=\"_ _1\"></span>est ra<span class=\"_ _1\"></span>te<span class=\"_ _1\"></span> swap<span class=\"_ _1\"></span>) der<span class=\"_ _1\"></span> a<span class=\"_ _1\"></span>vtalen omfa<span class=\"_ _1\"></span>tter b<span class=\"_ _1\"></span>ytte b\u00e5de a<span class=\"_ _1\"></span>v r<span class=\"_ _1\"></span>ent<span class=\"_ _1\"></span>e- og<span class=\"_ _1\"></span> valutabeting<span class=\"_ _1\"></span>elser<span class=\"_ _2\"></span>.</span><span style=\"display:inherit;clear:left;\">T<span class=\"_ _2\"></span>abellen nedenfor viser<span class=\"_ _1\"></span> de finansielle<span class=\"_ _1\"></span> deriva<span class=\"_ _1\"></span>tenes nominelle<span class=\"_ _1\"></span> ver<span class=\"_ _1\"></span>di f<span class=\"_ _1\"></span>ordelt<span class=\"_ _1\"></span> p\u00e5 type deriva<span class=\"_ _1\"></span>ter<span class=\"_ _1\"></span> i tillegg til positiv<span class=\"_ _1\"></span>e og nega<span class=\"_ _1\"></span>tive<span class=\"_ _1\"></span> </span><span style=\"display:inherit;clear:left;\">markedsv<span class=\"_ _1\"></span>erdier<span class=\"_ _0\"></span>. Positive<span class=\"_ _1\"></span> markedsv<span class=\"_ _1\"></span>erdier<span class=\"_ _1\"></span> er innr<span class=\"_ _1\"></span>egnet som eie<span class=\"_ _1\"></span>ndel i balansen,<span class=\"_ _1\"></span> mens nega<span class=\"_ _1\"></span>tive mark<span class=\"_ _1\"></span>edsv<span class=\"_ _1\"></span>erdier<span class=\"_ _1\"></span> er innr<span class=\"_ _1\"></span>egnet som </span><span style=\"display:inherit;clear:left;\">g<span class=\"_ _8\"></span>jeld.</span><span style=\"display:inherit;clear:left;\">31/12-<span class=\"_ _1\"></span>2023<span class=\"_ _1d8\"> </span>31/12-<span class=\"_ _1\"></span>2022</span><span style=\"display:inherit;clear:left;\">Positiv </span><span style=\"display:inherit;clear:left;\">Negat<span class=\"_ _1\"></span>iv </span><span style=\"display:inherit;clear:left;\">Positiv </span><span style=\"display:inherit;clear:left;\">Negat<span class=\"_ _1\"></span>iv </span><span style=\"display:inherit;clear:left;\">Nominell <span class=\"_ _4\"></span><span class=\"ls0 ws0\"> </span></span><span style=\"display:inherit;clear:left;\">markeds<span class=\"_ _1\"></span>-</span><span style=\"display:inherit;clear:left;\">markeds<span class=\"_ _1\"></span><span class=\"ls0 ws0\">-</span></span><span style=\"display:inherit;clear:left;\">Nominell <span class=\"_ _4\"></span><span class=\"ls0 ws0\"> </span></span><span style=\"display:inherit;clear:left;\">markeds<span class=\"_ _1\"></span>-</span><span style=\"display:inherit;clear:left;\">markeds<span class=\"_ _1\"></span><span class=\"ls0 ws0\">-</span></span><span style=\"display:inherit;clear:left;\">KONSERN</span><span style=\"display:inherit;clear:left;\">verd<span class=\"_ _8\"></span>i</span><span style=\"display:inherit;clear:left;\">verd<span class=\"_ _8\"></span>i</span><span style=\"display:inherit;clear:left;\">verd<span class=\"_ _8\"></span>i</span><span style=\"display:inherit;clear:left;\">verd<span class=\"_ _8\"></span>i</span><span style=\"display:inherit;clear:left;\">verd<span class=\"_ _8\"></span>i</span><span style=\"display:inherit;clear:left;\">verd<span class=\"_ _8\"></span>i</span><span style=\"display:inherit;clear:left;\">Renteswapper<span class=\"_ _1c2\"> </span></span><span style=\"display:inherit;clear:left;\">118 3<span class=\"_ _8\"></span>46<span class=\"_ _63\"> </span>2<span class=\"_ _91\"> </span><span class=\"ls21 ws175\">9<span class=\"_ _8\"></span>75<span class=\"_ _94\"> </span></span>110 013<span class=\"_ _10\"> </span><span class=\"ls121 wsaa\">2<span class=\"_ _8\"></span>15<span class=\"_ _5d\"> </span><span class=\"ls12a ws1d4\">1<span class=\"_ _8\"></span> 0<span class=\"_ _8\"></span>47</span></span></span><span style=\"display:inherit;clear:left;\">Opsjoner<span class=\"_ _1\"></span>/<span class=\"_ _1\"></span>Cap/Floor<span class=\"_ _2\"></span>/Collar<span class=\"_ _1\"></span>/Sw<span class=\"_ _1\"></span>aption <span class=\"_ _120\"> </span><span class=\"ls0 ws0\">0<span class=\"_ _13\"> </span>0<span class=\"_ _13\"> </span>0<span class=\"_ _43\"> </span>0<span class=\"_ _49\"> </span>1<span class=\"_ _10c\"> </span>0</span></span><span style=\"display:inherit;clear:left;\">Sum rent<span class=\"_ _1\"></span>einstrumenter<span class=\"_ _11d\"> </span></span><span style=\"display:inherit;clear:left;\">118 34<span class=\"_ _8\"></span>6<span class=\"_ _10c\"> </span>2<span class=\"_ _e9\"> </span><span class=\"ls21 ws175\">975<span class=\"_ _94\"> </span></span>110 0<span class=\"_ _8\"></span>13<span class=\"_ _10\"> </span><span class=\"ls123 ws1cd\">216<span class=\"_ _5d\"> </span><span class=\"ls12a ws1d4\">1<span class=\"_ _8\"></span> 0<span class=\"_ _a\"></span>47</span></span></span><span style=\"display:inherit;clear:left;\">Rentederiv<span class=\"_ _1\"></span>at<span class=\"_ _1\"></span>er \u00f8remerk<span class=\"_ _1\"></span>et<span class=\"_ _1\"></span> for si<span class=\"_ _1\"></span>kringsform\u00e5l<span class=\"_ _1b\"> </span></span><span style=\"display:inherit;clear:left;\">3<span class=\"_ _8\"></span> 750<span class=\"_ _118\"> </span></span><span style=\"display:inherit;clear:left;\">16<span class=\"_ _10\"> </span><span class=\"ls12 ws12\">136<span class=\"_ _8d\"> </span></span></span><span style=\"display:inherit;clear:left;\">3<span class=\"_ _8\"></span> 750</span><span style=\"display:inherit;clear:left;\"><span class=\"_ _9d\"> </span><span class=\"ls122 ws1cc\">26<span class=\"_ _9a\"> </span><span class=\"ls12 ws12\">130</span></span></span><span style=\"display:inherit;clear:left;\">Rente<span class=\"_ _1\"></span>- og v<span class=\"_ _1\"></span>alutaderiv<span class=\"_ _1\"></span>at<span class=\"_ _1\"></span>er \u00f8remerk<span class=\"_ _1\"></span>et<span class=\"_ _1\"></span> for </span><span style=\"display:inherit;clear:left;\">sikringsform\u00e5l<span class=\"_ _f5\"> </span></span><span style=\"display:inherit;clear:left;\">16 896<span class=\"_ _93\"> </span></span><span style=\"display:inherit;clear:left;\">1 928<span class=\"_ _75\"> </span></span><span style=\"display:inherit;clear:left;\">236<span class=\"_ _72\"> </span><span class=\"ls0 ws0\">15 8<span class=\"_ _8\"></span>98<span class=\"_ _1b\"> </span><span class=\"ls125 ws1cf\">1 2<span class=\"_ _8\"></span>70<span class=\"_ _10c\"> </span></span>0</span></span><span style=\"display:inherit;clear:left;\">Sum deriv<span class=\"_ _1\"></span>at<span class=\"_ _1\"></span>er \u00f8remerk<span class=\"_ _1\"></span>et<span class=\"_ _1\"></span> for s<span class=\"_ _1\"></span>ikringsform\u00e5l<span class=\"_ _ba\"> </span><span class=\"ls0 ws0\">20 64<span class=\"_ _8\"></span>6<span class=\"_ _94\"> </span>1 944<span class=\"_ _8b\"> </span><span class=\"ls108 ws16a\">372<span class=\"_ _93\"> </span></span>19 64<span class=\"_ _8\"></span>8<span class=\"_ _93\"> </span>1 296<span class=\"_ _10\"> </span><span class=\"ls12 ws12\">130</span></span></span><span style=\"display:inherit;clear:left;\">Rente<span class=\"_ _1\"></span>- og v<span class=\"_ _1\"></span>alutaderiv<span class=\"_ _1\"></span>at<span class=\"_ _1\"></span>er<span class=\"_ _21b\"> </span></span><span style=\"display:inherit;clear:left;\">4<span class=\"_ _a\"></span>5<span class=\"_ _8\"></span> 4<span class=\"_ _8\"></span>74<span class=\"_ _74\"> </span></span><span style=\"display:inherit;clear:left;\">3 326<span class=\"_ _13\"> </span></span><span style=\"display:inherit;clear:left;\">4<span class=\"_ _5d\"> </span></span><span style=\"display:inherit;clear:left;\">37 983<span class=\"_ _75\"> </span><span class=\"ls11e wsb9\">962<span class=\"_ _91\"> </span><span class=\"ls125 ws1cf\">570</span></span></span><span style=\"display:inherit;clear:left;\">T<span class=\"_ _2\"></span>erminer<span class=\"_ _18b\"> </span></span><span style=\"display:inherit;clear:left;\">24 2<span class=\"_ _8\"></span>3<span class=\"_ _8\"></span>9<span class=\"_ _10\"> </span></span><span style=\"display:inherit;clear:left;\">130<span class=\"_ _3e\"> </span></span><span style=\"display:inherit;clear:left;\">320<span class=\"_ _5d\"> </span></span><span style=\"display:inherit;clear:left;\">12 54<span class=\"_ _8\"></span>4<span class=\"_ _3d\"> </span><span class=\"ls123 ws1cd\">101<span class=\"_ _92\"> </span><span class=\"ls21 ws175\">175</span></span></span><span style=\"display:inherit;clear:left;\">Sum r<span class=\"_ _1\"></span>ente<span class=\"_ _1\"></span>- og v<span class=\"_ _1\"></span>alutarela<span class=\"_ _1\"></span>terte<span class=\"_ _1\"></span> kontr<span class=\"_ _1\"></span>akter<span class=\"_ _9d\"> </span><span class=\"ls0 ws0\">69 7<span class=\"_ _8\"></span>13<span class=\"_ _108\"> </span>3 456<span class=\"_ _75\"> </span><span class=\"ls84 wsdf\">324<span class=\"_ _74\"> </span><span class=\"ls126 ws1d0\">5<span class=\"_ _8\"></span>0 528<span class=\"_ _74\"> </span></span></span>1 06<span class=\"_ _8\"></span>4<span class=\"_ _75\"> </span><span class=\"ls124 ws1ce\">74<span class=\"_ _a\"></span>5</span></span></span><span style=\"display:inherit;clear:left;\">Sum OT<span class=\"_ _1\"></span>C-deriv<span class=\"_ _1\"></span>a<span class=\"_ _1\"></span>ter<span class=\"_ _199\"> </span></span><span style=\"display:inherit;clear:left;\">208<span class=\"_ _8\"></span> 705<span class=\"_ _94\"> </span><span class=\"ls0 ws0\">5 401<span class=\"_ _5d\"> </span></span>1 6<span class=\"_ _8\"></span>70<span class=\"_ _9b\"> </span></span><span style=\"display:inherit;clear:left;\">180 189<span class=\"_ _94\"> </span><span class=\"ls83 wsdd\">2 575<span class=\"_ _5d\"> </span><span class=\"ls0 ws0\">1 922</span></span></span><span style=\"display:inherit;clear:left;\">31/12-<span class=\"_ _1\"></span>2023<span class=\"_ _1d8\"> </span>31/12-<span class=\"_ _1\"></span>2022</span><span style=\"display:inherit;clear:left;\">Positiv </span><span style=\"display:inherit;clear:left;\">Negat<span class=\"_ _1\"></span>iv </span><span style=\"display:inherit;clear:left;\">Positiv </span><span style=\"display:inherit;clear:left;\">Negat<span class=\"_ _1\"></span>iv </span><span style=\"display:inherit;clear:left;\">Nominell <span class=\"_ _4\"></span><span class=\"ls0 ws0\"> </span></span><span style=\"display:inherit;clear:left;\">markeds<span class=\"_ _1\"></span>-</span><span style=\"display:inherit;clear:left;\">markeds<span class=\"_ _1\"></span><span class=\"ls0 ws0\">-</span></span><span style=\"display:inherit;clear:left;\">Nominell <span class=\"_ _4\"></span><span class=\"ls0 ws0\"> </span></span><span style=\"display:inherit;clear:left;\">markeds<span class=\"_ _1\"></span>-</span><span style=\"display:inherit;clear:left;\">markeds<span class=\"_ _1\"></span><span class=\"ls0 ws0\">-</span></span><span style=\"display:inherit;clear:left;\">MORBANK</span><span style=\"display:inherit;clear:left;\">verd<span class=\"_ _8\"></span>i</span><span style=\"display:inherit;clear:left;\">verd<span class=\"_ _8\"></span>i</span><span style=\"display:inherit;clear:left;\">verd<span class=\"_ _8\"></span>i</span><span style=\"display:inherit;clear:left;\">verd<span class=\"_ _8\"></span>i</span><span style=\"display:inherit;clear:left;\">verd<span class=\"_ _8\"></span>i</span><span style=\"display:inherit;clear:left;\">verd<span class=\"_ _8\"></span>i</span><span style=\"display:inherit;clear:left;\">Renteswapper<span class=\"_ _32\"> </span></span><span style=\"display:inherit;clear:left;\">131 7<span class=\"_ _8\"></span>19<span class=\"_ _226\"> </span><span class=\"ls7 ws7\">55<span class=\"_ _74\"> </span></span>1 65<span class=\"_ _8\"></span>4<span class=\"_ _8e\"> </span></span><span style=\"display:inherit;clear:left;\">128 57<span class=\"_ _1\"></span>4<span class=\"_ _91\"> </span><span class=\"ls12a ws1d4\">247<span class=\"_ _8d\"> </span><span class=\"ls0 ws0\">1 7<span class=\"_ _8\"></span>11</span></span></span><span style=\"display:inherit;clear:left;\">Opsjoner<span class=\"_ _1\"></span>/<span class=\"_ _1\"></span>Cap/Floor<span class=\"_ _2\"></span>/Collar<span class=\"_ _1\"></span>/Sw<span class=\"_ _1\"></span>aption <span class=\"_ _120\"> </span><span class=\"ls0 ws0\">0<span class=\"_ _13\"> </span>0<span class=\"_ _13\"> </span>0<span class=\"_ _43\"> </span>0<span class=\"_ _49\"> </span>1<span class=\"_ _10c\"> </span>0</span></span><span style=\"display:inherit;clear:left;\">Sum rent<span class=\"_ _1\"></span>einstrumenter<span class=\"_ _11e\"> </span><span class=\"ls0 ws0\">131 7<span class=\"_ _8\"></span>19<span class=\"_ _226\"> </span></span>55<span class=\"_ _74\"> </span></span><span style=\"display:inherit;clear:left;\">1 654<span class=\"_ _189\"> </span></span><span style=\"display:inherit;clear:left;\">128 57<span class=\"_ _1\"></span>4<span class=\"_ _21a\"> </span><span class=\"ls84 wsdf\">24<span class=\"_ _8\"></span>8<span class=\"_ _8d\"> </span><span class=\"ls0 ws0\">1 711</span></span></span><span style=\"display:inherit;clear:left;\">Rente<span class=\"_ _1\"></span>- og v<span class=\"_ _1\"></span>alutaderiv<span class=\"_ _1\"></span>at<span class=\"_ _1\"></span>er<span class=\"_ _16c\"> </span></span><span style=\"display:inherit;clear:left;\">110 812<span class=\"_ _86\"> </span></span><span style=\"display:inherit;clear:left;\">4<span class=\"_ _8\"></span> 424<span class=\"_ _94\"> </span><span class=\"ls0 ws0\">2 566<span class=\"_ _74\"> </span><span class=\"lsa wsa\">85 6<span class=\"_ _8\"></span>37<span class=\"_ _86\"> </span></span>4 54<span class=\"_ _8\"></span>5<span class=\"_ _75\"> </span><span class=\"ls11e wsb9\">622</span></span></span><span style=\"display:inherit;clear:left;\">T<span class=\"_ _2\"></span>erminer<span class=\"_ _18b\"> </span></span><span style=\"display:inherit;clear:left;\">24 2<span class=\"_ _8\"></span>3<span class=\"_ _8\"></span>9<span class=\"_ _10\"> </span></span><span style=\"display:inherit;clear:left;\">130<span class=\"_ _3e\"> </span></span><span style=\"display:inherit;clear:left;\">320<span class=\"_ _5d\"> </span></span><span style=\"display:inherit;clear:left;\">12 54<span class=\"_ _8\"></span>4<span class=\"_ _3d\"> </span><span class=\"ls123 ws1cd\">101<span class=\"_ _92\"> </span><span class=\"ls21 ws175\">175</span></span></span><span style=\"display:inherit;clear:left;\">Sum r<span class=\"_ _1\"></span>ente<span class=\"_ _1\"></span>- og v<span class=\"_ _1\"></span>alutarela<span class=\"_ _1\"></span>terte<span class=\"_ _1\"></span> kontr<span class=\"_ _1\"></span>akter<span class=\"_ _10\"> </span><span class=\"ls0 ws0\">135 051<span class=\"_ _86\"> </span>4 5<span class=\"_ _8\"></span>54<span class=\"_ _ba\"> </span>2 88<span class=\"_ _8\"></span>5<span class=\"_ _72\"> </span><span class=\"lsa wsa\">9<span class=\"_ _8\"></span>8 182<span class=\"_ _86\"> </span></span>4 64<span class=\"_ _8\"></span>6<span class=\"_ _e9\"> </span><span class=\"ls82 ws14b\">797</span></span></span><span style=\"display:inherit;clear:left;\">Sum OT<span class=\"_ _1\"></span>C-deriv<span class=\"_ _1\"></span>a<span class=\"_ _1\"></span>ter<span class=\"_ _199\"> </span></span><span style=\"display:inherit;clear:left;\">2<span class=\"_ _8\"></span>6<span class=\"_ _8\"></span>6 7<span class=\"_ _8\"></span>70<span class=\"_ _65\"> </span><span class=\"ls0 ws0\">4 6<span class=\"_ _8\"></span>08<span class=\"_ _8e\"> </span>4 540<span class=\"_ _87\"> </span><span class=\"ls83 wsdd\">22<span class=\"_ _8\"></span>6 75<span class=\"_ _8\"></span>6<span class=\"_ _189\"> </span></span>4 8<span class=\"_ _8\"></span>94<span class=\"_ _6e\"> </span><span class=\"ls82 ws14b\">2 507</span></span></span><span style=\"display:inherit;clear:left;\">Beskrivelse a<span class=\"_ _1\"></span>v bank<span class=\"_ _1\"></span>ens styring<span class=\"_ _1\"></span> a<span class=\"_ _1\"></span>v markeds<span class=\"_ _1\"></span>risiko<span class=\"_ _1\"></span>, se no<span class=\"_ _1\"></span>te 21.</span><span style=\"display:inherit;clear:left;\">For yt<span class=\"_ _8\"></span>terl<span class=\"_ _8\"></span>igere b<span class=\"_ _8\"></span>esk<span class=\"_ _8\"></span>rive<span class=\"_ _8\"></span>lse av ban<span class=\"_ _8\"></span>kens rente- o<span class=\"_ _8\"></span>g valut<span class=\"_ _8\"></span>ast<span class=\"_ _8\"></span>yr<span class=\"_ _8\"></span>ing<span class=\"_ _8\"></span>, se note 2<span class=\"_ _8\"></span>2 og 23.</span><span style=\"display:inherit;clear:left;\">Rente<span class=\"_ _1\"></span>- og v<span class=\"_ _1\"></span>alutaderiv<span class=\"_ _1\"></span>at<span class=\"_ _1\"></span>er \u00f8remerk<span class=\"_ _1\"></span>et<span class=\"_ _1\"></span> for s<span class=\"_ _1\"></span>ikringsbokf\u00f8ring vedr<span class=\"_ _1\"></span>\u00f8rer<span class=\"_ _1\"></span> utelukk<span class=\"_ _1\"></span>ende da<span class=\"_ _1\"></span>tterselskapet<span class=\"_ _1\"></span> <span class=\"ls0 ws0\"> </span></span><span style=\"display:inherit;clear:left;\">Sparebanken V<span class=\"_ _2\"></span>est Bo<span class=\"_ _8\"></span>ligkreditt AS.</span>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfDerivativeFinancialInstrumentsExplanatory",
    "language": "no",
    "entity": "scheme:213800M7T3CYVZ3ZRT12",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "s10_notes__6__70": {
   "value": "<span style=\"display:inherit;clear:left;\">Note 2<span class=\"_ _8\"></span>8 Net<span class=\"_ _8\"></span>to r<span class=\"_ _8\"></span>ente- o<span class=\"_ _8\"></span>g k<span class=\"_ _8\"></span>re<span class=\"_ _8\"></span>dit<span class=\"_ _8\"></span>tprov<span class=\"_ _8\"></span>isjonsi<span class=\"_ _8\"></span>n<span class=\"_ _8\"></span>ntek<span class=\"_ _8\"></span>ter</span><span style=\"display:inherit;clear:left;\">Innt<span class=\"_ _1\"></span>ektsf<span class=\"_ _1\"></span>\u00f8rt r<span class=\"_ _1\"></span>en<span class=\"_ _1\"></span>teinn<span class=\"_ _1\"></span>t<span class=\"_ _1\"></span>ekt beregnes v<span class=\"_ _1\"></span>ed \u00e5 ben<span class=\"_ _1\"></span>ytt<span class=\"_ _1\"></span>e e<span class=\"_ _1\"></span>ff<span class=\"_ _1\"></span>ektiv ren<span class=\"_ _1\"></span>t<span class=\"_ _1\"></span>emet<span class=\"_ _1\"></span>ode p\u00e5 brutt<span class=\"_ _1\"></span>o balanse<span class=\"_ _1\"></span>f\u00f8rt eiendel. Den e<span class=\"_ _1\"></span>ff<span class=\"_ _1\"></span>ektiv<span class=\"_ _1\"></span>e r<span class=\"_ _1\"></span>ent<span class=\"_ _1\"></span>e er den r<span class=\"_ _1\"></span>en-</span><span style=\"display:inherit;clear:left;\">ten som n\u00f8<span class=\"_ _1\"></span>y<span class=\"_ _1\"></span>aktig disk<span class=\"_ _1\"></span>on<span class=\"_ _1\"></span>ter<span class=\"_ _1\"></span>er den fr<span class=\"_ _1\"></span>em<span class=\"_ _1\"></span>tidige k<span class=\"_ _1\"></span>ontan<span class=\"_ _1\"></span>ts<span class=\"_ _1\"></span>tr<span class=\"_ _1\"></span>\u00f8m, gjennom f<span class=\"_ _1\"></span>orven<span class=\"_ _1\"></span>te<span class=\"_ _1\"></span>t le<span class=\"_ _1\"></span>ve<span class=\"_ _1\"></span>tid p\u00e5 de<span class=\"_ _1\"></span>t finansielle instrumen<span class=\"_ _1\"></span>t, til instrumen<span class=\"_ _1\"></span>t<span class=\"_ _1\"></span>ets </span><span style=\"display:inherit;clear:left;\">brutt<span class=\"_ _1\"></span>o bokf\u00f8rt<span class=\"_ _1\"></span>e v<span class=\"_ _1\"></span>erdi p\u00e5 innr<span class=\"_ _1\"></span>egnings<span class=\"_ _1\"></span>tidspunkte<span class=\"_ _1\"></span>t. Det<span class=\"_ _1\"></span>te inneb\u00e6r<span class=\"_ _1\"></span>er l\u00f8pende inn<span class=\"_ _1\"></span>t<span class=\"_ _1\"></span>ektsf<span class=\"_ _1\"></span>\u00f8ring a<span class=\"_ _1\"></span>v nominelle r<span class=\"_ _1\"></span>en<span class=\"_ _1\"></span>ter med tillegg a<span class=\"_ _2\"></span>v amor<span class=\"_ _8\"></span>tise-</span><span style=\"display:inherit;clear:left;\">ring a<span class=\"_ _1\"></span>v etableringsg<span class=\"_ _1\"></span>eb<span class=\"_ _1\"></span>yr<span class=\"_ _1\"></span>er fr<span class=\"_ _1\"></span>a<span class=\"_ _1\"></span>trukke<span class=\"_ _1\"></span>t dir<span class=\"_ _1\"></span>ekte e<span class=\"_ _1\"></span>tableringsk<span class=\"_ _1\"></span>ostnader o<span class=\"_ _1\"></span>g andre merbe<span class=\"_ _1\"></span>taling<span class=\"_ _1\"></span>er eller r<span class=\"_ _1\"></span>aba<span class=\"_ _1\"></span>tt<span class=\"_ _1\"></span>er<span class=\"_ _0\"></span>. </span><span style=\"display:inherit;clear:left;\">F<span class=\"_ _2\"></span>or gjeldsinstrument<span class=\"_ _1\"></span>er p\u00e5 eiendelssiden bokf<span class=\"_ _1\"></span>\u00f8rt til amortisert kost og som er nedskr<span class=\"_ _1\"></span>e<span class=\"_ _1\"></span>ve<span class=\"_ _1\"></span>t som f<span class=\"_ _1\"></span>\u00f8lg<span class=\"_ _1\"></span>e a<span class=\"_ _1\"></span>v objektive be<span class=\"_ _1\"></span>vis f<span class=\"_ _1\"></span>or tap (se no<span class=\"_ _1\"></span>te </span><span style=\"display:inherit;clear:left;\">11), innt<span class=\"_ _1\"></span>ektsf<span class=\"_ _1\"></span>\u00f8r<span class=\"_ _1\"></span>es r<span class=\"_ _1\"></span>en<span class=\"_ _1\"></span>ter basert p\u00e5 ne<span class=\"_ _1\"></span>tt<span class=\"_ _1\"></span>o balansef<span class=\"_ _1\"></span>\u00f8rt bel\u00f8p<span class=\"_ _1\"></span>.</span><span style=\"display:inherit;clear:left;\">Rent<span class=\"_ _1\"></span>ekos<span class=\"_ _1\"></span>tnaden f<span class=\"_ _1\"></span>or finansielle ins<span class=\"_ _1\"></span>trument<span class=\"_ _1\"></span>er vur<span class=\"_ _1\"></span>dert til amortisert kost f<span class=\"_ _1\"></span>\u00f8lg<span class=\"_ _1\"></span>er analogisk som beskre<span class=\"_ _1\"></span>ve<span class=\"_ _1\"></span>t om inn<span class=\"_ _1\"></span>tekts<span class=\"_ _1\"></span>f<span class=\"_ _1\"></span>\u00f8ring a<span class=\"_ _1\"></span>v r<span class=\"_ _1\"></span>en<span class=\"_ _1\"></span>ter </span><span style=\"display:inherit;clear:left;\">for eiendeler<span class=\"_ _0\"></span>. Kos<span class=\"_ _1\"></span>tnaden er den r<span class=\"_ _1\"></span>en<span class=\"_ _1\"></span>ten som n\u00f8<span class=\"_ _1\"></span>y<span class=\"_ _1\"></span>aktig disk<span class=\"_ _1\"></span>on<span class=\"_ _1\"></span>ter<span class=\"_ _1\"></span>er den fr<span class=\"_ _1\"></span>em<span class=\"_ _1\"></span>tidige k<span class=\"_ _1\"></span>ontan<span class=\"_ _1\"></span>ts<span class=\"_ _1\"></span>tr<span class=\"_ _1\"></span>\u00f8m p\u00e5 instrumen<span class=\"_ _1\"></span>t<span class=\"_ _1\"></span>et inklusiv<span class=\"_ _1\"></span>e ev<span class=\"_ _1\"></span>en<span class=\"_ _1\"></span>tuell </span><span style=\"display:inherit;clear:left;\">amortisering av k<span class=\"_ _1\"></span>os<span class=\"_ _1\"></span>tnader p\u00e5 e<span class=\"_ _1\"></span>tableringstidspunkt<span class=\"_ _1\"></span>et. F<span class=\"_ _2\"></span>or finansiell gjeld vurdert til virkelig v<span class=\"_ _1\"></span>er<span class=\"_ _1\"></span>di k<span class=\"_ _1\"></span>ostna<span class=\"_ _1\"></span>dsf<span class=\"_ _1\"></span>\u00f8r<span class=\"_ _1\"></span>es omkos<span class=\"_ _1\"></span>tninger p\u00e5 </span><span style=\"display:inherit;clear:left;\"><span><span style=\"display:inherit;clear:left;\">innregnings<span class=\"_ _1\"></span>tidspunkte<span class=\"_ _1\"></span>t og r<span class=\"_ _1\"></span>en<span class=\"_ _1\"></span>ten bes<span class=\"_ _1\"></span>t\u00e5r der<span class=\"_ _1\"></span>e<span class=\"_ _1\"></span>tt<span class=\"_ _1\"></span>er a<span class=\"_ _1\"></span>v periodiserte r<span class=\"_ _1\"></span>ent<span class=\"_ _1\"></span>eutbe<span class=\"_ _1\"></span>talinger f<span class=\"_ _1\"></span>or ins<span class=\"_ _1\"></span>trument<span class=\"_ _1\"></span>e<span class=\"_ _1\"></span>t.</span></span> </span><span style=\"display:inherit;clear:left;\">MORBANK<span class=\"_ _12c\"> </span><span class=\"lsc wsc\">KONSERN</span></span><span style=\"display:inherit;clear:left;\">2022<span class=\"_ _cc\"> </span>2023<span class=\"_ _16e\"> </span>2023<span class=\"_ _8a\"> </span>2022</span><span style=\"display:inherit;clear:left;\">460<span class=\"_ _c9\"> </span></span><span style=\"display:inherit;clear:left;\">1 049<span class=\"_ _b9\"> </span>Renter og<span class=\"_ _1\"></span> lignende inntekter<span class=\"_ _1\"></span> av<span class=\"_ _1\"></span> utl\u00e5n til<span class=\"_ _1\"></span> og f<span class=\"_ _1\"></span>ordringe<span class=\"_ _1\"></span>r p\u00e5 kr<span class=\"_ _1\"></span>edittinstitusjoner<span class=\"_ _69\"> </span><span class=\"ls0 ws0\">77<span class=\"_ _9a\"> </span>21</span></span><span style=\"display:inherit;clear:left;\">Renter<span class=\"_ _1\"></span> og lignende innt<span class=\"_ _1\"></span>ekter a<span class=\"_ _1\"></span>v utl\u00e5n<span class=\"_ _1\"></span> til og f<span class=\"_ _1\"></span>ordring<span class=\"_ _1\"></span>er p\u00e5 ku<span class=\"_ _1\"></span>nder</span><span style=\"display:inherit;clear:left;\">3<span class=\"_ _8\"></span> 41<span class=\"_ _8\"></span>9<span class=\"_ _131\"> </span></span><span style=\"display:inherit;clear:left;\">6 099<span class=\"_ _5a\"> </span></span><span style=\"display:inherit;clear:left;\">\u2013 vurder<span class=\"_ _8\"></span>t et<span class=\"_ _8\"></span>ter ef<span class=\"_ _8\"></span>fek<span class=\"_ _8\"></span>tiv rente<span class=\"_ _8\"></span>s meto<span class=\"_ _8\"></span>de <span class=\"_ _1\"></span> <span class=\"_ _1c8\"> </span><span class=\"ls8 ws8\">11<span class=\"_ _8\"></span> 76<span class=\"_ _8\"></span>0<span class=\"_ _87\"> </span><span class=\"lsa wsa\">6 3<span class=\"_ _8\"></span>14</span></span></span><span style=\"display:inherit;clear:left;\">152<span class=\"_ _65\"> </span></span><span style=\"display:inherit;clear:left;\">296<span class=\"_ _5a\"> </span></span><span style=\"display:inherit;clear:left;\">\u2013 vur<span class=\"_ _1\"></span>dert til virk<span class=\"_ _1\"></span>elig ver<span class=\"_ _1\"></span>di<span class=\"_ _1b8\"> </span><span class=\"ls0 ws0\">1 199<span class=\"_ _5d\"> </span><span class=\"ls21 ws175\">75<span class=\"_ _8\"></span>8</span></span></span><span style=\"display:inherit;clear:left;\">Renter<span class=\"_ _1\"></span> og lignende innt<span class=\"_ _1\"></span>ekter a<span class=\"_ _1\"></span>v sertifikater<span class=\"_ _0\"></span>, obligasjoner og andre<span class=\"_ _1\"></span> ren<span class=\"_ _1\"></span>teb\u00e6rende <span class=\"ls0 ws0\"> </span></span><span style=\"display:inherit;clear:left;\">ver<span class=\"_ _1\"></span>dipapirer</span><span style=\"display:inherit;clear:left;\">563<span class=\"_ _b7\"> </span></span><span style=\"display:inherit;clear:left;\">1 386<span class=\"_ _5a\"> </span></span><span style=\"display:inherit;clear:left;\">\u2013 vu<span class=\"_ _1\"></span>rdert til virk<span class=\"_ _1\"></span>elig v<span class=\"_ _1\"></span>erdi<span class=\"_ _29b\"> </span><span class=\"ls0 ws0\">1 45<span class=\"_ _8\"></span>5<span class=\"_ _5d\"> </span><span class=\"ls108 ws16a\">5<span class=\"_ _8\"></span>78</span></span></span><span style=\"display:inherit;clear:left;\">4 594<span class=\"_ _db\"> </span>8 830<span class=\"_ _11a\"> </span></span><span style=\"display:inherit;clear:left;\">Renteinntekter<span class=\"_ _1\"></span> og lignende innt<span class=\"_ _1\"></span>ekter<span class=\"_ _2a3\"> </span><span class=\"ls92 wsee\">14 49<span class=\"_ _8\"></span>0<span class=\"_ _87\"> </span><span class=\"ls0 ws0\">7 6<span class=\"_ _8\"></span>71</span></span></span><span style=\"display:inherit;clear:left;\">Renter<span class=\"_ _1\"></span> og lignende kos<span class=\"_ _1\"></span>tnader p\u00e5<span class=\"_ _1\"></span> g<span class=\"_ _8\"></span>jeld til kr<span class=\"_ _1\"></span>edittinstitusjoner</span><span style=\"display:inherit;clear:left;\">51<span class=\"_ _6f\"> </span></span><span style=\"display:inherit;clear:left;\">277<span class=\"_ _5a\"> </span></span><span style=\"display:inherit;clear:left;\">\u2013 vur<span class=\"_ _1\"></span>dert til amortisert kost<span class=\"_ _2a4\"> </span><span class=\"ls33 ws84\">199<span class=\"_ _21a\"> </span><span class=\"ls12 ws12\">23</span></span></span><span style=\"display:inherit;clear:left;\">Rent<span class=\"_ _8\"></span>er og li<span class=\"_ _8\"></span>gn<span class=\"_ _8\"></span>end<span class=\"_ _8\"></span>e kostn<span class=\"_ _8\"></span>ader p<span class=\"_ _8\"></span>\u00e5 inns<span class=\"_ _8\"></span>kud<span class=\"_ _8\"></span>d fra og g<span class=\"_ _a\"></span>jel<span class=\"_ _8\"></span>d til k<span class=\"_ _8\"></span>unde<span class=\"_ _8\"></span>r </span><span style=\"display:inherit;clear:left;\">1 073<span class=\"_ _dc\"> </span></span><span style=\"display:inherit;clear:left;\">3<span class=\"_ _8\"></span> 250<span class=\"_ _5a\"> </span></span><span style=\"display:inherit;clear:left;\">\u2013 vu<span class=\"_ _1\"></span>rdert til amortisert kost<span class=\"_ _15a\"> </span><span class=\"ls10 ws10\">3 171<span class=\"_ _87\"> </span><span class=\"ls0 ws0\">1 06<span class=\"_ _8\"></span>9</span></span></span><span style=\"display:inherit;clear:left;\">4<span class=\"_ _12\"> </span></span><span style=\"display:inherit;clear:left;\">56<span class=\"_ _5a\"> </span></span><span style=\"display:inherit;clear:left;\">\u2013 vu<span class=\"_ _1\"></span>rdert til virk<span class=\"_ _1\"></span>elig v<span class=\"_ _1\"></span>erdi<span class=\"_ _2a5\"> </span><span class=\"ls9a wsf7\">56<span class=\"_ _95\"> </span><span class=\"ls0 ws0\">4</span></span></span><span style=\"display:inherit;clear:left;\">Renter<span class=\"_ _1\"></span> og lignende kos<span class=\"_ _1\"></span>tnader p\u00e5<span class=\"_ _1\"></span> utstedte<span class=\"_ _1\"></span> ver<span class=\"_ _1\"></span>dipapirer<span class=\"_ _1\"></span> <span class=\"_ _c3\"> </span> </span><span style=\"display:inherit;clear:left;\">217<span class=\"_ _9b\"> </span></span><span style=\"display:inherit;clear:left;\">48<span class=\"_ _8\"></span>3<span class=\"_ _eb\"> </span></span><span style=\"display:inherit;clear:left;\">\u2013 vurdert til amortisert kost<span class=\"_ _2a6\"> </span><span class=\"ls108 ws16a\">2 7<span class=\"_ _8\"></span>78<span class=\"_ _83\"> </span><span class=\"ls125 ws1cf\">1 0<span class=\"_ _8\"></span>70</span></span></span><span style=\"display:inherit;clear:left;\">105<span class=\"_ _8e\"> </span></span><span style=\"display:inherit;clear:left;\">2<span class=\"_ _8\"></span>24<span class=\"_ _5a\"> </span></span><span style=\"display:inherit;clear:left;\">\u2013 vurdert til vi<span class=\"_ _1\"></span>rkelig v<span class=\"_ _1\"></span>erdi<span class=\"_ _1b8\"> </span><span class=\"ls0 ws0\">2 119<span class=\"_ _74\"> </span><span class=\"ls33 ws84\">935</span></span></span><span style=\"display:inherit;clear:left;\">\u2013 vurdert til<span class=\"_ _1\"></span> sikringsbokf\u00f8ring inkl.<span class=\"_ _1\"></span> ren<span class=\"_ _1\"></span>te p\u00e5<span class=\"_ _1\"></span> tilh\u00f8rende<span class=\"_ _1\"></span> deriva<span class=\"_ _1\"></span>ter <span class=\"_ _bf\"> </span> <span class=\"_ _119\"> </span><span class=\"ls7 ws7\">669<span class=\"_ _1a\"> </span><span class=\"ls59 wsac\">41<span class=\"_ _8\"></span>8</span></span></span><span style=\"display:inherit;clear:left;\">Renter<span class=\"_ _1\"></span> og lignende kos<span class=\"_ _1\"></span>tnader p\u00e5<span class=\"_ _1\"></span> ansvarl<span class=\"_ _1\"></span>ig l\u00e5nekapital</span><span style=\"display:inherit;clear:left;\">56<span class=\"_ _93\"> </span></span><span style=\"display:inherit;clear:left;\">113<span class=\"_ _5a\"> </span></span><span style=\"display:inherit;clear:left;\">\u2013 vur<span class=\"_ _1\"></span>dert til amortisert kost<span class=\"_ _2a7\"> </span><span class=\"ls14 ws14\">113<span class=\"_ _8d\"> </span><span class=\"ls9a wsf7\">56</span></span></span><span style=\"display:inherit;clear:left;\">0<span class=\"_ _8b\"> </span>0<span class=\"_ _5a\"> </span></span><span style=\"display:inherit;clear:left;\">\u2013 vur<span class=\"_ _1\"></span>dert til virkel<span class=\"_ _1\"></span>ig ver<span class=\"_ _1\"></span>di<span class=\"_ _1ba\"> </span><span class=\"ls0 ws0\">0<span class=\"_ _4a\"> </span>0</span></span><span style=\"display:inherit;clear:left;\">1)</span><span style=\"display:inherit;clear:left;\">16<span class=\"_ _78\"> </span><span class=\"ls10 ws10\">17<span class=\"_ _11a\"> </span><span class=\"ls5 ws5\">Andre ren<span class=\"_ _1\"></span>tek<span class=\"_ _1\"></span>ostnader og<span class=\"_ _1\"></span> lignende kostna<span class=\"_ _1\"></span>der </span></span></span><span style=\"display:inherit;clear:left;\">24<span class=\"_ _9a\"> </span><span class=\"ls9a wsf7\">18</span></span><span style=\"display:inherit;clear:left;\">71<span class=\"_ _12\"> </span></span><span style=\"display:inherit;clear:left;\">88<span class=\"_ _b9\"> </span></span><span style=\"display:inherit;clear:left;\">Avgift Bankenes sikringsfond<span class=\"_ _29b\"> </span><span class=\"ls14 ws14\">118<span class=\"_ _8d\"> </span><span class=\"ls2 ws2\">85</span></span></span><span style=\"display:inherit;clear:left;\">1 591<span class=\"_ _c7\"> </span></span><span style=\"display:inherit;clear:left;\">4<span class=\"_ _8\"></span> 507<span class=\"_ _11a\"> </span></span><span style=\"display:inherit;clear:left;\">Renteko<span class=\"_ _1\"></span>stnader og<span class=\"_ _1\"></span> lignende kost<span class=\"_ _1\"></span>nader<span class=\"_ _20f\"> </span><span class=\"ls0 ws0\">9 249<span class=\"_ _dd\"> </span>3 67<span class=\"_ _8\"></span>7</span></span><span style=\"display:inherit;clear:left;\">3 003<span class=\"_ _db\"> </span></span><span style=\"display:inherit;clear:left;\">4 322<span class=\"_ _11a\"> </span></span><span style=\"display:inherit;clear:left;\">Netto ren<span class=\"_ _1\"></span>te<span class=\"_ _1\"></span>\u2013 og kr<span class=\"_ _1\"></span>edittpr<span class=\"_ _1\"></span>ovisjonsinn<span class=\"_ _1\"></span>tekter<span class=\"_ _ab\"> </span><span class=\"lsa wsa\">5 2<span class=\"_ _8\"></span>42<span class=\"_ _cb\"> </span><span class=\"ls0 ws0\">3 994</span></span></span><span style=\"display:inherit;clear:left;\">1)</span><span style=\"display:inherit;clear:left;\">  <span class=\"_ _4\"></span>R<span class=\"_ _8\"></span>enter fra d<span class=\"_ _8\"></span>eri<span class=\"_ _8\"></span>vater som e<span class=\"_ _8\"></span>r inng<span class=\"_ _8\"></span>\u00e5tt for \u00e5 st<span class=\"_ _8\"></span>yre rent<span class=\"_ _8\"></span>eris<span class=\"_ _8\"></span>iko i ban<span class=\"_ _8\"></span>kens ord<span class=\"_ _8\"></span>in\u00e6re p<span class=\"_ _8\"></span>or<span class=\"_ _8\"></span>tef\u00f8lj<span class=\"_ _8\"></span>er er k<span class=\"_ _8\"></span>las<span class=\"_ _8\"></span>sif<span class=\"_ _8\"></span>ise<span class=\"_ _8\"></span>rt s<span class=\"_ _8\"></span>om rente o<span class=\"_ _8\"></span>g f\u00f8r<span class=\"_ _8\"></span>t som e<span class=\"_ _8\"></span>n </span><span style=\"display:inherit;clear:left;\">justering<span class=\"_ _1\"></span> til bank<span class=\"_ _1\"></span>ens \u00f8<span class=\"_ _1\"></span>vrige r<span class=\"_ _1\"></span>enteinn<span class=\"_ _1\"></span>tekter<span class=\"_ _1\"></span>/<span class=\"_ _2\"></span>-kostna<span class=\"_ _1\"></span>der<span class=\"_ _2\"></span>. T<span class=\"_ _2\"></span>otalt er r<span class=\"_ _1\"></span>ent<span class=\"_ _1\"></span>enettoen tilf<span class=\"_ _1\"></span>\u00f8rt 180 mil<span class=\"_ _1\"></span>lioner kroner<span class=\"_ _1\"></span> for<span class=\"_ _1\"></span> morbanken<span class=\"_ _1\"></span> og </span><span style=\"display:inherit;clear:left;\">belastet 1<span class=\"_ _1\"></span> 37<span class=\"_ _1\"></span>5 mi<span class=\"_ _1\"></span>llioner kr<span class=\"_ _1\"></span>oner for<span class=\"_ _1\"></span> konserne<span class=\"_ _1\"></span>t kn<span class=\"_ _1\"></span>yttet til r<span class=\"_ _1\"></span>enter<span class=\"_ _1\"></span> fra<span class=\"_ _1\"></span> finansielle deriv<span class=\"_ _1\"></span>a<span class=\"_ _1\"></span>ter<span class=\"_ _2\"></span>.</span>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfInterestIncomeExplanatory",
    "language": "no",
    "entity": "scheme:213800M7T3CYVZ3ZRT12",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "s10_notes__6__69": {
   "value": "<span style=\"display:inherit;clear:left;\">Note 2<span class=\"_ _8\"></span>8 Net<span class=\"_ _8\"></span>to r<span class=\"_ _8\"></span>ente- o<span class=\"_ _8\"></span>g k<span class=\"_ _8\"></span>re<span class=\"_ _8\"></span>dit<span class=\"_ _8\"></span>tprov<span class=\"_ _8\"></span>isjonsi<span class=\"_ _8\"></span>n<span class=\"_ _8\"></span>ntek<span class=\"_ _8\"></span>ter</span><span style=\"display:inherit;clear:left;\">Innt<span class=\"_ _1\"></span>ektsf<span class=\"_ _1\"></span>\u00f8rt r<span class=\"_ _1\"></span>en<span class=\"_ _1\"></span>teinn<span class=\"_ _1\"></span>t<span class=\"_ _1\"></span>ekt beregnes v<span class=\"_ _1\"></span>ed \u00e5 ben<span class=\"_ _1\"></span>ytt<span class=\"_ _1\"></span>e e<span class=\"_ _1\"></span>ff<span class=\"_ _1\"></span>ektiv ren<span class=\"_ _1\"></span>t<span class=\"_ _1\"></span>emet<span class=\"_ _1\"></span>ode p\u00e5 brutt<span class=\"_ _1\"></span>o balanse<span class=\"_ _1\"></span>f\u00f8rt eiendel. Den e<span class=\"_ _1\"></span>ff<span class=\"_ _1\"></span>ektiv<span class=\"_ _1\"></span>e r<span class=\"_ _1\"></span>ent<span class=\"_ _1\"></span>e er den r<span class=\"_ _1\"></span>en-</span><span style=\"display:inherit;clear:left;\">ten som n\u00f8<span class=\"_ _1\"></span>y<span class=\"_ _1\"></span>aktig disk<span class=\"_ _1\"></span>on<span class=\"_ _1\"></span>ter<span class=\"_ _1\"></span>er den fr<span class=\"_ _1\"></span>em<span class=\"_ _1\"></span>tidige k<span class=\"_ _1\"></span>ontan<span class=\"_ _1\"></span>ts<span class=\"_ _1\"></span>tr<span class=\"_ _1\"></span>\u00f8m, gjennom f<span class=\"_ _1\"></span>orven<span class=\"_ _1\"></span>te<span class=\"_ _1\"></span>t le<span class=\"_ _1\"></span>ve<span class=\"_ _1\"></span>tid p\u00e5 de<span class=\"_ _1\"></span>t finansielle instrumen<span class=\"_ _1\"></span>t, til instrumen<span class=\"_ _1\"></span>t<span class=\"_ _1\"></span>ets </span><span style=\"display:inherit;clear:left;\">brutt<span class=\"_ _1\"></span>o bokf\u00f8rt<span class=\"_ _1\"></span>e v<span class=\"_ _1\"></span>erdi p\u00e5 innr<span class=\"_ _1\"></span>egnings<span class=\"_ _1\"></span>tidspunkte<span class=\"_ _1\"></span>t. Det<span class=\"_ _1\"></span>te inneb\u00e6r<span class=\"_ _1\"></span>er l\u00f8pende inn<span class=\"_ _1\"></span>t<span class=\"_ _1\"></span>ektsf<span class=\"_ _1\"></span>\u00f8ring a<span class=\"_ _1\"></span>v nominelle r<span class=\"_ _1\"></span>en<span class=\"_ _1\"></span>ter med tillegg a<span class=\"_ _2\"></span>v amor<span class=\"_ _8\"></span>tise-</span><span style=\"display:inherit;clear:left;\">ring a<span class=\"_ _1\"></span>v etableringsg<span class=\"_ _1\"></span>eb<span class=\"_ _1\"></span>yr<span class=\"_ _1\"></span>er fr<span class=\"_ _1\"></span>a<span class=\"_ _1\"></span>trukke<span class=\"_ _1\"></span>t dir<span class=\"_ _1\"></span>ekte e<span class=\"_ _1\"></span>tableringsk<span class=\"_ _1\"></span>ostnader o<span class=\"_ _1\"></span>g andre merbe<span class=\"_ _1\"></span>taling<span class=\"_ _1\"></span>er eller r<span class=\"_ _1\"></span>aba<span class=\"_ _1\"></span>tt<span class=\"_ _1\"></span>er<span class=\"_ _0\"></span>. </span><span style=\"display:inherit;clear:left;\">F<span class=\"_ _2\"></span>or gjeldsinstrument<span class=\"_ _1\"></span>er p\u00e5 eiendelssiden bokf<span class=\"_ _1\"></span>\u00f8rt til amortisert kost og som er nedskr<span class=\"_ _1\"></span>e<span class=\"_ _1\"></span>ve<span class=\"_ _1\"></span>t som f<span class=\"_ _1\"></span>\u00f8lg<span class=\"_ _1\"></span>e a<span class=\"_ _1\"></span>v objektive be<span class=\"_ _1\"></span>vis f<span class=\"_ _1\"></span>or tap (se no<span class=\"_ _1\"></span>te </span><span style=\"display:inherit;clear:left;\">11), innt<span class=\"_ _1\"></span>ektsf<span class=\"_ _1\"></span>\u00f8r<span class=\"_ _1\"></span>es r<span class=\"_ _1\"></span>en<span class=\"_ _1\"></span>ter basert p\u00e5 ne<span class=\"_ _1\"></span>tt<span class=\"_ _1\"></span>o balansef<span class=\"_ _1\"></span>\u00f8rt bel\u00f8p<span class=\"_ _1\"></span>.</span><span style=\"display:inherit;clear:left;\">Rent<span class=\"_ _1\"></span>ekos<span class=\"_ _1\"></span>tnaden f<span class=\"_ _1\"></span>or finansielle ins<span class=\"_ _1\"></span>trument<span class=\"_ _1\"></span>er vur<span class=\"_ _1\"></span>dert til amortisert kost f<span class=\"_ _1\"></span>\u00f8lg<span class=\"_ _1\"></span>er analogisk som beskre<span class=\"_ _1\"></span>ve<span class=\"_ _1\"></span>t om inn<span class=\"_ _1\"></span>tekts<span class=\"_ _1\"></span>f<span class=\"_ _1\"></span>\u00f8ring a<span class=\"_ _1\"></span>v r<span class=\"_ _1\"></span>en<span class=\"_ _1\"></span>ter </span><span style=\"display:inherit;clear:left;\">for eiendeler<span class=\"_ _0\"></span>. Kos<span class=\"_ _1\"></span>tnaden er den r<span class=\"_ _1\"></span>en<span class=\"_ _1\"></span>ten som n\u00f8<span class=\"_ _1\"></span>y<span class=\"_ _1\"></span>aktig disk<span class=\"_ _1\"></span>on<span class=\"_ _1\"></span>ter<span class=\"_ _1\"></span>er den fr<span class=\"_ _1\"></span>em<span class=\"_ _1\"></span>tidige k<span class=\"_ _1\"></span>ontan<span class=\"_ _1\"></span>ts<span class=\"_ _1\"></span>tr<span class=\"_ _1\"></span>\u00f8m p\u00e5 instrumen<span class=\"_ _1\"></span>t<span class=\"_ _1\"></span>et inklusiv<span class=\"_ _1\"></span>e ev<span class=\"_ _1\"></span>en<span class=\"_ _1\"></span>tuell </span><span style=\"display:inherit;clear:left;\">amortisering av k<span class=\"_ _1\"></span>os<span class=\"_ _1\"></span>tnader p\u00e5 e<span class=\"_ _1\"></span>tableringstidspunkt<span class=\"_ _1\"></span>et. F<span class=\"_ _2\"></span>or finansiell gjeld vurdert til virkelig v<span class=\"_ _1\"></span>er<span class=\"_ _1\"></span>di k<span class=\"_ _1\"></span>ostna<span class=\"_ _1\"></span>dsf<span class=\"_ _1\"></span>\u00f8r<span class=\"_ _1\"></span>es omkos<span class=\"_ _1\"></span>tninger p\u00e5 </span><span style=\"display:inherit;clear:left;\"><span><span style=\"display:inherit;clear:left;\">innregnings<span class=\"_ _1\"></span>tidspunkte<span class=\"_ _1\"></span>t og r<span class=\"_ _1\"></span>en<span class=\"_ _1\"></span>ten bes<span class=\"_ _1\"></span>t\u00e5r der<span class=\"_ _1\"></span>e<span class=\"_ _1\"></span>tt<span class=\"_ _1\"></span>er a<span class=\"_ _1\"></span>v periodiserte r<span class=\"_ _1\"></span>ent<span class=\"_ _1\"></span>eutbe<span class=\"_ _1\"></span>talinger f<span class=\"_ _1\"></span>or ins<span class=\"_ _1\"></span>trument<span class=\"_ _1\"></span>e<span class=\"_ _1\"></span>t.</span></span> </span><span style=\"display:inherit;clear:left;\">MORBANK<span class=\"_ _12c\"> </span><span class=\"lsc wsc\">KONSERN</span></span><span style=\"display:inherit;clear:left;\">2022<span class=\"_ _cc\"> </span>2023<span class=\"_ _16e\"> </span>2023<span class=\"_ _8a\"> </span>2022</span><span style=\"display:inherit;clear:left;\">460<span class=\"_ _c9\"> </span></span><span style=\"display:inherit;clear:left;\">1 049<span class=\"_ _b9\"> </span>Renter og<span class=\"_ _1\"></span> lignende inntekter<span class=\"_ _1\"></span> av<span class=\"_ _1\"></span> utl\u00e5n til<span class=\"_ _1\"></span> og f<span class=\"_ _1\"></span>ordringe<span class=\"_ _1\"></span>r p\u00e5 kr<span class=\"_ _1\"></span>edittinstitusjoner<span class=\"_ _69\"> </span><span class=\"ls0 ws0\">77<span class=\"_ _9a\"> </span>21</span></span><span style=\"display:inherit;clear:left;\">Renter<span class=\"_ _1\"></span> og lignende innt<span class=\"_ _1\"></span>ekter a<span class=\"_ _1\"></span>v utl\u00e5n<span class=\"_ _1\"></span> til og f<span class=\"_ _1\"></span>ordring<span class=\"_ _1\"></span>er p\u00e5 ku<span class=\"_ _1\"></span>nder</span><span style=\"display:inherit;clear:left;\">3<span class=\"_ _8\"></span> 41<span class=\"_ _8\"></span>9<span class=\"_ _131\"> </span></span><span style=\"display:inherit;clear:left;\">6 099<span class=\"_ _5a\"> </span></span><span style=\"display:inherit;clear:left;\">\u2013 vurder<span class=\"_ _8\"></span>t et<span class=\"_ _8\"></span>ter ef<span class=\"_ _8\"></span>fek<span class=\"_ _8\"></span>tiv rente<span class=\"_ _8\"></span>s meto<span class=\"_ _8\"></span>de <span class=\"_ _1\"></span> <span class=\"_ _1c8\"> </span><span class=\"ls8 ws8\">11<span class=\"_ _8\"></span> 76<span class=\"_ _8\"></span>0<span class=\"_ _87\"> </span><span class=\"lsa wsa\">6 3<span class=\"_ _8\"></span>14</span></span></span><span style=\"display:inherit;clear:left;\">152<span class=\"_ _65\"> </span></span><span style=\"display:inherit;clear:left;\">296<span class=\"_ _5a\"> </span></span><span style=\"display:inherit;clear:left;\">\u2013 vur<span class=\"_ _1\"></span>dert til virk<span class=\"_ _1\"></span>elig ver<span class=\"_ _1\"></span>di<span class=\"_ _1b8\"> </span><span class=\"ls0 ws0\">1 199<span class=\"_ _5d\"> </span><span class=\"ls21 ws175\">75<span class=\"_ _8\"></span>8</span></span></span><span style=\"display:inherit;clear:left;\">Renter<span class=\"_ _1\"></span> og lignende innt<span class=\"_ _1\"></span>ekter a<span class=\"_ _1\"></span>v sertifikater<span class=\"_ _0\"></span>, obligasjoner og andre<span class=\"_ _1\"></span> ren<span class=\"_ _1\"></span>teb\u00e6rende <span class=\"ls0 ws0\"> </span></span><span style=\"display:inherit;clear:left;\">ver<span class=\"_ _1\"></span>dipapirer</span><span style=\"display:inherit;clear:left;\">563<span class=\"_ _b7\"> </span></span><span style=\"display:inherit;clear:left;\">1 386<span class=\"_ _5a\"> </span></span><span style=\"display:inherit;clear:left;\">\u2013 vu<span class=\"_ _1\"></span>rdert til virk<span class=\"_ _1\"></span>elig v<span class=\"_ _1\"></span>erdi<span class=\"_ _29b\"> </span><span class=\"ls0 ws0\">1 45<span class=\"_ _8\"></span>5<span class=\"_ _5d\"> </span><span class=\"ls108 ws16a\">5<span class=\"_ _8\"></span>78</span></span></span><span style=\"display:inherit;clear:left;\">4 594<span class=\"_ _db\"> </span>8 830<span class=\"_ _11a\"> </span></span><span style=\"display:inherit;clear:left;\">Renteinntekter<span class=\"_ _1\"></span> og lignende innt<span class=\"_ _1\"></span>ekter<span class=\"_ _2a3\"> </span><span class=\"ls92 wsee\">14 49<span class=\"_ _8\"></span>0<span class=\"_ _87\"> </span><span class=\"ls0 ws0\">7 6<span class=\"_ _8\"></span>71</span></span></span><span style=\"display:inherit;clear:left;\">Renter<span class=\"_ _1\"></span> og lignende kos<span class=\"_ _1\"></span>tnader p\u00e5<span class=\"_ _1\"></span> g<span class=\"_ _8\"></span>jeld til kr<span class=\"_ _1\"></span>edittinstitusjoner</span><span style=\"display:inherit;clear:left;\">51<span class=\"_ _6f\"> </span></span><span style=\"display:inherit;clear:left;\">277<span class=\"_ _5a\"> </span></span><span style=\"display:inherit;clear:left;\">\u2013 vur<span class=\"_ _1\"></span>dert til amortisert kost<span class=\"_ _2a4\"> </span><span class=\"ls33 ws84\">199<span class=\"_ _21a\"> </span><span class=\"ls12 ws12\">23</span></span></span><span style=\"display:inherit;clear:left;\">Rent<span class=\"_ _8\"></span>er og li<span class=\"_ _8\"></span>gn<span class=\"_ _8\"></span>end<span class=\"_ _8\"></span>e kostn<span class=\"_ _8\"></span>ader p<span class=\"_ _8\"></span>\u00e5 inns<span class=\"_ _8\"></span>kud<span class=\"_ _8\"></span>d fra og g<span class=\"_ _a\"></span>jel<span class=\"_ _8\"></span>d til k<span class=\"_ _8\"></span>unde<span class=\"_ _8\"></span>r </span><span style=\"display:inherit;clear:left;\">1 073<span class=\"_ _dc\"> </span></span><span style=\"display:inherit;clear:left;\">3<span class=\"_ _8\"></span> 250<span class=\"_ _5a\"> </span></span><span style=\"display:inherit;clear:left;\">\u2013 vu<span class=\"_ _1\"></span>rdert til amortisert kost<span class=\"_ _15a\"> </span><span class=\"ls10 ws10\">3 171<span class=\"_ _87\"> </span><span class=\"ls0 ws0\">1 06<span class=\"_ _8\"></span>9</span></span></span><span style=\"display:inherit;clear:left;\">4<span class=\"_ _12\"> </span></span><span style=\"display:inherit;clear:left;\">56<span class=\"_ _5a\"> </span></span><span style=\"display:inherit;clear:left;\">\u2013 vu<span class=\"_ _1\"></span>rdert til virk<span class=\"_ _1\"></span>elig v<span class=\"_ _1\"></span>erdi<span class=\"_ _2a5\"> </span><span class=\"ls9a wsf7\">56<span class=\"_ _95\"> </span><span class=\"ls0 ws0\">4</span></span></span><span style=\"display:inherit;clear:left;\">Renter<span class=\"_ _1\"></span> og lignende kos<span class=\"_ _1\"></span>tnader p\u00e5<span class=\"_ _1\"></span> utstedte<span class=\"_ _1\"></span> ver<span class=\"_ _1\"></span>dipapirer<span class=\"_ _1\"></span> <span class=\"_ _c3\"> </span> </span><span style=\"display:inherit;clear:left;\">217<span class=\"_ _9b\"> </span></span><span style=\"display:inherit;clear:left;\">48<span class=\"_ _8\"></span>3<span class=\"_ _eb\"> </span></span><span style=\"display:inherit;clear:left;\">\u2013 vurdert til amortisert kost<span class=\"_ _2a6\"> </span><span class=\"ls108 ws16a\">2 7<span class=\"_ _8\"></span>78<span class=\"_ _83\"> </span><span class=\"ls125 ws1cf\">1 0<span class=\"_ _8\"></span>70</span></span></span><span style=\"display:inherit;clear:left;\">105<span class=\"_ _8e\"> </span></span><span style=\"display:inherit;clear:left;\">2<span class=\"_ _8\"></span>24<span class=\"_ _5a\"> </span></span><span style=\"display:inherit;clear:left;\">\u2013 vurdert til vi<span class=\"_ _1\"></span>rkelig v<span class=\"_ _1\"></span>erdi<span class=\"_ _1b8\"> </span><span class=\"ls0 ws0\">2 119<span class=\"_ _74\"> </span><span class=\"ls33 ws84\">935</span></span></span><span style=\"display:inherit;clear:left;\">\u2013 vurdert til<span class=\"_ _1\"></span> sikringsbokf\u00f8ring inkl.<span class=\"_ _1\"></span> ren<span class=\"_ _1\"></span>te p\u00e5<span class=\"_ _1\"></span> tilh\u00f8rende<span class=\"_ _1\"></span> deriva<span class=\"_ _1\"></span>ter <span class=\"_ _bf\"> </span> <span class=\"_ _119\"> </span><span class=\"ls7 ws7\">669<span class=\"_ _1a\"> </span><span class=\"ls59 wsac\">41<span class=\"_ _8\"></span>8</span></span></span><span style=\"display:inherit;clear:left;\">Renter<span class=\"_ _1\"></span> og lignende kos<span class=\"_ _1\"></span>tnader p\u00e5<span class=\"_ _1\"></span> ansvarl<span class=\"_ _1\"></span>ig l\u00e5nekapital</span><span style=\"display:inherit;clear:left;\">56<span class=\"_ _93\"> </span></span><span style=\"display:inherit;clear:left;\">113<span class=\"_ _5a\"> </span></span><span style=\"display:inherit;clear:left;\">\u2013 vur<span class=\"_ _1\"></span>dert til amortisert kost<span class=\"_ _2a7\"> </span><span class=\"ls14 ws14\">113<span class=\"_ _8d\"> </span><span class=\"ls9a wsf7\">56</span></span></span><span style=\"display:inherit;clear:left;\">0<span class=\"_ _8b\"> </span>0<span class=\"_ _5a\"> </span></span><span style=\"display:inherit;clear:left;\">\u2013 vur<span class=\"_ _1\"></span>dert til virkel<span class=\"_ _1\"></span>ig ver<span class=\"_ _1\"></span>di<span class=\"_ _1ba\"> </span><span class=\"ls0 ws0\">0<span class=\"_ _4a\"> </span>0</span></span><span style=\"display:inherit;clear:left;\">1)</span><span style=\"display:inherit;clear:left;\">16<span class=\"_ _78\"> </span><span class=\"ls10 ws10\">17<span class=\"_ _11a\"> </span><span class=\"ls5 ws5\">Andre ren<span class=\"_ _1\"></span>tek<span class=\"_ _1\"></span>ostnader og<span class=\"_ _1\"></span> lignende kostna<span class=\"_ _1\"></span>der </span></span></span><span style=\"display:inherit;clear:left;\">24<span class=\"_ _9a\"> </span><span class=\"ls9a wsf7\">18</span></span><span style=\"display:inherit;clear:left;\">71<span class=\"_ _12\"> </span></span><span style=\"display:inherit;clear:left;\">88<span class=\"_ _b9\"> </span></span><span style=\"display:inherit;clear:left;\">Avgift Bankenes sikringsfond<span class=\"_ _29b\"> </span><span class=\"ls14 ws14\">118<span class=\"_ _8d\"> </span><span class=\"ls2 ws2\">85</span></span></span><span style=\"display:inherit;clear:left;\">1 591<span class=\"_ _c7\"> </span></span><span style=\"display:inherit;clear:left;\">4<span class=\"_ _8\"></span> 507<span class=\"_ _11a\"> </span></span><span style=\"display:inherit;clear:left;\">Renteko<span class=\"_ _1\"></span>stnader og<span class=\"_ _1\"></span> lignende kost<span class=\"_ _1\"></span>nader<span class=\"_ _20f\"> </span><span class=\"ls0 ws0\">9 249<span class=\"_ _dd\"> </span>3 67<span class=\"_ _8\"></span>7</span></span><span style=\"display:inherit;clear:left;\">3 003<span class=\"_ _db\"> </span></span><span style=\"display:inherit;clear:left;\">4 322<span class=\"_ _11a\"> </span></span><span style=\"display:inherit;clear:left;\">Netto ren<span class=\"_ _1\"></span>te<span class=\"_ _1\"></span>\u2013 og kr<span class=\"_ _1\"></span>edittpr<span class=\"_ _1\"></span>ovisjonsinn<span class=\"_ _1\"></span>tekter<span class=\"_ _ab\"> </span><span class=\"lsa wsa\">5 2<span class=\"_ _8\"></span>42<span class=\"_ _cb\"> </span><span class=\"ls0 ws0\">3 994</span></span></span><span style=\"display:inherit;clear:left;\">1)</span><span style=\"display:inherit;clear:left;\">  <span class=\"_ _4\"></span>R<span class=\"_ _8\"></span>enter fra d<span class=\"_ _8\"></span>eri<span class=\"_ _8\"></span>vater som e<span class=\"_ _8\"></span>r inng<span class=\"_ _8\"></span>\u00e5tt for \u00e5 st<span class=\"_ _8\"></span>yre rent<span class=\"_ _8\"></span>eris<span class=\"_ _8\"></span>iko i ban<span class=\"_ _8\"></span>kens ord<span class=\"_ _8\"></span>in\u00e6re p<span class=\"_ _8\"></span>or<span class=\"_ _8\"></span>tef\u00f8lj<span class=\"_ _8\"></span>er er k<span class=\"_ _8\"></span>las<span class=\"_ _8\"></span>sif<span class=\"_ _8\"></span>ise<span class=\"_ _8\"></span>rt s<span class=\"_ _8\"></span>om rente o<span class=\"_ _8\"></span>g f\u00f8r<span class=\"_ _8\"></span>t som e<span class=\"_ _8\"></span>n </span><span style=\"display:inherit;clear:left;\">justering<span class=\"_ _1\"></span> til bank<span class=\"_ _1\"></span>ens \u00f8<span class=\"_ _1\"></span>vrige r<span class=\"_ _1\"></span>enteinn<span class=\"_ _1\"></span>tekter<span class=\"_ _1\"></span>/<span class=\"_ _2\"></span>-kostna<span class=\"_ _1\"></span>der<span class=\"_ _2\"></span>. T<span class=\"_ _2\"></span>otalt er r<span class=\"_ _1\"></span>ent<span class=\"_ _1\"></span>enettoen tilf<span class=\"_ _1\"></span>\u00f8rt 180 mil<span class=\"_ _1\"></span>lioner kroner<span class=\"_ _1\"></span> for<span class=\"_ _1\"></span> morbanken<span class=\"_ _1\"></span> og </span><span style=\"display:inherit;clear:left;\">belastet 1<span class=\"_ _1\"></span> 37<span class=\"_ _1\"></span>5 mi<span class=\"_ _1\"></span>llioner kr<span class=\"_ _1\"></span>oner for<span class=\"_ _1\"></span> konserne<span class=\"_ _1\"></span>t kn<span class=\"_ _1\"></span>yttet til r<span class=\"_ _1\"></span>enter<span class=\"_ _1\"></span> fra<span class=\"_ _1\"></span> finansielle deriv<span class=\"_ _1\"></span>a<span class=\"_ _1\"></span>ter<span class=\"_ _2\"></span>.</span>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfInterestIncomeExpenseExplanatory",
    "language": "no",
    "entity": "scheme:213800M7T3CYVZ3ZRT12",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "s10_notes__6__68": {
   "value": "<span style=\"display:inherit;clear:left;\">Note 2<span class=\"_ _8\"></span>8 Net<span class=\"_ _8\"></span>to r<span class=\"_ _8\"></span>ente- o<span class=\"_ _8\"></span>g k<span class=\"_ _8\"></span>re<span class=\"_ _8\"></span>dit<span class=\"_ _8\"></span>tprov<span class=\"_ _8\"></span>isjonsi<span class=\"_ _8\"></span>n<span class=\"_ _8\"></span>ntek<span class=\"_ _8\"></span>ter</span><span style=\"display:inherit;clear:left;\">Innt<span class=\"_ _1\"></span>ektsf<span class=\"_ _1\"></span>\u00f8rt r<span class=\"_ _1\"></span>en<span class=\"_ _1\"></span>teinn<span class=\"_ _1\"></span>t<span class=\"_ _1\"></span>ekt beregnes v<span class=\"_ _1\"></span>ed \u00e5 ben<span class=\"_ _1\"></span>ytt<span class=\"_ _1\"></span>e e<span class=\"_ _1\"></span>ff<span class=\"_ _1\"></span>ektiv ren<span class=\"_ _1\"></span>t<span class=\"_ _1\"></span>emet<span class=\"_ _1\"></span>ode p\u00e5 brutt<span class=\"_ _1\"></span>o balanse<span class=\"_ _1\"></span>f\u00f8rt eiendel. Den e<span class=\"_ _1\"></span>ff<span class=\"_ _1\"></span>ektiv<span class=\"_ _1\"></span>e r<span class=\"_ _1\"></span>ent<span class=\"_ _1\"></span>e er den r<span class=\"_ _1\"></span>en-</span><span style=\"display:inherit;clear:left;\">ten som n\u00f8<span class=\"_ _1\"></span>y<span class=\"_ _1\"></span>aktig disk<span class=\"_ _1\"></span>on<span class=\"_ _1\"></span>ter<span class=\"_ _1\"></span>er den fr<span class=\"_ _1\"></span>em<span class=\"_ _1\"></span>tidige k<span class=\"_ _1\"></span>ontan<span class=\"_ _1\"></span>ts<span class=\"_ _1\"></span>tr<span class=\"_ _1\"></span>\u00f8m, gjennom f<span class=\"_ _1\"></span>orven<span class=\"_ _1\"></span>te<span class=\"_ _1\"></span>t le<span class=\"_ _1\"></span>ve<span class=\"_ _1\"></span>tid p\u00e5 de<span class=\"_ _1\"></span>t finansielle instrumen<span class=\"_ _1\"></span>t, til instrumen<span class=\"_ _1\"></span>t<span class=\"_ _1\"></span>ets </span><span style=\"display:inherit;clear:left;\">brutt<span class=\"_ _1\"></span>o bokf\u00f8rt<span class=\"_ _1\"></span>e v<span class=\"_ _1\"></span>erdi p\u00e5 innr<span class=\"_ _1\"></span>egnings<span class=\"_ _1\"></span>tidspunkte<span class=\"_ _1\"></span>t. Det<span class=\"_ _1\"></span>te inneb\u00e6r<span class=\"_ _1\"></span>er l\u00f8pende inn<span class=\"_ _1\"></span>t<span class=\"_ _1\"></span>ektsf<span class=\"_ _1\"></span>\u00f8ring a<span class=\"_ _1\"></span>v nominelle r<span class=\"_ _1\"></span>en<span class=\"_ _1\"></span>ter med tillegg a<span class=\"_ _2\"></span>v amor<span class=\"_ _8\"></span>tise-</span><span style=\"display:inherit;clear:left;\">ring a<span class=\"_ _1\"></span>v etableringsg<span class=\"_ _1\"></span>eb<span class=\"_ _1\"></span>yr<span class=\"_ _1\"></span>er fr<span class=\"_ _1\"></span>a<span class=\"_ _1\"></span>trukke<span class=\"_ _1\"></span>t dir<span class=\"_ _1\"></span>ekte e<span class=\"_ _1\"></span>tableringsk<span class=\"_ _1\"></span>ostnader o<span class=\"_ _1\"></span>g andre merbe<span class=\"_ _1\"></span>taling<span class=\"_ _1\"></span>er eller r<span class=\"_ _1\"></span>aba<span class=\"_ _1\"></span>tt<span class=\"_ _1\"></span>er<span class=\"_ _0\"></span>. </span><span style=\"display:inherit;clear:left;\">F<span class=\"_ _2\"></span>or gjeldsinstrument<span class=\"_ _1\"></span>er p\u00e5 eiendelssiden bokf<span class=\"_ _1\"></span>\u00f8rt til amortisert kost og som er nedskr<span class=\"_ _1\"></span>e<span class=\"_ _1\"></span>ve<span class=\"_ _1\"></span>t som f<span class=\"_ _1\"></span>\u00f8lg<span class=\"_ _1\"></span>e a<span class=\"_ _1\"></span>v objektive be<span class=\"_ _1\"></span>vis f<span class=\"_ _1\"></span>or tap (se no<span class=\"_ _1\"></span>te </span><span style=\"display:inherit;clear:left;\">11), innt<span class=\"_ _1\"></span>ektsf<span class=\"_ _1\"></span>\u00f8r<span class=\"_ _1\"></span>es r<span class=\"_ _1\"></span>en<span class=\"_ _1\"></span>ter basert p\u00e5 ne<span class=\"_ _1\"></span>tt<span class=\"_ _1\"></span>o balansef<span class=\"_ _1\"></span>\u00f8rt bel\u00f8p<span class=\"_ _1\"></span>.</span><span style=\"display:inherit;clear:left;\">Rent<span class=\"_ _1\"></span>ekos<span class=\"_ _1\"></span>tnaden f<span class=\"_ _1\"></span>or finansielle ins<span class=\"_ _1\"></span>trument<span class=\"_ _1\"></span>er vur<span class=\"_ _1\"></span>dert til amortisert kost f<span class=\"_ _1\"></span>\u00f8lg<span class=\"_ _1\"></span>er analogisk som beskre<span class=\"_ _1\"></span>ve<span class=\"_ _1\"></span>t om inn<span class=\"_ _1\"></span>tekts<span class=\"_ _1\"></span>f<span class=\"_ _1\"></span>\u00f8ring a<span class=\"_ _1\"></span>v r<span class=\"_ _1\"></span>en<span class=\"_ _1\"></span>ter </span><span style=\"display:inherit;clear:left;\">for eiendeler<span class=\"_ _0\"></span>. Kos<span class=\"_ _1\"></span>tnaden er den r<span class=\"_ _1\"></span>en<span class=\"_ _1\"></span>ten som n\u00f8<span class=\"_ _1\"></span>y<span class=\"_ _1\"></span>aktig disk<span class=\"_ _1\"></span>on<span class=\"_ _1\"></span>ter<span class=\"_ _1\"></span>er den fr<span class=\"_ _1\"></span>em<span class=\"_ _1\"></span>tidige k<span class=\"_ _1\"></span>ontan<span class=\"_ _1\"></span>ts<span class=\"_ _1\"></span>tr<span class=\"_ _1\"></span>\u00f8m p\u00e5 instrumen<span class=\"_ _1\"></span>t<span class=\"_ _1\"></span>et inklusiv<span class=\"_ _1\"></span>e ev<span class=\"_ _1\"></span>en<span class=\"_ _1\"></span>tuell </span><span style=\"display:inherit;clear:left;\">amortisering av k<span class=\"_ _1\"></span>os<span class=\"_ _1\"></span>tnader p\u00e5 e<span class=\"_ _1\"></span>tableringstidspunkt<span class=\"_ _1\"></span>et. F<span class=\"_ _2\"></span>or finansiell gjeld vurdert til virkelig v<span class=\"_ _1\"></span>er<span class=\"_ _1\"></span>di k<span class=\"_ _1\"></span>ostna<span class=\"_ _1\"></span>dsf<span class=\"_ _1\"></span>\u00f8r<span class=\"_ _1\"></span>es omkos<span class=\"_ _1\"></span>tninger p\u00e5 </span><span style=\"display:inherit;clear:left;\">innregnings<span class=\"_ _1\"></span>tidspunkte<span class=\"_ _1\"></span>t og r<span class=\"_ _1\"></span>en<span class=\"_ _1\"></span>ten bes<span class=\"_ _1\"></span>t\u00e5r der<span class=\"_ _1\"></span>e<span class=\"_ _1\"></span>tt<span class=\"_ _1\"></span>er a<span class=\"_ _1\"></span>v periodiserte r<span class=\"_ _1\"></span>ent<span class=\"_ _1\"></span>eutbe<span class=\"_ _1\"></span>talinger f<span class=\"_ _1\"></span>or ins<span class=\"_ _1\"></span>trument<span class=\"_ _1\"></span>e<span class=\"_ _1\"></span>t.</span>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForFinanceIncomeAndCostsExplanatory",
    "language": "no",
    "entity": "scheme:213800M7T3CYVZ3ZRT12",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "s10_notes__6__72": {
   "value": "<span style=\"display:inherit;clear:left;\">Note 2<span class=\"_ _8\"></span>9 Net<span class=\"_ _8\"></span>to a<span class=\"_ _8\"></span>ndr<span class=\"_ _8\"></span>e dr<span class=\"_ _8\"></span>i<span class=\"_ _8\"></span>ftsi<span class=\"_ _8\"></span>n<span class=\"_ _8\"></span>ntek<span class=\"_ _8\"></span>ter</span><span style=\"display:inherit;clear:left;\">MORBANK<span class=\"_ _12c\"> </span><span class=\"lsc wsc\">KONSERN</span></span><span style=\"display:inherit;clear:left;\">2022<span class=\"_ _cc\"> </span>2023<span class=\"_ _16e\"> </span>2023<span class=\"_ _8a\"> </span>2022</span><span style=\"display:inherit;clear:left;\"> 43 <span class=\"_ _6e\"> </span> 56 <span class=\"_ _26d\"> </span></span><span style=\"display:inherit;clear:left;\">Garantipr<span class=\"_ _1\"></span>ovis<span class=\"_ _1\"></span>jon<span class=\"_ _2a8\"> </span><span class=\"ls82 ws14b\"> 56 <span class=\"_ _1b\"> </span><span class=\"ls122 ws1cc\"> 43 </span></span></span><span style=\"display:inherit;clear:left;\"> 357 <span class=\"_ _cd\"> </span></span><span style=\"display:inherit;clear:left;\"> 383 <span class=\"_ _26d\"> </span></span><span style=\"display:inherit;clear:left;\">Gebyrer<span class=\"_ _1\"></span> fra<span class=\"_ _1\"></span> betalingsformidling <span class=\"_ _198\"> </span><span class=\"ls0 ws0\"> 38<span class=\"_ _8\"></span>3 <span class=\"_ _8e\"> </span><span class=\"lsf wsf\"> 3<span class=\"_ _8\"></span>57 </span></span></span><span style=\"display:inherit;clear:left;\"> 162 <span class=\"_ _ba\"> </span></span><span style=\"display:inherit;clear:left;\"> 111 <span class=\"_ _26d\"> </span></span><span style=\"display:inherit;clear:left;\">Inntekter fr<span class=\"_ _1\"></span>a f<span class=\"_ _1\"></span>orsikring<span class=\"_ _2a9\"> </span><span class=\"ls14 ws14\"> 111 <span class=\"_ _6f\"> </span><span class=\"ls0 ws0\"> 1<span class=\"_ _8\"></span>62 </span></span></span><span style=\"display:inherit;clear:left;\"> 120 <span class=\"_ _83\"> </span> 120 <span class=\"_ _26d\"> </span></span><span style=\"display:inherit;clear:left;\">Inntekter<span class=\"_ _1\"></span> fra<span class=\"_ _1\"></span> sparing og<span class=\"_ _1\"></span> plassering<span class=\"_ _f4\"> </span><span class=\"ls122 ws1cc\"> 120 <span class=\"_ _6f\"> </span> 120 </span></span><span style=\"display:inherit;clear:left;\"> 47<span class=\"_ _8\"></span>3<span class=\"_ _8\"></span> <span class=\"_ _b7\"> </span><span class=\"ls125 ws1cf\"> 4<span class=\"_ _8\"></span>42<span class=\"_ _8\"></span> <span class=\"_ _26d\"> </span><span class=\"ls5 ws5\">Pr<span class=\"_ _1\"></span>ovisjonsinn<span class=\"_ _1\"></span>tekter fr<span class=\"_ _1\"></span>a k<span class=\"_ _1\"></span>onsernselskap</span></span></span><span style=\"display:inherit;clear:left;\"> 92 <span class=\"_ _65\"> </span></span><span style=\"display:inherit;clear:left;\"> 112 <span class=\"_ _26d\"> </span></span><span style=\"display:inherit;clear:left;\">Andre<span class=\"_ _1\"></span> pro<span class=\"_ _1\"></span>visjoner og<span class=\"_ _1\"></span> geb<span class=\"_ _1\"></span>yrer<span class=\"_ _1ac\"> </span><span class=\"ls122 ws1cc\"> 112<span class=\"_ _8\"></span> <span class=\"_ _72\"> </span><span class=\"ls0 ws0\"> 92 </span></span></span><span style=\"display:inherit;clear:left;\"> 1 248 <span class=\"_ _10a\"> </span> 1 224 <span class=\"_ _c4\"> </span></span><span style=\"display:inherit;clear:left;\">Provis<span class=\"_ _1\"></span>jonsinntekter<span class=\"_ _1\"></span> og innt<span class=\"_ _1\"></span>ekter fr<span class=\"_ _1\"></span>a banktjenester<span class=\"_ _149\"> </span><span class=\"ls62 wsb6\"> 783 <span class=\"_ _189\"> </span><span class=\"ls83 wsdd\"> 7<span class=\"_ _8\"></span>75 </span></span></span><span style=\"display:inherit;clear:left;\"> 103 <span class=\"_ _189\"> </span> 11<span class=\"_ _8\"></span>6 <span class=\"_ _c4\"> </span><span class=\"lse wse\">Gebyr betalingsformidling<span class=\"_ _166\"> </span></span> 116 <span class=\"_ _86\"> </span> 1<span class=\"_ _8\"></span>03 </span><span style=\"display:inherit;clear:left;\"> 8 <span class=\"_ _98\"> </span> 4 <span class=\"_ _26d\"> </span></span><span style=\"display:inherit;clear:left;\">Kostnader<span class=\"_ _1\"></span> knyttet til<span class=\"_ _1\"></span> sparing og<span class=\"_ _1\"></span> plassering<span class=\"_ _2aa\"> </span><span class=\"ls0 ws0\"> 4 <span class=\"_ _e9\"> </span> 8 </span></span><span style=\"display:inherit;clear:left;\"> 3 <span class=\"_ _17\"> </span> 7 <span class=\"_ _26d\"> </span></span><span style=\"display:inherit;clear:left;\">Andre<span class=\"_ _1\"></span> pro<span class=\"_ _1\"></span>visjoner og g<span class=\"_ _1\"></span>ebyr<span class=\"_ _1\"></span>er<span class=\"_ _17e\"> </span><span class=\"ls0 ws0\"> 9 <span class=\"_ _75\"> </span> 4 </span></span><span style=\"display:inherit;clear:left;\"> 115 <span class=\"_ _85\"> </span><span class=\"ls0 ws0\"> 127 <span class=\"_ _c4\"> </span><span class=\"ls7 ws7\">Provisjonskostnader og kostnader ved banktjenester<span class=\"_ _ae\"> </span></span> 129 <span class=\"_ _94\"> </span></span> 116 </span><span style=\"display:inherit;clear:left;\"> 43<span class=\"_ _8\"></span>6 <span class=\"_ _83\"> </span> 180 <span class=\"_ _c4\"> </span></span><span style=\"display:inherit;clear:left;\">Inntekter a<span class=\"_ _1\"></span>v eierint<span class=\"_ _1\"></span>eresser i<span class=\"_ _1\"></span> d\u00f8tre</span><span style=\"display:inherit;clear:left;\"> 148 <span class=\"_ _85\"> </span></span><span style=\"display:inherit;clear:left;\"> 13<span class=\"_ _8\"></span>9 <span class=\"_ _c4\"> </span></span><span style=\"display:inherit;clear:left;\">Inntekter a<span class=\"_ _1\"></span>v eierin<span class=\"_ _1\"></span>teresser i<span class=\"_ _1\"></span> tilknyttede selskaper<span class=\"_ _71\"> </span><span class=\"ls0 ws0\"> 2<span class=\"_ _8\"></span>15 <span class=\"_ _9b\"> </span><span class=\"ls122 ws1cc\"> 262 </span></span></span><span style=\"display:inherit;clear:left;\"> 584 <span class=\"_ _83\"> </span> 319 <span class=\"_ _26d\"> </span></span><span style=\"display:inherit;clear:left;\">Innt<span class=\"_ _1\"></span>ekter a<span class=\"_ _1\"></span>v eierint<span class=\"_ _1\"></span>eresser<span class=\"_ _1\"></span> i k<span class=\"_ _1\"></span>onsernselskaper og tilkn<span class=\"_ _1\"></span>yttede selskaper<span class=\"_ _ca\"> </span><span class=\"ls0 ws0\"> 2<span class=\"_ _8\"></span>15 <span class=\"_ _107\"> </span> 262 </span></span><span style=\"display:inherit;clear:left;\"> 37 <span class=\"_ _17\"> </span><span class=\"ls0 ws0\"> 3 <span class=\"_ _c4\"> </span><span class=\"ls13f ws1ed\">Ut<span class=\"_ _8\"></span>by<span class=\"_ _8\"></span>tt<span class=\"_ _8\"></span>e<span class=\"_ _2ab\"> </span></span> 3 <span class=\"_ _12\"> </span></span> 37 </span><span style=\"display:inherit;clear:left;\">1)</span><span style=\"display:inherit;clear:left;\"> -1<span class=\"_ _8\"></span>3<span class=\"_ _a\"></span>0<span class=\"_ _a\"></span> <span class=\"_ _6b\"> </span><span class=\"ls4a ws9d\"> -2<span class=\"_ _8\"></span>5<span class=\"_ _8\"></span> <span class=\"_ _26d\"> </span><span class=\"ls5 ws5\">Gevinst/<span class=\"_ _1\"></span>(tap<span class=\"_ _1\"></span>) p\u00e5<span class=\"_ _1\"></span> sertifikater<span class=\"_ _1\"></span> og obligasjoner </span></span></span><span style=\"display:inherit;clear:left;\"> -37 <span class=\"_ _6b\"> </span><span class=\"ls122 ws1cc\"> -<span class=\"_ _1\"></span>126 </span></span><span style=\"display:inherit;clear:left;\"> 37 <span class=\"_ _65\"> </span></span><span style=\"display:inherit;clear:left;\"> 44 <span class=\"_ _26d\"> </span></span><span style=\"display:inherit;clear:left;\">Gevinst/(<span class=\"_ _1\"></span>tap<span class=\"_ _1\"></span>) p\u00e5<span class=\"_ _1\"></span> aksjer<span class=\"_ _1b0\"> </span><span class=\"ls0 ws0\"> 44 <span class=\"_ _e9\"> </span> 5 </span></span><span style=\"display:inherit;clear:left;\">1)</span><span style=\"display:inherit;clear:left;\"> 4 <span class=\"_ _89\"> </span> 203 <span class=\"_ _c4\"> </span><span class=\"ls5 ws5\">Gevinst/(<span class=\"_ _1\"></span>tap)<span class=\"_ _1\"></span> p\u00e5 finansielle<span class=\"_ _1\"></span> deriva<span class=\"_ _1\"></span>ter<span class=\"_ _1\"></span> </span></span><span style=\"display:inherit;clear:left;\"> 36 <span class=\"_ _75\"> </span> 4 </span><span style=\"display:inherit;clear:left;\"> 81 <span class=\"_ _5d\"> </span> 91 <span class=\"_ _26d\"> </span></span><span style=\"display:inherit;clear:left;\">Gevinst/(<span class=\"_ _1\"></span>tap<span class=\"_ _1\"></span>) p\u00e5 v<span class=\"_ _1\"></span>aluta<span class=\"_ _13b\"> </span><span class=\"ls0 ws0\"> 89 <span class=\"_ _18\"> </span> 81 </span></span><span style=\"display:inherit;clear:left;\">Netto gevinst/<span class=\"_ _1\"></span>(<span class=\"_ _1\"></span>tap) finansielle instrumenter<span class=\"_ _0\"></span>, bestemt regnskapsf\u00f8rt <span class=\"ls0 ws0\"> </span></span><span style=\"display:inherit;clear:left;\">1)</span><span style=\"display:inherit;clear:left;\">til virkelig v<span class=\"_ _1\"></span>erdi </span><span style=\"display:inherit;clear:left;\"> 33 <span class=\"_ _107\"> </span></span><span style=\"display:inherit;clear:left;\"> -2<span class=\"_ _8\"></span>2<span class=\"_ _8\"></span> <span class=\"_ _10e\"> </span></span><span style=\"display:inherit;clear:left;\">\u2013 utl\u00e5n<span class=\"_ _248\"> </span><span class=\"ls82 ws14b\"> -37<span class=\"_ _8\"></span> <span class=\"_ _93\"> </span><span class=\"ls129 ws1d3\"> -1<span class=\"_ _8\"></span>5<span class=\"_ _a\"></span> </span></span></span><span style=\"display:inherit;clear:left;\"> 2 <span class=\"_ _98\"> </span><span class=\"ls129 ws1d3\"> -1<span class=\"_ _8\"></span> <span class=\"_ _10e\"> </span><span class=\"lse wse\">\u2013 innskudd<span class=\"_ _2ac\"> </span></span> -1<span class=\"_ _8\"></span> <span class=\"_ _8b\"> </span></span> 2 </span><span style=\"display:inherit;clear:left;\"> 17 <span class=\"_ _90\"> </span><span class=\"ls129 ws1d3\"> -1<span class=\"_ _a\"></span>2<span class=\"_ _8\"></span>5<span class=\"_ _a\"></span> <span class=\"_ _10e\"> </span><span class=\"ls0 ws0\">\u2013 g<span class=\"_ _8\"></span>j<span class=\"_ _8\"></span>eld s<span class=\"_ _8\"></span>tif<span class=\"_ _8\"></span>tet ved ut<span class=\"_ _8\"></span>sted<span class=\"_ _8\"></span>els<span class=\"_ _8\"></span>e av verdipa<span class=\"_ _8\"></span>pirer<span class=\"_ _18b\"> </span></span> -1<span class=\"_ _a\"></span>6<span class=\"_ _a\"></span>3<span class=\"_ _a\"></span> <span class=\"_ _11\"> </span><span class=\"ls0 ws0\"> 91 </span></span></span><span style=\"display:inherit;clear:left;\"> 6 <span class=\"_ _11\"> </span> 0 <span class=\"_ _10e\"> </span></span><span style=\"display:inherit;clear:left;\">\u2013 ansv<span class=\"_ _1\"></span>arlig l\u00e5nekapital<span class=\"_ _266\"> </span><span class=\"ls0 ws0\"> 0 <span class=\"_ _91\"> </span> 6 </span></span><span style=\"display:inherit;clear:left;\">Netto gevinst/<span class=\"_ _1\"></span>(<span class=\"_ _1\"></span>tap) finansielle instrumenter<span class=\"_ _0\"></span>, regnskapsf\u00f8rt til amor<span class=\"_ _8\"></span>tisert kost </span><span style=\"display:inherit;clear:left;\"> -2<span class=\"_ _8\"></span> <span class=\"_ _93\"> </span></span><span style=\"display:inherit;clear:left;\"> -3 <span class=\"_ _10e\"> </span></span><span style=\"display:inherit;clear:left;\">\u2013 g<span class=\"_ _8\"></span>j<span class=\"_ _8\"></span>eld s<span class=\"_ _8\"></span>tif<span class=\"_ _8\"></span>tet ved ut<span class=\"_ _8\"></span>sted<span class=\"_ _8\"></span>els<span class=\"_ _8\"></span>e av verdipa<span class=\"_ _8\"></span>pirer<span class=\"_ _1e6\"> </span><span class=\"ls129 ws1d3\"> -1<span class=\"_ _8\"></span>0<span class=\"_ _8\"></span> <span class=\"_ _14\"> </span> -1<span class=\"_ _a\"></span>1<span class=\"_ _8\"></span> </span></span><span style=\"display:inherit;clear:left;\">Netto gevinst/<span class=\"_ _1\"></span>(<span class=\"_ _1\"></span>tap) finansielle instrumenter<span class=\"_ _1\"></span> knyttet til sikringsbokf\u00f8ring</span><span style=\"display:inherit;clear:left;\">\u2013 deriva<span class=\"_ _1\"></span>ter<span class=\"_ _1\"></span> \u00f8remerk<span class=\"_ _1\"></span>et f<span class=\"_ _1\"></span>or sikring<span class=\"_ _1\"></span>sbokf\u00f8ring<span class=\"_ _1bc\"> </span><span class=\"ls124 ws1ce\"> 474<span class=\"_ _8\"></span> <span class=\"_ _89\"> </span><span class=\"ls120 ws1cb\"> -8<span class=\"_ _8\"></span>53 </span></span></span><span style=\"display:inherit;clear:left;\">\u2013 g<span class=\"_ _8\"></span>j<span class=\"_ _8\"></span>eld s<span class=\"_ _8\"></span>tif<span class=\"_ _8\"></span>tet ved ut<span class=\"_ _8\"></span>sted<span class=\"_ _8\"></span>els<span class=\"_ _8\"></span>e av verdipa<span class=\"_ _8\"></span>pirer<span class=\"_ _1\"></span>, sikret<span class=\"_ _130\"> </span> -4<span class=\"_ _8\"></span>84 <span class=\"_ _6b\"> </span> 854 </span><span style=\"display:inherit;clear:left;\"> 84 <span class=\"_ _cd\"> </span> 1<span class=\"_ _8\"></span>64 <span class=\"_ _c4\"> </span></span><span style=\"display:inherit;clear:left;\">N<span class=\"_ _8\"></span>etto<span class=\"_ _1\"></span> gevin<span class=\"_ _1\"></span>st/(<span class=\"_ _1\"></span>tap<span class=\"_ _1\"></span>) finansielle<span class=\"_ _1\"></span> instrument<span class=\"_ _1\"></span>er <span class=\"_ _2ad\"> </span><span class=\"ls92 wsee\"> -87 <span class=\"_ _1a\"> </span><span class=\"ls144 ws1f3\"> 74<span class=\"_ _8\"></span> </span></span></span><span style=\"display:inherit;clear:left;\">Meglerprovisjon<span class=\"_ _2ae\"> </span><span class=\"ls122 ws1cc\"> 261 <span class=\"_ _108\"> </span><span class=\"ls0 ws0\"> 251 </span></span></span><span style=\"display:inherit;clear:left;\"> 3 <span class=\"_ _8d\"> </span>0 <span class=\"_ _26d\"> </span><span class=\"lse wse\">Andre driftsinntekter<span class=\"_ _264\"> </span></span> 2 <span class=\"_ _e9\"> </span> 5 </span><span style=\"display:inherit;clear:left;\"> 3 <span class=\"_ _8d\"> </span>0 <span class=\"_ _26d\"> </span></span><span style=\"display:inherit;clear:left;\">Andre<span class=\"_ _1\"></span> driftsinntekter<span class=\"_ _14d\"> </span><span class=\"ls0 ws0\"> 26<span class=\"_ _8\"></span>3 <span class=\"_ _107\"> </span> 256 </span></span><span style=\"display:inherit;clear:left;\"> 1 804 <span class=\"_ _10a\"> </span> 1 580 <span class=\"_ _26d\"> </span></span><span style=\"display:inherit;clear:left;\">Nett<span class=\"_ _1\"></span>o andre<span class=\"_ _1\"></span> driftsinnt<span class=\"_ _1\"></span>ekter<span class=\"_ _2a6\"> </span><span class=\"ls0 ws0\"> 1 0<span class=\"_ _8\"></span>44 <span class=\"_ _dc\"> </span> 1 25<span class=\"_ _8\"></span>0 </span></span><span style=\"display:inherit;clear:left;\">1)</span><span style=\"display:inherit;clear:left;\">  <span class=\"_ _4\"></span>R<span class=\"_ _8\"></span>esu<span class=\"_ _8\"></span>ltat av der<span class=\"_ _8\"></span>ivater so<span class=\"_ _8\"></span>m er be<span class=\"_ _8\"></span>nyt<span class=\"_ _8\"></span>tet for \u00e5 st<span class=\"_ _8\"></span>yre rente- o<span class=\"_ _8\"></span>g valut<span class=\"_ _8\"></span>ari<span class=\"_ _8\"></span>siko, er fo<span class=\"_ _8\"></span>rdelt p<span class=\"_ _8\"></span>\u00e5 resu<span class=\"_ _8\"></span>ltatl<span class=\"_ _8\"></span>inje<span class=\"_ _8\"></span>ne for d<span class=\"_ _8\"></span>e fin<span class=\"_ _8\"></span>ansi<span class=\"_ _8\"></span>ell<span class=\"_ _8\"></span>e </span><span style=\"display:inherit;clear:left;\">instrumenter<span class=\"_ _1\"></span> de styres<span class=\"_ _1\"></span> sammen med.</span><span style=\"display:inherit;clear:left;\">Gebyre<span class=\"_ _1\"></span>r som er<span class=\"_ _1\"></span> en dir<span class=\"_ _1\"></span>ekte betaling f<span class=\"_ _1\"></span>or utf\u00f8rte tjenest<span class=\"_ _1\"></span>er tas til<span class=\"_ _1\"></span> inntekt n\u00e5r<span class=\"_ _1\"></span> tjenesten er<span class=\"_ _1\"></span> levert. Under r<span class=\"_ _1\"></span>egnskapslinjen \u00abNe<span class=\"_ _1\"></span>tto </span><span style=\"display:inherit;clear:left;\">andre d<span class=\"_ _1\"></span>riftsinntekter\u00bb inng\u00e5r blant<span class=\"_ _1\"></span> annet g<span class=\"_ _1\"></span>ebyr<span class=\"_ _1\"></span>er og<span class=\"_ _1\"></span> pro<span class=\"_ _1\"></span>visjoner fr<span class=\"_ _1\"></span>a betalingsf<span class=\"_ _1\"></span>ormidling, gar<span class=\"_ _1\"></span>antiutst<span class=\"_ _1\"></span>edelse, eiendomsmegling og </span><span style=\"display:inherit;clear:left;\">forsikringssalg. </span><span style=\"display:inherit;clear:left;\">Gebyre<span class=\"_ _1\"></span>r kostn<span class=\"_ _1\"></span>adsf\u00f8r<span class=\"_ _1\"></span>es i<span class=\"_ _1\"></span> takt med mottak a<span class=\"_ _1\"></span>v tjenester<span class=\"_ _0\"></span>.</span>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfOtherOperatingIncomeExplanatory",
    "language": "no",
    "entity": "scheme:213800M7T3CYVZ3ZRT12",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "s10_notes__6__71": {
   "value": "<span style=\"display:inherit;clear:left;\">Note 2<span class=\"_ _8\"></span>9 Net<span class=\"_ _8\"></span>to a<span class=\"_ _8\"></span>ndr<span class=\"_ _8\"></span>e dr<span class=\"_ _8\"></span>i<span class=\"_ _8\"></span>ftsi<span class=\"_ _8\"></span>n<span class=\"_ _8\"></span>ntek<span class=\"_ _8\"></span>ter</span><span style=\"display:inherit;clear:left;\">MORBANK<span class=\"_ _12c\"> </span><span class=\"lsc wsc\">KONSERN</span></span><span style=\"display:inherit;clear:left;\">2022<span class=\"_ _cc\"> </span>2023<span class=\"_ _16e\"> </span>2023<span class=\"_ _8a\"> </span>2022</span><span style=\"display:inherit;clear:left;\"> 43 <span class=\"_ _6e\"> </span> 56 <span class=\"_ _26d\"> </span></span><span style=\"display:inherit;clear:left;\">Garantipr<span class=\"_ _1\"></span>ovis<span class=\"_ _1\"></span>jon<span class=\"_ _2a8\"> </span><span class=\"ls82 ws14b\"> 56 <span class=\"_ _1b\"> </span><span class=\"ls122 ws1cc\"> 43 </span></span></span><span style=\"display:inherit;clear:left;\"> 357 <span class=\"_ _cd\"> </span></span><span style=\"display:inherit;clear:left;\"> 383 <span class=\"_ _26d\"> </span></span><span style=\"display:inherit;clear:left;\">Gebyrer<span class=\"_ _1\"></span> fra<span class=\"_ _1\"></span> betalingsformidling <span class=\"_ _198\"> </span><span class=\"ls0 ws0\"> 38<span class=\"_ _8\"></span>3 <span class=\"_ _8e\"> </span><span class=\"lsf wsf\"> 3<span class=\"_ _8\"></span>57 </span></span></span><span style=\"display:inherit;clear:left;\"> 162 <span class=\"_ _ba\"> </span></span><span style=\"display:inherit;clear:left;\"> 111 <span class=\"_ _26d\"> </span></span><span style=\"display:inherit;clear:left;\">Inntekter fr<span class=\"_ _1\"></span>a f<span class=\"_ _1\"></span>orsikring<span class=\"_ _2a9\"> </span><span class=\"ls14 ws14\"> 111 <span class=\"_ _6f\"> </span><span class=\"ls0 ws0\"> 1<span class=\"_ _8\"></span>62 </span></span></span><span style=\"display:inherit;clear:left;\"> 120 <span class=\"_ _83\"> </span> 120 <span class=\"_ _26d\"> </span></span><span style=\"display:inherit;clear:left;\">Inntekter<span class=\"_ _1\"></span> fra<span class=\"_ _1\"></span> sparing og<span class=\"_ _1\"></span> plassering<span class=\"_ _f4\"> </span><span class=\"ls122 ws1cc\"> 120 <span class=\"_ _6f\"> </span> 120 </span></span><span style=\"display:inherit;clear:left;\"> 47<span class=\"_ _8\"></span>3<span class=\"_ _8\"></span> <span class=\"_ _b7\"> </span><span class=\"ls125 ws1cf\"> 4<span class=\"_ _8\"></span>42<span class=\"_ _8\"></span> <span class=\"_ _26d\"> </span><span class=\"ls5 ws5\">Pr<span class=\"_ _1\"></span>ovisjonsinn<span class=\"_ _1\"></span>tekter fr<span class=\"_ _1\"></span>a k<span class=\"_ _1\"></span>onsernselskap</span></span></span><span style=\"display:inherit;clear:left;\"> 92 <span class=\"_ _65\"> </span></span><span style=\"display:inherit;clear:left;\"> 112 <span class=\"_ _26d\"> </span></span><span style=\"display:inherit;clear:left;\">Andre<span class=\"_ _1\"></span> pro<span class=\"_ _1\"></span>visjoner og<span class=\"_ _1\"></span> geb<span class=\"_ _1\"></span>yrer<span class=\"_ _1ac\"> </span><span class=\"ls122 ws1cc\"> 112<span class=\"_ _8\"></span> <span class=\"_ _72\"> </span><span class=\"ls0 ws0\"> 92 </span></span></span><span style=\"display:inherit;clear:left;\"> 1 248 <span class=\"_ _10a\"> </span> 1 224 <span class=\"_ _c4\"> </span></span><span style=\"display:inherit;clear:left;\">Provis<span class=\"_ _1\"></span>jonsinntekter<span class=\"_ _1\"></span> og innt<span class=\"_ _1\"></span>ekter fr<span class=\"_ _1\"></span>a banktjenester<span class=\"_ _149\"> </span><span class=\"ls62 wsb6\"> 783 <span class=\"_ _189\"> </span><span class=\"ls83 wsdd\"> 7<span class=\"_ _8\"></span>75 </span></span></span><span style=\"display:inherit;clear:left;\"> 103 <span class=\"_ _189\"> </span> 11<span class=\"_ _8\"></span>6 <span class=\"_ _c4\"> </span><span class=\"lse wse\">Gebyr betalingsformidling<span class=\"_ _166\"> </span></span> 116 <span class=\"_ _86\"> </span> 1<span class=\"_ _8\"></span>03 </span><span style=\"display:inherit;clear:left;\"> 8 <span class=\"_ _98\"> </span> 4 <span class=\"_ _26d\"> </span></span><span style=\"display:inherit;clear:left;\">Kostnader<span class=\"_ _1\"></span> knyttet til<span class=\"_ _1\"></span> sparing og<span class=\"_ _1\"></span> plassering<span class=\"_ _2aa\"> </span><span class=\"ls0 ws0\"> 4 <span class=\"_ _e9\"> </span> 8 </span></span><span style=\"display:inherit;clear:left;\"> 3 <span class=\"_ _17\"> </span> 7 <span class=\"_ _26d\"> </span></span><span style=\"display:inherit;clear:left;\">Andre<span class=\"_ _1\"></span> pro<span class=\"_ _1\"></span>visjoner og g<span class=\"_ _1\"></span>ebyr<span class=\"_ _1\"></span>er<span class=\"_ _17e\"> </span><span class=\"ls0 ws0\"> 9 <span class=\"_ _75\"> </span> 4 </span></span><span style=\"display:inherit;clear:left;\"> 115 <span class=\"_ _85\"> </span><span class=\"ls0 ws0\"> 127 <span class=\"_ _c4\"> </span><span class=\"ls7 ws7\">Provisjonskostnader og kostnader ved banktjenester<span class=\"_ _ae\"> </span></span> 129 <span class=\"_ _94\"> </span></span> 116 </span><span style=\"display:inherit;clear:left;\"> 43<span class=\"_ _8\"></span>6 <span class=\"_ _83\"> </span> 180 <span class=\"_ _c4\"> </span></span><span style=\"display:inherit;clear:left;\">Inntekter a<span class=\"_ _1\"></span>v eierint<span class=\"_ _1\"></span>eresser i<span class=\"_ _1\"></span> d\u00f8tre</span><span style=\"display:inherit;clear:left;\"> 148 <span class=\"_ _85\"> </span></span><span style=\"display:inherit;clear:left;\"> 13<span class=\"_ _8\"></span>9 <span class=\"_ _c4\"> </span></span><span style=\"display:inherit;clear:left;\">Inntekter a<span class=\"_ _1\"></span>v eierin<span class=\"_ _1\"></span>teresser i<span class=\"_ _1\"></span> tilknyttede selskaper<span class=\"_ _71\"> </span><span class=\"ls0 ws0\"> 2<span class=\"_ _8\"></span>15 <span class=\"_ _9b\"> </span><span class=\"ls122 ws1cc\"> 262 </span></span></span><span style=\"display:inherit;clear:left;\"> 584 <span class=\"_ _83\"> </span> 319 <span class=\"_ _26d\"> </span></span><span style=\"display:inherit;clear:left;\">Innt<span class=\"_ _1\"></span>ekter a<span class=\"_ _1\"></span>v eierint<span class=\"_ _1\"></span>eresser<span class=\"_ _1\"></span> i k<span class=\"_ _1\"></span>onsernselskaper og tilkn<span class=\"_ _1\"></span>yttede selskaper<span class=\"_ _ca\"> </span><span class=\"ls0 ws0\"> 2<span class=\"_ _8\"></span>15 <span class=\"_ _107\"> </span> 262 </span></span><span style=\"display:inherit;clear:left;\"> 37 <span class=\"_ _17\"> </span><span class=\"ls0 ws0\"> 3 <span class=\"_ _c4\"> </span><span class=\"ls13f ws1ed\">Ut<span class=\"_ _8\"></span>by<span class=\"_ _8\"></span>tt<span class=\"_ _8\"></span>e<span class=\"_ _2ab\"> </span></span> 3 <span class=\"_ _12\"> </span></span> 37 </span><span style=\"display:inherit;clear:left;\">1)</span><span style=\"display:inherit;clear:left;\"> -1<span class=\"_ _8\"></span>3<span class=\"_ _a\"></span>0<span class=\"_ _a\"></span> <span class=\"_ _6b\"> </span><span class=\"ls4a ws9d\"> -2<span class=\"_ _8\"></span>5<span class=\"_ _8\"></span> <span class=\"_ _26d\"> </span><span class=\"ls5 ws5\">Gevinst/<span class=\"_ _1\"></span>(tap<span class=\"_ _1\"></span>) p\u00e5<span class=\"_ _1\"></span> sertifikater<span class=\"_ _1\"></span> og obligasjoner </span></span></span><span style=\"display:inherit;clear:left;\"> -37 <span class=\"_ _6b\"> </span><span class=\"ls122 ws1cc\"> -<span class=\"_ _1\"></span>126 </span></span><span style=\"display:inherit;clear:left;\"> 37 <span class=\"_ _65\"> </span></span><span style=\"display:inherit;clear:left;\"> 44 <span class=\"_ _26d\"> </span></span><span style=\"display:inherit;clear:left;\">Gevinst/(<span class=\"_ _1\"></span>tap<span class=\"_ _1\"></span>) p\u00e5<span class=\"_ _1\"></span> aksjer<span class=\"_ _1b0\"> </span><span class=\"ls0 ws0\"> 44 <span class=\"_ _e9\"> </span> 5 </span></span><span style=\"display:inherit;clear:left;\">1)</span><span style=\"display:inherit;clear:left;\"> 4 <span class=\"_ _89\"> </span> 203 <span class=\"_ _c4\"> </span><span class=\"ls5 ws5\">Gevinst/(<span class=\"_ _1\"></span>tap)<span class=\"_ _1\"></span> p\u00e5 finansielle<span class=\"_ _1\"></span> deriva<span class=\"_ _1\"></span>ter<span class=\"_ _1\"></span> </span></span><span style=\"display:inherit;clear:left;\"> 36 <span class=\"_ _75\"> </span> 4 </span><span style=\"display:inherit;clear:left;\"> 81 <span class=\"_ _5d\"> </span> 91 <span class=\"_ _26d\"> </span></span><span style=\"display:inherit;clear:left;\">Gevinst/(<span class=\"_ _1\"></span>tap<span class=\"_ _1\"></span>) p\u00e5 v<span class=\"_ _1\"></span>aluta<span class=\"_ _13b\"> </span><span class=\"ls0 ws0\"> 89 <span class=\"_ _18\"> </span> 81 </span></span><span style=\"display:inherit;clear:left;\">Netto gevinst/<span class=\"_ _1\"></span>(<span class=\"_ _1\"></span>tap) finansielle instrumenter<span class=\"_ _0\"></span>, bestemt regnskapsf\u00f8rt <span class=\"ls0 ws0\"> </span></span><span style=\"display:inherit;clear:left;\">1)</span><span style=\"display:inherit;clear:left;\">til virkelig v<span class=\"_ _1\"></span>erdi </span><span style=\"display:inherit;clear:left;\"> 33 <span class=\"_ _107\"> </span></span><span style=\"display:inherit;clear:left;\"> -2<span class=\"_ _8\"></span>2<span class=\"_ _8\"></span> <span class=\"_ _10e\"> </span></span><span style=\"display:inherit;clear:left;\">\u2013 utl\u00e5n<span class=\"_ _248\"> </span><span class=\"ls82 ws14b\"> -37<span class=\"_ _8\"></span> <span class=\"_ _93\"> </span><span class=\"ls129 ws1d3\"> -1<span class=\"_ _8\"></span>5<span class=\"_ _a\"></span> </span></span></span><span style=\"display:inherit;clear:left;\"> 2 <span class=\"_ _98\"> </span><span class=\"ls129 ws1d3\"> -1<span class=\"_ _8\"></span> <span class=\"_ _10e\"> </span><span class=\"lse wse\">\u2013 innskudd<span class=\"_ _2ac\"> </span></span> -1<span class=\"_ _8\"></span> <span class=\"_ _8b\"> </span></span> 2 </span><span style=\"display:inherit;clear:left;\"> 17 <span class=\"_ _90\"> </span><span class=\"ls129 ws1d3\"> -1<span class=\"_ _a\"></span>2<span class=\"_ _8\"></span>5<span class=\"_ _a\"></span> <span class=\"_ _10e\"> </span><span class=\"ls0 ws0\">\u2013 g<span class=\"_ _8\"></span>j<span class=\"_ _8\"></span>eld s<span class=\"_ _8\"></span>tif<span class=\"_ _8\"></span>tet ved ut<span class=\"_ _8\"></span>sted<span class=\"_ _8\"></span>els<span class=\"_ _8\"></span>e av verdipa<span class=\"_ _8\"></span>pirer<span class=\"_ _18b\"> </span></span> -1<span class=\"_ _a\"></span>6<span class=\"_ _a\"></span>3<span class=\"_ _a\"></span> <span class=\"_ _11\"> </span><span class=\"ls0 ws0\"> 91 </span></span></span><span style=\"display:inherit;clear:left;\"> 6 <span class=\"_ _11\"> </span> 0 <span class=\"_ _10e\"> </span></span><span style=\"display:inherit;clear:left;\">\u2013 ansv<span class=\"_ _1\"></span>arlig l\u00e5nekapital<span class=\"_ _266\"> </span><span class=\"ls0 ws0\"> 0 <span class=\"_ _91\"> </span> 6 </span></span><span style=\"display:inherit;clear:left;\">Netto gevinst/<span class=\"_ _1\"></span>(<span class=\"_ _1\"></span>tap) finansielle instrumenter<span class=\"_ _0\"></span>, regnskapsf\u00f8rt til amor<span class=\"_ _8\"></span>tisert kost </span><span style=\"display:inherit;clear:left;\"> -2<span class=\"_ _8\"></span> <span class=\"_ _93\"> </span></span><span style=\"display:inherit;clear:left;\"> -3 <span class=\"_ _10e\"> </span></span><span style=\"display:inherit;clear:left;\">\u2013 g<span class=\"_ _8\"></span>j<span class=\"_ _8\"></span>eld s<span class=\"_ _8\"></span>tif<span class=\"_ _8\"></span>tet ved ut<span class=\"_ _8\"></span>sted<span class=\"_ _8\"></span>els<span class=\"_ _8\"></span>e av verdipa<span class=\"_ _8\"></span>pirer<span class=\"_ _1e6\"> </span><span class=\"ls129 ws1d3\"> -1<span class=\"_ _8\"></span>0<span class=\"_ _8\"></span> <span class=\"_ _14\"> </span> -1<span class=\"_ _a\"></span>1<span class=\"_ _8\"></span> </span></span><span style=\"display:inherit;clear:left;\">Netto gevinst/<span class=\"_ _1\"></span>(<span class=\"_ _1\"></span>tap) finansielle instrumenter<span class=\"_ _1\"></span> knyttet til sikringsbokf\u00f8ring</span><span style=\"display:inherit;clear:left;\">\u2013 deriva<span class=\"_ _1\"></span>ter<span class=\"_ _1\"></span> \u00f8remerk<span class=\"_ _1\"></span>et f<span class=\"_ _1\"></span>or sikring<span class=\"_ _1\"></span>sbokf\u00f8ring<span class=\"_ _1bc\"> </span><span class=\"ls124 ws1ce\"> 474<span class=\"_ _8\"></span> <span class=\"_ _89\"> </span><span class=\"ls120 ws1cb\"> -8<span class=\"_ _8\"></span>53 </span></span></span><span style=\"display:inherit;clear:left;\">\u2013 g<span class=\"_ _8\"></span>j<span class=\"_ _8\"></span>eld s<span class=\"_ _8\"></span>tif<span class=\"_ _8\"></span>tet ved ut<span class=\"_ _8\"></span>sted<span class=\"_ _8\"></span>els<span class=\"_ _8\"></span>e av verdipa<span class=\"_ _8\"></span>pirer<span class=\"_ _1\"></span>, sikret<span class=\"_ _130\"> </span> -4<span class=\"_ _8\"></span>84 <span class=\"_ _6b\"> </span> 854 </span><span style=\"display:inherit;clear:left;\"> 84 <span class=\"_ _cd\"> </span> 1<span class=\"_ _8\"></span>64 <span class=\"_ _c4\"> </span></span><span style=\"display:inherit;clear:left;\">N<span class=\"_ _8\"></span>etto<span class=\"_ _1\"></span> gevin<span class=\"_ _1\"></span>st/(<span class=\"_ _1\"></span>tap<span class=\"_ _1\"></span>) finansielle<span class=\"_ _1\"></span> instrument<span class=\"_ _1\"></span>er <span class=\"_ _2ad\"> </span><span class=\"ls92 wsee\"> -87 <span class=\"_ _1a\"> </span><span class=\"ls144 ws1f3\"> 74<span class=\"_ _8\"></span> </span></span></span><span style=\"display:inherit;clear:left;\">Meglerprovisjon<span class=\"_ _2ae\"> </span><span class=\"ls122 ws1cc\"> 261 <span class=\"_ _108\"> </span><span class=\"ls0 ws0\"> 251 </span></span></span><span style=\"display:inherit;clear:left;\"> 3 <span class=\"_ _8d\"> </span>0 <span class=\"_ _26d\"> </span><span class=\"lse wse\">Andre driftsinntekter<span class=\"_ _264\"> </span></span> 2 <span class=\"_ _e9\"> </span> 5 </span><span style=\"display:inherit;clear:left;\"> 3 <span class=\"_ _8d\"> </span>0 <span class=\"_ _26d\"> </span></span><span style=\"display:inherit;clear:left;\">Andre<span class=\"_ _1\"></span> driftsinntekter<span class=\"_ _14d\"> </span><span class=\"ls0 ws0\"> 26<span class=\"_ _8\"></span>3 <span class=\"_ _107\"> </span> 256 </span></span><span style=\"display:inherit;clear:left;\"> 1 804 <span class=\"_ _10a\"> </span> 1 580 <span class=\"_ _26d\"> </span></span><span style=\"display:inherit;clear:left;\">Nett<span class=\"_ _1\"></span>o andre<span class=\"_ _1\"></span> driftsinnt<span class=\"_ _1\"></span>ekter<span class=\"_ _2a6\"> </span><span class=\"ls0 ws0\"> 1 0<span class=\"_ _8\"></span>44 <span class=\"_ _dc\"> </span> 1 25<span class=\"_ _8\"></span>0 </span></span><span style=\"display:inherit;clear:left;\">1)</span><span style=\"display:inherit;clear:left;\">  <span class=\"_ _4\"></span>R<span class=\"_ _8\"></span>esu<span class=\"_ _8\"></span>ltat av der<span class=\"_ _8\"></span>ivater so<span class=\"_ _8\"></span>m er be<span class=\"_ _8\"></span>nyt<span class=\"_ _8\"></span>tet for \u00e5 st<span class=\"_ _8\"></span>yre rente- o<span class=\"_ _8\"></span>g valut<span class=\"_ _8\"></span>ari<span class=\"_ _8\"></span>siko, er fo<span class=\"_ _8\"></span>rdelt p<span class=\"_ _8\"></span>\u00e5 resu<span class=\"_ _8\"></span>ltatl<span class=\"_ _8\"></span>inje<span class=\"_ _8\"></span>ne for d<span class=\"_ _8\"></span>e fin<span class=\"_ _8\"></span>ansi<span class=\"_ _8\"></span>ell<span class=\"_ _8\"></span>e </span><span style=\"display:inherit;clear:left;\">instrumenter<span class=\"_ _1\"></span> de styres<span class=\"_ _1\"></span> sammen med.</span><span style=\"display:inherit;clear:left;\">Gebyre<span class=\"_ _1\"></span>r som er<span class=\"_ _1\"></span> en dir<span class=\"_ _1\"></span>ekte betaling f<span class=\"_ _1\"></span>or utf\u00f8rte tjenest<span class=\"_ _1\"></span>er tas til<span class=\"_ _1\"></span> inntekt n\u00e5r<span class=\"_ _1\"></span> tjenesten er<span class=\"_ _1\"></span> levert. Under r<span class=\"_ _1\"></span>egnskapslinjen \u00abNe<span class=\"_ _1\"></span>tto </span><span style=\"display:inherit;clear:left;\">andre d<span class=\"_ _1\"></span>riftsinntekter\u00bb inng\u00e5r blant<span class=\"_ _1\"></span> annet g<span class=\"_ _1\"></span>ebyr<span class=\"_ _1\"></span>er og<span class=\"_ _1\"></span> pro<span class=\"_ _1\"></span>visjoner fr<span class=\"_ _1\"></span>a betalingsf<span class=\"_ _1\"></span>ormidling, gar<span class=\"_ _1\"></span>antiutst<span class=\"_ _1\"></span>edelse, eiendomsmegling og </span><span style=\"display:inherit;clear:left;\">forsikringssalg. </span><span style=\"display:inherit;clear:left;\">Gebyre<span class=\"_ _1\"></span>r kostn<span class=\"_ _1\"></span>adsf\u00f8r<span class=\"_ _1\"></span>es i<span class=\"_ _1\"></span> takt med mottak a<span class=\"_ _1\"></span>v tjenester<span class=\"_ _0\"></span>.</span>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfOtherOperatingIncomeExpenseExplanatory",
    "language": "no",
    "entity": "scheme:213800M7T3CYVZ3ZRT12",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "s10_notes__6__76-1": {
   "value": "<span style=\"display:inherit;clear:left;\">Not<span class=\"_ _1\"></span>e 30<span class=\"_ _8\"></span> Dr<span class=\"_ _8\"></span>iftsk<span class=\"_ _1\"></span>ostnader</span><span style=\"display:inherit;clear:left;\">MORBANK<span class=\"_ _12c\"> </span><span class=\"lsc wsc\">KONSERN</span></span><span style=\"display:inherit;clear:left;\">2022<span class=\"_ _cc\"> </span>2023<span class=\"_ _16e\"> </span>2023<span class=\"_ _cc\"> </span>2022</span><span style=\"display:inherit;clear:left;\">576<span class=\"_ _86\"> </span></span><span style=\"display:inherit;clear:left;\">625<span class=\"_ _11a\"> </span></span><span style=\"display:inherit;clear:left;\">L\u00f8nnskostnader inklusive<span class=\"_ _1\"></span> arbeidsg<span class=\"_ _8\"></span>iver<span class=\"_ _1\"></span>av<span class=\"_ _1\"></span>gift<span class=\"_ _17f\"> </span><span class=\"ls0 ws0\">777<span class=\"_ _6f\"> </span><span class=\"ls137 ws1e4\">72<span class=\"_ _8\"></span>2</span></span></span><span style=\"display:inherit;clear:left;\">83<span class=\"_ _14\"> </span></span><span style=\"display:inherit;clear:left;\">78<span class=\"_ _11a\"> </span><span class=\"ls5 ws5\">Pensjonsk<span class=\"_ _1\"></span>ostnader<span class=\"_ _2af\"> </span>90<span class=\"_ _72\"> </span><span class=\"ls11 ws11\">94</span></span></span><span style=\"display:inherit;clear:left;\">47<span class=\"_ _72\"> </span></span><span style=\"display:inherit;clear:left;\">40<span class=\"_ _11a\"> </span></span><span style=\"display:inherit;clear:left;\">Andre personalr<span class=\"_ _1\"></span>ela<span class=\"_ _1\"></span>terte kos<span class=\"_ _1\"></span>tnader<span class=\"_ _fa\"> </span><span class=\"ls126 ws1d0\">52<span class=\"_ _12\"> </span><span class=\"ls14 ws14\">59</span></span></span><span style=\"display:inherit;clear:left;\">78<span class=\"_ _14\"> </span></span><span style=\"display:inherit;clear:left;\">79<span class=\"_ _11a\"> </span></span><span style=\"display:inherit;clear:left;\">Eksterne honor<span class=\"_ _1\"></span>ar<span class=\"_ _2b0\"> </span><span class=\"lsa wsa\">82<span class=\"_ _14\"> </span>82</span></span><span style=\"display:inherit;clear:left;\">255<span class=\"_ _107\"> </span></span><span style=\"display:inherit;clear:left;\">30<span class=\"_ _8\"></span>4<span class=\"_ _b9\"> </span></span><span style=\"display:inherit;clear:left;\">IKT<span class=\"_ _2\"></span>-kostnader<span class=\"_ _2b1\"> </span><span class=\"ls123 ws1cd\">316<span class=\"_ _86\"> </span><span class=\"ls122 ws1cc\">267</span></span></span><span style=\"display:inherit;clear:left;\">57<span class=\"_ _12\"> </span></span><span style=\"display:inherit;clear:left;\">55<span class=\"_ _11a\"> </span></span><span style=\"display:inherit;clear:left;\">Markedsf\u00f8ring<span class=\"_ _2b2\"> </span><span class=\"ls68 wsbf\">64<span class=\"_ _14\"> </span><span class=\"ls14 ws14\">67</span></span></span><span style=\"display:inherit;clear:left;\">1 096<span class=\"_ _dd\"> </span>1 182<span class=\"_ _11a\"> </span></span><span style=\"display:inherit;clear:left;\">L\u00f8nn og gener<span class=\"_ _1\"></span>elle adminis<span class=\"_ _1\"></span>trasjonsk<span class=\"_ _1\"></span>ostnader<span class=\"_ _23a\"> </span><span class=\"ls0 ws0\">1 381<span class=\"_ _d4\"> </span>1 292</span></span><span style=\"display:inherit;clear:left;\">208<span class=\"_ _86\"> </span></span><span style=\"display:inherit;clear:left;\">184<span class=\"_ _11a\"> </span></span><span style=\"display:inherit;clear:left;\">Av<span class=\"_ _1\"></span>skrivninger<span class=\"_ _297\"> </span><span class=\"lsf2 ws154\">192<span class=\"_ _6f\"> </span>218</span></span><span style=\"display:inherit;clear:left;\">23<span class=\"_ _12\"> </span></span><span style=\"display:inherit;clear:left;\">26<span class=\"_ _11a\"> </span></span><span style=\"display:inherit;clear:left;\">Drif<span class=\"_ _8\"></span>tskostna<span class=\"_ _1\"></span>der lokaler<span class=\"_ _2a9\"> </span><span class=\"ls125 ws1cf\">42<span class=\"_ _98\"> </span><span class=\"lsa wsa\">37</span></span></span><span style=\"display:inherit;clear:left;\">31<span class=\"_ _1a\"> </span><span class=\"ls14 ws14\">20<span class=\"_ _11a\"> </span><span class=\"lse wse\">Formueskatt<span class=\"_ _2b3\"> </span></span>20<span class=\"_ _17\"> </span></span>31</span><span style=\"display:inherit;clear:left;\">67<span class=\"_ _17\"> </span></span><span style=\"display:inherit;clear:left;\">91<span class=\"_ _b9\"> </span></span><span style=\"display:inherit;clear:left;\">\u00d8vrige driftskostnader<span class=\"_ _1a3\"> </span><span class=\"ls12 ws12\">136<span class=\"_ _6e\"> </span><span class=\"ls123 ws1cd\">108</span></span></span><span style=\"display:inherit;clear:left;\">122<span class=\"_ _6e\"> </span></span><span style=\"display:inherit;clear:left;\">1<span class=\"_ _8\"></span>37<span class=\"_ _b9\"> </span></span><span style=\"display:inherit;clear:left;\">A<span class=\"_ _8\"></span>ndre driftskostnader<span class=\"_ _1e1\"> </span><span class=\"lsf2 ws154\">199<span class=\"_ _94\"> </span><span class=\"ls92 wsee\">177</span></span></span><span style=\"display:inherit;clear:left;\">1 426<span class=\"_ _cc\"> </span></span><span style=\"display:inherit;clear:left;\">1 503<span class=\"_ _11a\"> </span></span><span style=\"display:inherit;clear:left;\">Sum driftsko<span class=\"_ _1\"></span>stnader<span class=\"_ _1ae\"> </span><span class=\"ls82 ws14b\">1 7<span class=\"_ _8\"></span>72<span class=\"_ _d4\"> </span><span class=\"ls122 ws1cc\">1 6<span class=\"_ _8\"></span>87</span></span></span><span style=\"display:inherit;clear:left;\">Gje<span class=\"_ _8\"></span>nno<span class=\"_ _8\"></span>msni<span class=\"_ _8\"></span>ttl<span class=\"_ _8\"></span>ig ant<span class=\"_ _8\"></span>all a<span class=\"_ _8\"></span>nsat<span class=\"_ _8\"></span>te m\u00e5lt i \u00e5<span class=\"_ _8\"></span>rsver<span class=\"_ _8\"></span>k i 2023 (2022) ha<span class=\"_ _8\"></span>r v\u00e6r<span class=\"_ _8\"></span>t  631 (60<span class=\"_ _8\"></span>9) for mor<span class=\"_ _8\"></span>bank o<span class=\"_ _8\"></span>g 776 (755) for kons<span class=\"_ _8\"></span>ern<span class=\"_ _8\"></span>et.</span><span style=\"display:inherit;clear:left;\">Honorar t<span class=\"_ _1\"></span>il v<span class=\"_ _1\"></span>algt re<span class=\"_ _1\"></span>visor </span><span style=\"display:inherit;clear:left;\">T<span class=\"_ _1\"></span>all i tuse<span class=\"_ _8\"></span>n kron<span class=\"_ _8\"></span>er</span><span style=\"display:inherit;clear:left;\">MORBANK<span class=\"_ _12c\"> </span><span class=\"lsc wsc\">KONSERN</span></span><span style=\"display:inherit;clear:left;\">2022<span class=\"_ _cc\"> </span>2023<span class=\"_ _16e\"> </span>2023<span class=\"_ _cc\"> </span>2022</span><span style=\"display:inherit;clear:left;\">900<span class=\"_ _cb\"> </span></span><span style=\"display:inherit;clear:left;\">1 926<span class=\"_ _11a\"> </span></span><span style=\"display:inherit;clear:left;\">Revisjonshonor<span class=\"_ _1\"></span>ar<span class=\"_ _28e\"> </span><span class=\"ls61 wsb5\">2<span class=\"_ _8\"></span> 78<span class=\"_ _8\"></span>9<span class=\"_ _87\"> </span><span class=\"ls0 ws0\">1 312</span></span></span><span style=\"display:inherit;clear:left;\">643<span class=\"_ _6b\"> </span></span><span style=\"display:inherit;clear:left;\">4<span class=\"_ _8\"></span>30<span class=\"_ _b9\"> </span></span><span style=\"display:inherit;clear:left;\">Attestasjonsoppga<span class=\"_ _1\"></span>v<span class=\"_ _1\"></span>er <span class=\"_ _2a9\"> </span><span class=\"ls108 ws16a\">78<span class=\"_ _8\"></span>1<span class=\"_ _89\"> </span><span class=\"ls0 ws0\">1 019</span></span></span><span style=\"display:inherit;clear:left;\">0<span class=\"_ _8b\"> </span>0<span class=\"_ _11a\"> </span></span><span style=\"display:inherit;clear:left;\">Skatter\u00e5<span class=\"_ _1\"></span>dgivning<span class=\"_ _2b4\"> </span><span class=\"ls0 ws0\">0<span class=\"_ _8b\"> </span>0</span></span><span style=\"display:inherit;clear:left;\">21<span class=\"_ _8b\"> </span></span><span style=\"display:inherit;clear:left;\">0<span class=\"_ _11a\"> </span></span><span style=\"display:inherit;clear:left;\">Andre tje<span class=\"_ _1\"></span>nester<span class=\"_ _2b5\"> </span><span class=\"ls0 ws0\">0<span class=\"_ _17\"> </span><span class=\"lsd wsd\">21</span></span></span><span style=\"display:inherit;clear:left;\">1 565<span class=\"_ _131\"> </span>2 356<span class=\"_ _11a\"> </span></span><span style=\"display:inherit;clear:left;\">Sum honorar<span class=\"_ _2b6\"> </span></span><span style=\"display:inherit;clear:left;\">3 570</span><span style=\"display:inherit;clear:left;\"><span class=\"_ _dc\"> </span><span class=\"ls92 wsee\">2<span class=\"_ _8\"></span> 352</span></span><span style=\"display:inherit;clear:left;\">Note 3<span class=\"_ _8\"></span>2 Sk<span class=\"_ _8\"></span>atter</span><span style=\"display:inherit;clear:left;\">Utsa<span class=\"_ _1\"></span>tt ska<span class=\"_ _2\"></span>tt og utsat<span class=\"_ _1\"></span>t ska<span class=\"_ _1\"></span>t<span class=\"_ _1\"></span>te<span class=\"_ _1\"></span>f<span class=\"_ _1\"></span>or<span class=\"_ _1\"></span>del balansef<span class=\"_ _1\"></span>\u00f8r<span class=\"_ _1\"></span>es i samsv<span class=\"_ _2\"></span>ar med IAS 12 Inntekts<span class=\"_ _1\"></span>ska<span class=\"_ _1\"></span>t<span class=\"_ _1\"></span>t.</span><span style=\"display:inherit;clear:left;\">Ska<span class=\"_ _1\"></span>tt<span class=\"_ _1\"></span>ekos<span class=\"_ _1\"></span>tnaden i r<span class=\"_ _1\"></span>esulta<span class=\"_ _1\"></span>tr<span class=\"_ _1\"></span>egnskape<span class=\"_ _1\"></span>t om<span class=\"_ _1\"></span>f<span class=\"_ _1\"></span>a<span class=\"_ _1\"></span>tt<span class=\"_ _1\"></span>er b\u00e5de periodens be<span class=\"_ _1\"></span>talbar<span class=\"_ _1\"></span>e ska<span class=\"_ _1\"></span>t<span class=\"_ _1\"></span>t og endring i utsa<span class=\"_ _1\"></span>tt ska<span class=\"_ _2\"></span>tt. Utsat<span class=\"_ _1\"></span>t ska<span class=\"_ _1\"></span>tt/utsa<span class=\"_ _2\"></span>tt ska<span class=\"_ _1\"></span>tt<span class=\"_ _1\"></span>e-</span><span style=\"display:inherit;clear:left;\">for<span class=\"_ _1\"></span>del er ber<span class=\"_ _1\"></span>egne<span class=\"_ _1\"></span>t med 25 % a<span class=\"_ _2\"></span>v netto midlertidig<span class=\"_ _1\"></span>e f<span class=\"_ _1\"></span>orskjeller som eksis<span class=\"_ _1\"></span>ter<span class=\"_ _1\"></span>er mellom r<span class=\"_ _1\"></span>egnskapsmessig<span class=\"_ _1\"></span>e og ska<span class=\"_ _1\"></span>t<span class=\"_ _1\"></span>temes<span class=\"_ _1\"></span>sige v<span class=\"_ _1\"></span>er<span class=\"_ _1\"></span>dier v<span class=\"_ _1\"></span>ed </span><span style=\"display:inherit;clear:left;\">utgangen a<span class=\"_ _2\"></span>v regnskaps\u00e5r<span class=\"_ _1\"></span>et. Ska<span class=\"_ _1\"></span>t<span class=\"_ _1\"></span>te\u00f8k<span class=\"_ _1\"></span>ende og ska<span class=\"_ _1\"></span>t<span class=\"_ _1\"></span>ter<span class=\"_ _1\"></span>eduser<span class=\"_ _1\"></span>ende midlertidige f<span class=\"_ _1\"></span>orskjeller som r<span class=\"_ _1\"></span>e<span class=\"_ _1\"></span>v<span class=\"_ _1\"></span>erser<span class=\"_ _1\"></span>er eller kan r<span class=\"_ _1\"></span>ev<span class=\"_ _1\"></span>erser<span class=\"_ _1\"></span>es i samme </span><span style=\"display:inherit;clear:left;\">periode er utlignet og ne<span class=\"_ _1\"></span>tt<span class=\"_ _1\"></span>o<span class=\"_ _1\"></span>f<span class=\"_ _1\"></span>\u00f8rt. Enkelte selskaper i k<span class=\"_ _1\"></span>onserne<span class=\"_ _1\"></span>t som ikke er om<span class=\"_ _1\"></span>f<span class=\"_ _1\"></span>a<span class=\"_ _1\"></span>tt<span class=\"_ _1\"></span>e<span class=\"_ _1\"></span>t a<span class=\"_ _1\"></span>v finansska<span class=\"_ _1\"></span>t<span class=\"_ _1\"></span>ten, ber<span class=\"_ _1\"></span>egner o<span class=\"_ _1\"></span>v<span class=\"_ _1\"></span>enst\u00e5<span class=\"_ _1\"></span>ende basert </span><span style=\"display:inherit;clear:left;\">p\u00e5 22 % a<span class=\"_ _1\"></span>v net<span class=\"_ _1\"></span>to midlertidig<span class=\"_ _1\"></span>e for<span class=\"_ _1\"></span>skjeller<span class=\"_ _0\"></span>.</span><span style=\"display:inherit;clear:left;\">Utsa<span class=\"_ _1\"></span>tt ska<span class=\"_ _2\"></span>ttef<span class=\"_ _1\"></span>or<span class=\"_ _1\"></span>del balanse<span class=\"_ _1\"></span>f<span class=\"_ _1\"></span>\u00f8r<span class=\"_ _1\"></span>es ut fra f<span class=\"_ _1\"></span>orv<span class=\"_ _1\"></span>en<span class=\"_ _1\"></span>tninger om ska<span class=\"_ _2\"></span>ttepliktig innt<span class=\"_ _1\"></span>ekt gjennom inn<span class=\"_ _1\"></span>tjening i fr<span class=\"_ _1\"></span>emtidig<span class=\"_ _1\"></span>e \u00e5r<span class=\"_ _0\"></span>.</span><span style=\"display:inherit;clear:left;\">Betalbar ska<span class=\"_ _2\"></span>tt i balansen er periodens betalbar<span class=\"_ _1\"></span>e ska<span class=\"_ _1\"></span>t<span class=\"_ _1\"></span>t knyt<span class=\"_ _1\"></span>te<span class=\"_ _1\"></span>t til \u00e5r<span class=\"_ _1\"></span>e<span class=\"_ _1\"></span>ts r<span class=\"_ _1\"></span>esulta<span class=\"_ _1\"></span>t, ska<span class=\"_ _1\"></span>tt p\u00e5 f<span class=\"_ _1\"></span>ormue, sam<span class=\"_ _1\"></span>t be<span class=\"_ _1\"></span>talbar ska<span class=\"_ _1\"></span>tt kn<span class=\"_ _1\"></span>ytt<span class=\"_ _1\"></span>e<span class=\"_ _1\"></span>t til </span><span style=\"display:inherit;clear:left;\">mot<span class=\"_ _1\"></span>ta<span class=\"_ _1\"></span>tt k<span class=\"_ _1\"></span>onsernbidr<span class=\"_ _1\"></span>ag.</span><span style=\"display:inherit;clear:left;\">MORBANK<span class=\"_ _12c\"> </span><span class=\"lsc wsc\">KONSERN</span></span><span style=\"display:inherit;clear:left;\">2022<span class=\"_ _cc\"> </span>2023<span class=\"_ _11a\"> </span><span class=\"ls7 ws7\">\u00c5rets skattekostnad<span class=\"_ _1b9\"> </span></span>2023<span class=\"_ _d4\"> </span>2022</span><span style=\"display:inherit;clear:left;\">1)</span><span style=\"display:inherit;clear:left;\">580<span class=\"_ _189\"> </span>886<span class=\"_ _b9\"> </span><span class=\"lse wse\">B<span class=\"_ _8\"></span>etalbar skatt </span></span><span style=\"display:inherit;clear:left;\">996<span class=\"_ _86\"> </span><span class=\"ls4a ws9d\">70<span class=\"_ _8\"></span>5</span></span><span style=\"display:inherit;clear:left;\">2<span class=\"_ _8b\"> </span>0<span class=\"_ _11a\"> </span></span><span style=\"display:inherit;clear:left;\">Betalt kildeskatt samt<span class=\"_ _1\"></span> korr<span class=\"_ _1\"></span>eksjon<span class=\"_ _1\"></span> av<span class=\"_ _1\"></span> tidliger<span class=\"_ _1\"></span>e \u00e5rs<span class=\"_ _1\"></span> ligning<span class=\"_ _159\"> </span><span class=\"ls0 ws0\">0<span class=\"_ _10\"> </span>3</span></span><span style=\"display:inherit;clear:left;\">-2<span class=\"_ _8\"></span>0<span class=\"_ _10\"> </span></span><span style=\"display:inherit;clear:left;\">9<span class=\"_ _11a\"> </span>Skat<span class=\"_ _8\"></span>t p\u00e5 po<span class=\"_ _8\"></span>ster over u<span class=\"_ _8\"></span>tv<span class=\"_ _8\"></span>idet re<span class=\"_ _8\"></span>sult<span class=\"_ _8\"></span>at<span class=\"_ _2b9\"> </span><span class=\"ls82 ws14b\">-39<span class=\"_ _94\"> </span><span class=\"ls120 ws1cb\">-86</span></span></span><span style=\"display:inherit;clear:left;\">-31<span class=\"_ _6e\"> </span></span><span style=\"display:inherit;clear:left;\">-1<span class=\"_ _8\"></span>7<span class=\"_ _a\"></span>1<span class=\"_ _b8\"> </span></span><span style=\"display:inherit;clear:left;\">E<span class=\"_ _8\"></span>ndr<span class=\"_ _8\"></span>ing ut<span class=\"_ _8\"></span>satt s<span class=\"_ _8\"></span>katt over re<span class=\"_ _8\"></span>sult<span class=\"_ _8\"></span>atet<span class=\"_ _147\"> </span><span class=\"ls120 ws1cb\">-8<span class=\"_ _8\"></span>4<span class=\"_ _12\"> </span><span class=\"lsd wsd\">65</span></span></span><span style=\"display:inherit;clear:left;\">532<span class=\"_ _8e\"> </span></span><span style=\"display:inherit;clear:left;\">724<span class=\"_ _11a\"> </span></span><span style=\"display:inherit;clear:left;\">\u00c5<span class=\"_ _8\"></span>rets ska<span class=\"_ _1\"></span>ttekostnad<span class=\"_ _2ba\"> </span><span class=\"ls144 ws1f3\">8<span class=\"_ _8\"></span>74<span class=\"_ _86\"> </span><span class=\"ls122 ws1cc\">687</span></span></span><span style=\"display:inherit;clear:left;\">1)</span><span style=\"display:inherit;clear:left;\"> Betalbar skatt i balansen inneholder i tillegg formuesskatt tilsvarende<span class=\"_ _1\"></span> 31,5 millioner kroner (<span class=\"_ _1\"></span>31 millioner kr<span class=\"_ _1\"></span>oner)<span class=\"_ _1\"></span>.</span><span style=\"display:inherit;clear:left;\">3 34<span class=\"_ _8\"></span>4<span class=\"_ _c7\"> </span>4 35<span class=\"_ _8\"></span>0<span class=\"_ _b9\"> </span></span><span style=\"display:inherit;clear:left;\">Re<span class=\"_ _8\"></span>sultat<span class=\"_ _1\"></span> f\u00f8r ska<span class=\"_ _1\"></span>ttekostnad<span class=\"_ _2a7\"> </span><span class=\"ls59 wsac\">4<span class=\"_ _8\"></span> 41<span class=\"_ _8\"></span>8<span class=\"_ _131\"> </span><span class=\"ls0 ws0\">3 504</span></span></span><span style=\"display:inherit;clear:left;\">25 % skatt av:</span><span style=\"display:inherit;clear:left;\">836<span class=\"_ _d4\"> </span></span><span style=\"display:inherit;clear:left;\">1 08<span class=\"_ _8\"></span>8<span class=\"_ _b9\"> </span></span><span style=\"display:inherit;clear:left;\">Re<span class=\"_ _8\"></span>gnskapsmessi<span class=\"_ _8\"></span>g r<span class=\"_ _1\"></span>esultat f<span class=\"_ _1\"></span>\u00f8r skatt<span class=\"_ _1b7\"> </span><span class=\"ls0 ws0\">1 1<span class=\"_ _8\"></span>05<span class=\"_ _86\"> </span><span class=\"ls8 ws8\">8<span class=\"_ _8\"></span>76</span></span></span><span style=\"display:inherit;clear:left;\">Andel resultat tilkn<span class=\"_ _1\"></span>yttet selskap<span class=\"_ _2bb\"> </span><span class=\"ls82 ws14b\">-54<span class=\"_ _94\"> </span><span class=\"lsf2 ws154\">-66</span></span></span><span style=\"display:inherit;clear:left;\">8<span class=\"_ _9a\"> </span>5<span class=\"_ _11a\"> </span></span><span style=\"display:inherit;clear:left;\">Kostnadsf\u00f8rt ska<span class=\"_ _1\"></span>tt p\u00e5 formue, ikk<span class=\"_ _1\"></span>e fr<span class=\"_ _1\"></span>adr<span class=\"_ _1\"></span>ag<span class=\"_ _2bc\"> </span><span class=\"ls0 ws0\">5<span class=\"_ _9a\"> </span>8</span></span><span style=\"display:inherit;clear:left;\">-1<span class=\"_ _8\"></span>4<span class=\"_ _a\"></span>5<span class=\"_ _83\"> </span></span><span style=\"display:inherit;clear:left;\">-2<span class=\"_ _8\"></span>6<span class=\"_ _a\"></span>3<span class=\"_ _b8\"> </span><span class=\"ls0 ws0\">Skatt k<span class=\"_ _8\"></span>nyt<span class=\"_ _8\"></span>tet til k<span class=\"_ _8\"></span>und<span class=\"_ _8\"></span>eutby<span class=\"_ _8\"></span>t<span class=\"_ _8\"></span>te<span class=\"_ _2bd\"> </span></span></span><span style=\"display:inherit;clear:left;\">-1<span class=\"_ _8\"></span>4<span class=\"_ _a\"></span>5<span class=\"_ _74\"> </span><span class=\"ls21 ws175\">-98</span></span><span style=\"display:inherit;clear:left;\">-1<span class=\"_ _8\"></span>5<span class=\"_ _a\"></span>5<span class=\"_ _74\"> </span></span><span style=\"display:inherit;clear:left;\">-83<span class=\"_ _11a\"> </span></span><span style=\"display:inherit;clear:left;\">Ik<span class=\"_ _8\"></span>ke<span class=\"_ _1\"></span> skattepliktig inntekt<span class=\"_ _1c9\"> </span><span class=\"ls129 ws1d3\">-1<span class=\"_ _8\"></span>1<span class=\"_ _1a\"> </span>-1<span class=\"_ _8\"></span>0</span></span><span style=\"display:inherit;clear:left;\">2<span class=\"_ _10\"> </span>2<span class=\"_ _b9\"> </span></span><span style=\"display:inherit;clear:left;\">Ikke fr<span class=\"_ _1\"></span>adragsberettigede k<span class=\"_ _1\"></span>ostnader<span class=\"_ _fc\"> </span><span class=\"ls0 ws0\">4<span class=\"_ _e9\"> </span>4</span></span><span style=\"display:inherit;clear:left;\">-1<span class=\"_ _8\"></span>5<span class=\"_ _5d\"> </span></span><span style=\"display:inherit;clear:left;\">-2<span class=\"_ _8\"></span>6<span class=\"_ _11a\"> </span></span><span style=\"display:inherit;clear:left;\">Skatt p\u00e5 h<span class=\"_ _1\"></span>ybridren<span class=\"_ _1\"></span>ter f<span class=\"_ _1\"></span>\u00f8rt direkte mo<span class=\"_ _1\"></span>t egenkapitalen<span class=\"_ _135\"> </span><span class=\"ls4a ws9d\">-2<span class=\"_ _8\"></span>6<span class=\"_ _1a\"> </span><span class=\"ls129 ws1d3\">-1<span class=\"_ _a\"></span>5</span></span></span><span style=\"display:inherit;clear:left;\">1<span class=\"_ _8b\"> </span>0<span class=\"_ _11a\"> </span></span><span style=\"display:inherit;clear:left;\">Korrek<span class=\"_ _1\"></span>sjon tidliger<span class=\"_ _1\"></span>e \u00e5r<span class=\"_ _1\"></span>s ligning<span class=\"_ _2be\"> </span><span class=\"ls0 ws0\">0<span class=\"_ _3d\"> </span>1</span></span><span style=\"display:inherit;clear:left;\">Avv<span class=\"_ _8\"></span>ikend<span class=\"_ _8\"></span>e skatte<span class=\"_ _8\"></span>sat<span class=\"_ _8\"></span>s i datte<span class=\"_ _8\"></span>rsel<span class=\"_ _8\"></span>skap<span class=\"_ _8\"></span>er (22 % vs 25 %)<span class=\"_ _105\"> </span><span class=\"ls82 ws14b\">-5<span class=\"_ _1b\"> </span><span class=\"ls129 ws1d3\">-1<span class=\"_ _8\"></span>4</span></span></span><span style=\"display:inherit;clear:left;\">532<span class=\"_ _65\"> </span></span><span style=\"display:inherit;clear:left;\">7<span class=\"_ _8\"></span>24<span class=\"_ _11a\"> </span></span><span style=\"display:inherit;clear:left;\">Skattekostna<span class=\"_ _1\"></span>d<span class=\"_ _2b4\"> </span><span class=\"ls124 ws1ce\">8<span class=\"_ _8\"></span>74<span class=\"_ _6f\"> </span><span class=\"ls9 ws9\">687</span></span></span><span style=\"display:inherit;clear:left;\">16 %<span class=\"_ _107\"> </span></span><span style=\"display:inherit;clear:left;\">17 %<span class=\"_ _11a\"> </span><span class=\"ls62 wsb6\">Effe<span class=\"_ _8\"></span>k<span class=\"_ _8\"></span>ti<span class=\"_ _8\"></span>v sk<span class=\"_ _8\"></span>at<span class=\"_ _8\"></span>te<span class=\"_ _8\"></span>sat<span class=\"_ _8\"></span>s <span class=\"_ _276\"> </span></span></span><span style=\"display:inherit;clear:left;\">20 %<span class=\"_ _cd\"> </span>20 %</span><span style=\"display:inherit;clear:left;\">2022<span class=\"_ _cc\"> </span>2023<span class=\"_ _11a\"> </span></span><span style=\"display:inherit;clear:left;\">Endring i balansef<span class=\"_ _1\"></span>\u00f8rt utsa<span class=\"_ _1\"></span>tt ska<span class=\"_ _1\"></span>tt:<span class=\"_ _274\"> </span><span class=\"ls11f ws1ca\">2023<span class=\"_ _cc\"> </span>2022</span></span><span style=\"display:inherit;clear:left;\">-2<span class=\"_ _8\"></span>8<span class=\"_ _8\"></span>3<span class=\"_ _6b\"> </span></span><span style=\"display:inherit;clear:left;\">-3<span class=\"_ _8\"></span>14<span class=\"_ _11a\"> </span></span><span style=\"display:inherit;clear:left;\">Bal<span class=\"_ _8\"></span>ans<span class=\"_ _8\"></span>ef\u00f8r<span class=\"_ _8\"></span>t uts<span class=\"_ _8\"></span>att skat<span class=\"_ _8\"></span>t (skattefo<span class=\"_ _8\"></span>rdel) 1/<span class=\"_ _8\"></span>1<span class=\"_ _255\"> </span><span class=\"ls129 ws1d3\">-1<span class=\"_ _8\"></span>7<span class=\"_ _a\"></span>3<span class=\"_ _83\"> </span></span></span><span style=\"display:inherit;clear:left;\">-2<span class=\"_ _8\"></span>3<span class=\"_ _8\"></span>9</span><span style=\"display:inherit;clear:left;\">-31<span class=\"_ _6e\"> </span></span><span style=\"display:inherit;clear:left;\">-1<span class=\"_ _8\"></span>7<span class=\"_ _a\"></span>1<span class=\"_ _b8\"> </span></span><span style=\"display:inherit;clear:left;\">Re<span class=\"_ _8\"></span>sulta<span class=\"_ _1\"></span>tf\u00f8rt i perioden<span class=\"_ _82\"> </span><span class=\"ls120 ws1cb\">-8<span class=\"_ _8\"></span>4<span class=\"_ _12\"> </span><span class=\"lsd wsd\">65</span></span></span><span style=\"display:inherit;clear:left;\">-314<span class=\"_ _dd\"> </span></span><span style=\"display:inherit;clear:left;\">-485<span class=\"_ _11a\"> </span></span><span style=\"display:inherit;clear:left;\">Balansef\u00f8rt utsa<span class=\"_ _1\"></span>tt ska<span class=\"_ _1\"></span>tt (<span class=\"_ _1\"></span>ska<span class=\"_ _1\"></span>tt<span class=\"_ _1\"></span>efor<span class=\"_ _1\"></span>del) 31<span class=\"_ _1\"></span>/12<span class=\"_ _151\"> </span><span class=\"ls13 ws13\">-25<span class=\"_ _8\"></span>6<span class=\"_ _9b\"> </span><span class=\"ls132 ws1de\">-1<span class=\"_ _8\"></span>7<span class=\"_ _8\"></span>3</span></span></span><span style=\"display:inherit;clear:left;\">Utsatt<span class=\"_ _1\"></span> ska<span class=\"_ _1\"></span>tt og<span class=\"_ _1\"></span> ska<span class=\"_ _1\"></span>ttef<span class=\"_ _1\"></span>ordel i<span class=\"_ _1\"></span> balansen v<span class=\"_ _1\"></span>edr<span class=\"_ _1\"></span>\u00f8rer<span class=\"_ _1\"></span> f\u00f8lgende<span class=\"_ _1\"></span> midlertidige f<span class=\"_ _1\"></span>orskjeller<span class=\"_ _1\"></span> </span><span style=\"display:inherit;clear:left;\">MORBANK<span class=\"_ _12c\"> </span><span class=\"lsc wsc\">KONSERN</span></span><span style=\"display:inherit;clear:left;\">3<span class=\"_ _8\"></span>1/<span class=\"_ _a\"></span>1<span class=\"_ _8\"></span>2-2<span class=\"_ _8\"></span>2<span class=\"_ _57\"> </span>3<span class=\"_ _8\"></span>1<span class=\"_ _8\"></span>/<span class=\"_ _8\"></span>1<span class=\"_ _8\"></span>2-2<span class=\"_ _8\"></span>3<span class=\"_ _b8\"> </span></span><span style=\"display:inherit;clear:left;\">Utsa<span class=\"_ _1\"></span>tt ska<span class=\"_ _1\"></span>tt<span class=\"_ _1\"></span>efor<span class=\"_ _1\"></span>del<span class=\"_ _2a0\"> </span><span class=\"ls13 ws13\">31<span class=\"_ _8\"></span>/<span class=\"_ _8\"></span>1<span class=\"_ _8\"></span>2-2<span class=\"_ _8\"></span>3<span class=\"_ _57\"> </span>3<span class=\"_ _8\"></span>1<span class=\"_ _8\"></span>/<span class=\"_ _8\"></span>1<span class=\"_ _8\"></span>2-2<span class=\"_ _8\"></span>2</span></span><span style=\"display:inherit;clear:left;\">19<span class=\"_ _17\"> </span></span><span style=\"display:inherit;clear:left;\">21<span class=\"_ _b9\"> </span></span><span style=\"display:inherit;clear:left;\">Varige<span class=\"_ _1\"></span> driftsmidler<span class=\"_ _1af\"> </span><span class=\"ls14 ws14\">20<span class=\"_ _17\"> </span><span class=\"ls9a wsf7\">18</span></span></span><span style=\"display:inherit;clear:left;\">224<span class=\"_ _86\"> </span></span><span style=\"display:inherit;clear:left;\">2<span class=\"_ _8\"></span>25<span class=\"_ _b9\"> </span></span><span style=\"display:inherit;clear:left;\">Finansielle instrumenter<span class=\"_ _2bf\"> </span><span class=\"ls8 ws8\">762<span class=\"_ _94\"> </span><span class=\"ls7 ws7\">831</span></span></span><span style=\"display:inherit;clear:left;\">9<span class=\"_ _75\"> </span><span class=\"ls14 ws14\">11<span class=\"_ _b9\"> </span><span class=\"ls5 ws5\">Pensjonsforpliktelser<span class=\"_ _158\"> </span></span>11<span class=\"_ _18\"> </span><span class=\"ls123 ws1cd\">10</span></span></span><span style=\"display:inherit;clear:left;\">160<span class=\"_ _86\"> </span></span><span style=\"display:inherit;clear:left;\">2<span class=\"_ _8\"></span>76<span class=\"_ _11a\"> </span></span><span style=\"display:inherit;clear:left;\">Annen g<span class=\"_ _8\"></span>jeld<span class=\"_ _2c0\"> </span><span class=\"lsa wsa\">14<span class=\"_ _17\"> </span></span></span><span style=\"display:inherit;clear:left;\">16</span><span style=\"display:inherit;clear:left;\">41<span class=\"_ _8\"></span>3<span class=\"_ _189\"> </span></span><span style=\"display:inherit;clear:left;\">533<span class=\"_ _b9\"> </span></span><span style=\"display:inherit;clear:left;\">Sum utsatt<span class=\"_ _1\"></span> ska<span class=\"_ _1\"></span>ttef<span class=\"_ _1\"></span>ordel<span class=\"_ _1f7\"> </span><span class=\"lsf2 ws154\">808<span class=\"_ _65\"> </span><span class=\"ls83 wsdd\">875</span></span></span><span style=\"display:inherit;clear:left;\">3<span class=\"_ _8\"></span>1/<span class=\"_ _a\"></span>1<span class=\"_ _8\"></span>2-2<span class=\"_ _8\"></span>2<span class=\"_ _57\"> </span>3<span class=\"_ _8\"></span>1<span class=\"_ _8\"></span>/<span class=\"_ _8\"></span>1<span class=\"_ _8\"></span>2-2<span class=\"_ _8\"></span>3<span class=\"_ _b8\"> </span><span class=\"ls133 ws1e0\">Uts<span class=\"_ _8\"></span>at<span class=\"_ _8\"></span>t s<span class=\"_ _8\"></span>kat<span class=\"_ _8\"></span>t<span class=\"_ _1af\"> </span></span>31<span class=\"_ _8\"></span>/<span class=\"_ _8\"></span>1<span class=\"_ _8\"></span>2-2<span class=\"_ _8\"></span>3<span class=\"_ _e0\"> </span>3<span class=\"_ _8\"></span>1<span class=\"_ _8\"></span>/<span class=\"_ _8\"></span>1<span class=\"_ _8\"></span>2-2<span class=\"_ _8\"></span>2</span><span style=\"display:inherit;clear:left;\">0<span class=\"_ _8b\"> </span>0<span class=\"_ _11a\"> </span></span><span style=\"display:inherit;clear:left;\">Gevinst<span class=\"_ _2\"></span>- og tapskonto<span class=\"_ _263\"> </span><span class=\"ls0 ws0\">0<span class=\"_ _8b\"> </span>0</span></span><span style=\"display:inherit;clear:left;\">20<span class=\"_ _12\"> </span>20<span class=\"_ _b9\"> </span><span class=\"lse wse\">Goo<span class=\"_ _8\"></span>dwill<span class=\"_ _2c1\"> </span></span>20<span class=\"_ _12\"> </span>20</span><span style=\"display:inherit;clear:left;\">79<span class=\"_ _98\"> </span></span><span style=\"display:inherit;clear:left;\">27<span class=\"_ _b9\"> </span></span><span style=\"display:inherit;clear:left;\">Finansiell<span class=\"_ _8\"></span>e instrumenter<span class=\"_ _2c2\"> </span><span class=\"ls33 ws84\">530<span class=\"_ _6e\"> </span>681</span></span><span style=\"display:inherit;clear:left;\">99<span class=\"_ _12\"> </span></span><span style=\"display:inherit;clear:left;\">47<span class=\"_ _b8\"> </span></span><span style=\"display:inherit;clear:left;\">Sum<span class=\"_ _8\"></span> ut<span class=\"_ _8\"></span>s<span class=\"_ _8\"></span>att s<span class=\"_ _8\"></span>kat<span class=\"_ _8\"></span>t<span class=\"_ _28f\"> </span><span class=\"ls9 ws9\">551<span class=\"_ _6e\"> </span><span class=\"ls136 ws1e3\">701</span></span></span><span style=\"display:inherit;clear:left;\">-314<span class=\"_ _dd\"> </span></span><span style=\"display:inherit;clear:left;\">-485<span class=\"_ _11a\"> </span></span><span style=\"display:inherit;clear:left;\">Netto utsa<span class=\"_ _1\"></span>tt s<span class=\"_ _1\"></span>katt<span class=\"_ _1\"></span> (<span class=\"_ _1\"></span>ska<span class=\"_ _1\"></span>ttef<span class=\"_ _1\"></span>ordel)<span class=\"_ _1fa\"> </span><span class=\"ls13 ws13\">-2<span class=\"_ _8\"></span>5<span class=\"_ _8\"></span>6<span class=\"_ _9b\"> </span><span class=\"ls132 ws1de\">-1<span class=\"_ _8\"></span>7<span class=\"_ _8\"></span>3</span></span></span><span style=\"display:inherit;clear:left;\">Utsatt<span class=\"_ _1\"></span> ska<span class=\"_ _1\"></span>tt i<span class=\"_ _1\"></span> resul<span class=\"_ _1\"></span>tatr<span class=\"_ _1\"></span>egnskapet<span class=\"_ _1\"></span> vedr<span class=\"_ _1\"></span>\u00f8rer<span class=\"_ _1\"></span> f\u00f8lgende<span class=\"_ _1\"></span> midlertidige f<span class=\"_ _1\"></span>orskjeller<span class=\"_ _1\"></span> </span><span style=\"display:inherit;clear:left;\">2022<span class=\"_ _cc\"> </span>2023<span class=\"_ _11a\"> </span></span><span style=\"display:inherit;clear:left;\">Resultatf<span class=\"_ _1\"></span>\u00f8rt utsatt<span class=\"_ _1\"></span> ska<span class=\"_ _1\"></span>tt<span class=\"_ _2c3\"> </span><span class=\"ls11f ws1ca\">2023<span class=\"_ _cc\"> </span>2022</span></span><span style=\"display:inherit;clear:left;\">-1<span class=\"_ _8d\"> </span></span><span style=\"display:inherit;clear:left;\">-2<span class=\"_ _b8\"> </span></span><span style=\"display:inherit;clear:left;\">V<span class=\"_ _1\"></span>arige driftsmidler<span class=\"_ _1a4\"> </span><span class=\"ls4a ws9d\">-2<span class=\"_ _8d\"> </span>-2</span></span><span style=\"display:inherit;clear:left;\">27<span class=\"_ _94\"> </span></span><span style=\"display:inherit;clear:left;\">-52<span class=\"_ _11a\"> </span></span><span style=\"display:inherit;clear:left;\">Finansie<span class=\"_ _8\"></span>lle instrumenter<span class=\"_ _171\"> </span><span class=\"ls120 ws1cb\">-82<span class=\"_ _98\"> </span><span class=\"ls21 ws175\">75</span></span></span><span style=\"display:inherit;clear:left;\">-1<span class=\"_ _8b\"> </span>-1<span class=\"_ _b8\"> </span><span class=\"ls5 ws5\">Pensjonsforpliktelser<span class=\"_ _28e\"> </span></span>-1<span class=\"_ _9a\"> </span>-1</span><span style=\"display:inherit;clear:left;\">-55<span class=\"_ _108\"> </span></span><span style=\"display:inherit;clear:left;\">-1<span class=\"_ _8\"></span>1<span class=\"_ _a\"></span>6<span class=\"_ _b8\"> </span></span><span style=\"display:inherit;clear:left;\">Annen g<span class=\"_ _8\"></span>jeld<span class=\"_ _248\"> </span><span class=\"ls0 ws0\">1<span class=\"_ _17\"> </span><span class=\"ls120 ws1cb\">-8</span></span></span><span style=\"display:inherit;clear:left;\">-31<span class=\"_ _86\"> </span></span><span style=\"display:inherit;clear:left;\">-1<span class=\"_ _8\"></span>7<span class=\"_ _a\"></span>1<span class=\"_ _b8\"> </span></span><span style=\"display:inherit;clear:left;\">Sum endring<span class=\"_ _1\"></span> utsatt<span class=\"_ _1\"></span> ska<span class=\"_ _1\"></span>tt</span><span style=\"display:inherit;clear:left;\"><span class=\"_ _2c4\"> </span><span class=\"ls92 wsee\">-84<span class=\"_ _12\"> </span></span></span><span style=\"display:inherit;clear:left;\">65</span>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfTaxReceivablesAndPayablesExplanatory",
    "language": "no",
    "entity": "scheme:213800M7T3CYVZ3ZRT12",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "s10_notes__6__75-1": {
   "value": "<span style=\"display:inherit;clear:left;\">Not<span class=\"_ _1\"></span>e 30<span class=\"_ _8\"></span> Dr<span class=\"_ _8\"></span>iftsk<span class=\"_ _1\"></span>ostnader</span><span style=\"display:inherit;clear:left;\">MORBANK<span class=\"_ _12c\"> </span><span class=\"lsc wsc\">KONSERN</span></span><span style=\"display:inherit;clear:left;\">2022<span class=\"_ _cc\"> </span>2023<span class=\"_ _16e\"> </span>2023<span class=\"_ _cc\"> </span>2022</span><span style=\"display:inherit;clear:left;\">576<span class=\"_ _86\"> </span></span><span style=\"display:inherit;clear:left;\">625<span class=\"_ _11a\"> </span></span><span style=\"display:inherit;clear:left;\">L\u00f8nnskostnader inklusive<span class=\"_ _1\"></span> arbeidsg<span class=\"_ _8\"></span>iver<span class=\"_ _1\"></span>av<span class=\"_ _1\"></span>gift<span class=\"_ _17f\"> </span><span class=\"ls0 ws0\">777<span class=\"_ _6f\"> </span><span class=\"ls137 ws1e4\">72<span class=\"_ _8\"></span>2</span></span></span><span style=\"display:inherit;clear:left;\">83<span class=\"_ _14\"> </span></span><span style=\"display:inherit;clear:left;\">78<span class=\"_ _11a\"> </span><span class=\"ls5 ws5\">Pensjonsk<span class=\"_ _1\"></span>ostnader<span class=\"_ _2af\"> </span>90<span class=\"_ _72\"> </span><span class=\"ls11 ws11\">94</span></span></span><span style=\"display:inherit;clear:left;\">47<span class=\"_ _72\"> </span></span><span style=\"display:inherit;clear:left;\">40<span class=\"_ _11a\"> </span></span><span style=\"display:inherit;clear:left;\">Andre personalr<span class=\"_ _1\"></span>ela<span class=\"_ _1\"></span>terte kos<span class=\"_ _1\"></span>tnader<span class=\"_ _fa\"> </span><span class=\"ls126 ws1d0\">52<span class=\"_ _12\"> </span><span class=\"ls14 ws14\">59</span></span></span><span style=\"display:inherit;clear:left;\">78<span class=\"_ _14\"> </span></span><span style=\"display:inherit;clear:left;\">79<span class=\"_ _11a\"> </span></span><span style=\"display:inherit;clear:left;\">Eksterne honor<span class=\"_ _1\"></span>ar<span class=\"_ _2b0\"> </span><span class=\"lsa wsa\">82<span class=\"_ _14\"> </span>82</span></span><span style=\"display:inherit;clear:left;\">255<span class=\"_ _107\"> </span></span><span style=\"display:inherit;clear:left;\">30<span class=\"_ _8\"></span>4<span class=\"_ _b9\"> </span></span><span style=\"display:inherit;clear:left;\">IKT<span class=\"_ _2\"></span>-kostnader<span class=\"_ _2b1\"> </span><span class=\"ls123 ws1cd\">316<span class=\"_ _86\"> </span><span class=\"ls122 ws1cc\">267</span></span></span><span style=\"display:inherit;clear:left;\">57<span class=\"_ _12\"> </span></span><span style=\"display:inherit;clear:left;\">55<span class=\"_ _11a\"> </span></span><span style=\"display:inherit;clear:left;\">Markedsf\u00f8ring<span class=\"_ _2b2\"> </span><span class=\"ls68 wsbf\">64<span class=\"_ _14\"> </span><span class=\"ls14 ws14\">67</span></span></span><span style=\"display:inherit;clear:left;\">1 096<span class=\"_ _dd\"> </span>1 182<span class=\"_ _11a\"> </span></span><span style=\"display:inherit;clear:left;\">L\u00f8nn og gener<span class=\"_ _1\"></span>elle adminis<span class=\"_ _1\"></span>trasjonsk<span class=\"_ _1\"></span>ostnader<span class=\"_ _23a\"> </span><span class=\"ls0 ws0\">1 381<span class=\"_ _d4\"> </span>1 292</span></span><span style=\"display:inherit;clear:left;\">208<span class=\"_ _86\"> </span></span><span style=\"display:inherit;clear:left;\">184<span class=\"_ _11a\"> </span></span><span style=\"display:inherit;clear:left;\">Av<span class=\"_ _1\"></span>skrivninger<span class=\"_ _297\"> </span><span class=\"lsf2 ws154\">192<span class=\"_ _6f\"> </span>218</span></span><span style=\"display:inherit;clear:left;\">23<span class=\"_ _12\"> </span></span><span style=\"display:inherit;clear:left;\">26<span class=\"_ _11a\"> </span></span><span style=\"display:inherit;clear:left;\">Drif<span class=\"_ _8\"></span>tskostna<span class=\"_ _1\"></span>der lokaler<span class=\"_ _2a9\"> </span><span class=\"ls125 ws1cf\">42<span class=\"_ _98\"> </span><span class=\"lsa wsa\">37</span></span></span><span style=\"display:inherit;clear:left;\">31<span class=\"_ _1a\"> </span><span class=\"ls14 ws14\">20<span class=\"_ _11a\"> </span><span class=\"lse wse\">Formueskatt<span class=\"_ _2b3\"> </span></span>20<span class=\"_ _17\"> </span></span>31</span><span style=\"display:inherit;clear:left;\">67<span class=\"_ _17\"> </span></span><span style=\"display:inherit;clear:left;\">91<span class=\"_ _b9\"> </span></span><span style=\"display:inherit;clear:left;\">\u00d8vrige driftskostnader<span class=\"_ _1a3\"> </span><span class=\"ls12 ws12\">136<span class=\"_ _6e\"> </span><span class=\"ls123 ws1cd\">108</span></span></span><span style=\"display:inherit;clear:left;\">122<span class=\"_ _6e\"> </span></span><span style=\"display:inherit;clear:left;\">1<span class=\"_ _8\"></span>37<span class=\"_ _b9\"> </span></span><span style=\"display:inherit;clear:left;\">A<span class=\"_ _8\"></span>ndre driftskostnader<span class=\"_ _1e1\"> </span><span class=\"lsf2 ws154\">199<span class=\"_ _94\"> </span><span class=\"ls92 wsee\">177</span></span></span><span style=\"display:inherit;clear:left;\">1 426<span class=\"_ _cc\"> </span></span><span style=\"display:inherit;clear:left;\">1 503<span class=\"_ _11a\"> </span></span><span style=\"display:inherit;clear:left;\">Sum driftsko<span class=\"_ _1\"></span>stnader<span class=\"_ _1ae\"> </span><span class=\"ls82 ws14b\">1 7<span class=\"_ _8\"></span>72<span class=\"_ _d4\"> </span><span class=\"ls122 ws1cc\">1 6<span class=\"_ _8\"></span>87</span></span></span><span style=\"display:inherit;clear:left;\">Gje<span class=\"_ _8\"></span>nno<span class=\"_ _8\"></span>msni<span class=\"_ _8\"></span>ttl<span class=\"_ _8\"></span>ig ant<span class=\"_ _8\"></span>all a<span class=\"_ _8\"></span>nsat<span class=\"_ _8\"></span>te m\u00e5lt i \u00e5<span class=\"_ _8\"></span>rsver<span class=\"_ _8\"></span>k i 2023 (2022) ha<span class=\"_ _8\"></span>r v\u00e6r<span class=\"_ _8\"></span>t  631 (60<span class=\"_ _8\"></span>9) for mor<span class=\"_ _8\"></span>bank o<span class=\"_ _8\"></span>g 776 (755) for kons<span class=\"_ _8\"></span>ern<span class=\"_ _8\"></span>et.</span><span style=\"display:inherit;clear:left;\">Honorar t<span class=\"_ _1\"></span>il v<span class=\"_ _1\"></span>algt re<span class=\"_ _1\"></span>visor </span><span style=\"display:inherit;clear:left;\">T<span class=\"_ _1\"></span>all i tuse<span class=\"_ _8\"></span>n kron<span class=\"_ _8\"></span>er</span><span style=\"display:inherit;clear:left;\">MORBANK<span class=\"_ _12c\"> </span><span class=\"lsc wsc\">KONSERN</span></span><span style=\"display:inherit;clear:left;\">2022<span class=\"_ _cc\"> </span>2023<span class=\"_ _16e\"> </span>2023<span class=\"_ _cc\"> </span>2022</span><span style=\"display:inherit;clear:left;\">900<span class=\"_ _cb\"> </span></span><span style=\"display:inherit;clear:left;\">1 926<span class=\"_ _11a\"> </span></span><span style=\"display:inherit;clear:left;\">Revisjonshonor<span class=\"_ _1\"></span>ar<span class=\"_ _28e\"> </span><span class=\"ls61 wsb5\">2<span class=\"_ _8\"></span> 78<span class=\"_ _8\"></span>9<span class=\"_ _87\"> </span><span class=\"ls0 ws0\">1 312</span></span></span><span style=\"display:inherit;clear:left;\">643<span class=\"_ _6b\"> </span></span><span style=\"display:inherit;clear:left;\">4<span class=\"_ _8\"></span>30<span class=\"_ _b9\"> </span></span><span style=\"display:inherit;clear:left;\">Attestasjonsoppga<span class=\"_ _1\"></span>v<span class=\"_ _1\"></span>er <span class=\"_ _2a9\"> </span><span class=\"ls108 ws16a\">78<span class=\"_ _8\"></span>1<span class=\"_ _89\"> </span><span class=\"ls0 ws0\">1 019</span></span></span><span style=\"display:inherit;clear:left;\">0<span class=\"_ _8b\"> </span>0<span class=\"_ _11a\"> </span></span><span style=\"display:inherit;clear:left;\">Skatter\u00e5<span class=\"_ _1\"></span>dgivning<span class=\"_ _2b4\"> </span><span class=\"ls0 ws0\">0<span class=\"_ _8b\"> </span>0</span></span><span style=\"display:inherit;clear:left;\">21<span class=\"_ _8b\"> </span></span><span style=\"display:inherit;clear:left;\">0<span class=\"_ _11a\"> </span></span><span style=\"display:inherit;clear:left;\">Andre tje<span class=\"_ _1\"></span>nester<span class=\"_ _2b5\"> </span><span class=\"ls0 ws0\">0<span class=\"_ _17\"> </span><span class=\"lsd wsd\">21</span></span></span><span style=\"display:inherit;clear:left;\">1 565<span class=\"_ _131\"> </span>2 356<span class=\"_ _11a\"> </span></span><span style=\"display:inherit;clear:left;\">Sum honorar<span class=\"_ _2b6\"> </span></span><span style=\"display:inherit;clear:left;\">3 570</span><span style=\"display:inherit;clear:left;\"><span class=\"_ _dc\"> </span><span class=\"ls92 wsee\">2<span class=\"_ _8\"></span> 352</span></span><span style=\"display:inherit;clear:left;\">Note 3<span class=\"_ _8\"></span>1 Pensjoner</span><span style=\"display:inherit;clear:left;\">Konsernet<span class=\"_ _1\"></span> Sparebank<span class=\"_ _1\"></span>en V<span class=\"_ _2\"></span>est er pliktig til \u00e5 ha<span class=\"_ _1\"></span> tjenestepensjonsordning<span class=\"_ _1\"></span> etter lo<span class=\"_ _1\"></span>v om<span class=\"_ _1\"></span> obligatoris<span class=\"_ _1\"></span>k tjenestepensjon, og<span class=\"_ _1\"></span> konserne<span class=\"_ _1\"></span>ts </span><span style=\"display:inherit;clear:left;\">pensjonsordning<span class=\"_ _1\"></span> oppfyller kra<span class=\"_ _1\"></span>v<span class=\"_ _1\"></span>ene etter<span class=\"_ _1\"></span> denne lo<span class=\"_ _1\"></span>v<span class=\"_ _1\"></span>.<span class=\"_ _1\"></span> Pensjonsord<span class=\"_ _1\"></span>ningen om<span class=\"_ _1\"></span>fa<span class=\"_ _1\"></span>tter: </span><span style=\"display:inherit;clear:left;\">1. En innskuddspensjonsordning for<span class=\"_ _1\"></span> samtlige ansatte<span class=\"_ _1\"></span> i k<span class=\"_ _1\"></span>onsernet.</span><span style=\"display:inherit;clear:left;\">2.  <span class=\"_ _b3\"></span>En komp<span class=\"_ _8\"></span>ens<span class=\"_ _8\"></span>asj<span class=\"_ _8\"></span>ons<span class=\"_ _8\"></span>ordni<span class=\"_ _8\"></span>ng for 19<span class=\"_ _8\"></span>0 ans<span class=\"_ _8\"></span>atte (mor<span class=\"_ _8\"></span>ban<span class=\"_ _8\"></span>k 173)<span class=\"_ _1\"></span>. I till<span class=\"_ _8\"></span>eg<span class=\"_ _8\"></span>g t<span class=\"_ _8\"></span>il ordi<span class=\"_ _8\"></span>n\u00e6r in<span class=\"_ _8\"></span>nsku<span class=\"_ _8\"></span>dds<span class=\"_ _8\"></span>pen<span class=\"_ _8\"></span>sjo<span class=\"_ _8\"></span>n har kons<span class=\"_ _8\"></span>ern<span class=\"_ _8\"></span>et eta<span class=\"_ _8\"></span>ble<span class=\"_ _8\"></span>rt e<span class=\"_ _8\"></span>n </span><span style=\"display:inherit;clear:left;\">kompensasjonsordning for ansa<span class=\"_ _1\"></span>tte som tidliger<span class=\"_ _1\"></span>e hadde ytelsesbaser<span class=\"_ _8\"></span>t pensjonsordning. Ordningen<span class=\"_ _1\"></span> er innskuddsbaser<span class=\"_ _8\"></span>t. \u00c5rlig </span><span style=\"display:inherit;clear:left;\">avtalt tilskudd<span class=\"_ _1\"></span> ov<span class=\"_ _1\"></span>erf\u00f8res til<span class=\"_ _1\"></span> ver<span class=\"_ _1\"></span>dipapirfond med pan<span class=\"_ _1\"></span>tesikring. Tilskuddene til<span class=\"_ _1\"></span> ver<span class=\"_ _1\"></span>dipapirfondene er en<span class=\"_ _1\"></span> pantsatt<span class=\"_ _1\"></span> eiendel for<span class=\"_ _1\"></span> </span><span style=\"display:inherit;clear:left;\">selskapet, samt<span class=\"_ _1\"></span> en tilsv<span class=\"_ _1\"></span>arende<span class=\"_ _1\"></span> brutto pensjonsf<span class=\"_ _1\"></span>orpliktelse til de<span class=\"_ _1\"></span> ansatte.<span class=\"_ _1\"></span> A<span class=\"_ _1\"></span>v sum<span class=\"_ _1\"></span> tilskudd og v<span class=\"_ _1\"></span>erdiutvikling<span class=\"_ _1\"></span> til v<span class=\"_ _1\"></span>erdipapirfondene </span><span style=\"display:inherit;clear:left;\">be<span class=\"_ _8\"></span>regn<span class=\"_ _8\"></span>es de<span class=\"_ _8\"></span>t og avset<span class=\"_ _8\"></span>tes for a<span class=\"_ _8\"></span>rbe<span class=\"_ _8\"></span>ids<span class=\"_ _8\"></span>gi<span class=\"_ _8\"></span>veravgif<span class=\"_ _8\"></span>t og f<span class=\"_ _8\"></span>ina<span class=\"_ _8\"></span>nssk<span class=\"_ _8\"></span>att. N<span class=\"_ _8\"></span>etto p<span class=\"_ _8\"></span>ens<span class=\"_ _8\"></span>jon<span class=\"_ _8\"></span>sforp<span class=\"_ _8\"></span>lik<span class=\"_ _8\"></span>tel<span class=\"_ _8\"></span>se kny<span class=\"_ _8\"></span>ttet t<span class=\"_ _8\"></span>il det<span class=\"_ _8\"></span>te pu<span class=\"_ _8\"></span>nk<span class=\"_ _8\"></span>t tils<span class=\"_ _8\"></span>varer </span><span style=\"display:inherit;clear:left;\">dermed a<span class=\"_ _1\"></span>vsatt a<span class=\"_ _1\"></span>v<span class=\"_ _1\"></span>gift. Midlene utbetales medlemmene ved<span class=\"_ _1\"></span> pensjonering, fr<span class=\"_ _1\"></span>atr<span class=\"_ _1\"></span>edelse, arbeidsuf<span class=\"_ _1\"></span>\u00f8rhet eller<span class=\"_ _1\"></span> d\u00f8d.   </span><span style=\"display:inherit;clear:left;\">3.  <span class=\"_ _b3\"></span>En top<span class=\"_ _8\"></span>ple<span class=\"_ _8\"></span>dero<span class=\"_ _8\"></span>rdnin<span class=\"_ _8\"></span>g som o<span class=\"_ _8\"></span>mfatter 9 a<span class=\"_ _8\"></span>nsat<span class=\"_ _8\"></span>te som g<span class=\"_ _8\"></span>ir a<span class=\"_ _8\"></span>nle<span class=\"_ _8\"></span>dnin<span class=\"_ _8\"></span>g for pe<span class=\"_ _8\"></span>nsjo<span class=\"_ _8\"></span>nsa<span class=\"_ _8\"></span>lde<span class=\"_ _8\"></span>r ved fy<span class=\"_ _8\"></span>lte 65 \u00e5<span class=\"_ _8\"></span>r<span class=\"_ _2\"></span>. Ad<span class=\"_ _8\"></span>mini<span class=\"_ _8\"></span>strere<span class=\"_ _8\"></span>nde d<span class=\"_ _8\"></span>irek<span class=\"_ _8\"></span>t\u00f8r ha<span class=\"_ _8\"></span>r </span><span style=\"display:inherit;clear:left;\">rett t<span class=\"_ _8\"></span>il, o<span class=\"_ _8\"></span>g ders<span class=\"_ _8\"></span>om st<span class=\"_ _8\"></span>yret \u00f8n<span class=\"_ _8\"></span>sker det<span class=\"_ _8\"></span>, pli<span class=\"_ _8\"></span>kt t<span class=\"_ _8\"></span>il \u00e5 fratre me<span class=\"_ _8\"></span>d f\u00f8r<span class=\"_ _8\"></span>tid<span class=\"_ _8\"></span>spe<span class=\"_ _8\"></span>nsjo<span class=\"_ _8\"></span>n fra fy<span class=\"_ _8\"></span>lte 62 \u00e5r<span class=\"_ _1\"></span>. Innsk<span class=\"_ _8\"></span>udd<span class=\"_ _8\"></span>spe<span class=\"_ _8\"></span>nsjo<span class=\"_ _8\"></span>n st\u00f8r<span class=\"_ _8\"></span>re enn 12 G i </span><span style=\"display:inherit;clear:left;\">topplederor<span class=\"_ _1\"></span>dninge<span class=\"_ _1\"></span>n inng\u00e5r<span class=\"_ _1\"></span> i samme or<span class=\"_ _1\"></span>dning<span class=\"_ _1\"></span> som punkt 2. <span class=\"_ _2\"></span> </span><span style=\"display:inherit;clear:left;\">4.  <span class=\"_ _4\"></span>I t<span class=\"_ _8\"></span>ill<span class=\"_ _8\"></span>eg<span class=\"_ _8\"></span>g ti<span class=\"_ _8\"></span>l ovenst<span class=\"_ _8\"></span>\u00e5end<span class=\"_ _8\"></span>e ordni<span class=\"_ _8\"></span>nger b<span class=\"_ _8\"></span>eta<span class=\"_ _8\"></span>ler s<span class=\"_ _8\"></span>elsk<span class=\"_ _8\"></span>ape<span class=\"_ _8\"></span>t premi<span class=\"_ _8\"></span>e til Fell<span class=\"_ _8\"></span>eso<span class=\"_ _8\"></span>rdnin<span class=\"_ _8\"></span>gen for A<span class=\"_ _8\"></span>FP<span class=\"_ _2\"></span>. Det<span class=\"_ _8\"></span>te er en y<span class=\"_ _8\"></span>te<span class=\"_ _8\"></span>lse<span class=\"_ _8\"></span>sba<span class=\"_ _8\"></span>ser<span class=\"_ _8\"></span>t fl<span class=\"_ _8\"></span>er<span class=\"_ _8\"></span>foreta<span class=\"_ _8\"></span>ks </span><span style=\"display:inherit;clear:left;\">pensjonsordning, og finansieres g<span class=\"_ _8\"></span>jennom premier som f<span class=\"_ _1\"></span>astsettes som en prosent a<span class=\"_ _1\"></span>v<span class=\"_ _1\"></span> l\u00f8nn. Regnskapsme<span class=\"_ _8\"></span>ssig blir ordningen<span class=\"_ _1\"></span> </span><span style=\"display:inherit;clear:left;\">behandlet som en innskuddsbasert pensjo<span class=\"_ _8\"></span>nsordning h<span class=\"_ _1\"></span>vor pr<span class=\"_ _1\"></span>emiebetalinger kostnadsf<span class=\"_ _1\"></span>\u00f8res l\u00f8pende.</span><span style=\"display:inherit;clear:left;\">Etter frare<span class=\"_ _8\"></span>gni<span class=\"_ _8\"></span>ng av yte<span class=\"_ _8\"></span>lse<span class=\"_ _8\"></span>sord<span class=\"_ _8\"></span>ning<span class=\"_ _8\"></span>en er res<span class=\"_ _8\"></span>tbe<span class=\"_ _8\"></span>hol<span class=\"_ _8\"></span>dni<span class=\"_ _8\"></span>ngen \u00e5 an<span class=\"_ _8\"></span>se so<span class=\"_ _8\"></span>m uves<span class=\"_ _8\"></span>entl<span class=\"_ _8\"></span>ig og u<span class=\"_ _8\"></span>tg<span class=\"_ _a\"></span>j\u00f8r u<span class=\"_ _8\"></span>telu<span class=\"_ _8\"></span>kkend<span class=\"_ _8\"></span>e f\u00f8r<span class=\"_ _8\"></span>tid<span class=\"_ _8\"></span>spe<span class=\"_ _8\"></span>nsjo<span class=\"_ _8\"></span>n til </span><span style=\"display:inherit;clear:left;\">toppledelsen. Det er<span class=\"_ _1\"></span> derfor g<span class=\"_ _8\"></span>jort en del f<span class=\"_ _1\"></span>orenkling<span class=\"_ _1\"></span>er i<span class=\"_ _1\"></span> nedenfors<span class=\"_ _1\"></span>t\u00e5ende not<span class=\"_ _1\"></span>everk.<span class=\"_ _1\"></span> Oversikt o<span class=\"_ _1\"></span>ver \u00f8k<span class=\"_ _1\"></span>onomisk<span class=\"_ _1\"></span>e par<span class=\"_ _1\"></span>ameter<span class=\"_ _1\"></span>e ved<span class=\"_ _1\"></span> </span><span style=\"display:inherit;clear:left;\">beregning, dekomponering<span class=\"_ _1\"></span> av<span class=\"_ _1\"></span> pensjonsk<span class=\"_ _1\"></span>ostnaden, a<span class=\"_ _1\"></span>vst<span class=\"_ _1\"></span>emming a<span class=\"_ _1\"></span>v pens<span class=\"_ _1\"></span>jonsforpliktelser og<span class=\"_ _1\"></span> pensjonsmidler fr<span class=\"_ _1\"></span>a inng\u00e5<span class=\"_ _1\"></span>ende balanse<span class=\"_ _1\"></span> </span><span style=\"display:inherit;clear:left;\"><span><span style=\"display:inherit;clear:left;\">til utg\u00e5ende balan<span class=\"_ _1\"></span>se, aktivaallokering<span class=\"_ _1\"></span> a<span class=\"_ _1\"></span>v pensjonsmidler<span class=\"_ _1\"></span> samt sensitivi<span class=\"_ _1\"></span>tetsberegning<span class=\"_ _1\"></span>er er ta<span class=\"_ _1\"></span>tt ut</span></span>.</span><span style=\"display:inherit;clear:left;\">Pens<span class=\"_ _8\"></span>jons<span class=\"_ _8\"></span>forp<span class=\"_ _8\"></span>lik<span class=\"_ _8\"></span>tels<span class=\"_ _8\"></span>er b<span class=\"_ _8\"></span>ereg<span class=\"_ _8\"></span>nes i s<span class=\"_ _8\"></span>ams<span class=\"_ _8\"></span>var me<span class=\"_ _8\"></span>d IAS 19. \u00c5<span class=\"_ _8\"></span>rets pe<span class=\"_ _8\"></span>nsjo<span class=\"_ _8\"></span>nskos<span class=\"_ _8\"></span>tnad f\u00f8<span class=\"_ _8\"></span>res net<span class=\"_ _8\"></span>to i res<span class=\"_ _8\"></span>ultat<span class=\"_ _8\"></span>regn<span class=\"_ _8\"></span>skap<span class=\"_ _8\"></span>et und<span class=\"_ _8\"></span>er p<span class=\"_ _8\"></span>oste<span class=\"_ _8\"></span>n \u00abL\u00f8nn </span><span style=\"display:inherit;clear:left;\">og generelle<span class=\"_ _1\"></span> administrasjonsk<span class=\"_ _1\"></span>ostnader\u00bb. </span><span style=\"display:inherit;clear:left;\">MORBANK<span class=\"_ _f0\"> </span></span><span style=\"display:inherit;clear:left;\">K<span class=\"_ _1\"></span>ONSERN</span><span style=\"display:inherit;clear:left;\">Pensjonskostnader<span class=\"_ _26c\"> </span></span><span style=\"display:inherit;clear:left;\">202<span class=\"_ _8\"></span>2<span class=\"_ _5d\"> </span><span class=\"ls11f ws1ca\">2023<span class=\"_ _3e\"> </span>202<span class=\"_ _8\"></span>2<span class=\"_ _74\"> </span>2023</span></span><span style=\"display:inherit;clear:left;\">Ordin\u00e6r pensjonskostnad<span class=\"_ _1\"></span> ytelses<span class=\"_ _8\"></span>ordningen<span class=\"_ _250\"> </span><span class=\"ls0 ws0\">3<span class=\"_ _63\"> </span>3<span class=\"_ _c8\"> </span>3<span class=\"_ _63\"> </span>3</span></span><span style=\"display:inherit;clear:left;\">Pensjonsk<span class=\"_ _1\"></span>os<span class=\"_ _1\"></span>tnad knyt<span class=\"_ _1\"></span>te<span class=\"_ _1\"></span>t til k<span class=\"_ _1\"></span>ompensasjonsor<span class=\"_ _1\"></span>dningen<span class=\"_ _13a\"> </span>16<span class=\"_ _9c\"> </span>18<span class=\"_ _23f\"> </span>17<span class=\"_ _118\"> </span>19</span><span style=\"display:inherit;clear:left;\">Pensjonsk<span class=\"_ _1\"></span>os<span class=\"_ _1\"></span>tnad knyt<span class=\"_ _1\"></span>te<span class=\"_ _1\"></span>t til innskuddsor<span class=\"_ _1\"></span>dning<span class=\"_ _1\"></span>en<span class=\"_ _21c\"> </span></span><span style=\"display:inherit;clear:left;\">53<span class=\"_ _9d\"> </span></span><span style=\"display:inherit;clear:left;\">47<span class=\"_ _6a\"> </span><span class=\"ls10 ws10\">61<span class=\"_ _226\"> </span><span class=\"ls9 ws9\">55</span></span></span><span style=\"display:inherit;clear:left;\">Pensjonsk<span class=\"_ _1\"></span>os<span class=\"_ _1\"></span>tnad knyt<span class=\"_ _1\"></span>te<span class=\"_ _1\"></span>t til a<span class=\"_ _1\"></span>vtale<span class=\"_ _1\"></span>f<span class=\"_ _1\"></span>est<span class=\"_ _1\"></span>e<span class=\"_ _1\"></span>t AFP<span class=\"_ _2b7\"> </span>11<span class=\"_ _99\"> </span>11<span class=\"_ _84\"> </span>13<span class=\"_ _118\"> </span>13</span><span style=\"display:inherit;clear:left;\">Sum pensjonskos<span class=\"_ _1\"></span>tnader<span class=\"_ _2b8\"> </span></span><span style=\"display:inherit;clear:left;\">83<span class=\"_ _9d\"> </span></span><span style=\"display:inherit;clear:left;\">78<span class=\"_ _20d\"> </span><span class=\"ls13b ws1e8\">94<span class=\"_ _68\"> </span></span></span><span style=\"display:inherit;clear:left;\">90</span><span style=\"display:inherit;clear:left;\">Estima<span class=\"_ _1\"></span>ta<span class=\"_ _1\"></span>vvik pensjoner f<span class=\"_ _1\"></span>\u00f8rt o<span class=\"_ _1\"></span>v<span class=\"_ _1\"></span>er utvidet r<span class=\"_ _1\"></span>esulta<span class=\"_ _1\"></span>tr<span class=\"_ _1\"></span>egnskap<span class=\"_ _23\"> </span><span class=\"ls120 ws1cb\">-4<span class=\"_ _13\"> </span></span>0<span class=\"_ _a0\"> </span><span class=\"ls120 ws1cb\">-4<span class=\"_ _13\"> </span></span>0</span><span style=\"display:inherit;clear:left;\">MORBANK<span class=\"_ _f0\"> </span></span><span style=\"display:inherit;clear:left;\">K<span class=\"_ _1\"></span>ONSERN</span><span style=\"display:inherit;clear:left;\">Pensjonsf<span class=\"_ _1\"></span>orpliktelse<span class=\"_ _2b8\"> </span></span><span style=\"display:inherit;clear:left;\">2022<span class=\"_ _5d\"> </span><span class=\"ls11f ws1ca\">2023<span class=\"_ _75\"> </span>2022<span class=\"_ _74\"> </span>2023</span></span><span style=\"display:inherit;clear:left;\">Brutto pensjonsf<span class=\"_ _1\"></span>orpliktelse ytelsesbasert pensjon<span class=\"_ _1cb\"> </span><span class=\"ls0 ws0\">19<span class=\"_ _9c\"> </span>21<span class=\"_ _84\"> </span>19<span class=\"_ _9c\"> </span><span class=\"lsd wsd\">21</span></span></span><span style=\"display:inherit;clear:left;\">Pensjonsmidler kn<span class=\"_ _1\"></span>yt<span class=\"_ _1\"></span>te<span class=\"_ _1\"></span>t til ytelsesbasert pensjon<span class=\"_ _217\"> </span>0<span class=\"_ _13\"> </span>0<span class=\"_ _43\"> </span>0<span class=\"_ _13\"> </span>0</span><span style=\"display:inherit;clear:left;\">Net<span class=\"_ _1\"></span>to pensjons<span class=\"_ _1\"></span>f<span class=\"_ _1\"></span>orpliktelse yt<span class=\"_ _1\"></span>elsesbasert pensjon<span class=\"_ _13e\"> </span>19<span class=\"_ _118\"> </span>21<span class=\"_ _84\"> </span>19<span class=\"_ _118\"> </span>21</span><span style=\"display:inherit;clear:left;\">Balansef<span class=\"_ _1\"></span>\u00f8rt pensjon knyt<span class=\"_ _1\"></span>te<span class=\"_ _1\"></span>t til k<span class=\"_ _1\"></span>ompensasjonsor<span class=\"_ _1\"></span>dningen<span class=\"_ _26\"> </span>110<span class=\"_ _92\"> </span></span><span style=\"display:inherit;clear:left;\">133<span class=\"_ _25\"> </span><span class=\"ls125 ws1cf\">1<span class=\"_ _8\"></span>20<span class=\"_ _9a\"> </span><span class=\"ls133 ws1e0\">146</span></span></span><span style=\"display:inherit;clear:left;\">Sum pensjonsf<span class=\"_ _1\"></span>orplikt<span class=\"_ _1\"></span>else som fr<span class=\"_ _1\"></span>emk<span class=\"_ _1\"></span>ommer a<span class=\"_ _1\"></span>v balansen<span class=\"_ _8f\"> </span></span><span style=\"display:inherit;clear:left;\">129<span class=\"_ _10\"> </span></span><span style=\"display:inherit;clear:left;\">155<span class=\"_ _df\"> </span><span class=\"ls8 ws8\">1<span class=\"_ _8\"></span>39<span class=\"_ _92\"> </span><span class=\"ls109 ws16b\">167</span></span></span><span style=\"display:inherit;clear:left;\">Balansef<span class=\"_ _1\"></span>\u00f8rt<span class=\"_ _1\"></span>e pensjonsmidler (v<span class=\"_ _1\"></span>er<span class=\"_ _1\"></span>dipapirfond me<span class=\"_ _1\"></span>d sikring) <span class=\"_ _4b\"> </span><span class=\"ls12c ws1d6\">92<span class=\"_ _3d\"> </span></span>112<span class=\"_ _97\"> </span>100<span class=\"_ _10\"> </span><span class=\"ls133 ws1e0\">123</span></span>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfEmployeeBenefitsExplanatory",
    "language": "no",
    "entity": "scheme:213800M7T3CYVZ3ZRT12",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "s10_notes__6__74": {
   "value": "<span style=\"display:inherit;clear:left;\">Not<span class=\"_ _1\"></span>e 30<span class=\"_ _8\"></span> Dr<span class=\"_ _8\"></span>iftsk<span class=\"_ _1\"></span>ostnader</span><span style=\"display:inherit;clear:left;\">MORBANK<span class=\"_ _12c\"> </span><span class=\"lsc wsc\">KONSERN</span></span><span style=\"display:inherit;clear:left;\">2022<span class=\"_ _cc\"> </span>2023<span class=\"_ _16e\"> </span>2023<span class=\"_ _cc\"> </span>2022</span><span style=\"display:inherit;clear:left;\">576<span class=\"_ _86\"> </span></span><span style=\"display:inherit;clear:left;\">625<span class=\"_ _11a\"> </span></span><span style=\"display:inherit;clear:left;\">L\u00f8nnskostnader inklusive<span class=\"_ _1\"></span> arbeidsg<span class=\"_ _8\"></span>iver<span class=\"_ _1\"></span>av<span class=\"_ _1\"></span>gift<span class=\"_ _17f\"> </span><span class=\"ls0 ws0\">777<span class=\"_ _6f\"> </span><span class=\"ls137 ws1e4\">72<span class=\"_ _8\"></span>2</span></span></span><span style=\"display:inherit;clear:left;\">83<span class=\"_ _14\"> </span></span><span style=\"display:inherit;clear:left;\">78<span class=\"_ _11a\"> </span><span class=\"ls5 ws5\">Pensjonsk<span class=\"_ _1\"></span>ostnader<span class=\"_ _2af\"> </span>90<span class=\"_ _72\"> </span><span class=\"ls11 ws11\">94</span></span></span><span style=\"display:inherit;clear:left;\">47<span class=\"_ _72\"> </span></span><span style=\"display:inherit;clear:left;\">40<span class=\"_ _11a\"> </span></span><span style=\"display:inherit;clear:left;\">Andre personalr<span class=\"_ _1\"></span>ela<span class=\"_ _1\"></span>terte kos<span class=\"_ _1\"></span>tnader<span class=\"_ _fa\"> </span><span class=\"ls126 ws1d0\">52<span class=\"_ _12\"> </span><span class=\"ls14 ws14\">59</span></span></span><span style=\"display:inherit;clear:left;\">78<span class=\"_ _14\"> </span></span><span style=\"display:inherit;clear:left;\">79<span class=\"_ _11a\"> </span></span><span style=\"display:inherit;clear:left;\">Eksterne honor<span class=\"_ _1\"></span>ar<span class=\"_ _2b0\"> </span><span class=\"lsa wsa\">82<span class=\"_ _14\"> </span>82</span></span><span style=\"display:inherit;clear:left;\">255<span class=\"_ _107\"> </span></span><span style=\"display:inherit;clear:left;\">30<span class=\"_ _8\"></span>4<span class=\"_ _b9\"> </span></span><span style=\"display:inherit;clear:left;\">IKT<span class=\"_ _2\"></span>-kostnader<span class=\"_ _2b1\"> </span><span class=\"ls123 ws1cd\">316<span class=\"_ _86\"> </span><span class=\"ls122 ws1cc\">267</span></span></span><span style=\"display:inherit;clear:left;\">57<span class=\"_ _12\"> </span></span><span style=\"display:inherit;clear:left;\">55<span class=\"_ _11a\"> </span></span><span style=\"display:inherit;clear:left;\">Markedsf\u00f8ring<span class=\"_ _2b2\"> </span><span class=\"ls68 wsbf\">64<span class=\"_ _14\"> </span><span class=\"ls14 ws14\">67</span></span></span><span style=\"display:inherit;clear:left;\">1 096<span class=\"_ _dd\"> </span>1 182<span class=\"_ _11a\"> </span></span><span style=\"display:inherit;clear:left;\">L\u00f8nn og gener<span class=\"_ _1\"></span>elle adminis<span class=\"_ _1\"></span>trasjonsk<span class=\"_ _1\"></span>ostnader<span class=\"_ _23a\"> </span><span class=\"ls0 ws0\">1 381<span class=\"_ _d4\"> </span>1 292</span></span><span style=\"display:inherit;clear:left;\">208<span class=\"_ _86\"> </span></span><span style=\"display:inherit;clear:left;\">184<span class=\"_ _11a\"> </span></span><span style=\"display:inherit;clear:left;\">Av<span class=\"_ _1\"></span>skrivninger<span class=\"_ _297\"> </span><span class=\"lsf2 ws154\">192<span class=\"_ _6f\"> </span>218</span></span><span style=\"display:inherit;clear:left;\">23<span class=\"_ _12\"> </span></span><span style=\"display:inherit;clear:left;\">26<span class=\"_ _11a\"> </span></span><span style=\"display:inherit;clear:left;\">Drif<span class=\"_ _8\"></span>tskostna<span class=\"_ _1\"></span>der lokaler<span class=\"_ _2a9\"> </span><span class=\"ls125 ws1cf\">42<span class=\"_ _98\"> </span><span class=\"lsa wsa\">37</span></span></span><span style=\"display:inherit;clear:left;\">31<span class=\"_ _1a\"> </span><span class=\"ls14 ws14\">20<span class=\"_ _11a\"> </span><span class=\"lse wse\">Formueskatt<span class=\"_ _2b3\"> </span></span>20<span class=\"_ _17\"> </span></span>31</span><span style=\"display:inherit;clear:left;\">67<span class=\"_ _17\"> </span></span><span style=\"display:inherit;clear:left;\">91<span class=\"_ _b9\"> </span></span><span style=\"display:inherit;clear:left;\">\u00d8vrige driftskostnader<span class=\"_ _1a3\"> </span><span class=\"ls12 ws12\">136<span class=\"_ _6e\"> </span><span class=\"ls123 ws1cd\">108</span></span></span><span style=\"display:inherit;clear:left;\">122<span class=\"_ _6e\"> </span></span><span style=\"display:inherit;clear:left;\">1<span class=\"_ _8\"></span>37<span class=\"_ _b9\"> </span></span><span style=\"display:inherit;clear:left;\">A<span class=\"_ _8\"></span>ndre driftskostnader<span class=\"_ _1e1\"> </span><span class=\"lsf2 ws154\">199<span class=\"_ _94\"> </span><span class=\"ls92 wsee\">177</span></span></span><span style=\"display:inherit;clear:left;\">1 426<span class=\"_ _cc\"> </span></span><span style=\"display:inherit;clear:left;\">1 503<span class=\"_ _11a\"> </span></span><span style=\"display:inherit;clear:left;\">Sum driftsko<span class=\"_ _1\"></span>stnader<span class=\"_ _1ae\"> </span><span class=\"ls82 ws14b\">1 7<span class=\"_ _8\"></span>72<span class=\"_ _d4\"> </span><span class=\"ls122 ws1cc\">1 6<span class=\"_ _8\"></span>87</span></span></span><span style=\"display:inherit;clear:left;\">Gje<span class=\"_ _8\"></span>nno<span class=\"_ _8\"></span>msni<span class=\"_ _8\"></span>ttl<span class=\"_ _8\"></span>ig ant<span class=\"_ _8\"></span>all a<span class=\"_ _8\"></span>nsat<span class=\"_ _8\"></span>te m\u00e5lt i \u00e5<span class=\"_ _8\"></span>rsver<span class=\"_ _8\"></span>k i 2023 (2022) ha<span class=\"_ _8\"></span>r v\u00e6r<span class=\"_ _8\"></span>t  631 (60<span class=\"_ _8\"></span>9) for mor<span class=\"_ _8\"></span>bank o<span class=\"_ _8\"></span>g 776 (755) for kons<span class=\"_ _8\"></span>ern<span class=\"_ _8\"></span>et.</span><span style=\"display:inherit;clear:left;\">Honorar t<span class=\"_ _1\"></span>il v<span class=\"_ _1\"></span>algt re<span class=\"_ _1\"></span>visor </span><span style=\"display:inherit;clear:left;\">T<span class=\"_ _1\"></span>all i tuse<span class=\"_ _8\"></span>n kron<span class=\"_ _8\"></span>er</span><span style=\"display:inherit;clear:left;\">MORBANK<span class=\"_ _12c\"> </span><span class=\"lsc wsc\">KONSERN</span></span><span style=\"display:inherit;clear:left;\">2022<span class=\"_ _cc\"> </span>2023<span class=\"_ _16e\"> </span>2023<span class=\"_ _cc\"> </span>2022</span><span style=\"display:inherit;clear:left;\">900<span class=\"_ _cb\"> </span></span><span style=\"display:inherit;clear:left;\">1 926<span class=\"_ _11a\"> </span></span><span style=\"display:inherit;clear:left;\">Revisjonshonor<span class=\"_ _1\"></span>ar<span class=\"_ _28e\"> </span><span class=\"ls61 wsb5\">2<span class=\"_ _8\"></span> 78<span class=\"_ _8\"></span>9<span class=\"_ _87\"> </span><span class=\"ls0 ws0\">1 312</span></span></span><span style=\"display:inherit;clear:left;\">643<span class=\"_ _6b\"> </span></span><span style=\"display:inherit;clear:left;\">4<span class=\"_ _8\"></span>30<span class=\"_ _b9\"> </span></span><span style=\"display:inherit;clear:left;\">Attestasjonsoppga<span class=\"_ _1\"></span>v<span class=\"_ _1\"></span>er <span class=\"_ _2a9\"> </span><span class=\"ls108 ws16a\">78<span class=\"_ _8\"></span>1<span class=\"_ _89\"> </span><span class=\"ls0 ws0\">1 019</span></span></span><span style=\"display:inherit;clear:left;\">0<span class=\"_ _8b\"> </span>0<span class=\"_ _11a\"> </span></span><span style=\"display:inherit;clear:left;\">Skatter\u00e5<span class=\"_ _1\"></span>dgivning<span class=\"_ _2b4\"> </span><span class=\"ls0 ws0\">0<span class=\"_ _8b\"> </span>0</span></span><span style=\"display:inherit;clear:left;\">21<span class=\"_ _8b\"> </span></span><span style=\"display:inherit;clear:left;\">0<span class=\"_ _11a\"> </span></span><span style=\"display:inherit;clear:left;\">Andre tje<span class=\"_ _1\"></span>nester<span class=\"_ _2b5\"> </span><span class=\"ls0 ws0\">0<span class=\"_ _17\"> </span><span class=\"lsd wsd\">21</span></span></span><span style=\"display:inherit;clear:left;\">1 565<span class=\"_ _131\"> </span>2 356<span class=\"_ _11a\"> </span></span><span style=\"display:inherit;clear:left;\">Sum honorar<span class=\"_ _2b6\"> </span></span><span style=\"display:inherit;clear:left;\">3 570</span><span style=\"display:inherit;clear:left;\"><span class=\"_ _dc\"> </span><span class=\"ls92 wsee\">2<span class=\"_ _8\"></span> 352</span></span>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfAuditorsRemunerationExplanatory",
    "language": "no",
    "entity": "scheme:213800M7T3CYVZ3ZRT12",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "s10_notes__6__73": {
   "value": "<span style=\"display:inherit;clear:left;\">Not<span class=\"_ _1\"></span>e 30<span class=\"_ _8\"></span> Dr<span class=\"_ _8\"></span>iftsk<span class=\"_ _1\"></span>ostnader</span><span style=\"display:inherit;clear:left;\">MORBANK<span class=\"_ _12c\"> </span><span class=\"lsc wsc\">KONSERN</span></span><span style=\"display:inherit;clear:left;\">2022<span class=\"_ _cc\"> </span>2023<span class=\"_ _16e\"> </span>2023<span class=\"_ _cc\"> </span>2022</span><span style=\"display:inherit;clear:left;\">576<span class=\"_ _86\"> </span></span><span style=\"display:inherit;clear:left;\">625<span class=\"_ _11a\"> </span></span><span style=\"display:inherit;clear:left;\">L\u00f8nnskostnader inklusive<span class=\"_ _1\"></span> arbeidsg<span class=\"_ _8\"></span>iver<span class=\"_ _1\"></span>av<span class=\"_ _1\"></span>gift<span class=\"_ _17f\"> </span><span class=\"ls0 ws0\">777<span class=\"_ _6f\"> </span><span class=\"ls137 ws1e4\">72<span class=\"_ _8\"></span>2</span></span></span><span style=\"display:inherit;clear:left;\">83<span class=\"_ _14\"> </span></span><span style=\"display:inherit;clear:left;\">78<span class=\"_ _11a\"> </span><span class=\"ls5 ws5\">Pensjonsk<span class=\"_ _1\"></span>ostnader<span class=\"_ _2af\"> </span>90<span class=\"_ _72\"> </span><span class=\"ls11 ws11\">94</span></span></span><span style=\"display:inherit;clear:left;\">47<span class=\"_ _72\"> </span></span><span style=\"display:inherit;clear:left;\">40<span class=\"_ _11a\"> </span></span><span style=\"display:inherit;clear:left;\">Andre personalr<span class=\"_ _1\"></span>ela<span class=\"_ _1\"></span>terte kos<span class=\"_ _1\"></span>tnader<span class=\"_ _fa\"> </span><span class=\"ls126 ws1d0\">52<span class=\"_ _12\"> </span><span class=\"ls14 ws14\">59</span></span></span><span style=\"display:inherit;clear:left;\">78<span class=\"_ _14\"> </span></span><span style=\"display:inherit;clear:left;\">79<span class=\"_ _11a\"> </span></span><span style=\"display:inherit;clear:left;\">Eksterne honor<span class=\"_ _1\"></span>ar<span class=\"_ _2b0\"> </span><span class=\"lsa wsa\">82<span class=\"_ _14\"> </span>82</span></span><span style=\"display:inherit;clear:left;\">255<span class=\"_ _107\"> </span></span><span style=\"display:inherit;clear:left;\">30<span class=\"_ _8\"></span>4<span class=\"_ _b9\"> </span></span><span style=\"display:inherit;clear:left;\">IKT<span class=\"_ _2\"></span>-kostnader<span class=\"_ _2b1\"> </span><span class=\"ls123 ws1cd\">316<span class=\"_ _86\"> </span><span class=\"ls122 ws1cc\">267</span></span></span><span style=\"display:inherit;clear:left;\">57<span class=\"_ _12\"> </span></span><span style=\"display:inherit;clear:left;\">55<span class=\"_ _11a\"> </span></span><span style=\"display:inherit;clear:left;\">Markedsf\u00f8ring<span class=\"_ _2b2\"> </span><span class=\"ls68 wsbf\">64<span class=\"_ _14\"> </span><span class=\"ls14 ws14\">67</span></span></span><span style=\"display:inherit;clear:left;\">1 096<span class=\"_ _dd\"> </span>1 182<span class=\"_ _11a\"> </span></span><span style=\"display:inherit;clear:left;\">L\u00f8nn og gener<span class=\"_ _1\"></span>elle adminis<span class=\"_ _1\"></span>trasjonsk<span class=\"_ _1\"></span>ostnader<span class=\"_ _23a\"> </span><span class=\"ls0 ws0\">1 381<span class=\"_ _d4\"> </span>1 292</span></span><span style=\"display:inherit;clear:left;\">208<span class=\"_ _86\"> </span></span><span style=\"display:inherit;clear:left;\">184<span class=\"_ _11a\"> </span></span><span style=\"display:inherit;clear:left;\">Av<span class=\"_ _1\"></span>skrivninger<span class=\"_ _297\"> </span><span class=\"lsf2 ws154\">192<span class=\"_ _6f\"> </span>218</span></span><span style=\"display:inherit;clear:left;\">23<span class=\"_ _12\"> </span></span><span style=\"display:inherit;clear:left;\">26<span class=\"_ _11a\"> </span></span><span style=\"display:inherit;clear:left;\">Drif<span class=\"_ _8\"></span>tskostna<span class=\"_ _1\"></span>der lokaler<span class=\"_ _2a9\"> </span><span class=\"ls125 ws1cf\">42<span class=\"_ _98\"> </span><span class=\"lsa wsa\">37</span></span></span><span style=\"display:inherit;clear:left;\">31<span class=\"_ _1a\"> </span><span class=\"ls14 ws14\">20<span class=\"_ _11a\"> </span><span class=\"lse wse\">Formueskatt<span class=\"_ _2b3\"> </span></span>20<span class=\"_ _17\"> </span></span>31</span><span style=\"display:inherit;clear:left;\">67<span class=\"_ _17\"> </span></span><span style=\"display:inherit;clear:left;\">91<span class=\"_ _b9\"> </span></span><span style=\"display:inherit;clear:left;\">\u00d8vrige driftskostnader<span class=\"_ _1a3\"> </span><span class=\"ls12 ws12\">136<span class=\"_ _6e\"> </span><span class=\"ls123 ws1cd\">108</span></span></span><span style=\"display:inherit;clear:left;\">122<span class=\"_ _6e\"> </span></span><span style=\"display:inherit;clear:left;\">1<span class=\"_ _8\"></span>37<span class=\"_ _b9\"> </span></span><span style=\"display:inherit;clear:left;\">A<span class=\"_ _8\"></span>ndre driftskostnader<span class=\"_ _1e1\"> </span><span class=\"lsf2 ws154\">199<span class=\"_ _94\"> </span><span class=\"ls92 wsee\">177</span></span></span><span style=\"display:inherit;clear:left;\">1 426<span class=\"_ _cc\"> </span></span><span style=\"display:inherit;clear:left;\">1 503<span class=\"_ _11a\"> </span></span><span style=\"display:inherit;clear:left;\">Sum driftsko<span class=\"_ _1\"></span>stnader<span class=\"_ _1ae\"> </span><span class=\"ls82 ws14b\">1 7<span class=\"_ _8\"></span>72<span class=\"_ _d4\"> </span><span class=\"ls122 ws1cc\">1 6<span class=\"_ _8\"></span>87</span></span></span><span style=\"display:inherit;clear:left;\">Gje<span class=\"_ _8\"></span>nno<span class=\"_ _8\"></span>msni<span class=\"_ _8\"></span>ttl<span class=\"_ _8\"></span>ig ant<span class=\"_ _8\"></span>all a<span class=\"_ _8\"></span>nsat<span class=\"_ _8\"></span>te m\u00e5lt i \u00e5<span class=\"_ _8\"></span>rsver<span class=\"_ _8\"></span>k i 2023 (2022) ha<span class=\"_ _8\"></span>r v\u00e6r<span class=\"_ _8\"></span>t  631 (60<span class=\"_ _8\"></span>9) for mor<span class=\"_ _8\"></span>bank o<span class=\"_ _8\"></span>g 776 (755) for kons<span class=\"_ _8\"></span>ern<span class=\"_ _8\"></span>et.</span><span style=\"display:inherit;clear:left;\">Honorar t<span class=\"_ _1\"></span>il v<span class=\"_ _1\"></span>algt re<span class=\"_ _1\"></span>visor </span><span style=\"display:inherit;clear:left;\">T<span class=\"_ _1\"></span>all i tuse<span class=\"_ _8\"></span>n kron<span class=\"_ _8\"></span>er</span><span style=\"display:inherit;clear:left;\">MORBANK<span class=\"_ _12c\"> </span><span class=\"lsc wsc\">KONSERN</span></span><span style=\"display:inherit;clear:left;\">2022<span class=\"_ _cc\"> </span>2023<span class=\"_ _16e\"> </span>2023<span class=\"_ _cc\"> </span>2022</span><span style=\"display:inherit;clear:left;\">900<span class=\"_ _cb\"> </span></span><span style=\"display:inherit;clear:left;\">1 926<span class=\"_ _11a\"> </span></span><span style=\"display:inherit;clear:left;\">Revisjonshonor<span class=\"_ _1\"></span>ar<span class=\"_ _28e\"> </span><span class=\"ls61 wsb5\">2<span class=\"_ _8\"></span> 78<span class=\"_ _8\"></span>9<span class=\"_ _87\"> </span><span class=\"ls0 ws0\">1 312</span></span></span><span style=\"display:inherit;clear:left;\">643<span class=\"_ _6b\"> </span></span><span style=\"display:inherit;clear:left;\">4<span class=\"_ _8\"></span>30<span class=\"_ _b9\"> </span></span><span style=\"display:inherit;clear:left;\">Attestasjonsoppga<span class=\"_ _1\"></span>v<span class=\"_ _1\"></span>er <span class=\"_ _2a9\"> </span><span class=\"ls108 ws16a\">78<span class=\"_ _8\"></span>1<span class=\"_ _89\"> </span><span class=\"ls0 ws0\">1 019</span></span></span><span style=\"display:inherit;clear:left;\">0<span class=\"_ _8b\"> </span>0<span class=\"_ _11a\"> </span></span><span style=\"display:inherit;clear:left;\">Skatter\u00e5<span class=\"_ _1\"></span>dgivning<span class=\"_ _2b4\"> </span><span class=\"ls0 ws0\">0<span class=\"_ _8b\"> </span>0</span></span><span style=\"display:inherit;clear:left;\">21<span class=\"_ _8b\"> </span></span><span style=\"display:inherit;clear:left;\">0<span class=\"_ _11a\"> </span></span><span style=\"display:inherit;clear:left;\">Andre tje<span class=\"_ _1\"></span>nester<span class=\"_ _2b5\"> </span><span class=\"ls0 ws0\">0<span class=\"_ _17\"> </span><span class=\"lsd wsd\">21</span></span></span><span style=\"display:inherit;clear:left;\">1 565<span class=\"_ _131\"> </span>2 356<span class=\"_ _11a\"> </span></span><span style=\"display:inherit;clear:left;\">Sum honorar<span class=\"_ _2b6\"> </span></span><span style=\"display:inherit;clear:left;\">3 570</span><span style=\"display:inherit;clear:left;\"><span class=\"_ _dc\"> </span><span class=\"ls92 wsee\">2<span class=\"_ _8\"></span> 352</span></span>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfOtherOperatingExpenseExplanatory",
    "language": "no",
    "entity": "scheme:213800M7T3CYVZ3ZRT12",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "s10_notes__6__77": {
   "value": "<span style=\"display:inherit;clear:left;\">Konsernet<span class=\"_ _1\"></span> Sparebank<span class=\"_ _1\"></span>en V<span class=\"_ _2\"></span>est er pliktig til \u00e5 ha<span class=\"_ _1\"></span> tjenestepensjonsordning<span class=\"_ _1\"></span> etter lo<span class=\"_ _1\"></span>v om<span class=\"_ _1\"></span> obligatoris<span class=\"_ _1\"></span>k tjenestepensjon, og<span class=\"_ _1\"></span> konserne<span class=\"_ _1\"></span>ts </span><span style=\"display:inherit;clear:left;\">pensjonsordning<span class=\"_ _1\"></span> oppfyller kra<span class=\"_ _1\"></span>v<span class=\"_ _1\"></span>ene etter<span class=\"_ _1\"></span> denne lo<span class=\"_ _1\"></span>v<span class=\"_ _1\"></span>.<span class=\"_ _1\"></span> Pensjonsord<span class=\"_ _1\"></span>ningen om<span class=\"_ _1\"></span>fa<span class=\"_ _1\"></span>tter: </span><span style=\"display:inherit;clear:left;\">1. En innskuddspensjonsordning for<span class=\"_ _1\"></span> samtlige ansatte<span class=\"_ _1\"></span> i k<span class=\"_ _1\"></span>onsernet.</span><span style=\"display:inherit;clear:left;\">2.  <span class=\"_ _b3\"></span>En komp<span class=\"_ _8\"></span>ens<span class=\"_ _8\"></span>asj<span class=\"_ _8\"></span>ons<span class=\"_ _8\"></span>ordni<span class=\"_ _8\"></span>ng for 19<span class=\"_ _8\"></span>0 ans<span class=\"_ _8\"></span>atte (mor<span class=\"_ _8\"></span>ban<span class=\"_ _8\"></span>k 173)<span class=\"_ _1\"></span>. I till<span class=\"_ _8\"></span>eg<span class=\"_ _8\"></span>g t<span class=\"_ _8\"></span>il ordi<span class=\"_ _8\"></span>n\u00e6r in<span class=\"_ _8\"></span>nsku<span class=\"_ _8\"></span>dds<span class=\"_ _8\"></span>pen<span class=\"_ _8\"></span>sjo<span class=\"_ _8\"></span>n har kons<span class=\"_ _8\"></span>ern<span class=\"_ _8\"></span>et eta<span class=\"_ _8\"></span>ble<span class=\"_ _8\"></span>rt e<span class=\"_ _8\"></span>n </span><span style=\"display:inherit;clear:left;\">kompensasjonsordning for ansa<span class=\"_ _1\"></span>tte som tidliger<span class=\"_ _1\"></span>e hadde ytelsesbaser<span class=\"_ _8\"></span>t pensjonsordning. Ordningen<span class=\"_ _1\"></span> er innskuddsbaser<span class=\"_ _8\"></span>t. \u00c5rlig </span><span style=\"display:inherit;clear:left;\">avtalt tilskudd<span class=\"_ _1\"></span> ov<span class=\"_ _1\"></span>erf\u00f8res til<span class=\"_ _1\"></span> ver<span class=\"_ _1\"></span>dipapirfond med pan<span class=\"_ _1\"></span>tesikring. Tilskuddene til<span class=\"_ _1\"></span> ver<span class=\"_ _1\"></span>dipapirfondene er en<span class=\"_ _1\"></span> pantsatt<span class=\"_ _1\"></span> eiendel for<span class=\"_ _1\"></span> </span><span style=\"display:inherit;clear:left;\">selskapet, samt<span class=\"_ _1\"></span> en tilsv<span class=\"_ _1\"></span>arende<span class=\"_ _1\"></span> brutto pensjonsf<span class=\"_ _1\"></span>orpliktelse til de<span class=\"_ _1\"></span> ansatte.<span class=\"_ _1\"></span> A<span class=\"_ _1\"></span>v sum<span class=\"_ _1\"></span> tilskudd og v<span class=\"_ _1\"></span>erdiutvikling<span class=\"_ _1\"></span> til v<span class=\"_ _1\"></span>erdipapirfondene </span><span style=\"display:inherit;clear:left;\">be<span class=\"_ _8\"></span>regn<span class=\"_ _8\"></span>es de<span class=\"_ _8\"></span>t og avset<span class=\"_ _8\"></span>tes for a<span class=\"_ _8\"></span>rbe<span class=\"_ _8\"></span>ids<span class=\"_ _8\"></span>gi<span class=\"_ _8\"></span>veravgif<span class=\"_ _8\"></span>t og f<span class=\"_ _8\"></span>ina<span class=\"_ _8\"></span>nssk<span class=\"_ _8\"></span>att. N<span class=\"_ _8\"></span>etto p<span class=\"_ _8\"></span>ens<span class=\"_ _8\"></span>jon<span class=\"_ _8\"></span>sforp<span class=\"_ _8\"></span>lik<span class=\"_ _8\"></span>tel<span class=\"_ _8\"></span>se kny<span class=\"_ _8\"></span>ttet t<span class=\"_ _8\"></span>il det<span class=\"_ _8\"></span>te pu<span class=\"_ _8\"></span>nk<span class=\"_ _8\"></span>t tils<span class=\"_ _8\"></span>varer </span><span style=\"display:inherit;clear:left;\">dermed a<span class=\"_ _1\"></span>vsatt a<span class=\"_ _1\"></span>v<span class=\"_ _1\"></span>gift. Midlene utbetales medlemmene ved<span class=\"_ _1\"></span> pensjonering, fr<span class=\"_ _1\"></span>atr<span class=\"_ _1\"></span>edelse, arbeidsuf<span class=\"_ _1\"></span>\u00f8rhet eller<span class=\"_ _1\"></span> d\u00f8d.   </span><span style=\"display:inherit;clear:left;\">3.  <span class=\"_ _b3\"></span>En top<span class=\"_ _8\"></span>ple<span class=\"_ _8\"></span>dero<span class=\"_ _8\"></span>rdnin<span class=\"_ _8\"></span>g som o<span class=\"_ _8\"></span>mfatter 9 a<span class=\"_ _8\"></span>nsat<span class=\"_ _8\"></span>te som g<span class=\"_ _8\"></span>ir a<span class=\"_ _8\"></span>nle<span class=\"_ _8\"></span>dnin<span class=\"_ _8\"></span>g for pe<span class=\"_ _8\"></span>nsjo<span class=\"_ _8\"></span>nsa<span class=\"_ _8\"></span>lde<span class=\"_ _8\"></span>r ved fy<span class=\"_ _8\"></span>lte 65 \u00e5<span class=\"_ _8\"></span>r<span class=\"_ _2\"></span>. Ad<span class=\"_ _8\"></span>mini<span class=\"_ _8\"></span>strere<span class=\"_ _8\"></span>nde d<span class=\"_ _8\"></span>irek<span class=\"_ _8\"></span>t\u00f8r ha<span class=\"_ _8\"></span>r </span><span style=\"display:inherit;clear:left;\">rett t<span class=\"_ _8\"></span>il, o<span class=\"_ _8\"></span>g ders<span class=\"_ _8\"></span>om st<span class=\"_ _8\"></span>yret \u00f8n<span class=\"_ _8\"></span>sker det<span class=\"_ _8\"></span>, pli<span class=\"_ _8\"></span>kt t<span class=\"_ _8\"></span>il \u00e5 fratre me<span class=\"_ _8\"></span>d f\u00f8r<span class=\"_ _8\"></span>tid<span class=\"_ _8\"></span>spe<span class=\"_ _8\"></span>nsjo<span class=\"_ _8\"></span>n fra fy<span class=\"_ _8\"></span>lte 62 \u00e5r<span class=\"_ _1\"></span>. Innsk<span class=\"_ _8\"></span>udd<span class=\"_ _8\"></span>spe<span class=\"_ _8\"></span>nsjo<span class=\"_ _8\"></span>n st\u00f8r<span class=\"_ _8\"></span>re enn 12 G i </span><span style=\"display:inherit;clear:left;\">topplederor<span class=\"_ _1\"></span>dninge<span class=\"_ _1\"></span>n inng\u00e5r<span class=\"_ _1\"></span> i samme or<span class=\"_ _1\"></span>dning<span class=\"_ _1\"></span> som punkt 2. <span class=\"_ _2\"></span> </span><span style=\"display:inherit;clear:left;\">4.  <span class=\"_ _4\"></span>I t<span class=\"_ _8\"></span>ill<span class=\"_ _8\"></span>eg<span class=\"_ _8\"></span>g ti<span class=\"_ _8\"></span>l ovenst<span class=\"_ _8\"></span>\u00e5end<span class=\"_ _8\"></span>e ordni<span class=\"_ _8\"></span>nger b<span class=\"_ _8\"></span>eta<span class=\"_ _8\"></span>ler s<span class=\"_ _8\"></span>elsk<span class=\"_ _8\"></span>ape<span class=\"_ _8\"></span>t premi<span class=\"_ _8\"></span>e til Fell<span class=\"_ _8\"></span>eso<span class=\"_ _8\"></span>rdnin<span class=\"_ _8\"></span>gen for A<span class=\"_ _8\"></span>FP<span class=\"_ _2\"></span>. Det<span class=\"_ _8\"></span>te er en y<span class=\"_ _8\"></span>te<span class=\"_ _8\"></span>lse<span class=\"_ _8\"></span>sba<span class=\"_ _8\"></span>ser<span class=\"_ _8\"></span>t fl<span class=\"_ _8\"></span>er<span class=\"_ _8\"></span>foreta<span class=\"_ _8\"></span>ks </span><span style=\"display:inherit;clear:left;\">pensjonsordning, og finansieres g<span class=\"_ _8\"></span>jennom premier som f<span class=\"_ _1\"></span>astsettes som en prosent a<span class=\"_ _1\"></span>v<span class=\"_ _1\"></span> l\u00f8nn. Regnskapsme<span class=\"_ _8\"></span>ssig blir ordningen<span class=\"_ _1\"></span> </span><span style=\"display:inherit;clear:left;\">behandlet som en innskuddsbasert pensjo<span class=\"_ _8\"></span>nsordning h<span class=\"_ _1\"></span>vor pr<span class=\"_ _1\"></span>emiebetalinger kostnadsf<span class=\"_ _1\"></span>\u00f8res l\u00f8pende.</span><span style=\"display:inherit;clear:left;\">Etter frare<span class=\"_ _8\"></span>gni<span class=\"_ _8\"></span>ng av yte<span class=\"_ _8\"></span>lse<span class=\"_ _8\"></span>sord<span class=\"_ _8\"></span>ning<span class=\"_ _8\"></span>en er res<span class=\"_ _8\"></span>tbe<span class=\"_ _8\"></span>hol<span class=\"_ _8\"></span>dni<span class=\"_ _8\"></span>ngen \u00e5 an<span class=\"_ _8\"></span>se so<span class=\"_ _8\"></span>m uves<span class=\"_ _8\"></span>entl<span class=\"_ _8\"></span>ig og u<span class=\"_ _8\"></span>tg<span class=\"_ _a\"></span>j\u00f8r u<span class=\"_ _8\"></span>telu<span class=\"_ _8\"></span>kkend<span class=\"_ _8\"></span>e f\u00f8r<span class=\"_ _8\"></span>tid<span class=\"_ _8\"></span>spe<span class=\"_ _8\"></span>nsjo<span class=\"_ _8\"></span>n til </span><span style=\"display:inherit;clear:left;\">toppledelsen. Det er<span class=\"_ _1\"></span> derfor g<span class=\"_ _8\"></span>jort en del f<span class=\"_ _1\"></span>orenkling<span class=\"_ _1\"></span>er i<span class=\"_ _1\"></span> nedenfors<span class=\"_ _1\"></span>t\u00e5ende not<span class=\"_ _1\"></span>everk.<span class=\"_ _1\"></span> Oversikt o<span class=\"_ _1\"></span>ver \u00f8k<span class=\"_ _1\"></span>onomisk<span class=\"_ _1\"></span>e par<span class=\"_ _1\"></span>ameter<span class=\"_ _1\"></span>e ved<span class=\"_ _1\"></span> </span><span style=\"display:inherit;clear:left;\">beregning, dekomponering<span class=\"_ _1\"></span> av<span class=\"_ _1\"></span> pensjonsk<span class=\"_ _1\"></span>ostnaden, a<span class=\"_ _1\"></span>vst<span class=\"_ _1\"></span>emming a<span class=\"_ _1\"></span>v pens<span class=\"_ _1\"></span>jonsforpliktelser og<span class=\"_ _1\"></span> pensjonsmidler fr<span class=\"_ _1\"></span>a inng\u00e5<span class=\"_ _1\"></span>ende balanse<span class=\"_ _1\"></span> </span><span style=\"display:inherit;clear:left;\">til utg\u00e5ende balan<span class=\"_ _1\"></span>se, aktivaallokering<span class=\"_ _1\"></span> a<span class=\"_ _1\"></span>v pensjonsmidler<span class=\"_ _1\"></span> samt sensitivi<span class=\"_ _1\"></span>tetsberegning<span class=\"_ _1\"></span>er er ta<span class=\"_ _1\"></span>tt ut</span>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForEmployeeBenefitsExplanatory",
    "language": "no",
    "entity": "scheme:213800M7T3CYVZ3ZRT12",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "s10_notes__6__79": {
   "value": "<span style=\"display:inherit;clear:left;\">Utsa<span class=\"_ _1\"></span>tt ska<span class=\"_ _2\"></span>tt og utsat<span class=\"_ _1\"></span>t ska<span class=\"_ _1\"></span>t<span class=\"_ _1\"></span>te<span class=\"_ _1\"></span>f<span class=\"_ _1\"></span>or<span class=\"_ _1\"></span>del balansef<span class=\"_ _1\"></span>\u00f8r<span class=\"_ _1\"></span>es i samsv<span class=\"_ _2\"></span>ar med IAS 12 Inntekts<span class=\"_ _1\"></span>ska<span class=\"_ _1\"></span>t<span class=\"_ _1\"></span>t.</span><span style=\"display:inherit;clear:left;\">Ska<span class=\"_ _1\"></span>tt<span class=\"_ _1\"></span>ekos<span class=\"_ _1\"></span>tnaden i r<span class=\"_ _1\"></span>esulta<span class=\"_ _1\"></span>tr<span class=\"_ _1\"></span>egnskape<span class=\"_ _1\"></span>t om<span class=\"_ _1\"></span>f<span class=\"_ _1\"></span>a<span class=\"_ _1\"></span>tt<span class=\"_ _1\"></span>er b\u00e5de periodens be<span class=\"_ _1\"></span>talbar<span class=\"_ _1\"></span>e ska<span class=\"_ _1\"></span>t<span class=\"_ _1\"></span>t og endring i utsa<span class=\"_ _1\"></span>tt ska<span class=\"_ _2\"></span>tt. Utsat<span class=\"_ _1\"></span>t ska<span class=\"_ _1\"></span>tt/utsa<span class=\"_ _2\"></span>tt ska<span class=\"_ _1\"></span>tt<span class=\"_ _1\"></span>e-</span><span style=\"display:inherit;clear:left;\">for<span class=\"_ _1\"></span>del er ber<span class=\"_ _1\"></span>egne<span class=\"_ _1\"></span>t med 25 % a<span class=\"_ _2\"></span>v netto midlertidig<span class=\"_ _1\"></span>e f<span class=\"_ _1\"></span>orskjeller som eksis<span class=\"_ _1\"></span>ter<span class=\"_ _1\"></span>er mellom r<span class=\"_ _1\"></span>egnskapsmessig<span class=\"_ _1\"></span>e og ska<span class=\"_ _1\"></span>t<span class=\"_ _1\"></span>temes<span class=\"_ _1\"></span>sige v<span class=\"_ _1\"></span>er<span class=\"_ _1\"></span>dier v<span class=\"_ _1\"></span>ed </span><span style=\"display:inherit;clear:left;\">utgangen a<span class=\"_ _2\"></span>v regnskaps\u00e5r<span class=\"_ _1\"></span>et. Ska<span class=\"_ _1\"></span>t<span class=\"_ _1\"></span>te\u00f8k<span class=\"_ _1\"></span>ende og ska<span class=\"_ _1\"></span>t<span class=\"_ _1\"></span>ter<span class=\"_ _1\"></span>eduser<span class=\"_ _1\"></span>ende midlertidige f<span class=\"_ _1\"></span>orskjeller som r<span class=\"_ _1\"></span>e<span class=\"_ _1\"></span>v<span class=\"_ _1\"></span>erser<span class=\"_ _1\"></span>er eller kan r<span class=\"_ _1\"></span>ev<span class=\"_ _1\"></span>erser<span class=\"_ _1\"></span>es i samme </span><span style=\"display:inherit;clear:left;\">periode er utlignet og ne<span class=\"_ _1\"></span>tt<span class=\"_ _1\"></span>o<span class=\"_ _1\"></span>f<span class=\"_ _1\"></span>\u00f8rt. Enkelte selskaper i k<span class=\"_ _1\"></span>onserne<span class=\"_ _1\"></span>t som ikke er om<span class=\"_ _1\"></span>f<span class=\"_ _1\"></span>a<span class=\"_ _1\"></span>tt<span class=\"_ _1\"></span>e<span class=\"_ _1\"></span>t a<span class=\"_ _1\"></span>v finansska<span class=\"_ _1\"></span>t<span class=\"_ _1\"></span>ten, ber<span class=\"_ _1\"></span>egner o<span class=\"_ _1\"></span>v<span class=\"_ _1\"></span>enst\u00e5<span class=\"_ _1\"></span>ende basert </span><span style=\"display:inherit;clear:left;\">p\u00e5 22 % a<span class=\"_ _1\"></span>v net<span class=\"_ _1\"></span>to midlertidig<span class=\"_ _1\"></span>e for<span class=\"_ _1\"></span>skjeller<span class=\"_ _0\"></span>.</span><span style=\"display:inherit;clear:left;\">Utsa<span class=\"_ _1\"></span>tt ska<span class=\"_ _2\"></span>ttef<span class=\"_ _1\"></span>or<span class=\"_ _1\"></span>del balanse<span class=\"_ _1\"></span>f<span class=\"_ _1\"></span>\u00f8r<span class=\"_ _1\"></span>es ut fra f<span class=\"_ _1\"></span>orv<span class=\"_ _1\"></span>en<span class=\"_ _1\"></span>tninger om ska<span class=\"_ _2\"></span>ttepliktig innt<span class=\"_ _1\"></span>ekt gjennom inn<span class=\"_ _1\"></span>tjening i fr<span class=\"_ _1\"></span>emtidig<span class=\"_ _1\"></span>e \u00e5r<span class=\"_ _0\"></span>.</span><span style=\"display:inherit;clear:left;\">Betalbar ska<span class=\"_ _2\"></span>tt i balansen er periodens betalbar<span class=\"_ _1\"></span>e ska<span class=\"_ _1\"></span>t<span class=\"_ _1\"></span>t knyt<span class=\"_ _1\"></span>te<span class=\"_ _1\"></span>t til \u00e5r<span class=\"_ _1\"></span>e<span class=\"_ _1\"></span>ts r<span class=\"_ _1\"></span>esulta<span class=\"_ _1\"></span>t, ska<span class=\"_ _1\"></span>tt p\u00e5 f<span class=\"_ _1\"></span>ormue, sam<span class=\"_ _1\"></span>t be<span class=\"_ _1\"></span>talbar ska<span class=\"_ _1\"></span>tt kn<span class=\"_ _1\"></span>ytt<span class=\"_ _1\"></span>e<span class=\"_ _1\"></span>t til </span><span style=\"display:inherit;clear:left;\">mot<span class=\"_ _1\"></span>ta<span class=\"_ _1\"></span>tt k<span class=\"_ _1\"></span>onsernbidr<span class=\"_ _1\"></span>ag.</span>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForIncomeTaxExplanatory",
    "language": "no",
    "entity": "scheme:213800M7T3CYVZ3ZRT12",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "s10_notes__6__84": {
   "value": "<span style=\"display:inherit;clear:left;\">Note 3<span class=\"_ _8\"></span>3<span class=\"_ _8\"></span> I<span class=\"_ _8\"></span>m<span class=\"_ _8\"></span>mater<span class=\"_ _8\"></span>iel<span class=\"_ _8\"></span>le e<span class=\"_ _8\"></span>iende<span class=\"_ _8\"></span>ler</span><span style=\"display:inherit;clear:left;\">MORBANK<span class=\"_ _2c5\"> </span>K<span class=\"_ _1\"></span>ONSERN</span><span style=\"display:inherit;clear:left;\">Pr<span class=\"_ _1\"></span>ogr<span class=\"_ _1\"></span>am- </span><span style=\"display:inherit;clear:left;\">Pr<span class=\"_ _1\"></span>ogr<span class=\"_ _1\"></span>am- </span><span style=\"display:inherit;clear:left;\">v<span class=\"_ _1\"></span>ar<span class=\"_ _1\"></span>e og </span><span style=\"display:inherit;clear:left;\">v<span class=\"_ _1\"></span>ar<span class=\"_ _1\"></span>e og </span><span style=\"display:inherit;clear:left;\">lisenser <span class=\"_ _11a\"> </span>Goodwill<span class=\"_ _72\"> </span>Sum</span><span style=\"display:inherit;clear:left;\">lisenser <span class=\"_ _11a\"> </span>Goodwill<span class=\"_ _72\"> </span>Sum</span><span style=\"display:inherit;clear:left;\">Pr<span class=\"_ _2\"></span>. 31/<span class=\"_ _8\"></span>12-<span class=\"_ _2\"></span>202<span class=\"_ _8\"></span>1</span><span style=\"display:inherit;clear:left;\">488<span class=\"_ _6e\"> </span><span class=\"ls82 ws14b\">109<span class=\"_ _78\"> </span><span class=\"ls6 ws6\">5<span class=\"_ _8\"></span>97<span class=\"_ _53\"> </span></span></span>Anskaff<span class=\"_ _1\"></span>elsesk<span class=\"_ _1\"></span>ost<span class=\"_ _25c\"> </span>488<span class=\"_ _94\"> </span><span class=\"ls31 ws81\">1<span class=\"_ _8\"></span>57<span class=\"_ _98\"> </span><span class=\"ls82 ws14b\">645</span></span></span><span style=\"display:inherit;clear:left;\">316<span class=\"_ _9a\"> </span><span class=\"ls0 ws0\">0<span class=\"_ _8d\"> </span></span>316<span class=\"_ _53\"> </span><span class=\"ls0 ws0\">Akkumulerte a<span class=\"_ _1\"></span>vskrivning<span class=\"_ _1\"></span>er<span class=\"_ _217\"> </span><span class=\"ls126 ws1d0\">316<span class=\"_ _78\"> </span></span>21<span class=\"_ _17\"> </span><span class=\"ls61 wsb5\">3<span class=\"_ _8\"></span>37</span></span></span><span style=\"display:inherit;clear:left;\">1<span class=\"_ _8\"></span>72<span class=\"_ _108\"> </span></span><span style=\"display:inherit;clear:left;\">109<span class=\"_ _8d\"> </span></span><span style=\"display:inherit;clear:left;\">281<span class=\"_ _53\"> </span></span><span style=\"display:inherit;clear:left;\">Balansef<span class=\"_ _1\"></span>\u00f8rt v<span class=\"_ _1\"></span>er<span class=\"_ _1\"></span>di pr<span class=\"_ _0\"></span>. 31/12-<span class=\"_ _1\"></span>2<span class=\"_ _1\"></span>021<span class=\"_ _228\"> </span></span><span style=\"display:inherit;clear:left;\">1<span class=\"_ _8\"></span>72<span class=\"_ _ba\"> </span><span class=\"ls135 ws1e2\">1<span class=\"_ _8\"></span>36<span class=\"_ _98\"> </span>308</span></span><span style=\"display:inherit;clear:left;\">Regnskaps\u00e5r<span class=\"_ _1\"></span>e<span class=\"_ _1\"></span>t 20<span class=\"_ _1\"></span>22</span><span style=\"display:inherit;clear:left;\">1<span class=\"_ _8\"></span>72<span class=\"_ _ba\"> </span></span><span style=\"display:inherit;clear:left;\">109<span class=\"_ _21a\"> </span></span><span style=\"display:inherit;clear:left;\">28<span class=\"_ _8\"></span>1<span class=\"_ _53\"> </span></span><span style=\"display:inherit;clear:left;\">Balansef<span class=\"_ _1\"></span>\u00f8rt ver<span class=\"_ _1\"></span>di pr<span class=\"_ _0\"></span>. 1/1-2<span class=\"_ _1\"></span>022<span class=\"_ _133\"> </span></span><span style=\"display:inherit;clear:left;\">172<span class=\"_ _74\"> </span><span class=\"ls12c ws1d6\">136<span class=\"_ _11\"> </span>308</span></span><span style=\"display:inherit;clear:left;\">88<span class=\"_ _8b\"> </span>0<span class=\"_ _66\"> </span>88<span class=\"_ _d6\"> </span>Tilgang i \u00e5re<span class=\"_ _1\"></span>t<span class=\"_ _14e\"> </span>88<span class=\"_ _9a\"> </span>5<span class=\"_ _66\"> </span><span class=\"ls136 ws1e3\">93</span></span><span style=\"display:inherit;clear:left;\">0<span class=\"_ _8b\"> </span>0<span class=\"_ _118\"> </span>0<span class=\"_ _d6\"> </span>Av<span class=\"_ _1\"></span>gang i \u00e5r<span class=\"_ _1\"></span>e<span class=\"_ _1\"></span>t<span class=\"_ _180\"> </span>0<span class=\"_ _8b\"> </span>0<span class=\"_ _118\"> </span>0</span><span style=\"display:inherit;clear:left;\">119<span class=\"_ _8b\"> </span>0<span class=\"_ _e9\"> </span>119<span class=\"_ _53\"> </span>\u00c5r<span class=\"_ _1\"></span>ets a<span class=\"_ _2\"></span>vskrivninger<span class=\"_ _17f\"> </span>119<span class=\"_ _10\"> </span>7<span class=\"_ _21a\"> </span><span class=\"ls125 ws1cf\">126</span></span><span style=\"display:inherit;clear:left;\">1<span class=\"_ _8\"></span>41<span class=\"_ _6e\"> </span></span><span style=\"display:inherit;clear:left;\">109<span class=\"_ _14\"> </span></span><span style=\"display:inherit;clear:left;\">250<span class=\"_ _53\"> </span></span><span style=\"display:inherit;clear:left;\">Balansef<span class=\"_ _1\"></span>\u00f8rt v<span class=\"_ _1\"></span>er<span class=\"_ _1\"></span>di pr<span class=\"_ _0\"></span>. 31/12-<span class=\"_ _1\"></span>20<span class=\"_ _1\"></span>22<span class=\"_ _176\"> </span></span><span style=\"display:inherit;clear:left;\">1<span class=\"_ _a\"></span>41<span class=\"_ _108\"> </span><span class=\"ls62 wsb6\">134<span class=\"_ _17\"> </span><span class=\"ls4a ws9d\">276</span></span></span><span style=\"display:inherit;clear:left;\">Pr<span class=\"_ _2\"></span>. 31/12<span class=\"_ _1\"></span>-<span class=\"_ _1\"></span>20<span class=\"_ _1\"></span>22</span><span style=\"display:inherit;clear:left;\">577<span class=\"_ _94\"> </span></span><span style=\"display:inherit;clear:left;\">109<span class=\"_ _11\"> </span></span><span style=\"display:inherit;clear:left;\">685<span class=\"_ _53\"> </span></span><span style=\"display:inherit;clear:left;\">Anska<span class=\"_ _1\"></span>ff<span class=\"_ _1\"></span>elsesk<span class=\"_ _1\"></span>ost<span class=\"_ _27f\"> </span></span><span style=\"display:inherit;clear:left;\">577<span class=\"_ _94\"> </span><span class=\"lsf wsf\">162<span class=\"_ _17\"> </span><span class=\"ls12f ws1d9\">73<span class=\"_ _8\"></span>9</span></span></span><span style=\"display:inherit;clear:left;\">435<span class=\"_ _8b\"> </span><span class=\"ls0 ws0\">0<span class=\"_ _14\"> </span></span>435<span class=\"_ _53\"> </span></span><span style=\"display:inherit;clear:left;\">Akkumulerte a<span class=\"_ _1\"></span>vskrivning<span class=\"_ _1\"></span>er<span class=\"_ _195\"> </span></span><span style=\"display:inherit;clear:left;\">435<span class=\"_ _14\"> </span><span class=\"ls109 ws16b\">28<span class=\"_ _14\"> </span><span class=\"ls133 ws1e0\">46<span class=\"_ _8\"></span>3</span></span></span><span style=\"display:inherit;clear:left;\">1<span class=\"_ _8\"></span>41<span class=\"_ _6e\"> </span></span><span style=\"display:inherit;clear:left;\">109<span class=\"_ _14\"> </span></span><span style=\"display:inherit;clear:left;\">250<span class=\"_ _53\"> </span></span><span style=\"display:inherit;clear:left;\">Balansef<span class=\"_ _1\"></span>\u00f8rt v<span class=\"_ _1\"></span>er<span class=\"_ _1\"></span>di pr<span class=\"_ _0\"></span>. 31/12-<span class=\"_ _1\"></span>20<span class=\"_ _1\"></span>22<span class=\"_ _176\"> </span></span><span style=\"display:inherit;clear:left;\">1<span class=\"_ _a\"></span>41<span class=\"_ _108\"> </span><span class=\"ls62 wsb6\">134<span class=\"_ _17\"> </span><span class=\"ls4a ws9d\">276</span></span></span><span style=\"display:inherit;clear:left;\">Regnskaps\u00e5r<span class=\"_ _1\"></span>e<span class=\"_ _1\"></span>t 20<span class=\"_ _1\"></span>23</span><span style=\"display:inherit;clear:left;\">1<span class=\"_ _8\"></span>41<span class=\"_ _94\"> </span></span><span style=\"display:inherit;clear:left;\">109<span class=\"_ _98\"> </span></span><span style=\"display:inherit;clear:left;\">250<span class=\"_ _53\"> </span></span><span style=\"display:inherit;clear:left;\">Balansef<span class=\"_ _1\"></span>\u00f8rt ver<span class=\"_ _1\"></span>di pr<span class=\"_ _0\"></span>. 1/1-2<span class=\"_ _1\"></span>02<span class=\"_ _1\"></span>3<span class=\"_ _1cf\"> </span></span><span style=\"display:inherit;clear:left;\">1<span class=\"_ _8\"></span>41<span class=\"_ _94\"> </span><span class=\"ls120 ws1cb\">134<span class=\"_ _17\"> </span><span class=\"ls4a ws9d\">276</span></span></span><span style=\"display:inherit;clear:left;\">69<span class=\"_ _9a\"> </span><span class=\"ls0 ws0\">0<span class=\"_ _66\"> </span></span>69<span class=\"_ _d6\"> </span><span class=\"ls0 ws0\">Tilgang i \u00e5ret<span class=\"_ _1c7\"> </span></span>69<span class=\"_ _9a\"> </span><span class=\"ls0 ws0\">0<span class=\"_ _66\"> </span></span>69</span><span style=\"display:inherit;clear:left;\">0<span class=\"_ _8b\"> </span>0<span class=\"_ _118\"> </span>0<span class=\"_ _d6\"> </span>Av<span class=\"_ _1\"></span>gang i \u00e5r<span class=\"_ _1\"></span>e<span class=\"_ _1\"></span>t<span class=\"_ _180\"> </span>0<span class=\"_ _8b\"> </span>0<span class=\"_ _118\"> </span>0</span><span style=\"display:inherit;clear:left;\">87<span class=\"_ _9a\"> </span><span class=\"ls0 ws0\">0<span class=\"_ _3d\"> </span></span>87<span class=\"_ _53\"> </span><span class=\"ls0 ws0\">\u00c5re<span class=\"_ _1\"></span>ts a<span class=\"_ _1\"></span>vskrivning<span class=\"_ _1\"></span>er<span class=\"_ _18f\"> </span><span class=\"ls132 ws1de\">87<span class=\"_ _92\"> </span></span>6<span class=\"_ _66\"> </span><span class=\"ls136 ws1e3\">93</span></span></span><span style=\"display:inherit;clear:left;\">123<span class=\"_ _6f\"> </span></span><span style=\"display:inherit;clear:left;\">109<span class=\"_ _18\"> </span></span><span style=\"display:inherit;clear:left;\">232<span class=\"_ _53\"> </span></span><span style=\"display:inherit;clear:left;\">Balansef<span class=\"_ _1\"></span>\u00f8rt ver<span class=\"_ _1\"></span>di pr<span class=\"_ _0\"></span>. 31/12<span class=\"_ _1\"></span>-2<span class=\"_ _1\"></span>02<span class=\"_ _1\"></span>3<span class=\"_ _275\"> </span></span><span style=\"display:inherit;clear:left;\">123<span class=\"_ _6e\"> </span></span><span style=\"display:inherit;clear:left;\">1<span class=\"_ _8\"></span>29</span><span style=\"display:inherit;clear:left;\"><span class=\"_ _11\"> </span><span class=\"ls8 ws8\">2<span class=\"_ _8\"></span>52</span></span><span style=\"display:inherit;clear:left;\">Pr<span class=\"_ _2\"></span>. 31/12<span class=\"_ _1\"></span>-<span class=\"_ _1\"></span>20<span class=\"_ _1\"></span>23</span><span style=\"display:inherit;clear:left;\">646<span class=\"_ _6e\"> </span></span><span style=\"display:inherit;clear:left;\">1<span class=\"_ _8\"></span>09<span class=\"_ _11\"> </span></span><span style=\"display:inherit;clear:left;\">754<span class=\"_ _53\"> </span></span><span style=\"display:inherit;clear:left;\">Anskaff<span class=\"_ _1\"></span>elsesk<span class=\"_ _1\"></span>ost<span class=\"_ _25c\"> </span></span><span style=\"display:inherit;clear:left;\">646<span class=\"_ _94\"> </span><span class=\"lsf wsf\">162<span class=\"_ _98\"> </span><span class=\"ls82 ws14b\">808</span></span></span><span style=\"display:inherit;clear:left;\">522<span class=\"_ _9a\"> </span><span class=\"ls0 ws0\">0<span class=\"_ _18\"> </span></span>52<span class=\"_ _8\"></span>2<span class=\"_ _53\"> </span></span><span style=\"display:inherit;clear:left;\">Akkumulerte a<span class=\"_ _1\"></span>v<span class=\"_ _1\"></span>skrivninger<span class=\"_ _f8\"> </span></span><span style=\"display:inherit;clear:left;\">522<span class=\"_ _12\"> </span><span class=\"ls120 ws1cb\">34<span class=\"_ _11\"> </span><span class=\"ls82 ws14b\">556</span></span></span><span style=\"display:inherit;clear:left;\">123<span class=\"_ _6f\"> </span></span><span style=\"display:inherit;clear:left;\">109<span class=\"_ _18\"> </span></span><span style=\"display:inherit;clear:left;\">232<span class=\"_ _53\"> </span></span><span style=\"display:inherit;clear:left;\">Balansef<span class=\"_ _1\"></span>\u00f8rt ver<span class=\"_ _1\"></span>di pr<span class=\"_ _0\"></span>. 31/12<span class=\"_ _1\"></span>-2<span class=\"_ _1\"></span>02<span class=\"_ _1\"></span>3<span class=\"_ _275\"> </span></span><span style=\"display:inherit;clear:left;\">123<span class=\"_ _6e\"> </span></span><span style=\"display:inherit;clear:left;\">1<span class=\"_ _8\"></span>29</span><span style=\"display:inherit;clear:left;\"><span class=\"_ _11\"> </span><span class=\"ls8 ws8\">2<span class=\"_ _8\"></span>52</span></span><span style=\"display:inherit;clear:left;\">Utviklet pr<span class=\"_ _1\"></span>ogram<span class=\"_ _1\"></span>var<span class=\"_ _1\"></span>e</span><span style=\"display:inherit;clear:left;\">Utvikling a<span class=\"_ _1\"></span>v pr<span class=\"_ _1\"></span>ogramv<span class=\"_ _1\"></span>are<span class=\"_ _1\"></span> balansef\u00f8r<span class=\"_ _1\"></span>es og klassifiser<span class=\"_ _1\"></span>es som imma<span class=\"_ _1\"></span>terielle<span class=\"_ _1\"></span> eiendeler dersom<span class=\"_ _1\"></span> verd<span class=\"_ _1\"></span>ien vurder<span class=\"_ _1\"></span>es som v<span class=\"_ _1\"></span>esentlig og<span class=\"_ _1\"></span> </span><span style=\"display:inherit;clear:left;\">eie<span class=\"_ _8\"></span>nde<span class=\"_ _8\"></span>len for<span class=\"_ _8\"></span>ve<span class=\"_ _8\"></span>ntes \u00e5 ha va<span class=\"_ _8\"></span>rig verd<span class=\"_ _8\"></span>i. Ved utv<span class=\"_ _8\"></span>ikl<span class=\"_ _8\"></span>ing av prog<span class=\"_ _8\"></span>ramvare ak<span class=\"_ _8\"></span>ti<span class=\"_ _8\"></span>veres b<span class=\"_ _8\"></span>ruk av eg<span class=\"_ _8\"></span>ne res<span class=\"_ _8\"></span>sur<span class=\"_ _8\"></span>ser s<span class=\"_ _8\"></span>\u00e5fremt p\u00e5l<span class=\"_ _8\"></span>\u00f8pte ut<span class=\"_ _8\"></span>g<span class=\"_ _8\"></span>ifte<span class=\"_ _8\"></span>r kan </span><span style=\"display:inherit;clear:left;\">m\u00e5les p\u00e5litelig. Utgifter til<span class=\"_ _1\"></span> blant anne<span class=\"_ _1\"></span>t forpr<span class=\"_ _1\"></span>osjektering, implementering<span class=\"_ _1\"></span> og oppl\u00e6ring k<span class=\"_ _1\"></span>ostnadsf<span class=\"_ _1\"></span>\u00f8res<span class=\"_ _1\"></span> l\u00f8pende. Balansef\u00f8rt </span><span style=\"display:inherit;clear:left;\">egenutviklet pr<span class=\"_ _1\"></span>ogramv<span class=\"_ _1\"></span>ar<span class=\"_ _1\"></span>e a<span class=\"_ _1\"></span>vskriv<span class=\"_ _1\"></span>es line\u00e6rt over<span class=\"_ _1\"></span> anta<span class=\"_ _1\"></span>tt lev<span class=\"_ _1\"></span>etid. A<span class=\"_ _1\"></span>vskrivni<span class=\"_ _1\"></span>ngene p\u00e5begynnes p\u00e5 det tid<span class=\"_ _1\"></span>spunktet progr<span class=\"_ _1\"></span>amv<span class=\"_ _1\"></span>aren<span class=\"_ _1\"></span> er </span><span style=\"display:inherit;clear:left;\">tilg<span class=\"_ _8\"></span>jengelig for bruk i selskapet, slik<span class=\"_ _1\"></span> at<span class=\"_ _1\"></span> programv<span class=\"_ _1\"></span>are<span class=\"_ _1\"></span> under utvikling er oppf\u00f8rt til k<span class=\"_ _1\"></span>ostpris inntil utvikling er f<span class=\"_ _1\"></span>erdigstilt.</span><span style=\"display:inherit;clear:left;\">Det v<span class=\"_ _8\"></span>urdere<span class=\"_ _8\"></span>s l\u00f8<span class=\"_ _8\"></span>pen<span class=\"_ _8\"></span>de hvor<span class=\"_ _8\"></span>vi<span class=\"_ _8\"></span>dt det fore<span class=\"_ _8\"></span>lig<span class=\"_ _8\"></span>ge<span class=\"_ _8\"></span>r beh<span class=\"_ _8\"></span>ov for ne<span class=\"_ _8\"></span>dskr<span class=\"_ _8\"></span>ivni<span class=\"_ _8\"></span>ng so<span class=\"_ _8\"></span>m f\u00f8lge av at verdi<span class=\"_ _8\"></span>en av forve<span class=\"_ _8\"></span>nted<span class=\"_ _8\"></span>e \u00f8kono<span class=\"_ _8\"></span>miske fo<span class=\"_ _8\"></span>rdele<span class=\"_ _8\"></span>r er </span><span style=\"display:inherit;clear:left;\">lav<span class=\"_ _1\"></span>ere<span class=\"_ _1\"></span> enn balanse<span class=\"_ _1\"></span>f\u00f8rt ver<span class=\"_ _1\"></span>di.</span><span style=\"display:inherit;clear:left;\"><span><span style=\"display:inherit;clear:left;\">Prog<span class=\"_ _8\"></span>ramvare/l<span class=\"_ _8\"></span>ise<span class=\"_ _8\"></span>nser avsk<span class=\"_ _8\"></span>rive<span class=\"_ _8\"></span>s lin<span class=\"_ _8\"></span>e\u00e6r<span class=\"_ _8\"></span>t over for<span class=\"_ _8\"></span>ve<span class=\"_ _8\"></span>ntet \u00f8kon<span class=\"_ _8\"></span>omis<span class=\"_ _8\"></span>k leveti<span class=\"_ _8\"></span>d som e<span class=\"_ _8\"></span>r est<span class=\"_ _8\"></span>ime<span class=\"_ _8\"></span>rt t<span class=\"_ _8\"></span>il 3 \u00e5r<span class=\"_ _1\"></span>.</span></span> </span><span style=\"display:inherit;clear:left;\">Goodwill</span><span style=\"display:inherit;clear:left;\">Go<span class=\"_ _8\"></span>odw<span class=\"_ _8\"></span>ill er fo<span class=\"_ _8\"></span>rskj<span class=\"_ _8\"></span>elle<span class=\"_ _8\"></span>n mel<span class=\"_ _8\"></span>lom a<span class=\"_ _8\"></span>nskaf<span class=\"_ _8\"></span>felse<span class=\"_ _8\"></span>skos<span class=\"_ _8\"></span>t ved kj<span class=\"_ _8\"></span>\u00f8p av virks<span class=\"_ _8\"></span>omh<span class=\"_ _8\"></span>et og v<span class=\"_ _8\"></span>irkeli<span class=\"_ _8\"></span>g verdi av kons<span class=\"_ _8\"></span>ern<span class=\"_ _8\"></span>ets an<span class=\"_ _8\"></span>del av net<span class=\"_ _8\"></span>to </span><span style=\"display:inherit;clear:left;\">identifiserbare<span class=\"_ _1\"></span> eiendeler i virk<span class=\"_ _1\"></span>somheten<span class=\"_ _1\"></span> p\u00e5 oppkj\u00f8pstidspunktet. Ov<span class=\"_ _1\"></span>ertatte eiendeler og<span class=\"_ _1\"></span> g<span class=\"_ _8\"></span>jeld balansef\u00f8r<span class=\"_ _1\"></span>es til vi<span class=\"_ _1\"></span>rkelig v<span class=\"_ _1\"></span>erdi<span class=\"_ _1\"></span> i </span><span style=\"display:inherit;clear:left;\">\u00e5pningsbalansen i<span class=\"_ _1\"></span> konserne<span class=\"_ _1\"></span>t. Dersom v<span class=\"_ _1\"></span>ederlaget o<span class=\"_ _1\"></span>vers<span class=\"_ _1\"></span>tiger v<span class=\"_ _1\"></span>erdien<span class=\"_ _1\"></span> av<span class=\"_ _1\"></span> identifiserte eiendeler og<span class=\"_ _1\"></span> forpliktelser<span class=\"_ _2\"></span>, r<span class=\"_ _1\"></span>egnskapsf\u00f8r<span class=\"_ _1\"></span>es </span><span style=\"display:inherit;clear:left;\">differ<span class=\"_ _1\"></span>ansen som g<span class=\"_ _1\"></span>oodwill. Dersom ans<span class=\"_ _1\"></span>kaffelsesk<span class=\"_ _1\"></span>ost er<span class=\"_ _1\"></span> la<span class=\"_ _1\"></span>ver<span class=\"_ _1\"></span>e enn iden<span class=\"_ _1\"></span>tifiserte eiendeler og f<span class=\"_ _1\"></span>orpliktelser (<span class=\"_ _1\"></span>negativ<span class=\"_ _1\"></span> goodwill)<span class=\"_ _1\"></span>, </span><span style=\"display:inherit;clear:left;\">resulta<span class=\"_ _1\"></span>tf\u00f8res<span class=\"_ _1\"></span> differan<span class=\"_ _1\"></span>sen p\u00e5 tr<span class=\"_ _1\"></span>ansaksjonstidspunktet.<span class=\"_ _1\"></span> </span><span style=\"display:inherit;clear:left;\">De enkel<span class=\"_ _1\"></span>te g<span class=\"_ _1\"></span>oodwillpostene i balan<span class=\"_ _1\"></span>sen er allok<span class=\"_ _1\"></span>ert til k<span class=\"_ _1\"></span>ontantstr<span class=\"_ _1\"></span>\u00f8mgenerer<span class=\"_ _1\"></span>ende enhet<span class=\"_ _1\"></span>er som n<span class=\"_ _1\"></span>yter g<span class=\"_ _1\"></span>odt a<span class=\"_ _1\"></span>v den<span class=\"_ _1\"></span> kj\u00f8pte<span class=\"_ _1\"></span> eiendelen. </span><span style=\"display:inherit;clear:left;\">Valg av vurde<span class=\"_ _8\"></span>ring<span class=\"_ _8\"></span>senh<span class=\"_ _8\"></span>et er g<span class=\"_ _a\"></span>jor<span class=\"_ _8\"></span>t ut f<span class=\"_ _8\"></span>ra hensy<span class=\"_ _8\"></span>n til hvor d<span class=\"_ _8\"></span>et er mu<span class=\"_ _8\"></span>lig \u00e5 i<span class=\"_ _8\"></span>dent<span class=\"_ _8\"></span>ifis<span class=\"_ _8\"></span>ere og s<span class=\"_ _8\"></span>kill<span class=\"_ _8\"></span>e ut uavhe<span class=\"_ _8\"></span>ng<span class=\"_ _8\"></span>ige kont<span class=\"_ _8\"></span>ant<span class=\"_ _8\"></span>str\u00f8m<span class=\"_ _8\"></span>mer k<span class=\"_ _8\"></span>nyt<span class=\"_ _8\"></span>tet </span><span style=\"display:inherit;clear:left;\">til virksomheten. Goodwill testes \u00e5rlig f<span class=\"_ _1\"></span>or ver<span class=\"_ _1\"></span>difall<span class=\"_ _1\"></span> og er balansef\u00f8rt til anska<span class=\"_ _1\"></span>ffelseskost med fr<span class=\"_ _1\"></span>adr<span class=\"_ _1\"></span>ag for nedskrivninger<span class=\"_ _2\"></span>. </span><span style=\"display:inherit;clear:left;\">Nedskrivingstest av<span class=\"_ _1\"></span> balansef\u00f8rt goodwill g<span class=\"_ _8\"></span>jennomf\u00f8res v<span class=\"_ _1\"></span>ed neddiskontering a<span class=\"_ _1\"></span>v<span class=\"_ _1\"></span> forventede fr<span class=\"_ _1\"></span>emtidige k<span class=\"_ _1\"></span>ontantstr\u00f8mmer fr<span class=\"_ _1\"></span>a </span><span style=\"display:inherit;clear:left;\">vurderingsenhetene. Dersom nedskrivingstesten identifiserer<span class=\"_ _1\"></span> et nedskrivingsbehov nedskrives goodwill til<span class=\"_ _1\"></span> g<span class=\"_ _8\"></span>jenvinnbart bel\u00f8p, </span><span style=\"display:inherit;clear:left;\">herunder bruksverdi.<span class=\"_ _1\"></span> Nedskriving av g<span class=\"_ _1\"></span>oodwill rev<span class=\"_ _1\"></span>erseres ikk<span class=\"_ _1\"></span>e.</span><span style=\"display:inherit;clear:left;\">T<span class=\"_ _2\"></span>abellen under viser de ul<span class=\"_ _1\"></span>ike<span class=\"_ _1\"></span> vurderingsenhe<span class=\"_ _1\"></span>tene og<span class=\"_ _1\"></span> balansef\u00f8rt v<span class=\"_ _1\"></span>erdi p\u00e5<span class=\"_ _1\"></span> goodwill<span class=\"_ _1\"></span> i hv<span class=\"_ _1\"></span>er enhe<span class=\"_ _1\"></span>t. </span><span style=\"display:inherit;clear:left;\">MORBANK<span class=\"_ _2c5\"> </span>K<span class=\"_ _1\"></span>ONSERN</span><span style=\"display:inherit;clear:left;\">31/12<span class=\"_ _1\"></span>-22<span class=\"_ _10e\"> </span>31/12<span class=\"_ _1\"></span>-2<span class=\"_ _1\"></span>3<span class=\"_ _b9\"> </span>Vur<span class=\"_ _1\"></span>deringsenhe<span class=\"_ _1\"></span>t<span class=\"_ _41\"> </span>Begrunnelse for v<span class=\"_ _1\"></span>alg a<span class=\"_ _2\"></span>v vurderingsenhe<span class=\"_ _1\"></span>t<span class=\"_ _78\"> </span>31/12-<span class=\"_ _1\"></span>23<span class=\"_ _19\"> </span>31/12-<span class=\"_ _1\"></span>22</span><span style=\"display:inherit;clear:left;\">Bedriftsmarked Region Sogn </span><span style=\"display:inherit;clear:left;\">Goodwill fra oppkj\u00f8pe<span class=\"_ _1\"></span>t a<span class=\"_ _1\"></span>v F<span class=\"_ _2\"></span>okus Bank i Sogn og </span><span style=\"display:inherit;clear:left;\">og Fjordane.<span class=\"_ _1\"></span> Personmark<span class=\"_ _1\"></span>ed </span><span style=\"display:inherit;clear:left;\">Fjordane inng<span class=\"_ _1\"></span>\u00e5r i den samlede virksomhe<span class=\"_ _1\"></span>ten til </span><span style=\"display:inherit;clear:left;\">82<span class=\"_ _3e\"> </span>82</span><span style=\"display:inherit;clear:left;\">Region Nord</span><span style=\"display:inherit;clear:left;\">BM Sogn og Fjordane o<span class=\"_ _1\"></span>g PM Nord.<span class=\"_ _16a\"> </span><span class=\"ls138 ws1e5\">82<span class=\"_ _96\"> </span>82</span></span><span style=\"display:inherit;clear:left;\">Bedriftsmarked Region </span><span style=\"display:inherit;clear:left;\">Goodwill fra oppkj\u00f8pe<span class=\"_ _1\"></span>t a<span class=\"_ _1\"></span>v Sauda Spar<span class=\"_ _1\"></span>ebank </span><span style=\"display:inherit;clear:left;\">Sunnhordland. P<span class=\"_ _1\"></span>er<span class=\"_ _1\"></span>sonmarked </span><span style=\"display:inherit;clear:left;\">inng\u00e5r i den samlede virksomhe<span class=\"_ _1\"></span>ten til BM Sun-</span><span style=\"display:inherit;clear:left;\">27<span class=\"_ _75\"> </span>27</span><span style=\"display:inherit;clear:left;\">Region S\u00f8r</span><span style=\"display:inherit;clear:left;\">nhordland og PM S\u00f8r<span class=\"_ _18e\"> </span><span class=\"ls13 ws13\">27<span class=\"_ _3d\"> </span>27</span></span><span style=\"display:inherit;clear:left;\">Eiendomsmegler V<span class=\"_ _2\"></span>est AS<span class=\"_ _74\"> </span></span><span style=\"display:inherit;clear:left;\">Selskap oppkj\u00f8pt a<span class=\"_ _2\"></span>v Eiendomsmegler V<span class=\"_ _1\"></span>est AS<span class=\"_ _48\"> </span><span class=\"ls125 ws1cf\">20<span class=\"_ _96\"> </span><span class=\"ls83 wsdd\">25</span></span></span><span style=\"display:inherit;clear:left;\">109<span class=\"_ _1b\"> </span>109<span class=\"_ _11a\"> </span></span><span style=\"display:inherit;clear:left;\">Sum goodwill<span class=\"_ _26b\"> </span><span class=\"ls139 ws1e6\">129<span class=\"_ _17\"> </span></span></span><span style=\"display:inherit;clear:left;\">134</span><span style=\"display:inherit;clear:left;\">T<span class=\"_ _0\"></span>esting a<span class=\"_ _1\"></span>v v<span class=\"_ _1\"></span>er<span class=\"_ _1\"></span>dier</span><span style=\"display:inherit;clear:left;\">Nedskrivningstest a<span class=\"_ _1\"></span>v<span class=\"_ _1\"></span> balansef\u00f8rt g<span class=\"_ _1\"></span>oodwill g<span class=\"_ _8\"></span>jennomf\u00f8r<span class=\"_ _1\"></span>es v<span class=\"_ _1\"></span>ed en neddisk<span class=\"_ _1\"></span>onteri<span class=\"_ _1\"></span>ng a<span class=\"_ _1\"></span>v f<span class=\"_ _1\"></span>orventede f<span class=\"_ _1\"></span>remtidig<span class=\"_ _1\"></span>e k<span class=\"_ _1\"></span>ontantstr\u00f8mmer<span class=\"_ _1\"></span> fr<span class=\"_ _1\"></span>a </span><span style=\"display:inherit;clear:left;\">vurderingsenhe<span class=\"_ _1\"></span>tene. K<span class=\"_ _1\"></span>ontantstr<span class=\"_ _1\"></span>\u00f8mmene tar utgangspunkt i<span class=\"_ _1\"></span> historisk<span class=\"_ _1\"></span>e r<span class=\"_ _1\"></span>esultat<span class=\"_ _1\"></span>er fr<span class=\"_ _1\"></span>a h<span class=\"_ _1\"></span>ver e<span class=\"_ _1\"></span>nkelt<span class=\"_ _1\"></span> vurderingsenhe<span class=\"_ _1\"></span>t. Disk<span class=\"_ _1\"></span>onterings<span class=\"_ _1\"></span>-</span><span style=\"display:inherit;clear:left;\">faktoren<span class=\"_ _1\"></span> er basert p\u00e5 en<span class=\"_ _1\"></span> vurdering<span class=\"_ _1\"></span> av<span class=\"_ _1\"></span> hv<span class=\"_ _1\"></span>a som<span class=\"_ _1\"></span> er mark<span class=\"_ _1\"></span>edets a<span class=\"_ _1\"></span>vkastningskr<span class=\"_ _1\"></span>a<span class=\"_ _1\"></span>v f<span class=\"_ _1\"></span>or den type virk<span class=\"_ _1\"></span>somhet som<span class=\"_ _1\"></span> inng\u00e5r i vur<span class=\"_ _1\"></span>derings<span class=\"_ _1\"></span>-</span><span style=\"display:inherit;clear:left;\">enheten.<span class=\"_ _1\"></span> Dette a<span class=\"_ _1\"></span>vkastningskr<span class=\"_ _1\"></span>a<span class=\"_ _1\"></span>vet<span class=\"_ _1\"></span> re<span class=\"_ _1\"></span>flekterer risik<span class=\"_ _1\"></span>oen i vi<span class=\"_ _1\"></span>rksomheten.<span class=\"_ _1\"></span> Nedskrivningstestene<span class=\"_ _1\"></span> er g<span class=\"_ _8\"></span>jennomf<span class=\"_ _1\"></span>\u00f8rt p\u00e5 kon<span class=\"_ _1\"></span>tantstr\u00f8mmer<span class=\"_ _1\"></span> </span><span style=\"display:inherit;clear:left;\">ette<span class=\"_ _8\"></span>r skat<span class=\"_ _8\"></span>t. T<span class=\"_ _1\"></span>esten<span class=\"_ _8\"></span>e har i<span class=\"_ _8\"></span>kke avdekket b<span class=\"_ _8\"></span>ehov fo<span class=\"_ _8\"></span>r neds<span class=\"_ _8\"></span>kri<span class=\"_ _8\"></span>vnin<span class=\"_ _8\"></span>g av bok<span class=\"_ _8\"></span>f\u00f8r<span class=\"_ _8\"></span>t goo<span class=\"_ _8\"></span>dwil<span class=\"_ _8\"></span>l i mor<span class=\"_ _8\"></span>ban<span class=\"_ _8\"></span>k elle<span class=\"_ _8\"></span>r konse<span class=\"_ _8\"></span>rn p<span class=\"_ _8\"></span>er 31. d<span class=\"_ _8\"></span>ese<span class=\"_ _8\"></span>mb<span class=\"_ _8\"></span>er 2023.</span><span style=\"display:inherit;clear:left;\">Sentr<span class=\"_ _1\"></span>ale f<span class=\"_ _1\"></span>orutse<span class=\"_ _1\"></span>tninger f<span class=\"_ _1\"></span>or ne<span class=\"_ _1\"></span>dskrivningst<span class=\"_ _1\"></span>es<span class=\"_ _1\"></span>t</span><span style=\"display:inherit;clear:left;\">Vur<span class=\"_ _1\"></span>deringsenhet<span class=\"_ _2c6\"> </span></span><span style=\"display:inherit;clear:left;\">A<span class=\"_ _1\"></span>vkas<span class=\"_ _1\"></span>tningskr<span class=\"_ _1\"></span>a<span class=\"_ _1\"></span>v f<span class=\"_ _1\"></span>\u00f8r ska<span class=\"_ _2\"></span>tt</span><span style=\"display:inherit;clear:left;\">Per<span class=\"_ _1\"></span>son- og bedriftsmarke<span class=\"_ _1\"></span>d Region Sogn og Fjordane<span class=\"_ _2af\"> </span>11,<span class=\"_ _1\"></span>50 %</span><span style=\"display:inherit;clear:left;\">Per<span class=\"_ _1\"></span>son- og bedriftsmarke<span class=\"_ _1\"></span>d Region Rogaland/Sunnhordland<span class=\"_ _140\"> </span>11,50 %</span><span style=\"display:inherit;clear:left;\">Eiendomsmegler V<span class=\"_ _2\"></span>est AS<span class=\"_ _19f\"> </span>14,00 %</span>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfIntangibleAssetsAndGoodwillExplanatory",
    "language": "no",
    "entity": "scheme:213800M7T3CYVZ3ZRT12",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "s10_notes__6__81": {
   "value": "<span style=\"display:inherit;clear:left;\">Utviklet pr<span class=\"_ _1\"></span>ogram<span class=\"_ _1\"></span>var<span class=\"_ _1\"></span>e</span><span style=\"display:inherit;clear:left;\">Utvikling a<span class=\"_ _1\"></span>v pr<span class=\"_ _1\"></span>ogramv<span class=\"_ _1\"></span>are<span class=\"_ _1\"></span> balansef\u00f8r<span class=\"_ _1\"></span>es og klassifiser<span class=\"_ _1\"></span>es som imma<span class=\"_ _1\"></span>terielle<span class=\"_ _1\"></span> eiendeler dersom<span class=\"_ _1\"></span> verd<span class=\"_ _1\"></span>ien vurder<span class=\"_ _1\"></span>es som v<span class=\"_ _1\"></span>esentlig og<span class=\"_ _1\"></span> </span><span style=\"display:inherit;clear:left;\">eie<span class=\"_ _8\"></span>nde<span class=\"_ _8\"></span>len for<span class=\"_ _8\"></span>ve<span class=\"_ _8\"></span>ntes \u00e5 ha va<span class=\"_ _8\"></span>rig verd<span class=\"_ _8\"></span>i. Ved utv<span class=\"_ _8\"></span>ikl<span class=\"_ _8\"></span>ing av prog<span class=\"_ _8\"></span>ramvare ak<span class=\"_ _8\"></span>ti<span class=\"_ _8\"></span>veres b<span class=\"_ _8\"></span>ruk av eg<span class=\"_ _8\"></span>ne res<span class=\"_ _8\"></span>sur<span class=\"_ _8\"></span>ser s<span class=\"_ _8\"></span>\u00e5fremt p\u00e5l<span class=\"_ _8\"></span>\u00f8pte ut<span class=\"_ _8\"></span>g<span class=\"_ _8\"></span>ifte<span class=\"_ _8\"></span>r kan </span><span style=\"display:inherit;clear:left;\">m\u00e5les p\u00e5litelig. Utgifter til<span class=\"_ _1\"></span> blant anne<span class=\"_ _1\"></span>t forpr<span class=\"_ _1\"></span>osjektering, implementering<span class=\"_ _1\"></span> og oppl\u00e6ring k<span class=\"_ _1\"></span>ostnadsf<span class=\"_ _1\"></span>\u00f8res<span class=\"_ _1\"></span> l\u00f8pende. Balansef\u00f8rt </span><span style=\"display:inherit;clear:left;\">egenutviklet pr<span class=\"_ _1\"></span>ogramv<span class=\"_ _1\"></span>ar<span class=\"_ _1\"></span>e a<span class=\"_ _1\"></span>vskriv<span class=\"_ _1\"></span>es line\u00e6rt over<span class=\"_ _1\"></span> anta<span class=\"_ _1\"></span>tt lev<span class=\"_ _1\"></span>etid. A<span class=\"_ _1\"></span>vskrivni<span class=\"_ _1\"></span>ngene p\u00e5begynnes p\u00e5 det tid<span class=\"_ _1\"></span>spunktet progr<span class=\"_ _1\"></span>amv<span class=\"_ _1\"></span>aren<span class=\"_ _1\"></span> er </span><span style=\"display:inherit;clear:left;\">tilg<span class=\"_ _8\"></span>jengelig for bruk i selskapet, slik<span class=\"_ _1\"></span> at<span class=\"_ _1\"></span> programv<span class=\"_ _1\"></span>are<span class=\"_ _1\"></span> under utvikling er oppf\u00f8rt til k<span class=\"_ _1\"></span>ostpris inntil utvikling er f<span class=\"_ _1\"></span>erdigstilt.</span><span style=\"display:inherit;clear:left;\">Det v<span class=\"_ _8\"></span>urdere<span class=\"_ _8\"></span>s l\u00f8<span class=\"_ _8\"></span>pen<span class=\"_ _8\"></span>de hvor<span class=\"_ _8\"></span>vi<span class=\"_ _8\"></span>dt det fore<span class=\"_ _8\"></span>lig<span class=\"_ _8\"></span>ge<span class=\"_ _8\"></span>r beh<span class=\"_ _8\"></span>ov for ne<span class=\"_ _8\"></span>dskr<span class=\"_ _8\"></span>ivni<span class=\"_ _8\"></span>ng so<span class=\"_ _8\"></span>m f\u00f8lge av at verdi<span class=\"_ _8\"></span>en av forve<span class=\"_ _8\"></span>nted<span class=\"_ _8\"></span>e \u00f8kono<span class=\"_ _8\"></span>miske fo<span class=\"_ _8\"></span>rdele<span class=\"_ _8\"></span>r er </span><span style=\"display:inherit;clear:left;\">lav<span class=\"_ _1\"></span>ere<span class=\"_ _1\"></span> enn balanse<span class=\"_ _1\"></span>f\u00f8rt ver<span class=\"_ _1\"></span>di.</span><span style=\"display:inherit;clear:left;\">Prog<span class=\"_ _8\"></span>ramvare/l<span class=\"_ _8\"></span>ise<span class=\"_ _8\"></span>nser avsk<span class=\"_ _8\"></span>rive<span class=\"_ _8\"></span>s lin<span class=\"_ _8\"></span>e\u00e6r<span class=\"_ _8\"></span>t over for<span class=\"_ _8\"></span>ve<span class=\"_ _8\"></span>ntet \u00f8kon<span class=\"_ _8\"></span>omis<span class=\"_ _8\"></span>k leveti<span class=\"_ _8\"></span>d som e<span class=\"_ _8\"></span>r est<span class=\"_ _8\"></span>ime<span class=\"_ _8\"></span>rt t<span class=\"_ _8\"></span>il 3 \u00e5r<span class=\"_ _1\"></span>.</span>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForIntangibleAssetsOtherThanGoodwillExplanatory",
    "language": "no",
    "entity": "scheme:213800M7T3CYVZ3ZRT12",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "s10_notes__6__83": {
   "value": "<span style=\"display:inherit;clear:left;\">Goodwill</span><span style=\"display:inherit;clear:left;\">Go<span class=\"_ _8\"></span>odw<span class=\"_ _8\"></span>ill er fo<span class=\"_ _8\"></span>rskj<span class=\"_ _8\"></span>elle<span class=\"_ _8\"></span>n mel<span class=\"_ _8\"></span>lom a<span class=\"_ _8\"></span>nskaf<span class=\"_ _8\"></span>felse<span class=\"_ _8\"></span>skos<span class=\"_ _8\"></span>t ved kj<span class=\"_ _8\"></span>\u00f8p av virks<span class=\"_ _8\"></span>omh<span class=\"_ _8\"></span>et og v<span class=\"_ _8\"></span>irkeli<span class=\"_ _8\"></span>g verdi av kons<span class=\"_ _8\"></span>ern<span class=\"_ _8\"></span>ets an<span class=\"_ _8\"></span>del av net<span class=\"_ _8\"></span>to </span><span style=\"display:inherit;clear:left;\">identifiserbare<span class=\"_ _1\"></span> eiendeler i virk<span class=\"_ _1\"></span>somheten<span class=\"_ _1\"></span> p\u00e5 oppkj\u00f8pstidspunktet. Ov<span class=\"_ _1\"></span>ertatte eiendeler og<span class=\"_ _1\"></span> g<span class=\"_ _8\"></span>jeld balansef\u00f8r<span class=\"_ _1\"></span>es til vi<span class=\"_ _1\"></span>rkelig v<span class=\"_ _1\"></span>erdi<span class=\"_ _1\"></span> i </span><span style=\"display:inherit;clear:left;\">\u00e5pningsbalansen i<span class=\"_ _1\"></span> konserne<span class=\"_ _1\"></span>t. Dersom v<span class=\"_ _1\"></span>ederlaget o<span class=\"_ _1\"></span>vers<span class=\"_ _1\"></span>tiger v<span class=\"_ _1\"></span>erdien<span class=\"_ _1\"></span> av<span class=\"_ _1\"></span> identifiserte eiendeler og<span class=\"_ _1\"></span> forpliktelser<span class=\"_ _2\"></span>, r<span class=\"_ _1\"></span>egnskapsf\u00f8r<span class=\"_ _1\"></span>es </span><span style=\"display:inherit;clear:left;\">differ<span class=\"_ _1\"></span>ansen som g<span class=\"_ _1\"></span>oodwill. Dersom ans<span class=\"_ _1\"></span>kaffelsesk<span class=\"_ _1\"></span>ost er<span class=\"_ _1\"></span> la<span class=\"_ _1\"></span>ver<span class=\"_ _1\"></span>e enn iden<span class=\"_ _1\"></span>tifiserte eiendeler og f<span class=\"_ _1\"></span>orpliktelser (<span class=\"_ _1\"></span>negativ<span class=\"_ _1\"></span> goodwill)<span class=\"_ _1\"></span>, </span><span style=\"display:inherit;clear:left;\">resulta<span class=\"_ _1\"></span>tf\u00f8res<span class=\"_ _1\"></span> differan<span class=\"_ _1\"></span>sen p\u00e5 tr<span class=\"_ _1\"></span>ansaksjonstidspunktet.<span class=\"_ _1\"></span> </span><span style=\"display:inherit;clear:left;\">De enkel<span class=\"_ _1\"></span>te g<span class=\"_ _1\"></span>oodwillpostene i balan<span class=\"_ _1\"></span>sen er allok<span class=\"_ _1\"></span>ert til k<span class=\"_ _1\"></span>ontantstr<span class=\"_ _1\"></span>\u00f8mgenerer<span class=\"_ _1\"></span>ende enhet<span class=\"_ _1\"></span>er som n<span class=\"_ _1\"></span>yter g<span class=\"_ _1\"></span>odt a<span class=\"_ _1\"></span>v den<span class=\"_ _1\"></span> kj\u00f8pte<span class=\"_ _1\"></span> eiendelen. </span><span style=\"display:inherit;clear:left;\">Valg av vurde<span class=\"_ _8\"></span>ring<span class=\"_ _8\"></span>senh<span class=\"_ _8\"></span>et er g<span class=\"_ _a\"></span>jor<span class=\"_ _8\"></span>t ut f<span class=\"_ _8\"></span>ra hensy<span class=\"_ _8\"></span>n til hvor d<span class=\"_ _8\"></span>et er mu<span class=\"_ _8\"></span>lig \u00e5 i<span class=\"_ _8\"></span>dent<span class=\"_ _8\"></span>ifis<span class=\"_ _8\"></span>ere og s<span class=\"_ _8\"></span>kill<span class=\"_ _8\"></span>e ut uavhe<span class=\"_ _8\"></span>ng<span class=\"_ _8\"></span>ige kont<span class=\"_ _8\"></span>ant<span class=\"_ _8\"></span>str\u00f8m<span class=\"_ _8\"></span>mer k<span class=\"_ _8\"></span>nyt<span class=\"_ _8\"></span>tet </span><span style=\"display:inherit;clear:left;\">til virksomheten. Goodwill testes \u00e5rlig f<span class=\"_ _1\"></span>or ver<span class=\"_ _1\"></span>difall<span class=\"_ _1\"></span> og er balansef\u00f8rt til anska<span class=\"_ _1\"></span>ffelseskost med fr<span class=\"_ _1\"></span>adr<span class=\"_ _1\"></span>ag for nedskrivninger<span class=\"_ _2\"></span>. </span><span style=\"display:inherit;clear:left;\">Nedskrivingstest av<span class=\"_ _1\"></span> balansef\u00f8rt goodwill g<span class=\"_ _8\"></span>jennomf\u00f8res v<span class=\"_ _1\"></span>ed neddiskontering a<span class=\"_ _1\"></span>v<span class=\"_ _1\"></span> forventede fr<span class=\"_ _1\"></span>emtidige k<span class=\"_ _1\"></span>ontantstr\u00f8mmer fr<span class=\"_ _1\"></span>a </span><span style=\"display:inherit;clear:left;\">vurderingsenhetene. Dersom nedskrivingstesten identifiserer<span class=\"_ _1\"></span> et nedskrivingsbehov nedskrives goodwill til<span class=\"_ _1\"></span> g<span class=\"_ _8\"></span>jenvinnbart bel\u00f8p, </span><span style=\"display:inherit;clear:left;\">herunder bruksverdi.<span class=\"_ _1\"></span> Nedskriving av g<span class=\"_ _1\"></span>oodwill rev<span class=\"_ _1\"></span>erseres ikk<span class=\"_ _1\"></span>e.</span><span style=\"display:inherit;clear:left;\">T<span class=\"_ _0\"></span>esting a<span class=\"_ _1\"></span>v v<span class=\"_ _1\"></span>er<span class=\"_ _1\"></span>dier</span><span style=\"display:inherit;clear:left;\">Nedskrivningstest a<span class=\"_ _1\"></span>v<span class=\"_ _1\"></span> balansef\u00f8rt g<span class=\"_ _1\"></span>oodwill g<span class=\"_ _8\"></span>jennomf\u00f8r<span class=\"_ _1\"></span>es v<span class=\"_ _1\"></span>ed en neddisk<span class=\"_ _1\"></span>onteri<span class=\"_ _1\"></span>ng a<span class=\"_ _1\"></span>v f<span class=\"_ _1\"></span>orventede f<span class=\"_ _1\"></span>remtidig<span class=\"_ _1\"></span>e k<span class=\"_ _1\"></span>ontantstr\u00f8mmer<span class=\"_ _1\"></span> fr<span class=\"_ _1\"></span>a </span><span style=\"display:inherit;clear:left;\">vurderingsenhe<span class=\"_ _1\"></span>tene. K<span class=\"_ _1\"></span>ontantstr<span class=\"_ _1\"></span>\u00f8mmene tar utgangspunkt i<span class=\"_ _1\"></span> historisk<span class=\"_ _1\"></span>e r<span class=\"_ _1\"></span>esultat<span class=\"_ _1\"></span>er fr<span class=\"_ _1\"></span>a h<span class=\"_ _1\"></span>ver e<span class=\"_ _1\"></span>nkelt<span class=\"_ _1\"></span> vurderingsenhe<span class=\"_ _1\"></span>t. Disk<span class=\"_ _1\"></span>onterings<span class=\"_ _1\"></span>-</span><span style=\"display:inherit;clear:left;\">faktoren<span class=\"_ _1\"></span> er basert p\u00e5 en<span class=\"_ _1\"></span> vurdering<span class=\"_ _1\"></span> av<span class=\"_ _1\"></span> hv<span class=\"_ _1\"></span>a som<span class=\"_ _1\"></span> er mark<span class=\"_ _1\"></span>edets a<span class=\"_ _1\"></span>vkastningskr<span class=\"_ _1\"></span>a<span class=\"_ _1\"></span>v f<span class=\"_ _1\"></span>or den type virk<span class=\"_ _1\"></span>somhet som<span class=\"_ _1\"></span> inng\u00e5r i vur<span class=\"_ _1\"></span>derings<span class=\"_ _1\"></span>-</span><span style=\"display:inherit;clear:left;\">enheten.<span class=\"_ _1\"></span> Dette a<span class=\"_ _1\"></span>vkastningskr<span class=\"_ _1\"></span>a<span class=\"_ _1\"></span>vet<span class=\"_ _1\"></span> re<span class=\"_ _1\"></span>flekterer risik<span class=\"_ _1\"></span>oen i vi<span class=\"_ _1\"></span>rksomheten.<span class=\"_ _1\"></span> Nedskrivningstestene<span class=\"_ _1\"></span> er g<span class=\"_ _8\"></span>jennomf<span class=\"_ _1\"></span>\u00f8rt p\u00e5 kon<span class=\"_ _1\"></span>tantstr\u00f8mmer<span class=\"_ _1\"></span> </span><span style=\"display:inherit;clear:left;\">ette<span class=\"_ _8\"></span>r skat<span class=\"_ _8\"></span>t. T<span class=\"_ _1\"></span>esten<span class=\"_ _8\"></span>e har i<span class=\"_ _8\"></span>kke avdekket b<span class=\"_ _8\"></span>ehov fo<span class=\"_ _8\"></span>r neds<span class=\"_ _8\"></span>kri<span class=\"_ _8\"></span>vnin<span class=\"_ _8\"></span>g av bok<span class=\"_ _8\"></span>f\u00f8r<span class=\"_ _8\"></span>t goo<span class=\"_ _8\"></span>dwil<span class=\"_ _8\"></span>l i mor<span class=\"_ _8\"></span>ban<span class=\"_ _8\"></span>k elle<span class=\"_ _8\"></span>r konse<span class=\"_ _8\"></span>rn p<span class=\"_ _8\"></span>er 31. d<span class=\"_ _8\"></span>ese<span class=\"_ _8\"></span>mb<span class=\"_ _8\"></span>er 2023.</span>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForGoodwillExplanatory",
    "language": "no",
    "entity": "scheme:213800M7T3CYVZ3ZRT12",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "s10_notes__6__82": {
   "value": "<span style=\"display:inherit;clear:left;\">Goodwill</span><span style=\"display:inherit;clear:left;\">Go<span class=\"_ _8\"></span>odw<span class=\"_ _8\"></span>ill er fo<span class=\"_ _8\"></span>rskj<span class=\"_ _8\"></span>elle<span class=\"_ _8\"></span>n mel<span class=\"_ _8\"></span>lom a<span class=\"_ _8\"></span>nskaf<span class=\"_ _8\"></span>felse<span class=\"_ _8\"></span>skos<span class=\"_ _8\"></span>t ved kj<span class=\"_ _8\"></span>\u00f8p av virks<span class=\"_ _8\"></span>omh<span class=\"_ _8\"></span>et og v<span class=\"_ _8\"></span>irkeli<span class=\"_ _8\"></span>g verdi av kons<span class=\"_ _8\"></span>ern<span class=\"_ _8\"></span>ets an<span class=\"_ _8\"></span>del av net<span class=\"_ _8\"></span>to </span><span style=\"display:inherit;clear:left;\">identifiserbare<span class=\"_ _1\"></span> eiendeler i virk<span class=\"_ _1\"></span>somheten<span class=\"_ _1\"></span> p\u00e5 oppkj\u00f8pstidspunktet. Ov<span class=\"_ _1\"></span>ertatte eiendeler og<span class=\"_ _1\"></span> g<span class=\"_ _8\"></span>jeld balansef\u00f8r<span class=\"_ _1\"></span>es til vi<span class=\"_ _1\"></span>rkelig v<span class=\"_ _1\"></span>erdi<span class=\"_ _1\"></span> i </span><span style=\"display:inherit;clear:left;\">\u00e5pningsbalansen i<span class=\"_ _1\"></span> konserne<span class=\"_ _1\"></span>t. Dersom v<span class=\"_ _1\"></span>ederlaget o<span class=\"_ _1\"></span>vers<span class=\"_ _1\"></span>tiger v<span class=\"_ _1\"></span>erdien<span class=\"_ _1\"></span> av<span class=\"_ _1\"></span> identifiserte eiendeler og<span class=\"_ _1\"></span> forpliktelser<span class=\"_ _2\"></span>, r<span class=\"_ _1\"></span>egnskapsf\u00f8r<span class=\"_ _1\"></span>es </span><span style=\"display:inherit;clear:left;\">differ<span class=\"_ _1\"></span>ansen som g<span class=\"_ _1\"></span>oodwill. Dersom ans<span class=\"_ _1\"></span>kaffelsesk<span class=\"_ _1\"></span>ost er<span class=\"_ _1\"></span> la<span class=\"_ _1\"></span>ver<span class=\"_ _1\"></span>e enn iden<span class=\"_ _1\"></span>tifiserte eiendeler og f<span class=\"_ _1\"></span>orpliktelser (<span class=\"_ _1\"></span>negativ<span class=\"_ _1\"></span> goodwill)<span class=\"_ _1\"></span>, </span><span style=\"display:inherit;clear:left;\">resulta<span class=\"_ _1\"></span>tf\u00f8res<span class=\"_ _1\"></span> differan<span class=\"_ _1\"></span>sen p\u00e5 tr<span class=\"_ _1\"></span>ansaksjonstidspunktet.<span class=\"_ _1\"></span> </span><span style=\"display:inherit;clear:left;\">De enkel<span class=\"_ _1\"></span>te g<span class=\"_ _1\"></span>oodwillpostene i balan<span class=\"_ _1\"></span>sen er allok<span class=\"_ _1\"></span>ert til k<span class=\"_ _1\"></span>ontantstr<span class=\"_ _1\"></span>\u00f8mgenerer<span class=\"_ _1\"></span>ende enhet<span class=\"_ _1\"></span>er som n<span class=\"_ _1\"></span>yter g<span class=\"_ _1\"></span>odt a<span class=\"_ _1\"></span>v den<span class=\"_ _1\"></span> kj\u00f8pte<span class=\"_ _1\"></span> eiendelen. </span><span style=\"display:inherit;clear:left;\">Valg av vurde<span class=\"_ _8\"></span>ring<span class=\"_ _8\"></span>senh<span class=\"_ _8\"></span>et er g<span class=\"_ _a\"></span>jor<span class=\"_ _8\"></span>t ut f<span class=\"_ _8\"></span>ra hensy<span class=\"_ _8\"></span>n til hvor d<span class=\"_ _8\"></span>et er mu<span class=\"_ _8\"></span>lig \u00e5 i<span class=\"_ _8\"></span>dent<span class=\"_ _8\"></span>ifis<span class=\"_ _8\"></span>ere og s<span class=\"_ _8\"></span>kill<span class=\"_ _8\"></span>e ut uavhe<span class=\"_ _8\"></span>ng<span class=\"_ _8\"></span>ige kont<span class=\"_ _8\"></span>ant<span class=\"_ _8\"></span>str\u00f8m<span class=\"_ _8\"></span>mer k<span class=\"_ _8\"></span>nyt<span class=\"_ _8\"></span>tet </span><span style=\"display:inherit;clear:left;\">til virksomheten. Goodwill testes \u00e5rlig f<span class=\"_ _1\"></span>or ver<span class=\"_ _1\"></span>difall<span class=\"_ _1\"></span> og er balansef\u00f8rt til anska<span class=\"_ _1\"></span>ffelseskost med fr<span class=\"_ _1\"></span>adr<span class=\"_ _1\"></span>ag for nedskrivninger<span class=\"_ _2\"></span>. </span><span style=\"display:inherit;clear:left;\">Nedskrivingstest av<span class=\"_ _1\"></span> balansef\u00f8rt goodwill g<span class=\"_ _8\"></span>jennomf\u00f8res v<span class=\"_ _1\"></span>ed neddiskontering a<span class=\"_ _1\"></span>v<span class=\"_ _1\"></span> forventede fr<span class=\"_ _1\"></span>emtidige k<span class=\"_ _1\"></span>ontantstr\u00f8mmer fr<span class=\"_ _1\"></span>a </span><span style=\"display:inherit;clear:left;\">vurderingsenhetene. Dersom nedskrivingstesten identifiserer<span class=\"_ _1\"></span> et nedskrivingsbehov nedskrives goodwill til<span class=\"_ _1\"></span> g<span class=\"_ _8\"></span>jenvinnbart bel\u00f8p, </span><span style=\"display:inherit;clear:left;\">herunder bruksverdi.<span class=\"_ _1\"></span> Nedskriving av g<span class=\"_ _1\"></span>oodwill rev<span class=\"_ _1\"></span>erseres ikk<span class=\"_ _1\"></span>e.</span><span style=\"display:inherit;clear:left;\">T<span class=\"_ _0\"></span>esting a<span class=\"_ _1\"></span>v v<span class=\"_ _1\"></span>er<span class=\"_ _1\"></span>dier</span><span style=\"display:inherit;clear:left;\">Nedskrivningstest a<span class=\"_ _1\"></span>v<span class=\"_ _1\"></span> balansef\u00f8rt g<span class=\"_ _1\"></span>oodwill g<span class=\"_ _8\"></span>jennomf\u00f8r<span class=\"_ _1\"></span>es v<span class=\"_ _1\"></span>ed en neddisk<span class=\"_ _1\"></span>onteri<span class=\"_ _1\"></span>ng a<span class=\"_ _1\"></span>v f<span class=\"_ _1\"></span>orventede f<span class=\"_ _1\"></span>remtidig<span class=\"_ _1\"></span>e k<span class=\"_ _1\"></span>ontantstr\u00f8mmer<span class=\"_ _1\"></span> fr<span class=\"_ _1\"></span>a </span><span style=\"display:inherit;clear:left;\">vurderingsenhe<span class=\"_ _1\"></span>tene. K<span class=\"_ _1\"></span>ontantstr<span class=\"_ _1\"></span>\u00f8mmene tar utgangspunkt i<span class=\"_ _1\"></span> historisk<span class=\"_ _1\"></span>e r<span class=\"_ _1\"></span>esultat<span class=\"_ _1\"></span>er fr<span class=\"_ _1\"></span>a h<span class=\"_ _1\"></span>ver e<span class=\"_ _1\"></span>nkelt<span class=\"_ _1\"></span> vurderingsenhe<span class=\"_ _1\"></span>t. Disk<span class=\"_ _1\"></span>onterings<span class=\"_ _1\"></span>-</span><span style=\"display:inherit;clear:left;\">faktoren<span class=\"_ _1\"></span> er basert p\u00e5 en<span class=\"_ _1\"></span> vurdering<span class=\"_ _1\"></span> av<span class=\"_ _1\"></span> hv<span class=\"_ _1\"></span>a som<span class=\"_ _1\"></span> er mark<span class=\"_ _1\"></span>edets a<span class=\"_ _1\"></span>vkastningskr<span class=\"_ _1\"></span>a<span class=\"_ _1\"></span>v f<span class=\"_ _1\"></span>or den type virk<span class=\"_ _1\"></span>somhet som<span class=\"_ _1\"></span> inng\u00e5r i vur<span class=\"_ _1\"></span>derings<span class=\"_ _1\"></span>-</span><span style=\"display:inherit;clear:left;\">enheten.<span class=\"_ _1\"></span> Dette a<span class=\"_ _1\"></span>vkastningskr<span class=\"_ _1\"></span>a<span class=\"_ _1\"></span>vet<span class=\"_ _1\"></span> re<span class=\"_ _1\"></span>flekterer risik<span class=\"_ _1\"></span>oen i vi<span class=\"_ _1\"></span>rksomheten.<span class=\"_ _1\"></span> Nedskrivningstestene<span class=\"_ _1\"></span> er g<span class=\"_ _8\"></span>jennomf<span class=\"_ _1\"></span>\u00f8rt p\u00e5 kon<span class=\"_ _1\"></span>tantstr\u00f8mmer<span class=\"_ _1\"></span> </span><span style=\"display:inherit;clear:left;\">ette<span class=\"_ _8\"></span>r skat<span class=\"_ _8\"></span>t. T<span class=\"_ _1\"></span>esten<span class=\"_ _8\"></span>e har i<span class=\"_ _8\"></span>kke avdekket b<span class=\"_ _8\"></span>ehov fo<span class=\"_ _8\"></span>r neds<span class=\"_ _8\"></span>kri<span class=\"_ _8\"></span>vnin<span class=\"_ _8\"></span>g av bok<span class=\"_ _8\"></span>f\u00f8r<span class=\"_ _8\"></span>t goo<span class=\"_ _8\"></span>dwil<span class=\"_ _8\"></span>l i mor<span class=\"_ _8\"></span>ban<span class=\"_ _8\"></span>k elle<span class=\"_ _8\"></span>r konse<span class=\"_ _8\"></span>rn p<span class=\"_ _8\"></span>er 31. d<span class=\"_ _8\"></span>ese<span class=\"_ _8\"></span>mb<span class=\"_ _8\"></span>er 2023.</span>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForIntangibleAssetsAndGoodwillExplanatory",
    "language": "no",
    "entity": "scheme:213800M7T3CYVZ3ZRT12",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "s10_notes__6__86": {
   "value": "<span style=\"display:inherit;clear:left;\">No<span class=\"_ _1\"></span>te 34 V<span class=\"_ _2\"></span>ar<span class=\"_ _8\"></span>ig<span class=\"_ _1\"></span>e dr<span class=\"_ _8\"></span>ift<span class=\"_ _1\"></span>smidler</span><span style=\"display:inherit;clear:left;\">V<span class=\"_ _2\"></span>arige driftsmidler ver<span class=\"_ _1\"></span>dse<span class=\"_ _1\"></span>tt<span class=\"_ _1\"></span>es til hist<span class=\"_ _1\"></span>orisk kos<span class=\"_ _1\"></span>t og a<span class=\"_ _1\"></span>v<span class=\"_ _1\"></span>skrives o<span class=\"_ _1\"></span>v<span class=\"_ _1\"></span>er f<span class=\"_ _1\"></span>orven<span class=\"_ _1\"></span>t<span class=\"_ _1\"></span>et \u00f8k<span class=\"_ _1\"></span>onomiske le<span class=\"_ _1\"></span>v<span class=\"_ _1\"></span>etid.</span><span style=\"display:inherit;clear:left;\">Ordin\u00e6r<span class=\"_ _1\"></span>e a<span class=\"_ _1\"></span>v<span class=\"_ _1\"></span>skrivninger er basert p\u00e5 k<span class=\"_ _1\"></span>ostpris og f<span class=\"_ _1\"></span>or<span class=\"_ _1\"></span>delt line\u00e6rt o<span class=\"_ _1\"></span>ver driftsmidlene<span class=\"_ _1\"></span>s \u00f8konomisk<span class=\"_ _1\"></span>e lev<span class=\"_ _1\"></span>e<span class=\"_ _1\"></span>tid. A<span class=\"_ _1\"></span>vskrivningsperiode og </span><span style=\"display:inherit;clear:left;\">a<span class=\"_ _1\"></span>vskrivningsme<span class=\"_ _1\"></span>tode blir vur<span class=\"_ _1\"></span>dert hv<span class=\"_ _1\"></span>ert \u00e5r f<span class=\"_ _1\"></span>or \u00e5 sikr<span class=\"_ _1\"></span>e a<span class=\"_ _1\"></span>t periode og me<span class=\"_ _1\"></span>tode som blir ben<span class=\"_ _1\"></span>ytt<span class=\"_ _1\"></span>et sams<span class=\"_ _1\"></span>v<span class=\"_ _1\"></span>ar<span class=\"_ _1\"></span>er med de \u00f8konomisk<span class=\"_ _1\"></span>e r<span class=\"_ _1\"></span>ealite<span class=\"_ _1\"></span>tene </span><span style=\"display:inherit;clear:left;\">til anle<span class=\"ls14d ws1fd\">gg<span class=\"_ _1\"></span><span class=\"ls0 ws0\">smidlene.</span></span></span><span style=\"display:inherit;clear:left;\">\u00c5re<span class=\"_ _1\"></span>ts or<span class=\"_ _1\"></span>din\u00e6r<span class=\"_ _1\"></span>e a<span class=\"_ _1\"></span>vskrivning<span class=\"_ _1\"></span>er k<span class=\"_ _1\"></span>ostnads<span class=\"_ _1\"></span>f<span class=\"_ _1\"></span>\u00f8r<span class=\"_ _1\"></span>es som driftskos<span class=\"_ _1\"></span>tnad.</span><span style=\"display:inherit;clear:left;\">MORBANK<span class=\"_ _2c5\"> </span>K<span class=\"_ _1\"></span>ONSERN</span><span style=\"display:inherit;clear:left;\">Maskiner<span class=\"_ _2\"></span>, </span><span style=\"display:inherit;clear:left;\">Maskiner<span class=\"_ _2\"></span>, </span><span style=\"display:inherit;clear:left;\">inv<span class=\"_ _1\"></span>en<span class=\"_ _1\"></span>tar og </span><span style=\"display:inherit;clear:left;\"> Bruks-</span><span style=\"display:inherit;clear:left;\">inv<span class=\"_ _1\"></span>en<span class=\"_ _1\"></span>tar og </span><span style=\"display:inherit;clear:left;\"> Bruks-</span><span style=\"display:inherit;clear:left;\">tr<span class=\"_ _1\"></span>ansport-</span><span style=\"display:inherit;clear:left;\">T<span class=\"_ _0\"></span>omter og </span><span style=\"display:inherit;clear:left;\">ret<span class=\"_ _8\"></span>ts<span class=\"_ _8\"></span>-<span class=\"ls0 ws0\"> </span></span><span style=\"display:inherit;clear:left;\">tr<span class=\"_ _1\"></span>ansport-</span><span style=\"display:inherit;clear:left;\">T<span class=\"_ _0\"></span>omter og </span><span style=\"display:inherit;clear:left;\">ret<span class=\"_ _8\"></span>ts<span class=\"_ _8\"></span>-<span class=\"ls0 ws0\"> </span></span><span style=\"display:inherit;clear:left;\">midler</span><span style=\"display:inherit;clear:left;\">b<span class=\"_ _1\"></span>y<span class=\"_ _1\"></span>gninger</span><span style=\"display:inherit;clear:left;\">eiendel </span><span style=\"display:inherit;clear:left;\">Sum</span><span style=\"display:inherit;clear:left;\">midler</span><span style=\"display:inherit;clear:left;\">b<span class=\"_ _1\"></span>y<span class=\"_ _1\"></span>gninger</span><span style=\"display:inherit;clear:left;\">eiendel </span><span style=\"display:inherit;clear:left;\">Sum</span><span style=\"display:inherit;clear:left;\">Pr<span class=\"_ _2\"></span>. 31/<span class=\"_ _8\"></span>12-<span class=\"_ _2\"></span>202<span class=\"_ _8\"></span>1</span><span style=\"display:inherit;clear:left;\">1<span class=\"_ _8\"></span>97<span class=\"_ _92\"> </span><span class=\"ls0 ws0\">2<span class=\"_ _6e\"> </span><span class=\"ls8 ws8\">542<span class=\"_ _8d\"> </span><span class=\"ls140 ws1ee\">74<span class=\"_ _8\"></span>1<span class=\"_ _c4\"> </span></span></span>Anska<span class=\"_ _1\"></span>ff<span class=\"_ _1\"></span>elsesk<span class=\"_ _1\"></span>ost <span class=\"_ _22c\"> </span><span class=\"ls125 ws1cf\">204<span class=\"_ _68\"> </span></span>2<span class=\"_ _65\"> </span><span class=\"ls82 ws14b\">56<span class=\"_ _8\"></span>5<span class=\"_ _14\"> </span></span>771</span></span><span style=\"display:inherit;clear:left;\">117<span class=\"_ _8b\"> </span>0<span class=\"_ _66\"> </span>0<span class=\"_ _3e\"> </span>117<span class=\"_ _53\"> </span>Akkumulerte a<span class=\"_ _1\"></span>v<span class=\"_ _1\"></span>skrivninger<span class=\"_ _41\"> </span>121<span class=\"_ _4a\"> </span>0<span class=\"_ _9a\"> </span>0<span class=\"_ _17\"> </span>121</span><span style=\"display:inherit;clear:left;\">80<span class=\"_ _9a\"> </span></span><span style=\"display:inherit;clear:left;\">2<span class=\"_ _108\"> </span><span class=\"ls135 ws1e2\">542<span class=\"_ _1a\"> </span><span class=\"ls12c ws1d6\">625<span class=\"_ _53\"> </span></span></span>Balansef<span class=\"_ _1\"></span>\u00f8rt v<span class=\"_ _1\"></span>er<span class=\"_ _1\"></span>di pr<span class=\"_ _0\"></span>. 31/12-<span class=\"_ _1\"></span>20<span class=\"_ _1\"></span>21<span class=\"_ _78\"> </span><span class=\"ls13f ws1ed\">83<span class=\"_ _a1\"> </span></span>2<span class=\"_ _189\"> </span><span class=\"ls82 ws14b\">56<span class=\"_ _8\"></span>5<span class=\"_ _94\"> </span>650</span></span><span style=\"display:inherit;clear:left;\">Regnskaps\u00e5r<span class=\"_ _1\"></span>e<span class=\"_ _1\"></span>t 20<span class=\"_ _1\"></span>22</span><span style=\"display:inherit;clear:left;\">80<span class=\"_ _10\"> </span></span><span style=\"display:inherit;clear:left;\">2<span class=\"_ _108\"> </span><span class=\"ls8 ws8\">5<span class=\"_ _8\"></span>42<span class=\"_ _12\"> </span><span class=\"ls83 wsdd\">625<span class=\"_ _d6\"> </span></span></span>Balansef\u00f8rt v<span class=\"_ _1\"></span>er<span class=\"_ _1\"></span>di pr<span class=\"_ _0\"></span>. 1/1-20<span class=\"_ _1\"></span>22<span class=\"_ _116\"> </span><span class=\"ls13f ws1ed\">83<span class=\"_ _a2\"> </span></span>2<span class=\"_ _189\"> </span><span class=\"ls82 ws14b\">56<span class=\"_ _8\"></span>5<span class=\"_ _74\"> </span>650</span></span><span style=\"display:inherit;clear:left;\">34<span class=\"_ _8b\"> </span><span class=\"ls0 ws0\">4<span class=\"_ _17\"> </span><span class=\"lsf wsf\">62<span class=\"_ _14\"> </span></span>100<span class=\"_ _d6\"> </span>Tilgang i \u00e5re<span class=\"_ _1\"></span>t<span class=\"_ _2c7\"> </span><span class=\"ls9 ws9\">35<span class=\"_ _95\"> </span></span>4<span class=\"_ _98\"> </span><span class=\"ls6b wsc3\">67<span class=\"_ _12\"> </span></span>106</span></span><span style=\"display:inherit;clear:left;\">0<span class=\"_ _8b\"> </span>0<span class=\"_ _96\"> </span>6<span class=\"_ _97\"> </span>6<span class=\"_ _d6\"> </span>Av<span class=\"_ _1\"></span>gang i \u00e5r<span class=\"_ _1\"></span>e<span class=\"_ _1\"></span>t<span class=\"_ _2c8\"> </span>0<span class=\"_ _4a\"> </span>0<span class=\"_ _9a\"> </span>6<span class=\"_ _68\"> </span>6</span><span style=\"display:inherit;clear:left;\">23<span class=\"_ _9a\"> </span><span class=\"ls0 ws0\">0<span class=\"_ _78\"> </span><span class=\"ls6b wsc3\">67<span class=\"_ _8b\"> </span><span class=\"ls135 ws1e2\">89<span class=\"_ _53\"> </span></span></span>\u00c5rets a<span class=\"_ _2\"></span>vskrivninger<span class=\"_ _227\"> </span><span class=\"ls4a ws9d\">24<span class=\"_ _a1\"> </span></span>0<span class=\"_ _16\"> </span>71<span class=\"_ _21a\"> </span><span class=\"ls133 ws1e0\">95</span></span></span><span style=\"display:inherit;clear:left;\">92<span class=\"_ _9a\"> </span></span><span style=\"display:inherit;clear:left;\">6<span class=\"_ _5d\"> </span><span class=\"ls126 ws1d0\">531<span class=\"_ _72\"> </span><span class=\"ls139 ws1e6\">629<span class=\"_ _53\"> </span></span></span>Balansef<span class=\"_ _1\"></span>\u00f8rt v<span class=\"_ _1\"></span>er<span class=\"_ _1\"></span>di pr<span class=\"_ _0\"></span>. 31/12-2<span class=\"_ _1\"></span>0<span class=\"_ _1\"></span>22<span class=\"_ _14\"> </span><span class=\"ls108 ws16a\">95<span class=\"_ _a1\"> </span></span>6<span class=\"_ _65\"> </span><span class=\"lsf wsf\">555<span class=\"_ _74\"> </span>655</span></span><span style=\"display:inherit;clear:left;\">Pr<span class=\"_ _2\"></span>. 31/12<span class=\"_ _1\"></span>-<span class=\"_ _1\"></span>20<span class=\"_ _1\"></span>22</span><span style=\"display:inherit;clear:left;\">231<span class=\"_ _10\"> </span><span class=\"ls0 ws0\">6<span class=\"_ _93\"> </span></span>531<span class=\"_ _14\"> </span></span><span style=\"display:inherit;clear:left;\">768<span class=\"_ _2c9\"> </span></span><span style=\"display:inherit;clear:left;\">Anska<span class=\"_ _1\"></span>ff<span class=\"_ _1\"></span>elsesk<span class=\"_ _1\"></span>ost <span class=\"_ _225\"> </span><span class=\"ls136 ws1e3\">239<span class=\"_ _a1\"> </span></span>6<span class=\"_ _65\"> </span><span class=\"ls9 ws9\">555<span class=\"_ _93\"> </span><span class=\"lsfc ws15e\">79<span class=\"_ _8\"></span>9</span></span></span><span style=\"display:inherit;clear:left;\">139<span class=\"_ _9a\"> </span><span class=\"ls0 ws0\">0<span class=\"_ _66\"> </span>0<span class=\"_ _17\"> </span></span>139<span class=\"_ _53\"> </span><span class=\"ls0 ws0\">Akkumulerte a<span class=\"_ _1\"></span>v<span class=\"_ _1\"></span>skrivninger<span class=\"_ _b2\"> </span><span class=\"ls82 ws14b\">145<span class=\"_ _4a\"> </span></span>0<span class=\"_ _9a\"> </span>0<span class=\"_ _72\"> </span><span class=\"ls82 ws14b\">145</span></span></span><span style=\"display:inherit;clear:left;\">92<span class=\"_ _9a\"> </span></span><span style=\"display:inherit;clear:left;\">6<span class=\"_ _5d\"> </span><span class=\"ls126 ws1d0\">531<span class=\"_ _72\"> </span><span class=\"ls139 ws1e6\">629<span class=\"_ _53\"> </span></span></span>Balansef<span class=\"_ _1\"></span>\u00f8rt v<span class=\"_ _1\"></span>er<span class=\"_ _1\"></span>di pr<span class=\"_ _0\"></span>. 31/12-2<span class=\"_ _1\"></span>0<span class=\"_ _1\"></span>22<span class=\"_ _14\"> </span><span class=\"ls108 ws16a\">95<span class=\"_ _a1\"> </span></span>6<span class=\"_ _65\"> </span><span class=\"lsf wsf\">555<span class=\"_ _74\"> </span>655</span></span><span style=\"display:inherit;clear:left;\">Regnskaps\u00e5r<span class=\"_ _1\"></span>e<span class=\"_ _1\"></span>t 20<span class=\"_ _1\"></span>23</span><span style=\"display:inherit;clear:left;\">92<span class=\"_ _10\"> </span></span><span style=\"display:inherit;clear:left;\">6<span class=\"_ _93\"> </span><span class=\"ls126 ws1d0\">531<span class=\"_ _12\"> </span><span class=\"ls125 ws1cf\">629<span class=\"_ _53\"> </span></span></span>Balansef<span class=\"_ _1\"></span>\u00f8rt v<span class=\"_ _1\"></span>er<span class=\"_ _1\"></span>di pr<span class=\"_ _2\"></span>. 1/1-2<span class=\"_ _1\"></span>0<span class=\"_ _1\"></span>23<span class=\"_ _116\"> </span><span class=\"ls133 ws1e0\">95<span class=\"_ _68\"> </span></span>6<span class=\"_ _65\"> </span><span class=\"ls9 ws9\">555<span class=\"_ _74\"> </span>655</span></span><span style=\"display:inherit;clear:left;\">36<span class=\"_ _9a\"> </span><span class=\"ls0 ws0\">0<span class=\"_ _78\"> </span><span class=\"ls140 ws1ee\">74<span class=\"_ _3e\"> </span></span>110<span class=\"_ _d6\"> </span>Tilgang i \u00e5re<span class=\"_ _1\"></span>t<span class=\"_ _260\"> </span><span class=\"ls61 wsb5\">37<span class=\"_ _68\"> </span></span>0<span class=\"_ _98\"> </span><span class=\"ls31 ws81\">75<span class=\"_ _75\"> </span></span>111</span></span><span style=\"display:inherit;clear:left;\">0<span class=\"_ _9a\"> </span>6<span class=\"_ _66\"> </span>0<span class=\"_ _97\"> </span>6<span class=\"_ _d6\"> </span>Av<span class=\"_ _1\"></span>gang i \u00e5r<span class=\"_ _1\"></span>e<span class=\"_ _1\"></span>t<span class=\"_ _2c8\"> </span>0<span class=\"_ _a1\"> </span>6<span class=\"_ _9a\"> </span>0<span class=\"_ _a1\"> </span>6</span><span style=\"display:inherit;clear:left;\">25<span class=\"_ _9a\"> </span></span><span style=\"display:inherit;clear:left;\">0<span class=\"_ _78\"> </span><span class=\"ls137 ws1e4\">72<span class=\"_ _92\"> </span><span class=\"ls6 ws6\">97<span class=\"_ _2c9\"> </span></span></span>\u00c5re<span class=\"_ _1\"></span>ts a<span class=\"_ _1\"></span>v<span class=\"_ _1\"></span>skrivninger<span class=\"_ _2ca\"> </span><span class=\"ls125 ws1cf\">26<span class=\"_ _a1\"> </span></span>0<span class=\"_ _98\"> </span><span class=\"ls12f ws1d9\">73<span class=\"_ _3e\"> </span><span class=\"ls82 ws14b\">99</span></span></span><span style=\"display:inherit;clear:left;\">102<span class=\"_ _9a\"> </span></span><span style=\"display:inherit;clear:left;\">0<span class=\"_ _86\"> </span><span class=\"ls82 ws14b\">53<span class=\"_ _8\"></span>4<span class=\"_ _1b\"> </span><span class=\"ls135 ws1e2\">6<span class=\"_ _8\"></span>36<span class=\"_ _53\"> </span></span></span>Balansef<span class=\"_ _1\"></span>\u00f8rt v<span class=\"_ _1\"></span>er<span class=\"_ _1\"></span>di pr<span class=\"_ _0\"></span>. 31/12-<span class=\"_ _1\"></span>20<span class=\"_ _1\"></span>23<span class=\"_ _6e\"> </span><span class=\"ls108 ws16a\">1<span class=\"_ _8\"></span>05<span class=\"_ _4a\"> </span></span>0<span class=\"_ _189\"> </span><span class=\"ls82 ws14b\">556<span class=\"_ _94\"> </span><span class=\"ls120 ws1cb\">660</span></span></span><span style=\"display:inherit;clear:left;\">Pr<span class=\"_ _2\"></span>. 31/12<span class=\"_ _1\"></span>-<span class=\"_ _1\"></span>20<span class=\"_ _1\"></span>23</span><span style=\"display:inherit;clear:left;\">266<span class=\"_ _9a\"> </span></span><span style=\"display:inherit;clear:left;\">0<span class=\"_ _108\"> </span><span class=\"ls120 ws1cb\">534<span class=\"_ _14\"> </span><span class=\"lsfc ws15e\">799<span class=\"_ _53\"> </span></span></span>Anskaff<span class=\"_ _1\"></span>elsesk<span class=\"_ _1\"></span>ost <span class=\"_ _225\"> </span><span class=\"ls13 ws13\">275<span class=\"_ _68\"> </span></span>0<span class=\"_ _65\"> </span><span class=\"ls82 ws14b\">556<span class=\"_ _14\"> </span><span class=\"ls126 ws1d0\">831</span></span></span><span style=\"display:inherit;clear:left;\">164<span class=\"_ _8b\"> </span>0<span class=\"_ _66\"> </span>0<span class=\"_ _98\"> </span>164<span class=\"_ _d6\"> </span>Akkumulerte av<span class=\"_ _1\"></span>skrivninger<span class=\"_ _114\"> </span>171<span class=\"_ _95\"> </span>0<span class=\"_ _9a\"> </span>0<span class=\"_ _17\"> </span>171</span><span style=\"display:inherit;clear:left;\">102<span class=\"_ _9a\"> </span></span><span style=\"display:inherit;clear:left;\">0<span class=\"_ _86\"> </span><span class=\"ls82 ws14b\">53<span class=\"_ _8\"></span>4<span class=\"_ _1b\"> </span><span class=\"ls135 ws1e2\">6<span class=\"_ _8\"></span>36<span class=\"_ _53\"> </span></span></span>Balansef<span class=\"_ _1\"></span>\u00f8rt v<span class=\"_ _1\"></span>er<span class=\"_ _1\"></span>di pr<span class=\"_ _0\"></span>. 31/12-<span class=\"_ _1\"></span>20<span class=\"_ _1\"></span>23<span class=\"_ _6f\"> </span><span class=\"ls13b ws1e8\">104<span class=\"_ _a1\"> </span></span>0<span class=\"_ _189\"> </span><span class=\"ls82 ws14b\">556<span class=\"_ _94\"> </span><span class=\"ls120 ws1cb\">660</span></span></span><span style=\"display:inherit;clear:left;\">Prosen<span class=\"_ _1\"></span>tsa<span class=\"_ _1\"></span>ts f<span class=\"_ _1\"></span>or r<span class=\"_ _1\"></span>egnskaps<span class=\"_ _1\"></span>-</span><span style=\"display:inherit;clear:left;\">10\u201333 %<span class=\"_ _a5\"> </span>0\u2013<span class=\"_ _1\"></span>10 %<span class=\"_ _a5\"> </span>5\u20135<span class=\"_ _1\"></span>0 %</span><span style=\"display:inherit;clear:left;\">messige a<span class=\"_ _2\"></span>vskrivninger<span class=\"_ _b2\"> </span>10\u2013<span class=\"_ _1\"></span>33 %<span class=\"_ _a8\"> </span>0\u2013<span class=\"_ _1\"></span>10 %<span class=\"_ _5a\"> </span>5\u201350 %</span>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfPropertyPlantAndEquipmentExplanatory",
    "language": "no",
    "entity": "scheme:213800M7T3CYVZ3ZRT12",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "s10_notes__6__85": {
   "value": "<span style=\"display:inherit;clear:left;\">V<span class=\"_ _2\"></span>arige driftsmidler ver<span class=\"_ _1\"></span>dse<span class=\"_ _1\"></span>tt<span class=\"_ _1\"></span>es til hist<span class=\"_ _1\"></span>orisk kos<span class=\"_ _1\"></span>t og a<span class=\"_ _1\"></span>v<span class=\"_ _1\"></span>skrives o<span class=\"_ _1\"></span>v<span class=\"_ _1\"></span>er f<span class=\"_ _1\"></span>orven<span class=\"_ _1\"></span>t<span class=\"_ _1\"></span>et \u00f8k<span class=\"_ _1\"></span>onomiske le<span class=\"_ _1\"></span>v<span class=\"_ _1\"></span>etid.</span><span style=\"display:inherit;clear:left;\">Ordin\u00e6r<span class=\"_ _1\"></span>e a<span class=\"_ _1\"></span>v<span class=\"_ _1\"></span>skrivninger er basert p\u00e5 k<span class=\"_ _1\"></span>ostpris og f<span class=\"_ _1\"></span>or<span class=\"_ _1\"></span>delt line\u00e6rt o<span class=\"_ _1\"></span>ver driftsmidlene<span class=\"_ _1\"></span>s \u00f8konomisk<span class=\"_ _1\"></span>e lev<span class=\"_ _1\"></span>e<span class=\"_ _1\"></span>tid. A<span class=\"_ _1\"></span>vskrivningsperiode og </span><span style=\"display:inherit;clear:left;\">a<span class=\"_ _1\"></span>vskrivningsme<span class=\"_ _1\"></span>tode blir vur<span class=\"_ _1\"></span>dert hv<span class=\"_ _1\"></span>ert \u00e5r f<span class=\"_ _1\"></span>or \u00e5 sikr<span class=\"_ _1\"></span>e a<span class=\"_ _1\"></span>t periode og me<span class=\"_ _1\"></span>tode som blir ben<span class=\"_ _1\"></span>ytt<span class=\"_ _1\"></span>et sams<span class=\"_ _1\"></span>v<span class=\"_ _1\"></span>ar<span class=\"_ _1\"></span>er med de \u00f8konomisk<span class=\"_ _1\"></span>e r<span class=\"_ _1\"></span>ealite<span class=\"_ _1\"></span>tene </span><span style=\"display:inherit;clear:left;\">til anle<span class=\"ls14d ws1fd\">gg<span class=\"_ _1\"></span><span class=\"ls0 ws0\">smidlene.</span></span></span><span style=\"display:inherit;clear:left;\">\u00c5re<span class=\"_ _1\"></span>ts or<span class=\"_ _1\"></span>din\u00e6r<span class=\"_ _1\"></span>e a<span class=\"_ _1\"></span>vskrivning<span class=\"_ _1\"></span>er k<span class=\"_ _1\"></span>ostnads<span class=\"_ _1\"></span>f<span class=\"_ _1\"></span>\u00f8r<span class=\"_ _1\"></span>es som driftskos<span class=\"_ _1\"></span>tnad.</span>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForPropertyPlantAndEquipmentExplanatory",
    "language": "no",
    "entity": "scheme:213800M7T3CYVZ3ZRT12",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "s10_notes__6__88": {
   "value": "<span style=\"display:inherit;clear:left;\">No<span class=\"_ _1\"></span>te 35 Leief<span class=\"_ _c\"></span>or<span class=\"_ _8\"></span>plik<span class=\"_ _8\"></span>tel<span class=\"_ _1\"></span>ser </span><span style=\"display:inherit;clear:left;\">En k<span class=\"_ _1\"></span>ontrakt er<span class=\"_ _1\"></span> eller inneholder en<span class=\"_ _1\"></span> leiea<span class=\"_ _1\"></span>vtale dersom kon<span class=\"_ _1\"></span>trakten o<span class=\"_ _1\"></span>verf\u00f8r<span class=\"_ _1\"></span>er re<span class=\"_ _1\"></span>tten til<span class=\"_ _1\"></span> \u00e5 ha k<span class=\"_ _1\"></span>ontr<span class=\"_ _1\"></span>oll med bruk<span class=\"_ _1\"></span>en a<span class=\"_ _1\"></span>v<span class=\"_ _1\"></span> en identifisert </span><span style=\"display:inherit;clear:left;\">eiendel i en<span class=\"_ _1\"></span> periode i b<span class=\"_ _1\"></span>ytte mot v<span class=\"_ _1\"></span>ederlag. V<span class=\"_ _1\"></span>ed inng\u00e5<span class=\"_ _1\"></span>else a<span class=\"_ _1\"></span>v en<span class=\"_ _1\"></span> leiekontr<span class=\"_ _1\"></span>akt innregner<span class=\"_ _1\"></span> konsernet<span class=\"_ _1\"></span> en bruksr<span class=\"_ _1\"></span>ettseiendel og en<span class=\"_ _1\"></span> </span><span style=\"display:inherit;clear:left;\">leieforpliktelse. P<span class=\"_ _1\"></span>\u00e5 innr<span class=\"_ _1\"></span>egningstidspunktet m\u00e5les<span class=\"_ _1\"></span> leieforpliktelsen ti<span class=\"_ _1\"></span>l n\u00e5<span class=\"_ _1\"></span>ver<span class=\"_ _1\"></span>dien a<span class=\"_ _1\"></span>v leiebetaling<span class=\"_ _1\"></span>en o<span class=\"_ _1\"></span>ver a<span class=\"_ _1\"></span>vtalt leietid,<span class=\"_ _1\"></span> hv<span class=\"_ _1\"></span>or </span><span style=\"display:inherit;clear:left;\">leiebetalingene neddisk<span class=\"_ _1\"></span>onter<span class=\"_ _1\"></span>es med leiea<span class=\"_ _1\"></span>vtalens implisitte r<span class=\"_ _1\"></span>ent<span class=\"_ _1\"></span>e dersom den<span class=\"_ _1\"></span>ne lett kan<span class=\"_ _1\"></span> fastsettes. E<span class=\"_ _1\"></span>llers ben<span class=\"_ _1\"></span>yttes marginale </span><span style=\"display:inherit;clear:left;\">l\u00e5nerent<span class=\"_ _1\"></span>e.</span><span style=\"display:inherit;clear:left;\">P\u00e5 innr<span class=\"_ _1\"></span>egningstidspunk<span class=\"_ _8\"></span>tet m\u00e5les bruksr<span class=\"_ _1\"></span>ettseiendelen til anskaffelseskost som se<span class=\"_ _1\"></span>ttes lik leieforpliktelsen.</span><span style=\"display:inherit;clear:left;\">V<span class=\"_ _1\"></span>ed etterf\u00f8lg<span class=\"_ _1\"></span>ende m\u00e5linger<span class=\"_ _1\"></span> skal leief<span class=\"_ _1\"></span>orpliktelsen r<span class=\"_ _1\"></span>eduseres med<span class=\"_ _1\"></span> betalt leie og<span class=\"_ _1\"></span> \u00f8kes med<span class=\"_ _1\"></span> beregnede ren<span class=\"_ _1\"></span>ter<span class=\"_ _2\"></span>. Bruksr<span class=\"_ _1\"></span>etteiendelen </span><span style=\"display:inherit;clear:left;\">avskri<span class=\"_ _8\"></span>ves i tr\u00e5d m<span class=\"_ _8\"></span>ed kravene i I<span class=\"_ _8\"></span>AS 16 o<span class=\"_ _8\"></span>g m\u00e5le<span class=\"_ _8\"></span>s p\u00e5 ny<span class=\"_ _8\"></span>tt d<span class=\"_ _8\"></span>erso<span class=\"_ _8\"></span>m be<span class=\"_ _8\"></span>stemte h<span class=\"_ _8\"></span>end<span class=\"_ _8\"></span>els<span class=\"_ _8\"></span>er inn<span class=\"_ _8\"></span>treffe<span class=\"_ _8\"></span>r<span class=\"_ _2\"></span>. Eks<span class=\"_ _8\"></span>emp<span class=\"_ _8\"></span>el p\u00e5 s<span class=\"_ _8\"></span>like he<span class=\"_ _8\"></span>nde<span class=\"_ _8\"></span>lse<span class=\"_ _8\"></span>r er </span><span style=\"display:inherit;clear:left;\">endring i leieperiode el<span class=\"_ _1\"></span>ler endring i<span class=\"_ _1\"></span> variabel<span class=\"_ _1\"></span> leie som f<span class=\"_ _1\"></span>\u00f8lge a<span class=\"_ _1\"></span>v<span class=\"_ _1\"></span> endringer i<span class=\"_ _1\"></span> en indeks<span class=\"_ _1\"></span> eller sa<span class=\"_ _1\"></span>ts.  Standarden<span class=\"_ _1\"></span> har f<span class=\"_ _1\"></span>\u00f8rst og<span class=\"_ _1\"></span> fremst<span class=\"_ _1\"></span> </span><span style=\"display:inherit;clear:left;\">anv<span class=\"_ _1\"></span>endelse knyttet<span class=\"_ _1\"></span> til innleie<span class=\"_ _1\"></span> av<span class=\"_ _1\"></span> kon<span class=\"_ _1\"></span>torlokaler<span class=\"_ _2\"></span>.</span><span style=\"display:inherit;clear:left;\">Konsernet<span class=\"_ _1\"></span> har ogs\u00e5<span class=\"_ _1\"></span> fremleiek<span class=\"_ _1\"></span>ontr<span class=\"_ _1\"></span>akter til ju<span class=\"_ _1\"></span>ridiske<span class=\"_ _1\"></span> enheter<span class=\"_ _1\"></span> utenf<span class=\"_ _1\"></span>or k<span class=\"_ _1\"></span>onsernet. Her<span class=\"_ _1\"></span> blir det<span class=\"_ _1\"></span> vurdert om f<span class=\"_ _1\"></span>remleien<span class=\"_ _1\"></span> er operasjonell<span class=\"_ _1\"></span> </span><span style=\"display:inherit;clear:left;\">ell<span class=\"_ _8\"></span>er fi<span class=\"_ _8\"></span>nans<span class=\"_ _8\"></span>iell<span class=\"_ _8\"></span>. De f<span class=\"_ _8\"></span>les<span class=\"_ _8\"></span>te avt<span class=\"_ _8\"></span>ale<span class=\"_ _8\"></span>r er vurd<span class=\"_ _8\"></span>er<span class=\"_ _8\"></span>t \u00e5 v\u00e6re fi<span class=\"_ _8\"></span>nans<span class=\"_ _8\"></span>iell l<span class=\"_ _8\"></span>eie d<span class=\"_ _8\"></span>a lei<span class=\"_ _8\"></span>eavt<span class=\"_ _8\"></span>ale<span class=\"_ _8\"></span>ne i det ve<span class=\"_ _8\"></span>sen<span class=\"_ _8\"></span>tlige ove<span class=\"_ _8\"></span>rf\u00f8<span class=\"_ _8\"></span>rer all<span class=\"_ _8\"></span>e ris<span class=\"_ _8\"></span>ikoer o<span class=\"_ _8\"></span>g forde<span class=\"_ _8\"></span>ler </span><span style=\"display:inherit;clear:left;\">som er f<span class=\"_ _1\"></span>orbundet med<span class=\"_ _1\"></span> eiendelen. F<span class=\"_ _1\"></span>or disse<span class=\"_ _1\"></span> kontr<span class=\"_ _1\"></span>aktene r<span class=\"_ _1\"></span>eduseres bruks<span class=\"_ _1\"></span>rettseiendelen og<span class=\"_ _1\"></span> erstattes a<span class=\"_ _1\"></span>v<span class=\"_ _1\"></span> en f<span class=\"_ _1\"></span>ordring<span class=\"_ _1\"></span> mot leietak<span class=\"_ _1\"></span>er </span><span style=\"display:inherit;clear:left;\">som reduser<span class=\"_ _1\"></span>es v<span class=\"_ _1\"></span>ed leiebetalinger<span class=\"_ _0\"></span>. </span><span style=\"display:inherit;clear:left;\">I balansen blir<span class=\"_ _1\"></span> bruksr<span class=\"_ _1\"></span>ettseiendelen klassifisert under linjen f<span class=\"_ _1\"></span>or v<span class=\"_ _1\"></span>arige dri<span class=\"_ _1\"></span>ftsmidler og leief<span class=\"_ _1\"></span>orpliktelsen som annen<span class=\"_ _1\"></span> g<span class=\"_ _8\"></span>jeld. I </span><span style=\"display:inherit;clear:left;\">resulta<span class=\"_ _1\"></span>tregnskapet bli<span class=\"_ _1\"></span>r a<span class=\"_ _1\"></span>vskrivning<span class=\"_ _1\"></span> p\u00e5 bruksr<span class=\"_ _1\"></span>ettseiendelen klassifisert som a<span class=\"_ _1\"></span>vskrivning<span class=\"_ _1\"></span> og ren<span class=\"_ _1\"></span>te p\u00e5<span class=\"_ _1\"></span> leief<span class=\"_ _1\"></span>orpliktelsen blir </span><span style=\"display:inherit;clear:left;\">kla<span class=\"_ _8\"></span>ssi<span class=\"_ _8\"></span>fis<span class=\"_ _8\"></span>er<span class=\"_ _8\"></span>t som re<span class=\"_ _8\"></span>ntekost<span class=\"_ _8\"></span>nad og s<span class=\"_ _8\"></span>\u00e5le<span class=\"_ _8\"></span>de<span class=\"_ _8\"></span>s bli<span class=\"_ _8\"></span>r en del av ba<span class=\"_ _8\"></span>nkens re<span class=\"_ _8\"></span>ntenet<span class=\"_ _8\"></span>to. </span><span style=\"display:inherit;clear:left;\">Rent<span class=\"_ _8\"></span>esat<span class=\"_ _8\"></span>s beny<span class=\"_ _8\"></span>tte<span class=\"_ _8\"></span>t ved ne<span class=\"_ _8\"></span>ddis<span class=\"_ _8\"></span>konter<span class=\"_ _8\"></span>ing av forp<span class=\"_ _8\"></span>lik<span class=\"_ _8\"></span>tel<span class=\"_ _8\"></span>sen l<span class=\"_ _8\"></span>ig<span class=\"_ _8\"></span>ger m<span class=\"_ _8\"></span>ello<span class=\"_ _8\"></span>m 2,0 % og 5,0 % avhe<span class=\"_ _8\"></span>ng<span class=\"_ _8\"></span>ig av l\u00f8p<span class=\"_ _8\"></span>eti<span class=\"_ _8\"></span>den p<span class=\"_ _8\"></span>\u00e5 de res<span class=\"_ _8\"></span>pek<span class=\"_ _8\"></span>ti<span class=\"_ _8\"></span>ve </span><span style=\"display:inherit;clear:left;\">kontr<span class=\"_ _1\"></span>akter<span class=\"_ _2\"></span>. Benyttede r<span class=\"_ _1\"></span>entesatser<span class=\"_ _1\"></span> g<span class=\"_ _8\"></span>jenspeiler konserne<span class=\"_ _1\"></span>ts marginale fu<span class=\"_ _1\"></span>ndingrente<span class=\"_ _1\"></span> p\u00e5 senior<span class=\"_ _1\"></span>g<span class=\"_ _8\"></span>jeld p\u00e5 implementeri<span class=\"_ _1\"></span>ngstidspunktet.</span><span style=\"display:inherit;clear:left;\">Op<span class=\"_ _8\"></span>sjon<span class=\"_ _8\"></span>er om fo<span class=\"_ _8\"></span>rle<span class=\"_ _8\"></span>ngels<span class=\"_ _8\"></span>e av leie<span class=\"_ _8\"></span>avt<span class=\"_ _8\"></span>ale er v<span class=\"_ _8\"></span>urde<span class=\"_ _8\"></span>rt s<span class=\"_ _8\"></span>lik at de<span class=\"_ _8\"></span>r hvor rest l<span class=\"_ _8\"></span>\u00f8pe<span class=\"_ _8\"></span>tid e<span class=\"_ _8\"></span>r mer e<span class=\"_ _8\"></span>nn 1 \u00e5r<span class=\"_ _1\"></span>,  er det over<span class=\"_ _8\"></span>veie<span class=\"_ _8\"></span>nde s<span class=\"_ _8\"></span>ann<span class=\"_ _8\"></span>synli<span class=\"_ _8\"></span>g at </span><span style=\"display:inherit;clear:left;\">ops<span class=\"_ _8\"></span>jon<span class=\"_ _8\"></span>en ikke b<span class=\"_ _8\"></span>lir b<span class=\"_ _8\"></span>enyt<span class=\"_ _8\"></span>tet<span class=\"_ _8\"></span>. Det<span class=\"_ _8\"></span>te be<span class=\"_ _8\"></span>gru<span class=\"_ _8\"></span>nne<span class=\"_ _8\"></span>s med at d<span class=\"_ _8\"></span>en tek<span class=\"_ _8\"></span>nol<span class=\"_ _8\"></span>og<span class=\"_ _8\"></span>iske ut<span class=\"_ _8\"></span>vik<span class=\"_ _8\"></span>linge<span class=\"_ _8\"></span>n i brans<span class=\"_ _8\"></span>jen t<span class=\"_ _8\"></span>ilsi<span class=\"_ _8\"></span>er at vir<span class=\"_ _8\"></span>ksom<span class=\"_ _8\"></span>heten b<span class=\"_ _8\"></span>lir m<span class=\"_ _8\"></span>indre </span><span style=\"display:inherit;clear:left;\"><span><span style=\"display:inherit;clear:left;\">area<span class=\"_ _8\"></span>lkreven<span class=\"_ _8\"></span>de og at d<span class=\"_ _8\"></span>et da vi<span class=\"_ _8\"></span>l bli fram<span class=\"_ _8\"></span>forha<span class=\"_ _8\"></span>ndl<span class=\"_ _8\"></span>et kontrak<span class=\"_ _8\"></span>te<span class=\"_ _8\"></span>r om min<span class=\"_ _8\"></span>dre are<span class=\"_ _8\"></span>al.</span></span> </span><span style=\"display:inherit;clear:left;\">BALANSEPOS<span class=\"_ _1\"></span>TER</span><span style=\"display:inherit;clear:left;\">MORBANK<span class=\"_ _2cb\"> </span>K<span class=\"_ _1\"></span>ONSERN</span><span style=\"display:inherit;clear:left;\">31/12<span class=\"_ _1\"></span>-22<span class=\"_ _10e\"> </span>31/12<span class=\"_ _1\"></span>-2<span class=\"_ _1\"></span>3<span class=\"_ _b9\"> </span>Bruksre<span class=\"_ _1\"></span>ttseiendel<span class=\"_ _1f9\"> </span><span class=\"ls138 ws1e5\">Note<span class=\"_ _a5\"> </span></span>3<span class=\"_ _1\"></span>1/12-<span class=\"_ _1\"></span>23<span class=\"_ _10e\"> </span>31/12<span class=\"_ _1\"></span>-22</span><span style=\"display:inherit;clear:left;\">542<span class=\"_ _14\"> </span></span><span style=\"display:inherit;clear:left;\">531<span class=\"_ _11a\"> </span></span><span style=\"display:inherit;clear:left;\">Inng\u00e5ende balanse<span class=\"_ _2cc\"> </span><span class=\"ls9 ws9\">555<span class=\"_ _5d\"> </span><span class=\"ls82 ws14b\">565</span></span></span><span style=\"display:inherit;clear:left;\">28<span class=\"_ _91\"> </span></span><span style=\"display:inherit;clear:left;\">37<span class=\"_ _b8\"> </span></span><span style=\"display:inherit;clear:left;\">Endringer som f<span class=\"_ _1\"></span>\u00f8lg<span class=\"_ _1\"></span>e a<span class=\"_ _1\"></span>v KPI jus<span class=\"_ _1\"></span>tert leie<span class=\"_ _1bd\"> </span><span class=\"ls139 ws1e6\">38<span class=\"_ _9a\"> </span><span class=\"ls126 ws1d0\">31</span></span></span><span style=\"display:inherit;clear:left;\">34<span class=\"_ _75\"> </span></span><span style=\"display:inherit;clear:left;\">37<span class=\"_ _b8\"> </span></span><span style=\"display:inherit;clear:left;\">Nye k<span class=\"_ _1\"></span>on<span class=\"_ _1\"></span>trakt<span class=\"_ _1\"></span>er<span class=\"_ _2cd\"> </span><span class=\"ls61 wsb5\">37<span class=\"_ _8d\"> </span><span class=\"ls120 ws1cb\">34</span></span></span><span style=\"display:inherit;clear:left;\">-67<span class=\"_ _17\"> </span></span><span style=\"display:inherit;clear:left;\">-7<span class=\"_ _a\"></span>2<span class=\"_ _b8\"> </span></span><span style=\"display:inherit;clear:left;\">Avskrivning<span class=\"_ _1\"></span>er<span class=\"_ _2b4\"> </span><span class=\"ls134 ws1e1\">-7<span class=\"_ _8\"></span>3<span class=\"_ _98\"> </span><span class=\"ls138 ws1e5\">-<span class=\"_ _8\"></span>69</span></span></span><span style=\"display:inherit;clear:left;\">-6<span class=\"_ _4a\"> </span>0<span class=\"_ _11a\"> </span>A<span class=\"_ _1\"></span>vg<span class=\"_ _1\"></span>ang leiekon<span class=\"_ _1\"></span>tr<span class=\"_ _1\"></span>akter<span class=\"_ _2ce\"> </span>0<span class=\"_ _9a\"> </span>-6</span><span style=\"display:inherit;clear:left;\">531<span class=\"_ _94\"> </span></span><span style=\"display:inherit;clear:left;\">534<span class=\"_ _11a\"> </span></span><span style=\"display:inherit;clear:left;\">Utg\u00e5ende balanse bruksre<span class=\"_ _1\"></span>t<span class=\"_ _1\"></span>tseiendel<span class=\"_ _7e\"> </span></span><span style=\"display:inherit;clear:left;\">34<span class=\"_ _98\"> </span><span class=\"ff1 ls82 ws14b\">556<span class=\"_ _5d\"> </span><span class=\"lsf wsf\">555</span></span></span><span style=\"display:inherit;clear:left;\">Aktivering a<span class=\"_ _2\"></span>v finansiell fordring kn<span class=\"_ _1\"></span>yt<span class=\"_ _1\"></span>te<span class=\"_ _1\"></span>t til finansiell fr<span class=\"_ _1\"></span>emleie<span class=\"_ _11e\"> </span><span class=\"ls125 ws1cf\">26<span class=\"_ _8\"></span>4<span class=\"_ _93\"> </span>263</span></span><span style=\"display:inherit;clear:left;\">Leief<span class=\"_ _1\"></span>orplikt<span class=\"_ _1\"></span>else</span><span style=\"display:inherit;clear:left;\">558<span class=\"_ _93\"> </span></span><span style=\"display:inherit;clear:left;\">552<span class=\"_ _b8\"> </span></span><span style=\"display:inherit;clear:left;\">Inng\u00e5<span class=\"_ _1\"></span>ende balanse<span class=\"_ _2cc\"> </span><span class=\"ls136 ws1e3\">8<span class=\"_ _8\"></span>39<span class=\"_ _5d\"> </span><span class=\"ls21 ws175\">85<span class=\"_ _8\"></span>3</span></span></span><span style=\"display:inherit;clear:left;\">28<span class=\"_ _91\"> </span></span><span style=\"display:inherit;clear:left;\">37<span class=\"_ _b8\"> </span></span><span style=\"display:inherit;clear:left;\">Endringer som f<span class=\"_ _1\"></span>\u00f8lg<span class=\"_ _1\"></span>e a<span class=\"_ _1\"></span>v KPI jus<span class=\"_ _1\"></span>tert leie<span class=\"_ _1bd\"> </span><span class=\"ls31 ws81\">57<span class=\"_ _10\"> </span><span class=\"ls126 ws1d0\">31</span></span></span><span style=\"display:inherit;clear:left;\">34<span class=\"_ _75\"> </span></span><span style=\"display:inherit;clear:left;\">37<span class=\"_ _b8\"> </span></span><span style=\"display:inherit;clear:left;\">Nye k<span class=\"_ _1\"></span>on<span class=\"_ _1\"></span>trakt<span class=\"_ _1\"></span>er<span class=\"_ _2cd\"> </span><span class=\"ls61 wsb5\">37<span class=\"_ _8d\"> </span><span class=\"ls120 ws1cb\">34</span></span></span><span style=\"display:inherit;clear:left;\">-7<span class=\"_ _a\"></span>7<span class=\"_ _11\"> </span></span><span style=\"display:inherit;clear:left;\">-<span class=\"_ _8\"></span>82<span class=\"_ _11a\"> </span><span class=\"ls0 ws0\">Husleiebetalinger<span class=\"_ _156\"> </span><span class=\"ls6 ws6\">-1<span class=\"_ _8\"></span>0<span class=\"_ _8\"></span>3<span class=\"_ _14\"> </span></span>-88</span></span><span style=\"display:inherit;clear:left;\">15<span class=\"_ _8b\"> </span>15<span class=\"_ _11a\"> </span>Kapitalisert ren<span class=\"_ _1\"></span>te<span class=\"_ _1a2\"> </span>15<span class=\"_ _e9\"> </span>16</span><span style=\"display:inherit;clear:left;\">-6<span class=\"_ _4a\"> </span>0<span class=\"_ _11a\"> </span>A<span class=\"_ _1\"></span>vg<span class=\"_ _1\"></span>ang leiekon<span class=\"_ _1\"></span>tr<span class=\"_ _1\"></span>akter<span class=\"_ _2ce\"> </span>0<span class=\"_ _9a\"> </span>-6</span><span style=\"display:inherit;clear:left;\">552<span class=\"_ _74\"> </span></span><span style=\"display:inherit;clear:left;\">560<span class=\"_ _11a\"> </span></span><span style=\"display:inherit;clear:left;\">Utg\u00e5ende balanse leie<span class=\"_ _1\"></span>f<span class=\"_ _1\"></span>orpliktelse<span class=\"_ _182\"> </span><span class=\"ff1 ls82 ws14b\">845<span class=\"_ _5d\"> </span><span class=\"ls8 ws8\">839</span></span></span><span style=\"display:inherit;clear:left;\">F<span class=\"_ _1\"></span>ORF<span class=\"_ _2\"></span>ALLSSTR<span class=\"_ _1\"></span>UKTUR P<span class=\"_ _2\"></span>\u00c5 LEIEFORPLIKTELSEN (UDISK<span class=\"_ _1\"></span>ONTERT)</span><span style=\"display:inherit;clear:left;\">MORBANK<span class=\"_ _2d0\"> </span>K<span class=\"_ _1\"></span>ONSERN</span><span style=\"display:inherit;clear:left;\">31/12<span class=\"_ _1\"></span>-22<span class=\"_ _10e\"> </span>31/12<span class=\"_ _1\"></span>-2<span class=\"_ _1\"></span>3<span class=\"_ _2d1\"> </span>31/12<span class=\"_ _1\"></span>-2<span class=\"_ _1\"></span>3<span class=\"_ _19\"> </span>31/12-<span class=\"_ _1\"></span>22</span><span style=\"display:inherit;clear:left;\">1<span class=\"_ _8\"></span>97<span class=\"_ _14\"> </span></span><span style=\"display:inherit;clear:left;\">212<span class=\"_ _11a\"> </span>Mi<span class=\"_ _8\"></span>ndre en<span class=\"_ _8\"></span>n 3 \u00e5r<span class=\"_ _2d2\"> </span><span class=\"ls6b wsc3\">267<span class=\"_ _18\"> </span><span class=\"ls125 ws1cf\">26<span class=\"_ _8\"></span>6</span></span></span><span style=\"display:inherit;clear:left;\">108<span class=\"_ _17\"> </span></span><span style=\"display:inherit;clear:left;\">112<span class=\"_ _11a\"> </span>3-5 \u00e5r<span class=\"_ _236\"> </span><span class=\"ls108 ws16a\">194<span class=\"_ _21a\"> </span><span class=\"lsfc ws15e\">1<span class=\"_ _8\"></span>79</span></span></span><span style=\"display:inherit;clear:left;\">334<span class=\"_ _93\"> </span></span><span style=\"display:inherit;clear:left;\">322<span class=\"_ _b8\"> </span></span><span style=\"display:inherit;clear:left;\">Leng<span class=\"_ _1\"></span>er enn 5 \u00e5r<span class=\"_ _290\"> </span><span class=\"ls82 ws14b\">509<span class=\"_ _14\"> </span><span class=\"ls133 ws1e0\">5<span class=\"_ _8\"></span>54</span></span></span><span style=\"display:inherit;clear:left;\">639<span class=\"_ _94\"> </span></span><span style=\"display:inherit;clear:left;\">646<span class=\"_ _11a\"> </span></span><span style=\"display:inherit;clear:left;\">Sum leieforplikt<span class=\"_ _1\"></span>else<span class=\"_ _1e1\"> </span><span class=\"ls61 wsb5\">970<span class=\"_ _98\"> </span><span class=\"ls62 wsb6\">999</span></span></span><span style=\"display:inherit;clear:left;\">RESUL<span class=\"_ _0\"></span>T<span class=\"_ _2\"></span>A<span class=\"_ _1\"></span>TPOS<span class=\"_ _1\"></span>TER</span><span style=\"display:inherit;clear:left;\">MORBANK<span class=\"_ _2d0\"> </span>K<span class=\"_ _1\"></span>ONSERN</span><span style=\"display:inherit;clear:left;\">2022<span class=\"_ _83\"> </span>202<span class=\"_ _8\"></span>3<span class=\"_ _11a\"> </span></span><span style=\"display:inherit;clear:left;\">A<span class=\"_ _1\"></span>vskrivning<span class=\"_ _1\"></span>er og r<span class=\"_ _1\"></span>en<span class=\"_ _1\"></span>tek<span class=\"_ _1\"></span>os<span class=\"_ _1\"></span>tnad<span class=\"_ _2d3\"> </span><span class=\"lsf6 ws158\">2023<span class=\"_ _86\"> </span>202<span class=\"_ _8\"></span>2</span></span><span style=\"display:inherit;clear:left;\">67<span class=\"_ _91\"> </span></span><span style=\"display:inherit;clear:left;\">72<span class=\"_ _11a\"> </span></span><span style=\"display:inherit;clear:left;\">Avskrivning bruksr<span class=\"_ _1\"></span>ettseiendel<span class=\"_ _262\"> </span><span class=\"ls12f ws1d9\">73<span class=\"_ _66\"> </span><span class=\"ls138 ws1e5\">69</span></span></span><span style=\"display:inherit;clear:left;\">15<span class=\"_ _8b\"> </span>15<span class=\"_ _11a\"> </span>Rent<span class=\"_ _1\"></span>ekos<span class=\"_ _1\"></span>tnad p\u00e5 leie<span class=\"_ _1\"></span>f<span class=\"_ _1\"></span>orpliktelse<span class=\"_ _ff\"> </span>15<span class=\"_ _a1\"> </span>16</span><span style=\"display:inherit;clear:left;\">V<span class=\"_ _2\"></span>ariable leiekostna<span class=\"_ _1\"></span>ders som er k<span class=\"_ _1\"></span>ostna<span class=\"_ _1\"></span>dsf<span class=\"_ _1\"></span>\u00f8rt som lokalek<span class=\"_ _1\"></span>os<span class=\"_ _1\"></span>tnader</span><span style=\"display:inherit;clear:left;\">34<span class=\"_ _3e\"> </span></span><span style=\"display:inherit;clear:left;\">38<span class=\"_ _11a\"> </span></span><span style=\"display:inherit;clear:left;\">F<span class=\"_ _1\"></span>ellesk<span class=\"_ _1\"></span>ostna<span class=\"_ _1\"></span>der; str<span class=\"_ _1\"></span>\u00f8m, r<span class=\"_ _1\"></span>enhold m.m<span class=\"_ _2d4\"> </span><span class=\"ls82 ws14b\">45<span class=\"_ _9a\"> </span><span class=\"ls133 ws1e0\">40</span></span></span><span style=\"display:inherit;clear:left;\">Innr<span class=\"_ _1\"></span>egningsunntak</span><span style=\"display:inherit;clear:left;\">1<span class=\"_ _97\"> </span>1<span class=\"_ _11a\"> </span>Kostna<span class=\"_ _1\"></span>der f<span class=\"_ _1\"></span>or kortsiktige leiea<span class=\"_ _2\"></span>vtaler<span class=\"_ _2d3\"> </span>1<span class=\"_ _117\"> </span>1</span><span style=\"display:inherit;clear:left;\">1<span class=\"_ _97\"> </span>1<span class=\"_ _11a\"> </span>Kostna<span class=\"_ _1\"></span>der f<span class=\"_ _1\"></span>or uvesen<span class=\"_ _1\"></span>tlig<span class=\"_ _1\"></span>e leiea<span class=\"_ _1\"></span>vtaler<span class=\"_ _2d5\"> </span>1<span class=\"_ _117\"> </span>1</span>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfLeasesExplanatory",
    "language": "no",
    "entity": "scheme:213800M7T3CYVZ3ZRT12",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "s10_notes__6__87": {
   "value": "<span style=\"display:inherit;clear:left;\">En k<span class=\"_ _1\"></span>ontrakt er<span class=\"_ _1\"></span> eller inneholder en<span class=\"_ _1\"></span> leiea<span class=\"_ _1\"></span>vtale dersom kon<span class=\"_ _1\"></span>trakten o<span class=\"_ _1\"></span>verf\u00f8r<span class=\"_ _1\"></span>er re<span class=\"_ _1\"></span>tten til<span class=\"_ _1\"></span> \u00e5 ha k<span class=\"_ _1\"></span>ontr<span class=\"_ _1\"></span>oll med bruk<span class=\"_ _1\"></span>en a<span class=\"_ _1\"></span>v<span class=\"_ _1\"></span> en identifisert </span><span style=\"display:inherit;clear:left;\">eiendel i en<span class=\"_ _1\"></span> periode i b<span class=\"_ _1\"></span>ytte mot v<span class=\"_ _1\"></span>ederlag. V<span class=\"_ _1\"></span>ed inng\u00e5<span class=\"_ _1\"></span>else a<span class=\"_ _1\"></span>v en<span class=\"_ _1\"></span> leiekontr<span class=\"_ _1\"></span>akt innregner<span class=\"_ _1\"></span> konsernet<span class=\"_ _1\"></span> en bruksr<span class=\"_ _1\"></span>ettseiendel og en<span class=\"_ _1\"></span> </span><span style=\"display:inherit;clear:left;\">leieforpliktelse. P<span class=\"_ _1\"></span>\u00e5 innr<span class=\"_ _1\"></span>egningstidspunktet m\u00e5les<span class=\"_ _1\"></span> leieforpliktelsen ti<span class=\"_ _1\"></span>l n\u00e5<span class=\"_ _1\"></span>ver<span class=\"_ _1\"></span>dien a<span class=\"_ _1\"></span>v leiebetaling<span class=\"_ _1\"></span>en o<span class=\"_ _1\"></span>ver a<span class=\"_ _1\"></span>vtalt leietid,<span class=\"_ _1\"></span> hv<span class=\"_ _1\"></span>or </span><span style=\"display:inherit;clear:left;\">leiebetalingene neddisk<span class=\"_ _1\"></span>onter<span class=\"_ _1\"></span>es med leiea<span class=\"_ _1\"></span>vtalens implisitte r<span class=\"_ _1\"></span>ent<span class=\"_ _1\"></span>e dersom den<span class=\"_ _1\"></span>ne lett kan<span class=\"_ _1\"></span> fastsettes. E<span class=\"_ _1\"></span>llers ben<span class=\"_ _1\"></span>yttes marginale </span><span style=\"display:inherit;clear:left;\">l\u00e5nerent<span class=\"_ _1\"></span>e.</span><span style=\"display:inherit;clear:left;\">P\u00e5 innr<span class=\"_ _1\"></span>egningstidspunk<span class=\"_ _8\"></span>tet m\u00e5les bruksr<span class=\"_ _1\"></span>ettseiendelen til anskaffelseskost som se<span class=\"_ _1\"></span>ttes lik leieforpliktelsen.</span><span style=\"display:inherit;clear:left;\">V<span class=\"_ _1\"></span>ed etterf\u00f8lg<span class=\"_ _1\"></span>ende m\u00e5linger<span class=\"_ _1\"></span> skal leief<span class=\"_ _1\"></span>orpliktelsen r<span class=\"_ _1\"></span>eduseres med<span class=\"_ _1\"></span> betalt leie og<span class=\"_ _1\"></span> \u00f8kes med<span class=\"_ _1\"></span> beregnede ren<span class=\"_ _1\"></span>ter<span class=\"_ _2\"></span>. Bruksr<span class=\"_ _1\"></span>etteiendelen </span><span style=\"display:inherit;clear:left;\">avskri<span class=\"_ _8\"></span>ves i tr\u00e5d m<span class=\"_ _8\"></span>ed kravene i I<span class=\"_ _8\"></span>AS 16 o<span class=\"_ _8\"></span>g m\u00e5le<span class=\"_ _8\"></span>s p\u00e5 ny<span class=\"_ _8\"></span>tt d<span class=\"_ _8\"></span>erso<span class=\"_ _8\"></span>m be<span class=\"_ _8\"></span>stemte h<span class=\"_ _8\"></span>end<span class=\"_ _8\"></span>els<span class=\"_ _8\"></span>er inn<span class=\"_ _8\"></span>treffe<span class=\"_ _8\"></span>r<span class=\"_ _2\"></span>. Eks<span class=\"_ _8\"></span>emp<span class=\"_ _8\"></span>el p\u00e5 s<span class=\"_ _8\"></span>like he<span class=\"_ _8\"></span>nde<span class=\"_ _8\"></span>lse<span class=\"_ _8\"></span>r er </span><span style=\"display:inherit;clear:left;\">endring i leieperiode el<span class=\"_ _1\"></span>ler endring i<span class=\"_ _1\"></span> variabel<span class=\"_ _1\"></span> leie som f<span class=\"_ _1\"></span>\u00f8lge a<span class=\"_ _1\"></span>v<span class=\"_ _1\"></span> endringer i<span class=\"_ _1\"></span> en indeks<span class=\"_ _1\"></span> eller sa<span class=\"_ _1\"></span>ts.  Standarden<span class=\"_ _1\"></span> har f<span class=\"_ _1\"></span>\u00f8rst og<span class=\"_ _1\"></span> fremst<span class=\"_ _1\"></span> </span><span style=\"display:inherit;clear:left;\">anv<span class=\"_ _1\"></span>endelse knyttet<span class=\"_ _1\"></span> til innleie<span class=\"_ _1\"></span> av<span class=\"_ _1\"></span> kon<span class=\"_ _1\"></span>torlokaler<span class=\"_ _2\"></span>.</span><span style=\"display:inherit;clear:left;\">Konsernet<span class=\"_ _1\"></span> har ogs\u00e5<span class=\"_ _1\"></span> fremleiek<span class=\"_ _1\"></span>ontr<span class=\"_ _1\"></span>akter til ju<span class=\"_ _1\"></span>ridiske<span class=\"_ _1\"></span> enheter<span class=\"_ _1\"></span> utenf<span class=\"_ _1\"></span>or k<span class=\"_ _1\"></span>onsernet. Her<span class=\"_ _1\"></span> blir det<span class=\"_ _1\"></span> vurdert om f<span class=\"_ _1\"></span>remleien<span class=\"_ _1\"></span> er operasjonell<span class=\"_ _1\"></span> </span><span style=\"display:inherit;clear:left;\">ell<span class=\"_ _8\"></span>er fi<span class=\"_ _8\"></span>nans<span class=\"_ _8\"></span>iell<span class=\"_ _8\"></span>. De f<span class=\"_ _8\"></span>les<span class=\"_ _8\"></span>te avt<span class=\"_ _8\"></span>ale<span class=\"_ _8\"></span>r er vurd<span class=\"_ _8\"></span>er<span class=\"_ _8\"></span>t \u00e5 v\u00e6re fi<span class=\"_ _8\"></span>nans<span class=\"_ _8\"></span>iell l<span class=\"_ _8\"></span>eie d<span class=\"_ _8\"></span>a lei<span class=\"_ _8\"></span>eavt<span class=\"_ _8\"></span>ale<span class=\"_ _8\"></span>ne i det ve<span class=\"_ _8\"></span>sen<span class=\"_ _8\"></span>tlige ove<span class=\"_ _8\"></span>rf\u00f8<span class=\"_ _8\"></span>rer all<span class=\"_ _8\"></span>e ris<span class=\"_ _8\"></span>ikoer o<span class=\"_ _8\"></span>g forde<span class=\"_ _8\"></span>ler </span><span style=\"display:inherit;clear:left;\">som er f<span class=\"_ _1\"></span>orbundet med<span class=\"_ _1\"></span> eiendelen. F<span class=\"_ _1\"></span>or disse<span class=\"_ _1\"></span> kontr<span class=\"_ _1\"></span>aktene r<span class=\"_ _1\"></span>eduseres bruks<span class=\"_ _1\"></span>rettseiendelen og<span class=\"_ _1\"></span> erstattes a<span class=\"_ _1\"></span>v<span class=\"_ _1\"></span> en f<span class=\"_ _1\"></span>ordring<span class=\"_ _1\"></span> mot leietak<span class=\"_ _1\"></span>er </span><span style=\"display:inherit;clear:left;\">som reduser<span class=\"_ _1\"></span>es v<span class=\"_ _1\"></span>ed leiebetalinger<span class=\"_ _0\"></span>. </span><span style=\"display:inherit;clear:left;\">I balansen blir<span class=\"_ _1\"></span> bruksr<span class=\"_ _1\"></span>ettseiendelen klassifisert under linjen f<span class=\"_ _1\"></span>or v<span class=\"_ _1\"></span>arige dri<span class=\"_ _1\"></span>ftsmidler og leief<span class=\"_ _1\"></span>orpliktelsen som annen<span class=\"_ _1\"></span> g<span class=\"_ _8\"></span>jeld. I </span><span style=\"display:inherit;clear:left;\">resulta<span class=\"_ _1\"></span>tregnskapet bli<span class=\"_ _1\"></span>r a<span class=\"_ _1\"></span>vskrivning<span class=\"_ _1\"></span> p\u00e5 bruksr<span class=\"_ _1\"></span>ettseiendelen klassifisert som a<span class=\"_ _1\"></span>vskrivning<span class=\"_ _1\"></span> og ren<span class=\"_ _1\"></span>te p\u00e5<span class=\"_ _1\"></span> leief<span class=\"_ _1\"></span>orpliktelsen blir </span><span style=\"display:inherit;clear:left;\">kla<span class=\"_ _8\"></span>ssi<span class=\"_ _8\"></span>fis<span class=\"_ _8\"></span>er<span class=\"_ _8\"></span>t som re<span class=\"_ _8\"></span>ntekost<span class=\"_ _8\"></span>nad og s<span class=\"_ _8\"></span>\u00e5le<span class=\"_ _8\"></span>de<span class=\"_ _8\"></span>s bli<span class=\"_ _8\"></span>r en del av ba<span class=\"_ _8\"></span>nkens re<span class=\"_ _8\"></span>ntenet<span class=\"_ _8\"></span>to. </span><span style=\"display:inherit;clear:left;\">Rent<span class=\"_ _8\"></span>esat<span class=\"_ _8\"></span>s beny<span class=\"_ _8\"></span>tte<span class=\"_ _8\"></span>t ved ne<span class=\"_ _8\"></span>ddis<span class=\"_ _8\"></span>konter<span class=\"_ _8\"></span>ing av forp<span class=\"_ _8\"></span>lik<span class=\"_ _8\"></span>tel<span class=\"_ _8\"></span>sen l<span class=\"_ _8\"></span>ig<span class=\"_ _8\"></span>ger m<span class=\"_ _8\"></span>ello<span class=\"_ _8\"></span>m 2,0 % og 5,0 % avhe<span class=\"_ _8\"></span>ng<span class=\"_ _8\"></span>ig av l\u00f8p<span class=\"_ _8\"></span>eti<span class=\"_ _8\"></span>den p<span class=\"_ _8\"></span>\u00e5 de res<span class=\"_ _8\"></span>pek<span class=\"_ _8\"></span>ti<span class=\"_ _8\"></span>ve </span><span style=\"display:inherit;clear:left;\">kontr<span class=\"_ _1\"></span>akter<span class=\"_ _2\"></span>. Benyttede r<span class=\"_ _1\"></span>entesatser<span class=\"_ _1\"></span> g<span class=\"_ _8\"></span>jenspeiler konserne<span class=\"_ _1\"></span>ts marginale fu<span class=\"_ _1\"></span>ndingrente<span class=\"_ _1\"></span> p\u00e5 senior<span class=\"_ _1\"></span>g<span class=\"_ _8\"></span>jeld p\u00e5 implementeri<span class=\"_ _1\"></span>ngstidspunktet.</span><span style=\"display:inherit;clear:left;\">Op<span class=\"_ _8\"></span>sjon<span class=\"_ _8\"></span>er om fo<span class=\"_ _8\"></span>rle<span class=\"_ _8\"></span>ngels<span class=\"_ _8\"></span>e av leie<span class=\"_ _8\"></span>avt<span class=\"_ _8\"></span>ale er v<span class=\"_ _8\"></span>urde<span class=\"_ _8\"></span>rt s<span class=\"_ _8\"></span>lik at de<span class=\"_ _8\"></span>r hvor rest l<span class=\"_ _8\"></span>\u00f8pe<span class=\"_ _8\"></span>tid e<span class=\"_ _8\"></span>r mer e<span class=\"_ _8\"></span>nn 1 \u00e5r<span class=\"_ _1\"></span>,  er det over<span class=\"_ _8\"></span>veie<span class=\"_ _8\"></span>nde s<span class=\"_ _8\"></span>ann<span class=\"_ _8\"></span>synli<span class=\"_ _8\"></span>g at </span><span style=\"display:inherit;clear:left;\">ops<span class=\"_ _8\"></span>jon<span class=\"_ _8\"></span>en ikke b<span class=\"_ _8\"></span>lir b<span class=\"_ _8\"></span>enyt<span class=\"_ _8\"></span>tet<span class=\"_ _8\"></span>. Det<span class=\"_ _8\"></span>te be<span class=\"_ _8\"></span>gru<span class=\"_ _8\"></span>nne<span class=\"_ _8\"></span>s med at d<span class=\"_ _8\"></span>en tek<span class=\"_ _8\"></span>nol<span class=\"_ _8\"></span>og<span class=\"_ _8\"></span>iske ut<span class=\"_ _8\"></span>vik<span class=\"_ _8\"></span>linge<span class=\"_ _8\"></span>n i brans<span class=\"_ _8\"></span>jen t<span class=\"_ _8\"></span>ilsi<span class=\"_ _8\"></span>er at vir<span class=\"_ _8\"></span>ksom<span class=\"_ _8\"></span>heten b<span class=\"_ _8\"></span>lir m<span class=\"_ _8\"></span>indre </span><span style=\"display:inherit;clear:left;\">area<span class=\"_ _8\"></span>lkreven<span class=\"_ _8\"></span>de og at d<span class=\"_ _8\"></span>et da vi<span class=\"_ _8\"></span>l bli fram<span class=\"_ _8\"></span>forha<span class=\"_ _8\"></span>ndl<span class=\"_ _8\"></span>et kontrak<span class=\"_ _8\"></span>te<span class=\"_ _8\"></span>r om min<span class=\"_ _8\"></span>dre are<span class=\"_ _8\"></span>al.</span>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForLeasesExplanatory",
    "language": "no",
    "entity": "scheme:213800M7T3CYVZ3ZRT12",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "s10_notes__6__91": {
   "value": "<span style=\"display:inherit;clear:left;\">No<span class=\"_ _1\"></span>te 38 In<span class=\"_ _8\"></span>nskudd f<span class=\"_ _2\"></span>r<span class=\"_ _8\"></span>a kunder</span><span style=\"display:inherit;clear:left;\">Fordeli<span class=\"_ _8\"></span>ng av inns<span class=\"_ _8\"></span>kud<span class=\"_ _8\"></span>d fra og g<span class=\"_ _a\"></span>jel<span class=\"_ _8\"></span>d til k<span class=\"_ _8\"></span>unde<span class=\"_ _8\"></span>r<span class=\"_ _2\"></span>.</span><span style=\"display:inherit;clear:left;\">MORBANK<span class=\"_ _2c5\"> </span>K<span class=\"_ _1\"></span>ONSERN</span><span style=\"display:inherit;clear:left;\">31/12<span class=\"_ _1\"></span>-22<span class=\"_ _169\"> </span>31/12<span class=\"_ _1\"></span>-<span class=\"_ _1\"></span>23<span class=\"_ _285\"> </span>31/12-<span class=\"_ _1\"></span>23<span class=\"_ _169\"> </span>31/12<span class=\"_ _1\"></span>-<span class=\"_ _1\"></span>22</span><span style=\"display:inherit;clear:left;\">Kr<span class=\"_ _1\"></span>oner<span class=\"_ _74\"> </span>%<span class=\"_ _a3\"> </span>Kroner<span class=\"_ _98\"> </span>%<span class=\"_ _b9\"> </span>L\u00f8petidsf<span class=\"_ _1\"></span>or<span class=\"_ _1\"></span>deling<span class=\"_ _a9\"> </span>Kroner<span class=\"_ _74\"> </span>%<span class=\"_ _a3\"> </span>Kroner<span class=\"_ _3e\"> </span>%</span><span style=\"display:inherit;clear:left;\">71 964<span class=\"_ _cc\"> </span><span class=\"ls146 ws1f6\">6<span class=\"_ _a\"></span>4<span class=\"_ _a\"></span>,1<span class=\"_ _d8\"> </span><span class=\"ls13d ws1eb\">75<span class=\"_ _8\"></span> 49<span class=\"_ _8\"></span>9<span class=\"_ _9b\"> </span></span>6<span class=\"_ _a\"></span>1<span class=\"_ _38\"></span>,1<span class=\"_ _b8\"> </span></span>Uten a<span class=\"_ _1\"></span>vtalt l\u00f8pe<span class=\"_ _1\"></span>tid<span class=\"_ _a7\"> </span>75 445<span class=\"_ _19a\"> </span><span class=\"ls109 ws16b\">6<span class=\"_ _8\"></span>1,0<span class=\"_ _131\"> </span></span>71 964<span class=\"_ _189\"> </span><span class=\"ls146 ws1f6\">6<span class=\"_ _a\"></span>4<span class=\"_ _a\"></span>,1</span></span><span style=\"display:inherit;clear:left;\">40 3<span class=\"_ _8\"></span>38<span class=\"_ _131\"> </span>35,9<span class=\"_ _c7\"> </span><span class=\"ls0 ws0\">48 149<span class=\"_ _b7\"> </span></span>38,<span class=\"_ _8\"></span>9<span class=\"_ _11a\"> </span><span class=\"ls0 ws0\">Med a<span class=\"_ _1\"></span>vtalt l\u00f8petid<span class=\"_ _1e5\"> </span>48 154<span class=\"_ _db\"> </span><span class=\"ls109 ws16b\">39,0<span class=\"_ _c7\"> </span></span>40 310<span class=\"_ _85\"> </span><span class=\"ls139 ws1e6\">35,9</span></span></span><span style=\"display:inherit;clear:left;\">112 30<span class=\"_ _1\"></span>2<span class=\"_ _113\"> </span><span class=\"ls84 wsdf\">10<span class=\"_ _8\"></span>0,0<span class=\"_ _5a\"> </span></span>123 648<span class=\"_ _9e\"> </span><span class=\"ls84 wsdf\">10<span class=\"_ _8\"></span>0,0<span class=\"_ _11a\"> </span></span>Sum innskudd fr<span class=\"_ _1\"></span>a kunder <span class=\"_ _e6\"> </span>123 5<span class=\"_ _1\"></span>99<span class=\"_ _111\"> </span><span class=\"ls84 wsdf\">1<span class=\"_ _8\"></span>00,0<span class=\"_ _10b\"> </span></span>112 27<span class=\"_ _0\"></span>4<span class=\"_ _131\"> </span><span class=\"ls84 wsdf\">1<span class=\"_ _8\"></span>00,0</span></span><span style=\"display:inherit;clear:left;\">31/12<span class=\"_ _1\"></span>-22<span class=\"_ _169\"> </span>31/12<span class=\"_ _1\"></span>-<span class=\"_ _1\"></span>23<span class=\"_ _285\"> </span>31/12-<span class=\"_ _1\"></span>23<span class=\"_ _169\"> </span>31/12<span class=\"_ _1\"></span>-<span class=\"_ _1\"></span>22</span><span style=\"display:inherit;clear:left;\">Kr<span class=\"_ _1\"></span>oner<span class=\"_ _74\"> </span>%<span class=\"_ _a3\"> </span>Kroner<span class=\"_ _98\"> </span>%<span class=\"_ _b9\"> </span>N\u00e6ringsfor<span class=\"_ _1\"></span>deling<span class=\"_ _22d\"> </span>Kroner<span class=\"_ _74\"> </span>%<span class=\"_ _a3\"> </span>Kroner<span class=\"_ _3e\"> </span>%</span><span style=\"display:inherit;clear:left;\">5 7<span class=\"_ _1\"></span>63<span class=\"_ _8e\"> </span><span class=\"ls146 ws1f6\">5<span class=\"_ _a\"></span>,1<span class=\"_ _8a\"> </span><span class=\"ls138 ws1e5\">6<span class=\"_ _8\"></span> 252<span class=\"_ _5d\"> </span></span>5<span class=\"_ _8\"></span>,1<span class=\"_ _b8\"> </span></span>Jord-, skogbruk og fisk<span class=\"_ _1\"></span>eri<span class=\"_ _192\"> </span></span><span style=\"display:inherit;clear:left;\">6 2<span class=\"_ _8\"></span>52<span class=\"_ _189\"> </span><span class=\"ls146 ws1f6\">5<span class=\"_ _a\"></span>,1<span class=\"_ _87\"> </span></span></span><span style=\"display:inherit;clear:left;\">5 763<span class=\"_ _14\"> </span><span class=\"ls146 ws1f6\">5<span class=\"_ _8\"></span>,1</span></span><span style=\"display:inherit;clear:left;\">7 403<span class=\"_ _83\"> </span></span><span style=\"display:inherit;clear:left;\">6,6<span class=\"_ _cd\"> </span></span><span style=\"display:inherit;clear:left;\">9 90<span class=\"_ _1\"></span>7<span class=\"_ _189\"> </span><span class=\"ls109 ws16b\">8,0<span class=\"_ _b8\"> </span></span>Industri og ber<span class=\"_ _1\"></span>gv<span class=\"_ _1\"></span>erk<span class=\"_ _a7\"> </span>9 90<span class=\"_ _1\"></span>7<span class=\"_ _8a\"> </span><span class=\"ls109 ws16b\">8,0<span class=\"_ _89\"> </span><span class=\"ls136 ws1e3\">7 403<span class=\"_ _93\"> </span></span>6,6</span></span><span style=\"display:inherit;clear:left;\">1<span class=\"_ _a\"></span> 74<span class=\"_ _a\"></span>2<span class=\"_ _65\"> </span></span><span style=\"display:inherit;clear:left;\">1,6<span class=\"_ _107\"> </span><span class=\"ls0 ws0\">1 227<span class=\"_ _6e\"> </span></span>1<span class=\"_ _8\"></span>,0<span class=\"_ _11a\"> </span></span><span style=\"display:inherit;clear:left;\">Kra<span class=\"_ _1\"></span>ft og v<span class=\"_ _1\"></span>ann<span class=\"_ _1\"></span>f<span class=\"_ _1\"></span>orsyning<span class=\"_ _2d8\"> </span>1 22<span class=\"_ _1\"></span>7<span class=\"_ _6b\"> </span><span class=\"ls109 ws16b\">1<span class=\"_ _8\"></span>,0<span class=\"_ _107\"> </span><span class=\"ls140 ws1ee\">1<span class=\"_ _a\"></span> 74<span class=\"_ _a\"></span>2<span class=\"_ _11\"> </span></span>1,6</span></span><span style=\"display:inherit;clear:left;\">3 7<span class=\"_ _1\"></span>84<span class=\"_ _cd\"> </span></span><span style=\"display:inherit;clear:left;\">3,4<span class=\"_ _cd\"> </span></span><span style=\"display:inherit;clear:left;\">3<span class=\"_ _8\"></span> 859<span class=\"_ _5d\"> </span></span><span style=\"display:inherit;clear:left;\">3<span class=\"_ _a\"></span>,1<span class=\"_ _b8\"> </span></span><span style=\"display:inherit;clear:left;\">By</span><span style=\"display:inherit;clear:left;\">gg<span class=\"_ _1\"></span></span><span style=\"display:inherit;clear:left;\">e- og anle</span><span style=\"display:inherit;clear:left;\">gg<span class=\"_ _1\"></span><span class=\"ls0 ws0\">s<span class=\"_ _1\"></span>virksomhe<span class=\"_ _1\"></span>t<span class=\"_ _69\"> </span><span class=\"ls31 ws81\">3<span class=\"_ _8\"></span> 859<span class=\"_ _86\"> </span><span class=\"ls146 ws1f6\">3<span class=\"_ _8\"></span>,1<span class=\"_ _8a\"> </span></span></span>3 7<span class=\"_ _1\"></span>84<span class=\"_ _74\"> </span><span class=\"ls84 wsdf\">3,4</span></span></span><span style=\"display:inherit;clear:left;\">2 816<span class=\"_ _8a\"> </span><span class=\"ls12c ws1d6\">2<span class=\"_ _8\"></span>,5<span class=\"_ _83\"> </span></span>3 310<span class=\"_ _108\"> </span><span class=\"ls152 ws203\">2<span class=\"_ _a\"></span>,7<span class=\"_ _bd\"> </span></span>V<span class=\"_ _2\"></span>arehandel<span class=\"_ _210\"> </span>3 310<span class=\"_ _83\"> </span><span class=\"ls152 ws203\">2<span class=\"_ _38\"></span>,7<span class=\"_ _6b\"> </span></span>2 816<span class=\"_ _5d\"> </span><span class=\"ls12c ws1d6\">2,5</span></span><span style=\"display:inherit;clear:left;\">4 348<span class=\"_ _87\"> </span><span class=\"ls84 wsdf\">3,9<span class=\"_ _107\"> </span></span>6 13<span class=\"_ _1\"></span>7<span class=\"_ _189\"> </span><span class=\"ls109 ws16b\">5<span class=\"_ _8\"></span>,0<span class=\"_ _11a\"> </span></span>Utenriks sj\u00f8<span class=\"_ _1\"></span>f<span class=\"_ _1\"></span>art og transport<span class=\"_ _212\"> </span>6 137<span class=\"_ _cd\"> </span><span class=\"ls109 ws16b\">5<span class=\"_ _8\"></span>,0<span class=\"_ _b7\"> </span></span>4 348<span class=\"_ _93\"> </span><span class=\"ls84 wsdf\">3,9</span></span><span style=\"display:inherit;clear:left;\">5<span class=\"_ _8\"></span>37<span class=\"_ _87\"> </span></span><span style=\"display:inherit;clear:left;\">0,<span class=\"_ _8\"></span>5<span class=\"_ _1b\"> </span><span class=\"ls12f ws1d9\">5<span class=\"_ _8\"></span>73<span class=\"_ _65\"> </span></span>0,<span class=\"_ _8\"></span>5<span class=\"_ _11a\"> </span></span><span style=\"display:inherit;clear:left;\">Hotell o<span class=\"_ _1\"></span>g res<span class=\"_ _1\"></span>taur<span class=\"_ _1\"></span>an<span class=\"_ _1\"></span>t<span class=\"_ _11b\"> </span></span><span style=\"display:inherit;clear:left;\">573<span class=\"_ _87\"> </span><span class=\"ls109 ws16b\">0,<span class=\"_ _8\"></span>5<span class=\"_ _1b\"> </span><span class=\"ls61 wsb5\">5<span class=\"_ _8\"></span>37<span class=\"_ _93\"> </span></span>0,5</span></span><span style=\"display:inherit;clear:left;\">6<span class=\"_ _8\"></span> 5<span class=\"_ _8\"></span>87<span class=\"_ _83\"> </span><span class=\"ls139 ws1e6\">5,9<span class=\"_ _dd\"> </span><span class=\"ls0 ws0\">6 390<span class=\"_ _65\"> </span></span>5,<span class=\"_ _8\"></span>2<span class=\"_ _11a\"> </span><span class=\"ls0 ws0\">Eiendomsdrift<span class=\"_ _220\"> </span><span class=\"ls61 wsb5\">6<span class=\"_ _8\"></span> 379<span class=\"_ _83\"> </span></span></span>5,<span class=\"_ _8\"></span>2<span class=\"_ _dd\"> </span><span class=\"ls126 ws1d0\">6 58<span class=\"_ _8\"></span>0<span class=\"_ _5d\"> </span></span>5,9</span></span><span style=\"display:inherit;clear:left;\">9 983<span class=\"_ _87\"> </span></span><span style=\"display:inherit;clear:left;\">8,9<span class=\"_ _cd\"> </span></span><span style=\"display:inherit;clear:left;\">11 512<span class=\"_ _65\"> </span><span class=\"ls109 ws16b\">9,<span class=\"_ _8\"></span>3<span class=\"_ _b8\"> </span></span>Tjenes<span class=\"_ _1\"></span>te<span class=\"_ _1\"></span>yt<span class=\"_ _1\"></span>ende virksomhe<span class=\"_ _1\"></span>t<span class=\"_ _22\"> </span>11 4<span class=\"_ _1\"></span>7<span class=\"_ _2\"></span>0<span class=\"_ _83\"> </span></span><span style=\"display:inherit;clear:left;\">9,3<span class=\"_ _cd\"> </span><span class=\"ls126 ws1d0\">9 958<span class=\"_ _5d\"> </span><span class=\"ls62 wsb6\">8,9</span></span></span><span style=\"display:inherit;clear:left;\">2<span class=\"_ _8\"></span> 495<span class=\"_ _83\"> </span><span class=\"ls0 ws0\">2,2<span class=\"_ _85\"> </span>2 313<span class=\"_ _ba\"> </span><span class=\"ls62 wsb6\">1,9<span class=\"_ _11a\"> </span></span>Offen<span class=\"_ _1\"></span>tlig f<span class=\"_ _1\"></span>orvaltning<span class=\"_ _16d\"> </span>2 313<span class=\"_ _107\"> </span><span class=\"ls62 wsb6\">1,9<span class=\"_ _89\"> </span><span class=\"ls13d ws1eb\">2 49<span class=\"_ _8\"></span>5<span class=\"_ _5d\"> </span></span></span>2,2</span></span><span style=\"display:inherit;clear:left;\">4 28<span class=\"_ _8\"></span>1<span class=\"_ _83\"> </span></span><span style=\"display:inherit;clear:left;\">3,8<span class=\"_ _85\"> </span></span><span style=\"display:inherit;clear:left;\">3<span class=\"_ _8\"></span> 581<span class=\"_ _86\"> </span></span><span style=\"display:inherit;clear:left;\">2,9<span class=\"_ _11a\"> </span></span><span style=\"display:inherit;clear:left;\">Andre finansielle f<span class=\"_ _1\"></span>or<span class=\"_ _1\"></span>e<span class=\"_ _1\"></span>tak<span class=\"_ _1c0\"> </span></span><span style=\"display:inherit;clear:left;\">3<span class=\"_ _8\"></span> 581<span class=\"_ _87\"> </span></span><span style=\"display:inherit;clear:left;\">2,9<span class=\"_ _83\"> </span><span class=\"ls109 ws16b\">4<span class=\"_ _8\"></span> 281<span class=\"_ _93\"> </span><span class=\"ls84 wsdf\">3,8</span></span></span><span style=\"display:inherit;clear:left;\">49<span class=\"_ _8\"></span> 739<span class=\"_ _d8\"> </span><span class=\"ls0 ws0\">44,3<span class=\"_ _db\"> </span>55 061<span class=\"_ _cc\"> </span><span class=\"ls12c ws1d6\">44,5<span class=\"_ _11a\"> </span></span>Sum n\u00e6ringsliv<span class=\"_ _194\"> </span>55 00<span class=\"_ _1\"></span>7<span class=\"_ _a8\"> </span><span class=\"ls12c ws1d6\">44,5<span class=\"_ _c7\"> </span><span class=\"ls6 ws6\">4<span class=\"_ _8\"></span>9<span class=\"_ _8\"></span> 7<span class=\"_ _8\"></span>07<span class=\"_ _8a\"> </span></span></span>44,3</span></span><span style=\"display:inherit;clear:left;\">62 563<span class=\"_ _dc\"> </span><span class=\"ls152 ws203\">5<span class=\"_ _a\"></span>5<span class=\"_ _a\"></span>,7<span class=\"_ _131\"> </span><span class=\"ls132 ws1de\">6<span class=\"_ _8\"></span>8<span class=\"_ _8\"></span> 5<span class=\"_ _8\"></span>87<span class=\"_ _90\"> </span><span class=\"ls139 ws1e6\">55,<span class=\"_ _8\"></span>5<span class=\"_ _11a\"> </span></span></span></span>P<span class=\"_ _1\"></span>ersonkunder<span class=\"_ _259\"> </span></span><span style=\"display:inherit;clear:left;\">68<span class=\"_ _8\"></span> 592<span class=\"_ _131\"> </span></span><span style=\"display:inherit;clear:left;\">55,5<span class=\"_ _c7\"> </span><span class=\"ls6b wsc3\">6<span class=\"_ _8\"></span>2 5<span class=\"_ _8\"></span>67<span class=\"_ _9b\"> </span><span class=\"ls152 ws203\">5<span class=\"_ _a\"></span>5<span class=\"_ _a\"></span>,7</span></span></span><span style=\"display:inherit;clear:left;\">112 30<span class=\"_ _1\"></span>2<span class=\"_ _113\"> </span><span class=\"ls84 wsdf\">10<span class=\"_ _8\"></span>0,0<span class=\"_ _5a\"> </span></span>123 648<span class=\"_ _9e\"> </span><span class=\"ls84 wsdf\">10<span class=\"_ _8\"></span>0,0<span class=\"_ _11a\"> </span></span>Sum n\u00e6ringsliv og personkunder<span class=\"_ _6e\"> </span>123 5<span class=\"_ _1\"></span>99<span class=\"_ _111\"> </span><span class=\"ls84 wsdf\">1<span class=\"_ _8\"></span>00,0<span class=\"_ _10b\"> </span></span>112 27<span class=\"_ _0\"></span>4<span class=\"_ _dc\"> </span><span class=\"ls84 wsdf\">100,0</span></span><span style=\"display:inherit;clear:left;\">Geogr<span class=\"_ _1\"></span>a<span class=\"_ _1\"></span>fisk f<span class=\"_ _1\"></span>or<span class=\"_ _1\"></span>deling</span><span style=\"display:inherit;clear:left;\">8<span class=\"_ _a\"></span>2<span class=\"_ _a\"></span> 3<span class=\"_ _a\"></span>74<span class=\"_ _19a\"> </span></span><span style=\"display:inherit;clear:left;\">73,<span class=\"_ _8\"></span>4<span class=\"_ _a8\"> </span></span><span style=\"display:inherit;clear:left;\">86 9<span class=\"_ _8\"></span>08<span class=\"_ _90\"> </span></span><span style=\"display:inherit;clear:left;\">70,<span class=\"_ _8\"></span>3<span class=\"_ _b8\"> </span></span><span style=\"display:inherit;clear:left;\">V<span class=\"_ _1\"></span>es<span class=\"_ _1\"></span>tland<span class=\"_ _223\"> </span></span><span style=\"display:inherit;clear:left;\">86<span class=\"_ _8\"></span> 859<span class=\"_ _dc\"> </span></span><span style=\"display:inherit;clear:left;\">70,<span class=\"_ _8\"></span>3<span class=\"_ _d8\"> </span><span class=\"ls138 ws1e5\">82 34<span class=\"_ _8\"></span>6<span class=\"_ _9b\"> </span><span class=\"ls12f ws1d9\">73,<span class=\"_ _8\"></span>3</span></span></span><span style=\"display:inherit;clear:left;\">3 157<span class=\"_ _8a\"> </span><span class=\"ls120 ws1cb\">2,8<span class=\"_ _83\"> </span></span>3 4<span class=\"_ _2\"></span>10<span class=\"_ _86\"> </span><span class=\"ls120 ws1cb\">2,8<span class=\"_ _11a\"> </span></span>Rogaland<span class=\"_ _1e4\"> </span>3 4<span class=\"_ _1\"></span>10<span class=\"_ _8a\"> </span><span class=\"ls120 ws1cb\">2,8<span class=\"_ _6b\"> </span></span>3 157<span class=\"_ _5d\"> </span><span class=\"ls120 ws1cb\">2,8</span></span><span style=\"display:inherit;clear:left;\">16 068<span class=\"_ _19a\"> </span>14,3<span class=\"_ _131\"> </span>18 985<span class=\"_ _89\"> </span><span class=\"ls139 ws1e6\">1<span class=\"_ _8\"></span>5,4<span class=\"_ _11a\"> </span></span>M\u00f8re og Romsdal<span class=\"_ _240\"> </span>18 985<span class=\"_ _19a\"> </span><span class=\"ls139 ws1e6\">1<span class=\"_ _8\"></span>5,4<span class=\"_ _131\"> </span></span>16 068<span class=\"_ _107\"> </span>14,3</span><span style=\"display:inherit;clear:left;\">3 450<span class=\"_ _65\"> </span></span><span style=\"display:inherit;clear:left;\">3<span class=\"_ _8\"></span>,1<span class=\"_ _85\"> </span></span><span style=\"display:inherit;clear:left;\">4 815<span class=\"_ _65\"> </span><span class=\"ls84 wsdf\">3,9<span class=\"_ _b8\"> </span></span>Oslo<span class=\"_ _7b\"> </span>4 815<span class=\"_ _83\"> </span><span class=\"ls84 wsdf\">3,9<span class=\"_ _90\"> </span></span></span><span style=\"display:inherit;clear:left;\">3 450<span class=\"_ _98\"> </span><span class=\"ls146 ws1f6\">3<span class=\"_ _8\"></span>,1</span></span><span style=\"display:inherit;clear:left;\">2 75<span class=\"_ _8\"></span>6<span class=\"_ _83\"> </span></span><span style=\"display:inherit;clear:left;\">2,5<span class=\"_ _dd\"> </span></span><span style=\"display:inherit;clear:left;\">4 263<span class=\"_ _189\"> </span><span class=\"ls84 wsdf\">3,4<span class=\"_ _11a\"> </span></span>Viken<span class=\"_ _f5\"> </span>4 263<span class=\"_ _cd\"> </span><span class=\"ls84 wsdf\">3,<span class=\"_ _8\"></span>4<span class=\"_ _cd\"> </span></span></span><span style=\"display:inherit;clear:left;\">2<span class=\"_ _8\"></span> 75<span class=\"_ _8\"></span>6<span class=\"_ _5d\"> </span><span class=\"ls12c ws1d6\">2<span class=\"_ _8\"></span>,5</span></span><span style=\"display:inherit;clear:left;\">2 400<span class=\"_ _8e\"> </span><span class=\"ls146 ws1f6\">2<span class=\"_ _a\"></span>,1<span class=\"_ _85\"> </span><span class=\"ls133 ws1e0\">3 461<span class=\"_ _86\"> </span><span class=\"ls120 ws1cb\">2,8<span class=\"_ _11a\"> </span></span></span></span>Norge f<span class=\"_ _1\"></span>or \u00f8<span class=\"_ _1\"></span>vrig<span class=\"_ _1d1\"> </span></span><span style=\"display:inherit;clear:left;\">3 46<span class=\"_ _8\"></span>1<span class=\"_ _87\"> </span><span class=\"ls120 ws1cb\">2,8<span class=\"_ _b7\"> </span></span></span><span style=\"display:inherit;clear:left;\">2 400<span class=\"_ _14\"> </span><span class=\"ls146 ws1f6\">2<span class=\"_ _a\"></span>,1</span></span><span style=\"display:inherit;clear:left;\">110 20<span class=\"_ _1\"></span>5<span class=\"_ _cb\"> </span><span class=\"ls146 ws1f6\">9<span class=\"_ _a\"></span>8<span class=\"_ _8\"></span>,1<span class=\"_ _10a\"> </span></span>121 84<span class=\"_ _1\"></span>2<span class=\"_ _b7\"> </span><span class=\"ls12c ws1d6\">98,5<span class=\"_ _11a\"> </span></span>Sum Norge<span class=\"_ _275\"> </span>121 79<span class=\"_ _1\"></span>3<span class=\"_ _db\"> </span><span class=\"ls12c ws1d6\">98,5<span class=\"_ _d8\"> </span></span>110 177<span class=\"_ _86\"> </span><span class=\"ls146 ws1f6\">9<span class=\"_ _a\"></span>8<span class=\"_ _a\"></span>,1</span></span><span style=\"display:inherit;clear:left;\">2<span class=\"_ _8\"></span> 0<span class=\"_ _8\"></span>97<span class=\"_ _8e\"> </span></span><span style=\"display:inherit;clear:left;\">1,9<span class=\"_ _83\"> </span></span><span style=\"display:inherit;clear:left;\">1 806<span class=\"_ _ba\"> </span><span class=\"ls12c ws1d6\">1<span class=\"_ _8\"></span>,5<span class=\"_ _11a\"> </span></span>Utlandet<span class=\"_ _14c\"> </span>1 806<span class=\"_ _107\"> </span><span class=\"ls12c ws1d6\">1,5<span class=\"_ _8a\"> </span></span></span><span style=\"display:inherit;clear:left;\">2<span class=\"_ _8\"></span> 0<span class=\"_ _8\"></span>97<span class=\"_ _14\"> </span><span class=\"ls62 wsb6\">1,9</span></span><span style=\"display:inherit;clear:left;\">112 30<span class=\"_ _1\"></span>2<span class=\"_ _113\"> </span><span class=\"ls84 wsdf\">10<span class=\"_ _8\"></span>0,0<span class=\"_ _5a\"> </span></span>123 648<span class=\"_ _9e\"> </span><span class=\"ls84 wsdf\">10<span class=\"_ _8\"></span>0,0<span class=\"_ _11a\"> </span></span>Sum geogr<span class=\"_ _1\"></span>a<span class=\"_ _2\"></span>fisk for<span class=\"_ _1\"></span>deling<span class=\"_ _ca\"> </span>123 599<span class=\"_ _111\"> </span><span class=\"ls84 wsdf\">1<span class=\"_ _8\"></span>00,0<span class=\"_ _10b\"> </span></span>112 27<span class=\"_ _0\"></span>4<span class=\"_ _131\"> </span><span class=\"ls84 wsdf\">1<span class=\"_ _8\"></span>00,0</span></span><span style=\"display:inherit;clear:left;\">Lov<span class=\"_ _1\"></span> om sikringsor<span class=\"_ _1\"></span>dninger<span class=\"_ _1\"></span> for<span class=\"_ _1\"></span> banker<span class=\"_ _1\"></span> og off<span class=\"_ _1\"></span>entlig a<span class=\"_ _1\"></span>dministras<span class=\"_ _1\"></span>jon mv<span class=\"_ _2\"></span>. av<span class=\"_ _1\"></span> finansinstitus<span class=\"_ _1\"></span>joner p\u00e5legger alle spar<span class=\"_ _1\"></span>ebanker<span class=\"_ _1\"></span> \u00e5 v<span class=\"_ _1\"></span>\u00e6re </span><span style=\"display:inherit;clear:left;\">medlem av<span class=\"_ _1\"></span> Bankenes sikringsfond. F<span class=\"_ _1\"></span>ondet plikter \u00e5 dekk<span class=\"_ _1\"></span>e tap som en<span class=\"_ _1\"></span> innsky<span class=\"_ _8\"></span>ter har p\u00e5<span class=\"_ _1\"></span> innskudd i en medlemsinstitusjon med inn<span class=\"_ _1\"></span>til </span><span style=\"display:inherit;clear:left;\">2 mil<span class=\"_ _8\"></span>lion<span class=\"_ _8\"></span>er kro<span class=\"_ _8\"></span>ner av sa<span class=\"_ _8\"></span>mlet i<span class=\"_ _8\"></span>nnsk<span class=\"_ _8\"></span>udd<span class=\"_ _8\"></span>. Med i<span class=\"_ _8\"></span>nnsk<span class=\"_ _8\"></span>udd m<span class=\"_ _8\"></span>ene<span class=\"_ _8\"></span>s enhve<span class=\"_ _8\"></span>r kredi<span class=\"_ _8\"></span>tsa<span class=\"_ _8\"></span>ldo i b<span class=\"_ _8\"></span>anke<span class=\"_ _8\"></span>n i henh<span class=\"_ _8\"></span>old t<span class=\"_ _8\"></span>il konto s<span class=\"_ _8\"></span>om lyde<span class=\"_ _8\"></span>r p\u00e5 navn<span class=\"_ _8\"></span>, samt </span><span style=\"display:inherit;clear:left;\">forpliktelser etter innskuddsbevis til na<span class=\"_ _1\"></span>vngitt person. Innbetaling til Bankenes sikringsfond f<span class=\"_ _1\"></span>astsettes i henhold til bestemmelser i </span><span style=\"display:inherit;clear:left;\">Banksikringsloven.</span>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfDepositsFromCustomersExplanatory",
    "language": "no",
    "entity": "scheme:213800M7T3CYVZ3ZRT12",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "s10_notes__6__92": {
   "value": "<span style=\"display:inherit;clear:left;\">No<span class=\"_ _1\"></span>te 39 Gje<span class=\"_ _1\"></span>ld stif<span class=\"_ _1\"></span>te<span class=\"_ _1\"></span>t v<span class=\"_ _1\"></span>ed u<span class=\"_ _1\"></span>tst<span class=\"_ _1\"></span>edel<span class=\"_ _1\"></span>se a<span class=\"_ _2\"></span>v ver<span class=\"_ _1\"></span>dipa<span class=\"_ _1\"></span>pirer</span><span style=\"display:inherit;clear:left;\">Gjeld stiftet<span class=\"_ _1\"></span> ved u<span class=\"_ _1\"></span>tstedelse a<span class=\"_ _1\"></span>v v<span class=\"_ _1\"></span>erdipapir<span class=\"_ _1\"></span>er er<span class=\"_ _1\"></span> klassifisert som vurdert til amortisert kost,<span class=\"_ _1\"></span> utpekt til sikringsbokf\u00f8ring, eller<span class=\"_ _1\"></span> </span><span style=\"display:inherit;clear:left;\">bestemt regnskapsf\u00f8rt til virkelig<span class=\"_ _1\"></span> verdi.<span class=\"_ _1\"></span> Regnskapsme<span class=\"_ _8\"></span>ssig behandling av<span class=\"_ _1\"></span> sikringsbok<span class=\"_ _8\"></span>f\u00f8ring og<span class=\"_ _1\"></span> verdien<span class=\"_ _1\"></span> av<span class=\"_ _1\"></span> sikringsinstrumentene </span><span style=\"display:inherit;clear:left;\">fremko<span class=\"_ _8\"></span>mme<span class=\"_ _8\"></span>r av note 4, men<span class=\"_ _8\"></span>s resul<span class=\"_ _8\"></span>tatf\u00f8<span class=\"_ _8\"></span>rt s<span class=\"_ _8\"></span>ikri<span class=\"_ _8\"></span>ngsi<span class=\"_ _8\"></span>nef<span class=\"_ _8\"></span>fek<span class=\"_ _8\"></span>tivi<span class=\"_ _8\"></span>tet fremko<span class=\"_ _8\"></span>mme<span class=\"_ _8\"></span>r av note 25.</span><span style=\"display:inherit;clear:left;\">MORBANK<span class=\"_ _2ca\"> </span>KONSERN</span><span style=\"display:inherit;clear:left;\">V<span class=\"_ _2\"></span>aluta <span class=\"_ _2d9\"> </span>31/12<span class=\"_ _1\"></span>-22<span class=\"_ _26d\"> </span>31/12<span class=\"_ _1\"></span>-2<span class=\"_ _1\"></span>3<span class=\"_ _10d\"> </span>31/12-<span class=\"_ _1\"></span>23<span class=\"_ _57\"> </span>31/12<span class=\"_ _1\"></span>-22</span><span style=\"display:inherit;clear:left;\">NOK<span class=\"_ _26b\"> </span>16 134<span class=\"_ _c3\"> </span></span><span style=\"display:inherit;clear:left;\">20 5<span class=\"_ _8\"></span>33<span class=\"_ _146\"> </span><span class=\"ls4a ws9d\">76<span class=\"_ _8\"></span> 38<span class=\"_ _8\"></span>0<span class=\"_ _5b\"> </span></span></span><span style=\"display:inherit;clear:left;\">5<span class=\"_ _1\"></span>9 296</span><span style=\"display:inherit;clear:left;\">EUR <span class=\"_ _2da\"> </span><span class=\"ls12c ws1d6\">1 4<span class=\"_ _8\"></span>30<span class=\"_ _a8\"> </span></span>1 406<span class=\"_ _42\"> </span><span class=\"ls83 wsdd\">60 625<span class=\"_ _5c\"> </span></span>54 7<span class=\"_ _1\"></span>22</span><span style=\"display:inherit;clear:left;\">SEK <span class=\"_ _238\"> </span>0<span class=\"_ _78\"> </span>0<span class=\"_ _d3\"> </span><span class=\"ls137 ws1e4\">8<span class=\"_ _8\"></span> 72<span class=\"_ _8\"></span>9<span class=\"_ _8a\"> </span></span>5 119</span><span style=\"display:inherit;clear:left;\">ANDRE<span class=\"_ _2b6\"> </span><span class=\"ls138 ws1e5\">699<span class=\"_ _85\"> </span><span class=\"ls140 ws1ee\">74<span class=\"_ _a\"></span>9<span class=\"_ _e4\"> </span>74<span class=\"_ _a\"></span>9<span class=\"_ _6f\"> </span></span>69<span class=\"_ _8\"></span>9</span></span><span style=\"display:inherit;clear:left;\">Sum ver<span class=\"_ _2\"></span>dipapirgeld<span class=\"_ _1e3\"> </span>18 262<span class=\"_ _10e\"> </span>22 689<span class=\"_ _10d\"> </span>146 484<span class=\"_ _eb\"> </span>119 836</span><span style=\"display:inherit;clear:left;\">K<span class=\"_ _1\"></span>ONSERN</span><span style=\"display:inherit;clear:left;\">F<span class=\"_ _2\"></span>orfalt/ </span><span style=\"display:inherit;clear:left;\">V<span class=\"_ _2\"></span>alutakurs </span><span style=\"display:inherit;clear:left;\">\u00d8vrige <span class=\"_ _4\"></span> </span><span style=\"display:inherit;clear:left;\">Balanse</span><span style=\"display:inherit;clear:left;\">Emittert</span><span style=\"display:inherit;clear:left;\">innl\u00f8st</span><span style=\"display:inherit;clear:left;\">endring</span><span style=\"display:inherit;clear:left;\">endringer</span><span style=\"display:inherit;clear:left;\">Balanse</span><span style=\"display:inherit;clear:left;\">31/12<span class=\"_ _1\"></span>-22</span><span style=\"display:inherit;clear:left;\">2023</span><span style=\"display:inherit;clear:left;\">2023</span><span style=\"display:inherit;clear:left;\">2023</span><span style=\"display:inherit;clear:left;\">2023</span><span style=\"display:inherit;clear:left;\">31/12<span class=\"_ _1\"></span>-2<span class=\"_ _1\"></span>3<span class=\"_ _2db\"></span>Endring i ver<span class=\"_ _2\"></span>dipapirgjeld</span><span style=\"display:inherit;clear:left;\">Senior obligasjoner og sertifika<span class=\"_ _1\"></span>ter<span class=\"_ _16f\"> </span>11 567<span class=\"_ _86\"> </span>2 000<span class=\"_ _87\"> </span><span class=\"ls6 ws6\">-1<span class=\"_ _8\"></span> 4<span class=\"_ _8\"></span>6<span class=\"_ _a\"></span>0<span class=\"_ _4a\"> </span></span>119<span class=\"_ _92\"> </span><span class=\"ls82 ws14b\">156<span class=\"_ _94\"> </span></span>12 382</span><span style=\"display:inherit;clear:left;\">Senior et<span class=\"_ _1\"></span>ter<span class=\"_ _1\"></span>stilt<span class=\"_ _1\"></span>e obligasjoner<span class=\"_ _24\"> </span><span class=\"ls138 ws1e5\">6<span class=\"_ _8\"></span> 695<span class=\"_ _6e\"> </span></span>3 500<span class=\"_ _118\"> </span>0<span class=\"_ _13\"> </span>0<span class=\"_ _9d\"> </span>111<span class=\"_ _6f\"> </span>10 306</span><span style=\"display:inherit;clear:left;\">Obligasjoner med f<span class=\"_ _1\"></span>ortrinnsre<span class=\"_ _1\"></span>t<span class=\"_ _1\"></span>t<span class=\"_ _2dc\"> </span>101 5<span class=\"_ _1\"></span>7<span class=\"_ _1\"></span>3<span class=\"_ _8e\"> </span><span class=\"ls12f ws1d9\">3<span class=\"_ _8\"></span>1<span class=\"_ _8\"></span> 738<span class=\"_ _131\"> </span></span>-16 00<span class=\"_ _1\"></span>3<span class=\"_ _94\"> </span>4 100<span class=\"_ _5d\"> </span><span class=\"ls132 ws1de\">2 3<span class=\"_ _8\"></span>87<span class=\"_ _83\"> </span></span>123 7<span class=\"_ _1\"></span>96</span><span style=\"display:inherit;clear:left;\">Sum ver<span class=\"_ _2\"></span>dipapirgjeld<span class=\"_ _21f\"> </span>119 83<span class=\"_ _1\"></span>6<span class=\"_ _87\"> </span><span class=\"ls61 wsb5\">37<span class=\"_ _8\"></span> 2<span class=\"_ _8\"></span>3<span class=\"_ _8\"></span>8<span class=\"_ _db\"> </span></span>-<span class=\"_ _1\"></span>17 46<span class=\"_ _1\"></span>2<span class=\"_ _94\"> </span>4 219<span class=\"_ _6f\"> </span>2 654<span class=\"_ _c9\"> </span>146 484</span><span style=\"display:inherit;clear:left;\">Hera<span class=\"_ _2\"></span>v gr\u00f8nne obligasjoner (til p\u00e5lydende)<span class=\"_ _253\"> </span><span class=\"ls21 ws175\">35<span class=\"_ _8\"></span> 235</span></span><span style=\"display:inherit;clear:left;\">Def<span class=\"_ _8\"></span>ini<span class=\"_ _8\"></span>sjon<span class=\"_ _8\"></span>en p\u00e5 e<span class=\"_ _8\"></span>n gr\u00f8n<span class=\"_ _8\"></span>n obl<span class=\"_ _8\"></span>iga<span class=\"_ _8\"></span>sjon e<span class=\"_ _8\"></span>r at midl<span class=\"_ _8\"></span>ene s<span class=\"_ _8\"></span>om he<span class=\"_ _8\"></span>ntes g<span class=\"_ _a\"></span>jen<span class=\"_ _8\"></span>nom et g<span class=\"_ _8\"></span>r\u00f8nt o<span class=\"_ _8\"></span>bli<span class=\"_ _8\"></span>gasj<span class=\"_ _8\"></span>ons<span class=\"_ _8\"></span>l\u00e5n ute<span class=\"_ _8\"></span>lukke<span class=\"_ _8\"></span>nde s<span class=\"_ _8\"></span>kal b<span class=\"_ _8\"></span>enyt<span class=\"_ _8\"></span>tes t<span class=\"_ _8\"></span>il \u00e5 </span><span style=\"display:inherit;clear:left;\">finansiere<span class=\"_ _1\"></span> klima<span class=\"_ _1\"></span>- og<span class=\"_ _1\"></span> milj\u00f8v<span class=\"_ _1\"></span>ennlige<span class=\"_ _1\"></span> prosjekt. K<span class=\"_ _1\"></span>v<span class=\"_ _1\"></span>alifiserte gr\u00f8nne<span class=\"_ _1\"></span> prosjekt kan dr<span class=\"_ _1\"></span>eie seg<span class=\"_ _1\"></span> om forn<span class=\"_ _1\"></span>ybar ener<span class=\"_ _1\"></span>gi, energieffektivisering, </span><span style=\"display:inherit;clear:left;\">b\u00e6rekr<span class=\"_ _1\"></span>aftig a<span class=\"_ _1\"></span>vfallsh\u00e5ndt<span class=\"_ _1\"></span>ering, b\u00e6rekr<span class=\"_ _1\"></span>aftig ar<span class=\"_ _1\"></span>ealbruk, bev<span class=\"_ _1\"></span>aring a<span class=\"_ _1\"></span>v biologisk mangfold,<span class=\"_ _1\"></span> ren tr<span class=\"_ _1\"></span>ansport, forhindring<span class=\"_ _1\"></span> a<span class=\"_ _1\"></span>v klima<span class=\"_ _1\"></span>-</span><span style=\"display:inherit;clear:left;\">end<span class=\"_ _8\"></span>rin<span class=\"_ _8\"></span>ger ell<span class=\"_ _8\"></span>er kl<span class=\"_ _8\"></span>imati<span class=\"_ _8\"></span>lpas<span class=\"_ _8\"></span>ning<span class=\"_ _8\"></span>. De<span class=\"_ _8\"></span>t er et krav at en uavhe<span class=\"_ _8\"></span>ng<span class=\"_ _8\"></span>ig vu<span class=\"_ _8\"></span>rder<span class=\"_ _8\"></span>ing av pros<span class=\"_ _8\"></span>jek<span class=\"_ _8\"></span>tet of<span class=\"_ _8\"></span>fentli<span class=\"_ _8\"></span>g<span class=\"_ _8\"></span>g<span class=\"_ _8\"></span>j<span class=\"_ _8\"></span>\u00f8res s<span class=\"_ _8\"></span>lik at inves<span class=\"_ _8\"></span>toren<span class=\"_ _8\"></span>e skal h<span class=\"_ _8\"></span>a </span><span style=\"display:inherit;clear:left;\">innsyn<span class=\"_ _1\"></span> i prosjektets<span class=\"_ _1\"></span> klima<span class=\"_ _1\"></span>- og<span class=\"_ _1\"></span> milj\u00f8messige sider<span class=\"_ _2\"></span>. Bank<span class=\"_ _1\"></span>ens gr\u00f8nne<span class=\"_ _1\"></span> obligasjonsramme<span class=\"_ _1\"></span>verk<span class=\"_ _1\"></span> har identifisert pr<span class=\"_ _1\"></span>osjekter innen gr<span class=\"_ _1\"></span>\u00f8nn </span><span style=\"display:inherit;clear:left;\">boligeiendom, gr\u00f8nn<span class=\"_ _1\"></span> n\u00e6ringseiendom og f<span class=\"_ _1\"></span>orn<span class=\"_ _1\"></span>ybar energi.</span><span style=\"display:inherit;clear:left;\">F<span class=\"_ _2\"></span>orfalt/ </span><span style=\"display:inherit;clear:left;\">V<span class=\"_ _2\"></span>alutakurs </span><span style=\"display:inherit;clear:left;\">\u00d8vrige <span class=\"_ _4\"></span> </span><span style=\"display:inherit;clear:left;\">Balanse</span><span style=\"display:inherit;clear:left;\">Emittert</span><span style=\"display:inherit;clear:left;\">innl\u00f8st</span><span style=\"display:inherit;clear:left;\">endring</span><span style=\"display:inherit;clear:left;\">endringer</span><span style=\"display:inherit;clear:left;\">Balanse</span><span style=\"display:inherit;clear:left;\">31/12<span class=\"_ _1\"></span>-21</span><span style=\"display:inherit;clear:left;\">2022</span><span style=\"display:inherit;clear:left;\">2022</span><span style=\"display:inherit;clear:left;\">2022</span><span style=\"display:inherit;clear:left;\">2022</span><span style=\"display:inherit;clear:left;\">31/12<span class=\"_ _1\"></span>-22<span class=\"_ _2db\"></span>Endring i v<span class=\"_ _1\"></span>er<span class=\"_ _1\"></span>dipapir<span class=\"_ _1\"></span>gjeld</span><span style=\"display:inherit;clear:left;\">Senior obligasjoner og sertifika<span class=\"_ _1\"></span>ter<span class=\"_ _e2\"> </span>13 854<span class=\"_ _6e\"> </span><span class=\"lsf6 ws158\">4<span class=\"_ _8\"></span> 392<span class=\"_ _dd\"> </span></span>-6 467<span class=\"_ _96\"> </span>114<span class=\"_ _18\"> </span><span class=\"ls125 ws1cf\">-326<span class=\"_ _72\"> </span></span>11 56<span class=\"_ _1\"></span>7</span><span style=\"display:inherit;clear:left;\">Senior et<span class=\"_ _1\"></span>ter<span class=\"_ _1\"></span>stilt<span class=\"_ _1\"></span>e obligasjoner<span class=\"_ _240\"> </span>4 140<span class=\"_ _108\"> </span>2 600<span class=\"_ _9c\"> </span>0<span class=\"_ _10c\"> </span>0<span class=\"_ _10\"> </span><span class=\"ls82 ws14b\">-45<span class=\"_ _12\"> </span><span class=\"ls138 ws1e5\">6 69<span class=\"_ _8\"></span>5</span></span></span><span style=\"display:inherit;clear:left;\">Obligasjoner med f<span class=\"_ _1\"></span>ortrinnsre<span class=\"_ _1\"></span>t<span class=\"_ _1\"></span>t<span class=\"_ _202\"> </span>95 818<span class=\"_ _83\"> </span>22 7<span class=\"_ _2\"></span>43<span class=\"_ _cd\"> </span>-<span class=\"_ _1\"></span>13 118<span class=\"_ _5d\"> </span></span><span style=\"display:inherit;clear:left;\">2<span class=\"_ _8\"></span> 051<span class=\"_ _107\"> </span><span class=\"ls125 ws1cf\">-<span class=\"_ _8\"></span>5 920<span class=\"_ _9b\"> </span></span></span><span style=\"display:inherit;clear:left;\">101 5<span class=\"_ _1\"></span>7<span class=\"_ _1\"></span></span><span style=\"display:inherit;clear:left;\">Sum ver<span class=\"_ _2\"></span>dipapirgjeld<span class=\"_ _2dd\"> </span>113 812<span class=\"_ _8a\"> </span><span class=\"ls12f ws1d9\">29<span class=\"_ _8\"></span> 73<span class=\"_ _8\"></span>5<span class=\"_ _131\"> </span></span>-<span class=\"_ _1\"></span>19 58<span class=\"_ _1\"></span>5<span class=\"_ _5d\"> </span>2 165<span class=\"_ _8e\"> </span>-6 291<span class=\"_ _8a\"> </span>119 836</span><span style=\"display:inherit;clear:left;\">Hera<span class=\"_ _2\"></span>v gr\u00f8nne obligasjoner (til p\u00e5lydende)<span class=\"_ _24b\"> </span>22 650</span><span style=\"display:inherit;clear:left;\">F<span class=\"_ _2\"></span>orfallstidspunkt v<span class=\"_ _1\"></span>er<span class=\"_ _1\"></span>dipapir<span class=\"_ _1\"></span>gjeld:<span class=\"_ _af\"> </span>NOK<span class=\"_ _26d\"> </span>V<span class=\"_ _1\"></span>aluta i NOK<span class=\"_ _1b\"> </span>T<span class=\"_ _2\"></span>otalt</span><span style=\"display:inherit;clear:left;\">20<span class=\"_ _8\"></span>24<span class=\"_ _204\"> </span></span><span style=\"display:inherit;clear:left;\">9 353<span class=\"_ _11\"> </span><span class=\"ls6 ws6\">7<span class=\"_ _8\"></span> 072<span class=\"_ _94\"> </span><span class=\"ls0 ws0\">16 4<span class=\"_ _1\"></span>2<span class=\"_ _1\"></span>5</span></span></span><span style=\"display:inherit;clear:left;\">2025<span class=\"_ _2de\"> </span><span class=\"ls0 ws0\">16 250<span class=\"_ _6e\"> </span>17 45<span class=\"_ _1\"></span>2<span class=\"_ _86\"> </span><span class=\"ls4a ws9d\">3<span class=\"_ _8\"></span>3<span class=\"_ _8\"></span> 702</span></span></span><span style=\"display:inherit;clear:left;\">2026<span class=\"_ _2df\"> </span><span class=\"ls0 ws0\">14 7<span class=\"_ _1\"></span>00<span class=\"_ _6e\"> </span>16 896<span class=\"_ _ba\"> </span>31 596</span></span><span style=\"display:inherit;clear:left;\">2027<span class=\"_ _2e0\"> </span></span><span style=\"display:inherit;clear:left;\">12 650<span class=\"_ _65\"> </span><span class=\"ls82 ws14b\">14<span class=\"_ _8\"></span> 080<span class=\"_ _86\"> </span><span class=\"ls12f ws1d9\">26<span class=\"_ _8\"></span> 73<span class=\"_ _8\"></span>0</span></span></span><span style=\"display:inherit;clear:left;\">2028<span class=\"_ _2e1\"> </span><span class=\"ls0 ws0\">20 65<span class=\"_ _1\"></span>0<span class=\"_ _12\"> </span>8 688<span class=\"_ _65\"> </span><span class=\"ls125 ws1cf\">29<span class=\"_ _8\"></span> 338</span></span></span><span style=\"display:inherit;clear:left;\">2029<span class=\"_ _2e2\"> </span><span class=\"ls31 ws81\">750<span class=\"_ _2e3\"> </span>750</span></span><span style=\"display:inherit;clear:left;\">2030<span class=\"_ _2e4\"> </span><span class=\"ls82 ws14b\">563<span class=\"_ _3d\"> </span>563</span></span><span style=\"display:inherit;clear:left;\">2031<span class=\"_ _2e5\"> </span><span class=\"ls0 ws0\">8 448<span class=\"_ _93\"> </span>8 448</span></span><span style=\"display:inherit;clear:left;\">2032<span class=\"_ _2e6\"> </span><span class=\"ls0 ws0\">0</span></span><span style=\"display:inherit;clear:left;\">2033<span class=\"_ _2e2\"> </span><span class=\"ls21 ws175\">850<span class=\"_ _215\"> </span>850</span></span><span style=\"display:inherit;clear:left;\">2034-<span class=\"_ _2e7\"> </span><span class=\"ls82 ws14b\">650<span class=\"_ _215\"> </span>650</span></span><span style=\"display:inherit;clear:left;\">T<span class=\"_ _0\"></span>otal ver<span class=\"_ _2\"></span>dipapirgjeld, p\u00e5ly<span class=\"_ _1\"></span>dende<span class=\"_ _1b8\"> </span><span class=\"ls82 ws14b\">75 853<span class=\"_ _6e\"> </span></span>7<span class=\"_ _1\"></span>3 199<span class=\"_ _b7\"> </span>14<span class=\"_ _1\"></span>9 05<span class=\"_ _1\"></span>2</span><span style=\"display:inherit;clear:left;\">MORBANK</span><span style=\"display:inherit;clear:left;\">31/12<span class=\"_ _1\"></span>-2<span class=\"_ _1\"></span>3</span><span style=\"display:inherit;clear:left;\">31/12<span class=\"_ _1\"></span>-22</span><span style=\"display:inherit;clear:left;\">V<span class=\"_ _1\"></span>ur<span class=\"_ _1\"></span>dert til amortisert kos<span class=\"_ _1\"></span>t<span class=\"_ _2e8\"> </span>P\u00e5ly<span class=\"_ _2\"></span>dende</span><span style=\"display:inherit;clear:left;\">Balansev<span class=\"_ _1\"></span>er<span class=\"_ _1\"></span>di</span><span style=\"display:inherit;clear:left;\">Balansev<span class=\"_ _1\"></span>er<span class=\"_ _1\"></span>di</span><span style=\"display:inherit;clear:left;\">NOK<span class=\"_ _107\"> </span>12 336<span class=\"_ _74\"> </span>12 4<span class=\"_ _2\"></span>14<span class=\"_ _72\"> </span>10 023</span><span style=\"display:inherit;clear:left;\">Best<span class=\"_ _1\"></span>em<span class=\"_ _1\"></span>t r<span class=\"_ _1\"></span>egnskaps<span class=\"_ _1\"></span>f<span class=\"_ _1\"></span>\u00f8rt til virkelig v<span class=\"_ _1\"></span>er<span class=\"_ _1\"></span>di</span><span style=\"display:inherit;clear:left;\">NOK<span class=\"_ _74\"> </span>8 100<span class=\"_ _3e\"> </span>8 118<span class=\"_ _68\"> </span>6 111</span><span style=\"display:inherit;clear:left;\">EUR<span class=\"_ _74\"> </span>1 4<span class=\"_ _1\"></span>64<span class=\"_ _98\"> </span>1 406<span class=\"_ _75\"> </span><span class=\"ls12c ws1d6\">1 430</span></span><span style=\"display:inherit;clear:left;\">USD<span class=\"_ _75\"> </span></span><span style=\"display:inherit;clear:left;\">76<span class=\"_ _8\"></span>4<span class=\"_ _a1\"> </span><span class=\"ls140 ws1ee\">74<span class=\"_ _8\"></span>9<span class=\"_ _118\"> </span><span class=\"ls138 ws1e5\">69<span class=\"_ _8\"></span>9</span></span></span><span style=\"display:inherit;clear:left;\">10 2<span class=\"_ _1\"></span>7<span class=\"_ _0\"></span>4<span class=\"_ _3e\"> </span><span class=\"ls136 ws1e3\">8 2<span class=\"_ _8\"></span>39</span></span><span style=\"display:inherit;clear:left;\">Gjeld stift<span class=\"_ _1\"></span>e<span class=\"_ _1\"></span>t v<span class=\"_ _1\"></span>ed uts<span class=\"_ _1\"></span>tedelse a<span class=\"_ _2\"></span>v ver<span class=\"_ _1\"></span>dipapir<span class=\"_ _1\"></span>er<span class=\"_ _140\"> </span>22 689<span class=\"_ _93\"> </span>18 262</span>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfDebtSecuritiesExplanatory",
    "language": "no",
    "entity": "scheme:213800M7T3CYVZ3ZRT12",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "s10_notes__6__93": {
   "value": "<span style=\"display:inherit;clear:left;\">Note 40 A<span class=\"_ _8\"></span>ns<span class=\"_ _8\"></span>varlig l\u00e5nekapital og f<span class=\"_ _2\"></span>ondsobl<span class=\"_ _8\"></span>igasj<span class=\"_ _1\"></span>onsl\u00e5n</span><span style=\"display:inherit;clear:left;\">Ansv<span class=\"_ _1\"></span>arlig l\u00e5n<span class=\"_ _2cb\"> </span>Balanse<span class=\"_ _1\"></span>v<span class=\"_ _1\"></span>er<span class=\"_ _1\"></span>di</span><span style=\"display:inherit;clear:left;\">Opptak<span class=\"_ _1\"></span>s\u00e5r<span class=\"_ _130\"> </span>P\u00e5ly<span class=\"_ _1\"></span>dende<span class=\"_ _37\"> </span><span class=\"ls125 ws1cf\">Re<span class=\"_ _8\"></span>nte<span class=\"_ _f0\"> </span></span>Innl\u00f8sningsre<span class=\"_ _1\"></span>tt<span class=\"_ _189\"> </span>31/12<span class=\"_ _1\"></span>-2<span class=\"_ _1\"></span>02<span class=\"_ _1\"></span>3<span class=\"_ _b9\"> </span>3<span class=\"_ _1\"></span>1/12-<span class=\"_ _1\"></span>2<span class=\"_ _1\"></span>022</span><span style=\"display:inherit;clear:left;\">2018<span class=\"_ _2e9\"> </span><span class=\"ls0 ws0\">Ansv<span class=\"_ _1\"></span>arlig l\u00e5n<span class=\"_ _20e\"> </span>NOK <span class=\"_ _dd\"> </span>0<span class=\"_ _28c\"> </span>3 mnd NIBOR + 1,2 %<span class=\"_ _ea\"> </span>Call opsjon 28/0<span class=\"_ _1\"></span>3-<span class=\"_ _1\"></span>23<span class=\"_ _10c\"> </span>0<span class=\"_ _8b\"> </span><span class=\"ls61 wsb5\">370</span></span></span><span style=\"display:inherit;clear:left;\">2018<span class=\"_ _2e9\"> </span><span class=\"ls0 ws0\">Ansv<span class=\"_ _1\"></span>arlig l\u00e5n<span class=\"_ _20e\"> </span>NOK <span class=\"_ _dd\"> </span>0<span class=\"_ _28c\"> </span>3 mnd NIBOR + 1,65 %<span class=\"_ _59\"> </span>Call opsjon 23/11-23<span class=\"_ _110\"> </span>0<span class=\"_ _75\"> </span><span class=\"lsf6 ws158\">302</span></span></span><span style=\"display:inherit;clear:left;\">1</span><span style=\"display:inherit;clear:left;\">2018<span class=\"_ _2e9\"> </span></span><span style=\"display:inherit;clear:left;\">Ansv<span class=\"_ _1\"></span>arlig l\u00e5n</span><span style=\"display:inherit;clear:left;\">NOK<span class=\"_ _83\"> </span>0<span class=\"_ _37\"> </span>3 mnd NIBOR + 2,5 %<span class=\"_ _111\"> </span>Call opsjon 26/0<span class=\"_ _1\"></span>1-2<span class=\"_ _1\"></span>3<span class=\"_ _116\"> </span>0<span class=\"_ _9d\"> </span><span class=\"ls83 wsdd\">25</span></span><span style=\"display:inherit;clear:left;\">2019<span class=\"_ _2e9\"> </span></span><span style=\"display:inherit;clear:left;\">Ansv<span class=\"_ _1\"></span>arlig l\u00e5n<span class=\"_ _9d\"> </span>NOK<span class=\"_ _c6\"> </span><span class=\"ls82 ws14b\">500<span class=\"_ _37\"> </span></span>3 mnd NIBOR + 1,42 %<span class=\"_ _59\"> </span>Call opsjon 14/05-2<span class=\"_ _2\"></span>4<span class=\"_ _75\"> </span><span class=\"ls108 ws16a\">504<span class=\"_ _91\"> </span><span class=\"ls136 ws1e3\">503</span></span></span><span style=\"display:inherit;clear:left;\">2021<span class=\"_ _2e9\"> </span></span><span style=\"display:inherit;clear:left;\">Ansv<span class=\"_ _1\"></span>arlig l\u00e5n<span class=\"_ _20e\"> </span>NOK<span class=\"_ _c6\"> </span><span class=\"ls12c ws1d6\">300<span class=\"_ _28c\"> </span></span>3 mnd NIBOR + 0,9 %<span class=\"_ _5a\"> </span>Call opsjon 2<span class=\"_ _2\"></span>4/02-<span class=\"_ _1\"></span>2<span class=\"_ _1\"></span>6<span class=\"_ _91\"> </span><span class=\"lsf6 ws158\">302<span class=\"_ _92\"> </span><span class=\"ls12c ws1d6\">301</span></span></span><span style=\"display:inherit;clear:left;\">2021<span class=\"_ _2e9\"> </span></span><span style=\"display:inherit;clear:left;\">Ansv<span class=\"_ _1\"></span>arlig l\u00e5n<span class=\"_ _20e\"> </span>NOK<span class=\"_ _a5\"> </span><span class=\"ls82 ws14b\">350<span class=\"_ _37\"> </span></span>3 mnd NIBOR + 1,0 %<span class=\"_ _a5\"> </span>Call opsjon 21/10-2<span class=\"_ _1\"></span>6<span class=\"_ _3d\"> </span><span class=\"ls133 ws1e0\">354<span class=\"_ _91\"> </span><span class=\"lsa wsa\">353</span></span></span><span style=\"display:inherit;clear:left;\">2023<span class=\"_ _112\"> </span><span class=\"ls0 ws0\">Ans<span class=\"_ _1\"></span>v<span class=\"_ _1\"></span>arlig l\u00e5n<span class=\"_ _20e\"> </span>NOK<span class=\"_ _19\"> </span><span class=\"ls82 ws14b\">50<span class=\"_ _8\"></span>0<span class=\"_ _37\"> </span></span>3 mnd NIBOR + 1,95 %<span class=\"_ _2ea\"> </span>Call opsjon 10/05-2<span class=\"_ _1\"></span>8<span class=\"_ _9a\"> </span><span class=\"ls136 ws1e3\">503<span class=\"_ _10c\"> </span></span>0</span></span><span style=\"display:inherit;clear:left;\">2023<span class=\"_ _112\"> </span><span class=\"ls0 ws0\">Ansv<span class=\"_ _2\"></span>arlig l\u00e5n<span class=\"_ _97\"> </span>NOK<span class=\"_ _19\"> </span><span class=\"ls82 ws14b\">500<span class=\"_ _28c\"> </span></span>3 mnd NIBOR + 2,<span class=\"_ _2\"></span>15 %<span class=\"_ _d0\"> </span>Call opsjon 22/08-2<span class=\"_ _1\"></span>8<span class=\"_ _75\"> </span><span class=\"lsf6 ws158\">502<span class=\"_ _10c\"> </span></span>0</span></span><span style=\"display:inherit;clear:left;\">Ansv<span class=\"_ _1\"></span>arlig l\u00e5nekap<span class=\"_ _1\"></span>. vur<span class=\"_ _1\"></span>dert til amortisert kos<span class=\"_ _1\"></span>t<span class=\"_ _a8\"> </span>2 150<span class=\"_ _79\"> </span>2 165<span class=\"_ _93\"> </span><span class=\"ls82 ws14b\">1 855</span></span><span style=\"display:inherit;clear:left;\">Inng\u00e5ende </span><span style=\"display:inherit;clear:left;\">F<span class=\"_ _2\"></span>orfalt/ </span><span style=\"display:inherit;clear:left;\">\u00d8vrige <span class=\"_ _4\"></span> </span><span style=\"display:inherit;clear:left;\">Utg\u00e5ende </span><span style=\"display:inherit;clear:left;\">Endring i ansv<span class=\"_ _1\"></span>arlig l\u00e5n</span><span style=\"display:inherit;clear:left;\">balanse<span class=\"_ _cc\"> </span>Emittert</span><span style=\"display:inherit;clear:left;\">innl\u00f8st</span><span style=\"display:inherit;clear:left;\">endringer</span><span style=\"display:inherit;clear:left;\">balanse</span><span style=\"display:inherit;clear:left;\">Ansv<span class=\"_ _1\"></span>arlig l\u00e5nekapital 2<span class=\"_ _1\"></span>0<span class=\"_ _1\"></span>23<span class=\"_ _214\"> </span><span class=\"ls21 ws175\">1 855<span class=\"_ _98\"> </span></span>1 000<span class=\"_ _11\"> </span><span class=\"ls138 ws1e5\">-69<span class=\"_ _8\"></span>5<span class=\"_ _df\"> </span></span>6<span class=\"_ _5d\"> </span><span class=\"ff1\">2 165</span></span><span style=\"display:inherit;clear:left;\">2</span><span style=\"display:inherit;clear:left;\">Ansv<span class=\"_ _1\"></span>arlig l\u00e5nekapital 2<span class=\"_ _1\"></span>0<span class=\"_ _1\"></span>22</span><span style=\"display:inherit;clear:left;\"> <span class=\"_ _122\"> </span><span class=\"ls61 wsb5\">1 9<span class=\"_ _8\"></span>37<span class=\"_ _23f\"> </span></span>0<span class=\"_ _8b\"> </span>-<span class=\"_ _1\"></span>112<span class=\"_ _92\"> </span><span class=\"ls12c ws1d6\">30<span class=\"_ _93\"> </span><span class=\"ff1 ls82 ws14b\">1 855</span></span></span><span style=\"display:inherit;clear:left;\">F<span class=\"_ _1\"></span>ondsobligasjoner klassifisert som<span class=\"_ _1\"></span> egenkapital</span><span style=\"display:inherit;clear:left;\">F<span class=\"_ _1\"></span>ondsobligasjon<span class=\"_ _8\"></span>er som ikk<span class=\"_ _1\"></span>e tilfr<span class=\"_ _1\"></span>edsstiller definisjonen av finansiell f<span class=\"_ _1\"></span>orpliktelse i henhold til IAS 32<span class=\"_ _1\"></span>, er klassifisert som egenkapital.</span><span style=\"display:inherit;clear:left;\">Balansev<span class=\"_ _1\"></span>er<span class=\"_ _1\"></span>di</span><span style=\"display:inherit;clear:left;\">Opptak<span class=\"_ _1\"></span>s\u00e5r<span class=\"_ _2eb\"> </span>P\u00e5ly<span class=\"_ _2\"></span>dende<span class=\"_ _57\"> </span><span class=\"ls125 ws1cf\">Re<span class=\"_ _8\"></span>nte<span class=\"_ _f0\"> </span></span>Innl\u00f8sningsre<span class=\"_ _1\"></span>tt<span class=\"_ _189\"> </span>31/12-<span class=\"_ _1\"></span>2<span class=\"_ _1\"></span>02<span class=\"_ _1\"></span>3<span class=\"_ _59\"> </span>31/12<span class=\"_ _1\"></span>-2<span class=\"_ _1\"></span>022</span><span style=\"display:inherit;clear:left;\">2018<span class=\"_ _2e9\"> </span><span class=\"ls0 ws0\">F<span class=\"_ _2\"></span>ondsobligasjonsl\u00e5n<span class=\"_ _19\"> </span>NOK<span class=\"_ _dd\"> </span>0<span class=\"_ _37\"> </span>3 mnd NIBOR + 2,85 %<span class=\"_ _57\"> </span>Call opsjon 23/03-<span class=\"_ _1\"></span>23<span class=\"_ _10c\"> </span>0<span class=\"_ _96\"> </span><span class=\"ls83 wsdd\">25<span class=\"_ _8\"></span>0</span></span></span><span style=\"display:inherit;clear:left;\">1</span><span style=\"display:inherit;clear:left;\">2018<span class=\"_ _2e9\"> </span></span><span style=\"display:inherit;clear:left;\">F<span class=\"_ _2\"></span>ondsobligasjonsl\u00e5n</span><span style=\"display:inherit;clear:left;\">NOK<span class=\"_ _dd\"> </span>0<span class=\"_ _37\"> </span>3 mnd NIBOR + 3,85 %<span class=\"_ _57\"> </span>Call opsjon 21/03-2<span class=\"_ _1\"></span>3<span class=\"_ _49\"> </span>0<span class=\"_ _25\"> </span><span class=\"ls125 ws1cf\">20</span></span><span style=\"display:inherit;clear:left;\">2018<span class=\"_ _2e9\"> </span><span class=\"ls0 ws0\">F<span class=\"_ _2\"></span>ondsobligasjonsl\u00e5n<span class=\"_ _19\"> </span>NOK<span class=\"_ _dd\"> </span>0<span class=\"_ _37\"> </span>3 mnd NIBOR + 3,40 %<span class=\"_ _b8\"> </span>Call opsjon 12/09-<span class=\"_ _1\"></span>23<span class=\"_ _b6\"> </span>0<span class=\"_ _226\"> </span><span class=\"ls139 ws1e6\">251</span></span></span><span style=\"display:inherit;clear:left;\">2020<span class=\"_ _b2\"> </span></span><span style=\"display:inherit;clear:left;\">F<span class=\"_ _2\"></span>ondsobligasjonsl\u00e5n<span class=\"_ _113\"> </span>NOK<span class=\"_ _eb\"> </span><span class=\"ls125 ws1cf\">200<span class=\"_ _28c\"> </span></span>3 mnd NIBOR + 4,00 %<span class=\"_ _b9\"> </span>Call opsjon 19/05-25<span class=\"_ _10\"> </span><span class=\"ls125 ws1cf\">202<span class=\"_ _3d\"> </span>202</span></span><span style=\"display:inherit;clear:left;\">2021<span class=\"_ _2e9\"> </span></span><span style=\"display:inherit;clear:left;\">F<span class=\"_ _1\"></span>ondsoblig<span class=\"_ _1\"></span>asjonsl\u00e5n<span class=\"_ _113\"> </span>NOK<span class=\"_ _c3\"> </span><span class=\"ls133 ws1e0\">400<span class=\"_ _37\"> </span></span>3 mnd NIBOR + 2,40 %<span class=\"_ _b8\"> </span>Call opsjon 2<span class=\"_ _1\"></span>3/0<span class=\"_ _1\"></span>7<span class=\"_ _0\"></span>-26<span class=\"_ _e9\"> </span><span class=\"ls133 ws1e0\">406<span class=\"_ _10\"> </span><span class=\"ls108 ws16a\">404</span></span></span><span style=\"display:inherit;clear:left;\">2022<span class=\"_ _112\"> </span></span><span style=\"display:inherit;clear:left;\">F<span class=\"_ _2\"></span>ondsobligasjonsl\u00e5n<span class=\"_ _113\"> </span>NOK<span class=\"_ _eb\"> </span><span class=\"ls12c ws1d6\">300<span class=\"_ _28c\"> </span></span>F<span class=\"_ _2\"></span>astren<span class=\"_ _1\"></span>te, 7<span class=\"_ _0\"></span>,48 % p.a.<span class=\"_ _c1\"> </span>Call opsjon 08/11-2<span class=\"_ _1\"></span>7<span class=\"_ _4a\"> </span><span class=\"ls136 ws1e3\">303<span class=\"_ _3d\"> </span>303</span></span><span style=\"display:inherit;clear:left;\">2023<span class=\"_ _112\"> </span><span class=\"ls0 ws0\">F<span class=\"_ _2\"></span>ondsobligasjonsl\u00e5n<span class=\"_ _113\"> </span>NOK<span class=\"_ _c3\"> </span><span class=\"ls133 ws1e0\">400<span class=\"_ _37\"> </span></span>3 mnd NIBOR + 3,80 %<span class=\"_ _bd\"> </span>Call opsjon 13/09-2<span class=\"_ _1\"></span>8<span class=\"_ _9a\"> </span><span class=\"lsf6 ws158\">402<span class=\"_ _84\"> </span></span>0</span></span><span style=\"display:inherit;clear:left;\">2023<span class=\"_ _112\"> </span><span class=\"ls0 ws0\">F<span class=\"_ _2\"></span>ondsobligasjonsl\u00e5n<span class=\"_ _113\"> </span>NOK<span class=\"_ _111\"> </span><span class=\"ls83 wsdd\">225<span class=\"_ _28c\"> </span></span>3 mnd NIBOR + 3,<span class=\"_ _1\"></span>50 %<span class=\"_ _bd\"> </span>Call opsjon 25/01-<span class=\"_ _1\"></span>29<span class=\"_ _66\"> </span><span class=\"ls109 ws16b\">228<span class=\"_ _84\"> </span></span>0</span></span><span style=\"display:inherit;clear:left;\">2023<span class=\"_ _112\"> </span><span class=\"ls0 ws0\">F<span class=\"_ _2\"></span>ondsobligasjonsl\u00e5n<span class=\"_ _113\"> </span>NOK<span class=\"_ _ea\"> </span><span class=\"ls83 wsdd\">125<span class=\"_ _28c\"> </span></span>F<span class=\"_ _2\"></span>astr<span class=\"_ _1\"></span>ent<span class=\"_ _1\"></span>e, 7<span class=\"_ _0\"></span>,5<span class=\"_ _1\"></span>9 % p.a.<span class=\"_ _eb\"> </span>Call opsjon 25/01-<span class=\"_ _1\"></span>2<span class=\"_ _1\"></span>9<span class=\"_ _68\"> </span><span class=\"ls13 ws13\">1<span class=\"_ _8\"></span>27<span class=\"_ _84\"> </span></span>0</span></span><span style=\"display:inherit;clear:left;\">F<span class=\"_ _2\"></span>ondsobligasjoner<span class=\"_ _1ea\"> </span>1 650<span class=\"_ _79\"> </span><span class=\"ls83 wsdd\">1 6<span class=\"_ _8\"></span>68<span class=\"_ _78\"> </span></span>1 431</span><span style=\"display:inherit;clear:left;\">1)</span><span style=\"display:inherit;clear:left;\"> Tilf\u00f8rt v<span class=\"_ _1\"></span>ed sammensl\u00e5ing med E<span class=\"_ _2\"></span>tne Sparebank.<span class=\"ls0 ws0\"> </span></span><span style=\"display:inherit;clear:left;\">2)</span><span style=\"display:inherit;clear:left;\"> +<span class=\"_ _1\"></span>25<span class=\"_ _1\"></span> millioner kr<span class=\"_ _1\"></span>oner \u00ab\u00d8vrige<span class=\"_ _1\"></span> endringer\u00bb er r<span class=\"_ _1\"></span>ela<span class=\"_ _1\"></span>tert til fusjonen<span class=\"_ _1\"></span> mellom Spar<span class=\"_ _1\"></span>ebanken<span class=\"_ _1\"></span> V<span class=\"_ _1\"></span>est og<span class=\"_ _1\"></span> E<span class=\"_ _1\"></span>tne Spar<span class=\"_ _1\"></span>ebank.</span>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfSubordinatedLiabilitiesExplanatory",
    "language": "no",
    "entity": "scheme:213800M7T3CYVZ3ZRT12",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "s10_notes__6__94": {
   "value": "<span style=\"display:inherit;clear:left;\">No<span class=\"_ _1\"></span>te 42 Egenkap<span class=\"_ _1\"></span>ital<span class=\"_ _1\"></span>bevise<span class=\"_ _1\"></span>t</span><span style=\"display:inherit;clear:left;\">Eierandelskapitalen<span class=\"_ _1\"></span> per 31. desember 2<span class=\"_ _1\"></span>023 best\u00e5r a<span class=\"_ _1\"></span>v<span class=\"_ _1\"></span> 109 7<span class=\"_ _1\"></span>21 18<span class=\"_ _1\"></span>6 egenkapitalbe<span class=\"_ _1\"></span>vis p\u00e5ly<span class=\"_ _1\"></span>dende 25<span class=\"_ _1\"></span> kroner<span class=\"_ _0\"></span>.</span><span style=\"display:inherit;clear:left;\">Eier<span class=\"_ _1\"></span>andelsbr<span class=\"_ _1\"></span>\u00f8ken</span><span style=\"display:inherit;clear:left;\">Morbank (<span class=\"_ _1\"></span>tall i<span class=\"_ _1\"></span> tusen<span class=\"_ _1\"></span> kroner<span class=\"_ _1\"></span>)<span class=\"_ _2f1\"> </span><span class=\"ls0 ws0\">31/12<span class=\"_ _1\"></span>-2<span class=\"_ _1\"></span>3<span class=\"_ _10a\"> </span>31/12<span class=\"_ _1\"></span>-<span class=\"_ _1\"></span>22</span></span><span style=\"display:inherit;clear:left;\">Egenkapitalbevis<span class=\"_ _2f2\"> </span><span class=\"ls0 ws0\">2 7<span class=\"_ _0\"></span>43 030<span class=\"_ _c3\"> </span>2 7<span class=\"_ _2\"></span>43 03<span class=\"_ _1\"></span>0</span></span><span style=\"display:inherit;clear:left;\">Egne egenkapitalbe<span class=\"_ _1\"></span>vis<span class=\"_ _2df\"> </span>-884<span class=\"_ _9b\"> </span>-2 7<span class=\"_ _2\"></span>06</span><span style=\"display:inherit;clear:left;\">Overk<span class=\"_ _1\"></span>urs<span class=\"_ _19c\"> </span>1 966 2<span class=\"_ _1\"></span>96<span class=\"_ _111\"> </span>1 966 296</span><span style=\"display:inherit;clear:left;\">Utjevnings<span class=\"_ _1\"></span>f<span class=\"_ _1\"></span>ond<span class=\"_ _2f3\"> </span>2 7<span class=\"_ _1\"></span>88 622<span class=\"_ _bf\"> </span>2 523 35<span class=\"_ _1\"></span>9</span><span style=\"display:inherit;clear:left;\">Sum eier<span class=\"_ _1\"></span>andelskapital (A)<span class=\"_ _2f4\"> </span>7 4<span class=\"_ _1\"></span>9<span class=\"_ _1\"></span>7 064<span class=\"_ _bf\"> </span>7 229 9<span class=\"_ _2\"></span>78</span><span style=\"display:inherit;clear:left;\">Grunnf<span class=\"_ _1\"></span>ondskapital<span class=\"_ _1f6\"> </span>10 75<span class=\"_ _1\"></span>0 33<span class=\"_ _1\"></span>7<span class=\"_ _c0\"> </span>10 3<span class=\"_ _1\"></span>7<span class=\"_ _1\"></span>3 0<span class=\"_ _1\"></span>33</span><span style=\"display:inherit;clear:left;\">Kompensasjons<span class=\"_ _1\"></span>f<span class=\"_ _1\"></span>ond<span class=\"_ _2e1\"> </span><span class=\"ls82 ws14b\">3<span class=\"_ _8\"></span>5 508<span class=\"_ _cd\"> </span>35<span class=\"_ _8\"></span> 508</span></span><span style=\"display:inherit;clear:left;\">Ga<span class=\"_ _1\"></span>ve<span class=\"_ _1\"></span>f<span class=\"_ _1\"></span>ond<span class=\"_ _2f5\"> </span>150 000<span class=\"_ _c7\"> </span>150 000</span><span style=\"display:inherit;clear:left;\">Sum grunnf<span class=\"_ _1\"></span>ondskapital (B)<span class=\"_ _2f6\"> </span>10 935 84<span class=\"_ _1\"></span>5<span class=\"_ _e0\"> </span>10 558 54<span class=\"_ _2\"></span>1</span><span style=\"display:inherit;clear:left;\">F<span class=\"_ _2\"></span>ond for ur<span class=\"_ _1\"></span>ealiserte ge<span class=\"_ _1\"></span>vinst<span class=\"_ _1\"></span>er<span class=\"_ _238\"> </span>113 530<span class=\"_ _8a\"> </span><span class=\"ls136 ws1e3\">93 5<span class=\"_ _8\"></span>56</span></span><span style=\"display:inherit;clear:left;\">Hybridkapital<span class=\"_ _2f7\"> </span>1 66<span class=\"_ _1\"></span>7 913<span class=\"_ _5a\"> </span>1 430 7<span class=\"_ _1\"></span>56</span><span style=\"display:inherit;clear:left;\">Egenkapital<span class=\"_ _22b\"> </span>20 214 3<span class=\"_ _1\"></span>52<span class=\"_ _c2\"> </span>19 312 831</span><span style=\"display:inherit;clear:left;\">Eierandelsbr<span class=\"_ _1\"></span>\u00f8k e<span class=\"_ _1\"></span>tt<span class=\"_ _1\"></span>er utdelt utb<span class=\"_ _2\"></span>ytte (A /(A+ B))<span class=\"_ _140\"> </span><span class=\"ls152 ws203\">4<span class=\"_ _8\"></span>0<span class=\"_ _8\"></span>,7<span class=\"_ _a\"></span> %<span class=\"_ _6b\"> </span><span class=\"ls109 ws16b\">40,6<span class=\"_ _8\"></span> %</span></span></span><span style=\"display:inherit;clear:left;\">V<span class=\"_ _1\"></span>ekt<span class=\"_ _1\"></span>e<span class=\"_ _1\"></span>t eierandelsbr<span class=\"_ _1\"></span>\u00f8k gjennom \u00e5r<span class=\"_ _1\"></span>e<span class=\"_ _1\"></span>t<span class=\"_ _1bb\"> </span><span class=\"ls109 ws16b\">40,6<span class=\"_ _8\"></span> %<span class=\"_ _83\"> </span>40,0 %</span></span><span style=\"display:inherit;clear:left;\">Utb<span class=\"_ _1\"></span>ytt<span class=\"_ _1\"></span>e pr<span class=\"_ _2\"></span>. egenkapitalbe<span class=\"_ _1\"></span>vis<span class=\"_ _2ab\"> </span><span class=\"ls14a ws1fa\">7,<span class=\"_ _38\"></span>5<span class=\"_ _a\"></span>0<span class=\"_ _8d\"> </span><span class=\"ls139 ws1e6\">5,50</span></span></span><span style=\"display:inherit;clear:left;\">T<span class=\"_ _0\"></span>otalt utb<span class=\"_ _1\"></span>ytt<span class=\"_ _1\"></span>e p\u00e5 109 7<span class=\"_ _1\"></span>21 186 eg<span class=\"_ _1\"></span>enkapitalbe<span class=\"_ _1\"></span>vis (1 000 kroner)<span class=\"_ _20f\"> </span>8<span class=\"_ _1\"></span>22 909<span class=\"_ _a3\"> </span><span class=\"ls6b wsc3\">6<span class=\"_ _8\"></span>03<span class=\"_ _8\"></span> 467</span></span><span style=\"display:inherit;clear:left;\">Egne egenkapitalbe<span class=\"_ _1\"></span>vis</span><span style=\"display:inherit;clear:left;\">Ved kj\u00f8p av eg<span class=\"_ _8\"></span>ne e<span class=\"_ _8\"></span>genka<span class=\"_ _8\"></span>pit<span class=\"_ _8\"></span>alb<span class=\"_ _8\"></span>evis b<span class=\"_ _8\"></span>lir kj<span class=\"_ _8\"></span>\u00f8p<span class=\"_ _8\"></span>esum<span class=\"_ _8\"></span>men i<span class=\"_ _8\"></span>nkl<span class=\"_ _8\"></span>usive di<span class=\"_ _8\"></span>rek<span class=\"_ _8\"></span>te kost<span class=\"_ _8\"></span>nader f\u00f8<span class=\"_ _8\"></span>rt s<span class=\"_ _8\"></span>om red<span class=\"_ _8\"></span>uksj<span class=\"_ _8\"></span>on i ege<span class=\"_ _8\"></span>nkap<span class=\"_ _8\"></span>ita<span class=\"_ _8\"></span>len<span class=\"_ _8\"></span>. P\u00e5lyde<span class=\"_ _8\"></span>nde av </span><span style=\"display:inherit;clear:left;\">egne egenkapitalbevis<span class=\"_ _1\"></span> blir f<span class=\"_ _1\"></span>\u00f8rt opp med negativt bel\u00f8p p\u00e5<span class=\"_ _1\"></span> egen li<span class=\"_ _1\"></span>nje under eier<span class=\"_ _1\"></span>andelskapitalen. Kj\u00f8pesum ut<span class=\"_ _1\"></span> ov<span class=\"_ _1\"></span>er p\u00e5ly<span class=\"_ _1\"></span>dende g\u00e5r ti<span class=\"_ _1\"></span>l </span><span style=\"display:inherit;clear:left;\">fradr<span class=\"_ _1\"></span>ag i utje<span class=\"_ _1\"></span>vningsfondet.</span><span style=\"display:inherit;clear:left;\">2023<span class=\"_ _93\"> </span>2022</span><span style=\"display:inherit;clear:left;\">Antall egne egenkapitalbevis 1/1<span class=\"_ _1ee\"> </span><span class=\"ls0 ws0\">108 255<span class=\"_ _cc\"> </span>185 2<span class=\"_ _1\"></span>86</span></span><span style=\"display:inherit;clear:left;\">Kj\u00f8pte eg<span class=\"_ _1\"></span>enkapitalbevis<span class=\"_ _1de\"> </span><span class=\"ls0 ws0\">2<span class=\"_ _1\"></span>39 5<span class=\"_ _1\"></span>11<span class=\"_ _dc\"> </span>170 2<span class=\"_ _1\"></span>00</span></span><span style=\"display:inherit;clear:left;\">Solgte eg<span class=\"_ _1\"></span>enkapitalbevis<span class=\"_ _2f8\"> </span>312 40<span class=\"_ _1\"></span>9<span class=\"_ _cb\"> </span><span class=\"ls13e ws1ec\">2<span class=\"_ _8\"></span>47<span class=\"_ _8\"></span> 2<span class=\"_ _a\"></span>3<span class=\"_ _8\"></span>1</span></span><span style=\"display:inherit;clear:left;\">Antall egne eg<span class=\"_ _1\"></span>enkapitalbe<span class=\"_ _1\"></span>vis 31/12<span class=\"_ _297\"> </span><span class=\"ls9 ws9\">35 357<span class=\"_ _19a\"> </span></span>108 255</span><span style=\"display:inherit;clear:left;\">Ef<span class=\"_ _1\"></span>fektiv a<span class=\"_ _2\"></span>vkastning pr<span class=\"_ _0\"></span>. egenkapitalbevis</span><span style=\"display:inherit;clear:left;\">2023<span class=\"_ _93\"> </span>2022</span><span style=\"display:inherit;clear:left;\">B\u00f8rskurs 3<span class=\"_ _1\"></span>1/12<span class=\"_ _2f9\"> </span><span class=\"ls109 ws16b\">10<span class=\"_ _8\"></span>9,4<span class=\"_ _8\"></span>0<span class=\"_ _108\"> </span><span class=\"lsf6 ws158\">92,<span class=\"_ _8\"></span>40</span></span></span><span style=\"display:inherit;clear:left;\">Utbetalt utb<span class=\"_ _1\"></span>yt<span class=\"_ _1\"></span>te i \u00e5r<span class=\"_ _1\"></span>e<span class=\"_ _1\"></span>t<span class=\"_ _2e0\"> </span><span class=\"ls12c ws1d6\">8,50<span class=\"_ _11\"> </span>4,5<span class=\"_ _8\"></span>0</span></span><span style=\"display:inherit;clear:left;\">B\u00f8rskurs 1/1<span class=\"_ _12d\"> </span><span class=\"lsf6 ws158\">92,<span class=\"_ _8\"></span>40<span class=\"_ _83\"> </span></span>100,2<span class=\"_ _1\"></span>0</span><span style=\"display:inherit;clear:left;\">Ef<span class=\"_ _1\"></span>f<span class=\"_ _1\"></span>ektiv a<span class=\"_ _1\"></span>vkastning i kr<span class=\"_ _1\"></span>oner<span class=\"_ _2fa\"> </span><span class=\"ls139 ws1e6\">25,50<span class=\"_ _1b\"> </span><span class=\"ls84 wsdf\">-3,<span class=\"_ _8\"></span>30</span></span></span><span style=\"display:inherit;clear:left;\">Ef<span class=\"_ _1\"></span>f<span class=\"_ _1\"></span>ektiv a<span class=\"_ _1\"></span>vkastning i pr<span class=\"_ _1\"></span>osen<span class=\"_ _1\"></span>t<span class=\"_ _2c1\"> </span><span class=\"ls14a ws1fa\">2<span class=\"_ _a\"></span>7,<span class=\"_ _a\"></span>6<span class=\"_ _38\"></span>0<span class=\"_ _12\"> </span><span class=\"ls84 wsdf\">-3,<span class=\"_ _8\"></span>29</span></span></span><span style=\"display:inherit;clear:left;\">Andel a<span class=\"_ _1\"></span>v <span class=\"_ _4\"></span> </span><span style=\"display:inherit;clear:left;\">20 S<span class=\"_ _1\"></span>t\u00f8rs<span class=\"_ _1\"></span>te eier<span class=\"_ _1\"></span>e<span class=\"_ _2fb\"> </span><span class=\"ls0 ws0\">Antall EKB</span></span><span style=\"display:inherit;clear:left;\">EKB-kap. %</span><span style=\"display:inherit;clear:left;\">Sparebanksti<span class=\"_ _1\"></span>ftinga Hardang<span class=\"_ _1\"></span>er<span class=\"_ _155\"> </span><span class=\"ls0 ws0\"> 11 95<span class=\"_ _1\"></span>4 39<span class=\"_ _1\"></span>4 <span class=\"_ _1a\"> </span><span class=\"ls109 ws16b\">10,<span class=\"_ _8\"></span>89</span></span></span><span style=\"display:inherit;clear:left;\">P<span class=\"_ _1\"></span>are<span class=\"_ _1\"></span>t<span class=\"_ _1\"></span>o Inv<span class=\"_ _1\"></span>est Nor<span class=\"_ _1\"></span>g<span class=\"_ _1\"></span>e AS<span class=\"_ _2f8\"> </span> 8 4<span class=\"_ _1\"></span>11 112 <span class=\"_ _e9\"> </span><span class=\"ls14a ws1fa\">7,<span class=\"_ _a\"></span>6<span class=\"_ _a\"></span>7</span></span><span style=\"display:inherit;clear:left;\">Gev<span class=\"_ _1\"></span>er<span class=\"_ _1\"></span>an T<span class=\"_ _2\"></span>ra<span class=\"_ _1\"></span>ding Company L<span class=\"_ _0\"></span>TD<span class=\"_ _2b2\"> </span> 4 39<span class=\"_ _2\"></span>7 818 <span class=\"_ _91\"> </span><span class=\"ls109 ws16b\">4,01</span></span><span style=\"display:inherit;clear:left;\">V<span class=\"_ _2\"></span>erdipapirfonde<span class=\"_ _1\"></span>t Alfr<span class=\"_ _1\"></span>ed Ber<span class=\"_ _1\"></span>g Gambak<span class=\"_ _2cc\"> </span> 3 5<span class=\"_ _1\"></span>8<span class=\"_ _1\"></span>9 28<span class=\"_ _1\"></span>2 <span class=\"_ _3e\"> </span><span class=\"ls13 ws13\">3<span class=\"_ _8\"></span>,27</span></span><span style=\"display:inherit;clear:left;\">VPF Eika Egenkapitalbe<span class=\"_ _1\"></span>vis<span class=\"_ _24f\"> </span> 3 43<span class=\"_ _1\"></span>7 214 <span class=\"_ _10\"> </span><span class=\"ls146 ws1f6\">3<span class=\"_ _a\"></span>,1<span class=\"_ _a\"></span>3</span></span><span style=\"display:inherit;clear:left;\">Sparebank<span class=\"_ _1\"></span>stift<span class=\"_ _1\"></span>elsen Sauda<span class=\"_ _2fc\"> </span> 3 144 264 <span class=\"_ _3e\"> </span><span class=\"ls132 ws1de\">2<span class=\"_ _8\"></span>,<span class=\"_ _8\"></span>87</span></span><span style=\"display:inherit;clear:left;\">Kommunal Landspensjonskas<span class=\"_ _1\"></span>se Gjensidige<span class=\"_ _2a5\"> </span> 2 764 18<span class=\"_ _1\"></span>5 <span class=\"_ _21a\"> </span><span class=\"ls138 ws1e5\">2<span class=\"_ _8\"></span>,52</span></span><span style=\"display:inherit;clear:left;\">Sparebank<span class=\"_ _1\"></span>stifting<span class=\"_ _1\"></span>a Etne<span class=\"_ _241\"> </span> 2 514 296 <span class=\"_ _8d\"> </span>2,29</span><span style=\"display:inherit;clear:left;\">P<span class=\"_ _1\"></span>are<span class=\"_ _1\"></span>t<span class=\"_ _1\"></span>o Aksje Nor<span class=\"_ _1\"></span>ge V<span class=\"_ _2\"></span>erdipapirf<span class=\"_ _1\"></span>ond<span class=\"_ _289\"> </span> 2 49<span class=\"_ _1\"></span>2 54<span class=\"_ _2\"></span>7 <span class=\"_ _3e\"> </span>2,27</span><span style=\"display:inherit;clear:left;\">Spesialfonde<span class=\"_ _1\"></span>t Bor<span class=\"_ _1\"></span>ea Utb<span class=\"_ _1\"></span>ytt<span class=\"_ _1\"></span>e<span class=\"_ _2b3\"> </span> 2 216 04<span class=\"_ _2\"></span>1 <span class=\"_ _8d\"> </span><span class=\"ls109 ws16b\">2<span class=\"_ _8\"></span>,02</span></span><span style=\"display:inherit;clear:left;\">Bro<span class=\"_ _1\"></span>wn Br<span class=\"_ _1\"></span>o<span class=\"_ _1\"></span>thers Harriman &amp; Co.<span class=\"_ _2b4\"> </span> 2 183 0<span class=\"_ _1\"></span>7<span class=\"_ _1\"></span>5 <span class=\"_ _e9\"> </span><span class=\"ls82 ws14b\">1,99</span></span><span style=\"display:inherit;clear:left;\">Blomest<span class=\"_ _1\"></span>\u00f8 AS<span class=\"_ _2e2\"> </span> 2 000 000 <span class=\"_ _9a\"> </span><span class=\"ls138 ws1e5\">1,<span class=\"_ _8\"></span>82</span></span><span style=\"display:inherit;clear:left;\">Sta<span class=\"_ _1\"></span>t<span class=\"_ _1\"></span>e Str<span class=\"_ _1\"></span>ee<span class=\"_ _1\"></span>t Bank and T<span class=\"_ _2\"></span>rust Comp<span class=\"_ _2fd\"> </span> 1 89<span class=\"_ _1\"></span>2 95<span class=\"_ _1\"></span>8 <span class=\"_ _92\"> </span><span class=\"ls152 ws203\">1<span class=\"_ _38\"></span>,7<span class=\"_ _8\"></span>3</span></span><span style=\"display:inherit;clear:left;\">J.P<span class=\"_ _0\"></span>. Morg<span class=\"_ _1\"></span>an SE<span class=\"_ _2fe\"> </span> 1 33<span class=\"_ _1\"></span>7 2<span class=\"_ _1\"></span>7<span class=\"_ _1\"></span>3 <span class=\"_ _e9\"> </span>1,22</span><span style=\"display:inherit;clear:left;\">V<span class=\"_ _2\"></span>erdipapirfonde<span class=\"_ _1\"></span>t Nor<span class=\"_ _1\"></span>dea Norg<span class=\"_ _1\"></span>e V<span class=\"_ _2\"></span>erdi<span class=\"_ _2ff\"> </span> 1 30<span class=\"_ _1\"></span>3 343 <span class=\"_ _96\"> </span>1,<span class=\"_ _1\"></span>19</span><span style=\"display:inherit;clear:left;\">DNB Marke<span class=\"_ _1\"></span>ts Aksjehandel/-<span class=\"_ _1\"></span>Analy<span class=\"_ _1\"></span>se<span class=\"_ _289\"> </span> 1 2<span class=\"_ _1\"></span>96 85<span class=\"_ _1\"></span>9 <span class=\"_ _3d\"> </span>1,<span class=\"_ _0\"></span>18</span><span style=\"display:inherit;clear:left;\">Sparebank<span class=\"_ _1\"></span>stift<span class=\"_ _1\"></span>elsen Spar<span class=\"_ _1\"></span>ebanken V<span class=\"_ _2\"></span>est<span class=\"_ _137\"> </span> 1 19<span class=\"_ _1\"></span>3 95<span class=\"_ _1\"></span>8 <span class=\"_ _e9\"> </span><span class=\"ls109 ws16b\">1,0<span class=\"_ _8\"></span>9</span></span><span style=\"display:inherit;clear:left;\">Spar Shipping AS<span class=\"_ _1dc\"> </span> 1 183 48<span class=\"_ _1\"></span>0 <span class=\"_ _e9\"> </span><span class=\"ls109 ws16b\">1,0<span class=\"_ _8\"></span>8</span></span><span style=\"display:inherit;clear:left;\">J.P<span class=\"_ _0\"></span>. Morg<span class=\"_ _1\"></span>an SE<span class=\"_ _300\"> </span> 1 117 30<span class=\"_ _1\"></span>3 <span class=\"_ _e9\"> </span><span class=\"ls109 ws16b\">1<span class=\"_ _8\"></span>,02</span></span><span style=\"display:inherit;clear:left;\">MP Pensjon <span class=\"_ _301\"> </span> 1 085 43<span class=\"_ _1\"></span>6 <span class=\"_ _16\"> </span><span class=\"ls109 ws16b\">0,<span class=\"_ _8\"></span>99</span></span><span style=\"display:inherit;clear:left;\">Sum<span class=\"_ _302\"> </span>59 5<span class=\"_ _1\"></span>14 83<span class=\"_ _1\"></span>8<span class=\"_ _5d\"> </span><span class=\"ls6b wsc3\">54,<span class=\"_ _8\"></span>24</span></span><span style=\"display:inherit;clear:left;\">F<span class=\"_ _2\"></span>ordeling e<span class=\"_ _1\"></span>tter an<span class=\"_ _1\"></span>tall <span class=\"_ _228\"> </span>   V<span class=\"_ _2\"></span>oluminterv<span class=\"_ _1\"></span>all<span class=\"_ _98\"> </span>Antall EKB<span class=\"_ _10b\"> </span>Andel i %<span class=\"_ _11a\"> </span>Antall eier<span class=\"_ _1\"></span>e<span class=\"_ _10b\"> </span>Andel i %</span><span style=\"display:inherit;clear:left;\">1 - 1 000<span class=\"_ _a2\"> </span>2 440 83<span class=\"_ _2\"></span>7<span class=\"_ _78\"> </span>2,22<span class=\"_ _72\"> </span><span class=\"ls139 ws1e6\">7 3<span class=\"_ _8\"></span>51<span class=\"_ _108\"> </span><span class=\"ls109 ws16b\">6<span class=\"_ _8\"></span>4,02</span></span></span><span style=\"display:inherit;clear:left;\">1 001 - 10 000<span class=\"_ _3e\"> </span>11 32<span class=\"_ _1\"></span>9 39<span class=\"_ _2\"></span>7<span class=\"_ _93\"> </span>10,3<span class=\"_ _1\"></span>3<span class=\"_ _6e\"> </span><span class=\"ls133 ws1e0\">3 554<span class=\"_ _94\"> </span><span class=\"ls109 ws16b\">30,9<span class=\"_ _8\"></span>5</span></span></span><span style=\"display:inherit;clear:left;\">10 001 - 100 000<span class=\"_ _8e\"> </span>12 542 95<span class=\"_ _1\"></span>9<span class=\"_ _1a\"> </span>11,43<span class=\"_ _3e\"> </span><span class=\"ls138 ws1e5\">4<span class=\"_ _8\"></span>82<span class=\"_ _18\"> </span><span class=\"ls125 ws1cf\">4,20</span></span></span><span style=\"display:inherit;clear:left;\">100 001 - 1 000 000<span class=\"_ _c7\"> </span>20 777 55<span class=\"_ _1\"></span>7<span class=\"_ _74\"> </span></span><span style=\"display:inherit;clear:left;\">1<span class=\"_ _8\"></span>8,94<span class=\"_ _97\"> </span><span class=\"ls137 ws1e4\">72<span class=\"_ _78\"> </span><span class=\"ls109 ws16b\">0,6<span class=\"_ _8\"></span>3</span></span></span><span style=\"display:inherit;clear:left;\">1 000 001 -<span class=\"_ _d5\"> </span>62 630 436<span class=\"_ _74\"> </span></span><span style=\"display:inherit;clear:left;\">5<span class=\"_ _a\"></span>7,<span class=\"_ _a\"></span>0<span class=\"_ _38\"></span>8<span class=\"_ _15\"> </span><span class=\"ls21 ws175\">23<span class=\"_ _18\"> </span><span class=\"ls109 ws16b\">0,<span class=\"_ _8\"></span>20</span></span></span><span style=\"display:inherit;clear:left;\">Sum<span class=\"_ _206\"> </span>109 7<span class=\"_ _1\"></span>21 186<span class=\"_ _91\"> </span>100<span class=\"_ _107\"> </span>11 482<span class=\"_ _91\"> </span>100</span><span style=\"display:inherit;clear:left;\">Ege<span class=\"_ _8\"></span>nkap<span class=\"_ _8\"></span>ita<span class=\"_ _8\"></span>lbev<span class=\"_ _8\"></span>is ei<span class=\"_ _8\"></span>et av dag<span class=\"_ _8\"></span>lig l<span class=\"_ _8\"></span>ede<span class=\"_ _8\"></span>r<span class=\"_ _2\"></span>, l<span class=\"_ _8\"></span>ede<span class=\"_ _8\"></span>nde a<span class=\"_ _8\"></span>nsatt<span class=\"_ _8\"></span>e, me<span class=\"_ _8\"></span>dlem<span class=\"_ _8\"></span>mer av st<span class=\"_ _8\"></span>yret og d<span class=\"_ _8\"></span>eres p<span class=\"_ _8\"></span>ers<span class=\"_ _8\"></span>onl<span class=\"_ _8\"></span>ige n\u00e6<span class=\"_ _8\"></span>rst\u00e5e<span class=\"_ _8\"></span>nde<span class=\"_ _8\"></span>, samt m<span class=\"_ _8\"></span>edl<span class=\"_ _8\"></span>emm<span class=\"_ _8\"></span>er av </span><span style=\"display:inherit;clear:left;\">genera<span class=\"_ _1\"></span>lforsamling<span class=\"_ _1\"></span>en, definert etter<span class=\"_ _1\"></span> regnskapslov<span class=\"_ _1\"></span>ens \u00a7<span class=\"_ _1\"></span> 7<span class=\"_ _2\"></span>-<span class=\"_ _1\"></span>2<span class=\"_ _1\"></span>6 og til<span class=\"_ _1\"></span>leg<span class=\"_ _8\"></span>gsf<span class=\"_ _1\"></span>orskrift \u00a7 8<span class=\"_ _1\"></span>-<span class=\"_ _2\"></span>20.</span><span style=\"display:inherit;clear:left;\">Antall EKB</span><span style=\"display:inherit;clear:left;\">Jan Erik<span class=\"_ _1\"></span> Kjerpeseth, Konserns<span class=\"_ _1\"></span>jef<span class=\"_ _16e\"> </span></span><span style=\"display:inherit;clear:left;\">182 18<span class=\"_ _1\"></span>2</span><span style=\"display:inherit;clear:left;\">Aud Margunn Aas Minne, K<span class=\"_ _1\"></span>onserndir<span class=\"_ _1\"></span>ekt\u00f8r Bedriftsmark<span class=\"_ _1\"></span>ed<span class=\"_ _266\"> </span>21 186</span><span style=\"display:inherit;clear:left;\">Jan-St<span class=\"_ _1\"></span>\u00e5le Ha<span class=\"_ _1\"></span>tlebakk, Konserndir<span class=\"_ _1\"></span>ekt\u00f8r Risk Manag<span class=\"_ _1\"></span>ement/CRO<span class=\"_ _27a\"> </span><span class=\"ls12c ws1d6\">36<span class=\"_ _8\"></span> 036</span></span><span style=\"display:inherit;clear:left;\">F<span class=\"_ _1\"></span>r<span class=\"_ _1\"></span>ank Ot<span class=\"_ _1\"></span>to Johannesen, K<span class=\"_ _1\"></span>onserndir<span class=\"_ _1\"></span>ekt\u00f8r CF<span class=\"_ _2\"></span>O<span class=\"_ _26a\"> </span><span class=\"ls135 ws1e2\">89 33<span class=\"_ _8\"></span>9</span></span><span style=\"display:inherit;clear:left;\">Siren Sundland, K<span class=\"_ _1\"></span>onserndir<span class=\"_ _1\"></span>ekt\u00f8r S<span class=\"_ _1\"></span>tr<span class=\"_ _1\"></span>a<span class=\"_ _1\"></span>tegi og Digital distribusjon<span class=\"_ _303\"> </span><span class=\"ls31 ws81\">84<span class=\"_ _8\"></span> 759</span></span><span style=\"display:inherit;clear:left;\">Therese Linn Ar<span class=\"_ _1\"></span>en<span class=\"_ _1\"></span>tsen, K<span class=\"_ _1\"></span>onserndir<span class=\"_ _1\"></span>ekt\u00f8r HR og Or<span class=\"_ _1\"></span>ganisasjon<span class=\"_ _2c2\"> </span>12 646</span><span style=\"display:inherit;clear:left;\">Simen L\u00f8land Aarsk<span class=\"_ _1\"></span>og, Konserndir<span class=\"_ _1\"></span>ekt\u00f8r P<span class=\"_ _1\"></span>ersonmark<span class=\"_ _1\"></span>ed S\u00f8r<span class=\"_ _304\"> </span><span class=\"ls120 ws1cb\">11 666</span></span><span style=\"display:inherit;clear:left;\">Hans Ola<span class=\"_ _1\"></span>v Ingdal, K<span class=\"_ _1\"></span>onserndir<span class=\"_ _1\"></span>ekt\u00f8r Banking Services<span class=\"_ _155\"> </span>13 221</span><span style=\"display:inherit;clear:left;\">Ola<span class=\"_ _1\"></span>v Hovland, k<span class=\"_ _1\"></span>ons<span class=\"_ _1\"></span>tituert Konserndir<span class=\"_ _1\"></span>ekt\u00f8r P<span class=\"_ _1\"></span>ersonmark<span class=\"_ _1\"></span>ed Nor<span class=\"_ _1\"></span>d<span class=\"_ _2e8\"> </span>5 902</span><span style=\"display:inherit;clear:left;\">Arild Hugleik B\u00f8dal, Styr<span class=\"_ _1\"></span>e<span class=\"_ _1\"></span>ts leder<span class=\"_ _6c\"> </span>71 001</span><span style=\"display:inherit;clear:left;\">Magne Morken, S<span class=\"_ _1\"></span>tyr<span class=\"_ _1\"></span>ets nes<span class=\"_ _1\"></span>tleder<span class=\"_ _2a2\"> </span>10 000</span><span style=\"display:inherit;clear:left;\">Agnethe Br<span class=\"_ _1\"></span>ekke, S<span class=\"_ _1\"></span>tyr<span class=\"_ _1\"></span>emedlem<span class=\"_ _305\"> </span><span class=\"ls131 ws1dd\">6<span class=\"_ _8\"></span>41</span></span><span style=\"display:inherit;clear:left;\">Marianne Dorthea Jacobsen, S<span class=\"_ _1\"></span>tyr<span class=\"_ _1\"></span>emedlem<span class=\"_ _1b5\"> </span><span class=\"ls61 wsb5\">1<span class=\"_ _8\"></span> 2<span class=\"_ _8\"></span>37</span></span><span style=\"display:inherit;clear:left;\">Gunnar Skeie, S<span class=\"_ _1\"></span>tyr<span class=\"_ _1\"></span>emedlem<span class=\"_ _19c\"> </span>11 069</span><span style=\"display:inherit;clear:left;\">Kristin R\u00f8<span class=\"_ _1\"></span>yrbo<span class=\"_ _1\"></span>tt<span class=\"_ _1\"></span>en Ax<span class=\"_ _1\"></span>elsen, Styr<span class=\"_ _1\"></span>emedlem ansa<span class=\"_ _1\"></span>t<span class=\"_ _1\"></span>tr<span class=\"_ _1\"></span>epresen<span class=\"_ _1\"></span>tan<span class=\"_ _1\"></span>t<span class=\"_ _1e0\"> </span>10 650</span><span style=\"display:inherit;clear:left;\">Henrik Mogens Gundersen, S<span class=\"_ _1\"></span>tyr<span class=\"_ _1\"></span>emedlem ansa<span class=\"_ _1\"></span>ttr<span class=\"_ _1\"></span>epr<span class=\"_ _1\"></span>esen<span class=\"_ _1\"></span>tan<span class=\"_ _1\"></span>t<span class=\"_ _1ba\"> </span>1 480</span><span style=\"display:inherit;clear:left;\">Stig S<span class=\"_ _1\"></span>tandal T<span class=\"_ _0\"></span>aule, Styr<span class=\"_ _1\"></span>emedlem ansa<span class=\"_ _1\"></span>ttr<span class=\"_ _1\"></span>epr<span class=\"_ _1\"></span>esen<span class=\"_ _1\"></span>tan<span class=\"_ _1\"></span>t<span class=\"_ _2ae\"> </span>8 883</span><span style=\"display:inherit;clear:left;\">Karen Mar<span class=\"_ _1\"></span>gr<span class=\"_ _1\"></span>e<span class=\"_ _1\"></span>te Riisnes, V<span class=\"_ _2\"></span>aramedlem f<span class=\"_ _1\"></span>or ansa<span class=\"_ _2\"></span>ttrepr<span class=\"_ _1\"></span>esen<span class=\"_ _1\"></span>tan<span class=\"_ _1\"></span>t i styr<span class=\"_ _1\"></span>e<span class=\"_ _1\"></span>t<span class=\"_ _152\"> </span><span class=\"ls136 ws1e3\">935</span></span><span style=\"display:inherit;clear:left;\">Hallv<span class=\"_ _1\"></span>ard Bj\u00f8r<span class=\"_ _1\"></span>gum, Medlem g<span class=\"_ _1\"></span>ener<span class=\"_ _1\"></span>alf<span class=\"_ _1\"></span>orsamlingen<span class=\"_ _306\"> </span>4 400</span><span style=\"display:inherit;clear:left;\">Christina Schieldr<span class=\"_ _1\"></span>op<span class=\"_ _1\"></span>, Medlem gener<span class=\"_ _1\"></span>alf<span class=\"_ _1\"></span>orsamling<span class=\"_ _1\"></span>en<span class=\"_ _2b1\"> </span>2 061</span><span style=\"display:inherit;clear:left;\">Arvid Eriksen, Medlem gener<span class=\"_ _1\"></span>alf<span class=\"_ _1\"></span>orsamling<span class=\"_ _1\"></span>en<span class=\"_ _1a9\"> </span><span class=\"ls61 wsb5\">1<span class=\"_ _8\"></span> 78<span class=\"_ _8\"></span>2</span></span><span style=\"display:inherit;clear:left;\">Jost<span class=\"_ _1\"></span>ein Lid, Medlem gener<span class=\"_ _1\"></span>alf<span class=\"_ _1\"></span>orsamling<span class=\"_ _1\"></span>en<span class=\"_ _307\"> </span>2 011</span><span style=\"display:inherit;clear:left;\">Ma<span class=\"_ _1\"></span>thias Hunsk\u00e5r F<span class=\"_ _2\"></span>urevik, Medlem gener<span class=\"_ _1\"></span>alf<span class=\"_ _1\"></span>orsamling<span class=\"_ _1\"></span>en<span class=\"_ _289\"> </span><span class=\"ls6 ws6\">3<span class=\"_ _8\"></span> 4<span class=\"_ _8\"></span>07</span></span><span style=\"display:inherit;clear:left;\">Bjarte  F<span class=\"_ _2\"></span>alkanger<span class=\"_ _0\"></span>, Medlem gener<span class=\"_ _1\"></span>alf<span class=\"_ _1\"></span>orsamlingen<span class=\"_ _238\"> </span><span class=\"ls140 ws1ee\">2<span class=\"_ _38\"></span> 74<span class=\"_ _a\"></span>9</span></span><span style=\"display:inherit;clear:left;\">Vibeke S<span class=\"_ _1\"></span>torvik, Medlem gener<span class=\"_ _1\"></span>alf<span class=\"_ _1\"></span>orsamlingen<span class=\"_ _308\"> </span><span class=\"ls12c ws1d6\">2 836</span></span><span style=\"display:inherit;clear:left;\">Ca<span class=\"_ _1\"></span>thia Baar<span class=\"_ _1\"></span>\u00f8y<span class=\"_ _0\"></span>, Medlem gener<span class=\"_ _1\"></span>alf<span class=\"_ _1\"></span>orsamlingen<span class=\"_ _2c1\"> </span><span class=\"ls125 ws1cf\">1 626</span></span><span style=\"display:inherit;clear:left;\">Inge  V<span class=\"_ _2\"></span>ard\u00f8<span class=\"_ _1\"></span>y<span class=\"_ _0\"></span>, Medlem generalf<span class=\"_ _1\"></span>orsamling<span class=\"_ _1\"></span>en<span class=\"_ _309\"> </span>5 17<span class=\"_ _0\"></span>4</span><span style=\"display:inherit;clear:left;\">Solfrid Hagen, Medlem g<span class=\"_ _1\"></span>ener<span class=\"_ _1\"></span>alfor<span class=\"_ _1\"></span>samlingen<span class=\"_ _2c1\"> </span><span class=\"ls140 ws1ee\">4<span class=\"_ _a\"></span> 74<span class=\"_ _8\"></span>7</span></span><span style=\"display:inherit;clear:left;\">T<span class=\"_ _2\"></span>rond Dr<span class=\"_ _1\"></span>e<span class=\"_ _1\"></span>y<span class=\"_ _1\"></span>er<span class=\"_ _0\"></span>, Medlem generalf<span class=\"_ _1\"></span>orsamling<span class=\"_ _1\"></span>en<span class=\"_ _30a\"> </span><span class=\"ls135 ws1e2\">892</span></span><span style=\"display:inherit;clear:left;\">T<span class=\"_ _2\"></span>rond Mohn, Medlem g<span class=\"_ _1\"></span>ener<span class=\"_ _1\"></span>alfor<span class=\"_ _1\"></span>samlingen<span class=\"_ _30b\"> </span><span class=\"ls82 ws14b\">46 450</span></span><span style=\"display:inherit;clear:left;\">Eivind Lunde, Medlem gener<span class=\"_ _1\"></span>alf<span class=\"_ _1\"></span>orsamling<span class=\"_ _1\"></span>en<span class=\"_ _30c\"> </span><span class=\"ls133 ws1e0\">10 540</span></span><span style=\"display:inherit;clear:left;\">\u00c5smund Sk\u00e5r<span class=\"_ _0\"></span>, Medlem generalf<span class=\"_ _1\"></span>orsamling<span class=\"_ _1\"></span>en<span class=\"_ _256\"> </span>2 000</span><span style=\"display:inherit;clear:left;\">Lars Martin Lunde, Medlem gener<span class=\"_ _1\"></span>alf<span class=\"_ _1\"></span>orsamling<span class=\"_ _1\"></span>en<span class=\"_ _2f6\"> </span>3 000</span><span style=\"display:inherit;clear:left;\">Anne Maria Langeland, Medlem g<span class=\"_ _1\"></span>ener<span class=\"_ _1\"></span>alfor<span class=\"_ _1\"></span>samlingen<span class=\"_ _2a8\"> </span><span class=\"ls133 ws1e0\">3 554</span></span><span style=\"display:inherit;clear:left;\">Monica Salthella, Medlem generalf<span class=\"_ _2\"></span>orsamlingen<span class=\"_ _30d\"> </span><span class=\"ls125 ws1cf\">200</span></span><span style=\"display:inherit;clear:left;\">\u00d8yvind Langedal, Medlem g<span class=\"_ _1\"></span>ener<span class=\"_ _1\"></span>alfor<span class=\"_ _1\"></span>samlingen<span class=\"_ _24a\"> </span><span class=\"ls6 ws6\">1<span class=\"_ _8\"></span> 97<span class=\"_ _8\"></span>0</span></span><span style=\"display:inherit;clear:left;\">Sigve Ing<span class=\"_ _1\"></span>e H\u00e5land, V<span class=\"_ _2\"></span>aramedlem g<span class=\"_ _1\"></span>eneralf<span class=\"_ _1\"></span>or<span class=\"_ _1\"></span>samlingen<span class=\"_ _297\"> </span><span class=\"ls125 ws1cf\">200</span></span><span style=\"display:inherit;clear:left;\">Morten  Me<span class=\"_ _1\"></span>y<span class=\"_ _1\"></span>er<span class=\"_ _0\"></span>, V<span class=\"_ _1\"></span>ar<span class=\"_ _1\"></span>amedlem gener<span class=\"_ _1\"></span>alf<span class=\"_ _1\"></span>orsamling<span class=\"_ _1\"></span>en<span class=\"_ _2fc\"> </span><span class=\"ls82 ws14b\">800</span></span><span style=\"display:inherit;clear:left;\">F<span class=\"_ _1\"></span>r<span class=\"_ _1\"></span>ode H\u00f8<span class=\"_ _1\"></span>yland, V<span class=\"_ _2\"></span>aramedlem g<span class=\"_ _1\"></span>ener<span class=\"_ _1\"></span>alf<span class=\"_ _1\"></span>orsamlingen<span class=\"_ _1aa\"> </span>6 848</span><span style=\"display:inherit;clear:left;\">Bjarte Mar<span class=\"_ _1\"></span>\u00f8<span class=\"_ _1\"></span>y<span class=\"_ _2\"></span>, V<span class=\"_ _2\"></span>aramedlem gener<span class=\"_ _1\"></span>alf<span class=\"_ _1\"></span>orsamling<span class=\"_ _1\"></span>en<span class=\"_ _234\"> </span><span class=\"ls13e ws1ec\">247</span></span><span style=\"display:inherit;clear:left;\">Bent<span class=\"_ _1\"></span>e Moor<span class=\"_ _1\"></span>e, V<span class=\"_ _2\"></span>aramedlem gener<span class=\"_ _1\"></span>alf<span class=\"_ _1\"></span>orsamling<span class=\"_ _1\"></span>en<span class=\"_ _253\"> </span><span class=\"ls13b ws1e8\">968</span></span><span style=\"display:inherit;clear:left;\">Kjell Gunnar Lille\u00f8ren, V<span class=\"_ _2\"></span>ar<span class=\"_ _1\"></span>amedlem gener<span class=\"_ _1\"></span>alf<span class=\"_ _1\"></span>orsamling<span class=\"_ _1\"></span>en<span class=\"_ _165\"> </span><span class=\"ls140 ws1ee\">8<span class=\"_ _a\"></span> 2<span class=\"_ _a\"></span>74</span></span><span style=\"display:inherit;clear:left;\">Arne F<span class=\"_ _2\"></span>alk, V<span class=\"_ _1\"></span>ar<span class=\"_ _1\"></span>amedlem gener<span class=\"_ _1\"></span>alf<span class=\"_ _1\"></span>orsamling<span class=\"_ _1\"></span>en<span class=\"_ _30c\"> </span><span class=\"ls82 ws14b\">7<span class=\"_ _8\"></span> 455</span></span><span style=\"display:inherit;clear:left;\">Siri Schwings Birkeland, V<span class=\"_ _2\"></span>arame<span class=\"_ _1\"></span>dlem gener<span class=\"_ _1\"></span>alf<span class=\"_ _1\"></span>orsamling<span class=\"_ _1\"></span>en<span class=\"_ _156\"> </span><span class=\"ls13f ws1ed\">483</span></span><span style=\"display:inherit;clear:left;\">Magne Roar Sangolt, V<span class=\"_ _2\"></span>aramedlem gener<span class=\"_ _1\"></span>alf<span class=\"_ _1\"></span>or<span class=\"_ _1\"></span>samlingen<span class=\"_ _278\"> </span>5 000</span><span style=\"display:inherit;clear:left;\">Per Ber<span class=\"_ _1\"></span>g<span class=\"_ _1\"></span>e, V<span class=\"_ _2\"></span>aramedlem gener<span class=\"_ _1\"></span>alf<span class=\"_ _1\"></span>orsamling<span class=\"_ _1\"></span>en<span class=\"_ _30e\"> </span>1 48<span class=\"_ _1\"></span>7</span><span style=\"display:inherit;clear:left;\">Bj\u00f8rn Th\u00f8mt, V<span class=\"_ _2\"></span>aramedlem g<span class=\"_ _1\"></span>ener<span class=\"_ _1\"></span>alfor<span class=\"_ _1\"></span>samlingen<span class=\"_ _234\"> </span><span class=\"ls82 ws14b\">800</span></span><span style=\"display:inherit;clear:left;\">704 7<span class=\"_ _1\"></span>94</span><span style=\"display:inherit;clear:left;\">Op<span class=\"_ _8\"></span>plysn<span class=\"_ _8\"></span>inge<span class=\"_ _8\"></span>ne g<span class=\"_ _8\"></span>is i hen<span class=\"_ _8\"></span>hol<span class=\"_ _8\"></span>d til I<span class=\"_ _8\"></span>AS 24 \u2013 \u00abOp<span class=\"_ _8\"></span>plysn<span class=\"_ _8\"></span>inge<span class=\"_ _8\"></span>r om n\u00e6r<span class=\"_ _8\"></span>st\u00e5e<span class=\"_ _8\"></span>nde p<span class=\"_ _8\"></span>ar<span class=\"_ _8\"></span>ter<span class=\"_ _8\"></span>\u00bb.</span><span style=\"display:inherit;clear:left;\">Sparebank<span class=\"_ _1\"></span>en V<span class=\"_ _1\"></span>est<span class=\"_ _1\"></span> definerer<span class=\"_ _1\"></span> datter<span class=\"_ _1\"></span>selskapene, tilkn<span class=\"_ _1\"></span>yttede selskaper<span class=\"_ _2\"></span>, medlemmer a<span class=\"_ _1\"></span>v styre<span class=\"_ _1\"></span>t samt k<span class=\"_ _1\"></span>onsernledelsen som<span class=\"_ _1\"></span> n\u00e6rst\u00e5ende </span><span style=\"display:inherit;clear:left;\">parter i f<span class=\"_ _1\"></span>orhold til denne<span class=\"_ _1\"></span> regnskapsstandarden. Godtg<span class=\"_ _8\"></span>j\u00f8relse<span class=\"_ _1\"></span> til General<span class=\"_ _1\"></span>forsamling<span class=\"_ _1\"></span> angis ihht r<span class=\"_ _1\"></span>egnskapslov<span class=\"_ _1\"></span>ens kr<span class=\"_ _1\"></span>a<span class=\"_ _1\"></span>v<span class=\"_ _1\"></span>.</span><span style=\"display:inherit;clear:left;\">Eierinter<span class=\"_ _1\"></span>esser i k<span class=\"_ _1\"></span>onsernselskaper og<span class=\"_ _1\"></span> tilknyttede selskaper f<span class=\"_ _1\"></span>remk<span class=\"_ _1\"></span>ommer a<span class=\"_ _1\"></span>v no<span class=\"_ _1\"></span>te 2<span class=\"_ _1\"></span>0.</span><span style=\"display:inherit;clear:left;\">T<span class=\"_ _2\"></span>ransaksjoner med n\u00e6r<span class=\"_ _1\"></span>st\u00e5ende parter f<span class=\"_ _1\"></span>oretas<span class=\"_ _1\"></span> i samsv<span class=\"_ _1\"></span>ar med v<span class=\"_ _1\"></span>anlige f<span class=\"_ _1\"></span>orre<span class=\"_ _1\"></span>tningsmessige vilk<span class=\"_ _1\"></span>\u00e5r og prinsipper<span class=\"_ _0\"></span>.</span><span style=\"display:inherit;clear:left;\">Konsernint<span class=\"_ _1\"></span>erne tr<span class=\"_ _1\"></span>ansaksjoner 2<span class=\"_ _1\"></span>023 </span><span style=\"display:inherit;clear:left;\">Datt<span class=\"_ _1\"></span>er<span class=\"_ _1\"></span>-</span><span style=\"display:inherit;clear:left;\">Tilknyttede</span><span style=\"display:inherit;clear:left;\">N\u00f8kkel<span class=\"_ _1\"></span>-</span><span style=\"display:inherit;clear:left;\">(tall i t<span class=\"_ _8\"></span>usen k<span class=\"_ _8\"></span>rone<span class=\"_ _8\"></span>r)</span><span style=\"display:inherit;clear:left;\">selskaper</span><span style=\"display:inherit;clear:left;\">selskaper</span><span style=\"display:inherit;clear:left;\">personell</span><span style=\"display:inherit;clear:left;\">R<span class=\"_ _8\"></span>e<span class=\"_ _8\"></span>su<span class=\"_ _8\"></span>l<span class=\"_ _8\"></span>tat</span><span style=\"display:inherit;clear:left;\">Renteinn<span class=\"_ _1\"></span>tekter kn<span class=\"_ _1\"></span>yttet til utl\u00e5n<span class=\"_ _b0\"> </span><span class=\"ls7 ws7\">980 555<span class=\"_ _91\"> </span><span class=\"ls21 ws175\">675</span></span></span><span style=\"display:inherit;clear:left;\">Renter<span class=\"_ _1\"></span> av<span class=\"_ _1\"></span> ren<span class=\"_ _1\"></span>teb\u00e6rende<span class=\"_ _1\"></span> ver<span class=\"_ _1\"></span>dipapirer<span class=\"_ _1e3\"> </span><span class=\"ls0 ws0\">18 629<span class=\"_ _13\"> </span>0</span></span><span style=\"display:inherit;clear:left;\">Rentekostnader<span class=\"_ _1\"></span> og lignende kostnader p\u00e5 innskudd<span class=\"_ _185\"> </span><span class=\"ls124 ws1ce\">-1<span class=\"_ _8\"></span>8<span class=\"_ _a\"></span>1<span class=\"_ _a\"></span> 2<span class=\"_ _8\"></span>74<span class=\"_ _dd\"> </span><span class=\"ls82 ws14b\">-31 2<span class=\"_ _8\"></span>34</span></span></span><span style=\"display:inherit;clear:left;\">Rentek<span class=\"_ _1\"></span>ostnader p\u00e5<span class=\"_ _1\"></span> ren<span class=\"_ _1\"></span>teb\u00e6rende<span class=\"_ _1\"></span> ver<span class=\"_ _1\"></span>dipapirer<span class=\"_ _30f\"> </span><span class=\"ls129 ws1d3\">-1<span class=\"_ _8\"></span>8<span class=\"_ _a\"></span> 0<span class=\"_ _a\"></span>2<span class=\"_ _8\"></span>6</span></span><span style=\"display:inherit;clear:left;\">Renter<span class=\"_ _1\"></span> p\u00e5 finansielle<span class=\"_ _1\"></span> deriva<span class=\"_ _1\"></span>ter<span class=\"_ _af\"> </span><span class=\"ls0 ws0\">1 10<span class=\"_ _8\"></span>5 280<span class=\"_ _13\"> </span>0</span></span><span style=\"display:inherit;clear:left;\">Mottatte pro<span class=\"_ _1\"></span>visjonsinntekter knyttet til<span class=\"_ _1\"></span> distribusjon<span class=\"_ _fa\"> </span></span><span style=\"display:inherit;clear:left;\">12<span class=\"_ _1\"></span>0 250</span><span style=\"display:inherit;clear:left;\">Mottatt utb<span class=\"_ _1\"></span>ytte/konsernbidr<span class=\"_ _1\"></span>ag<span class=\"_ _17e\"> </span><span class=\"ls0 ws0\">145 000<span class=\"_ _c9\"> </span>138 530</span></span><span style=\"display:inherit;clear:left;\">L\u00f8nn, pensjon<span class=\"_ _1\"></span> og honorar<span class=\"_ _1\"></span>er til<span class=\"_ _1\"></span> ledende ansatt<span class=\"_ _1\"></span>e og tilli<span class=\"_ _1\"></span>tsvalgte<span class=\"_ _310\"> </span><span class=\"ls0 ws0\">3<span class=\"_ _1\"></span>7 984</span></span><span style=\"display:inherit;clear:left;\">Husleiekostna<span class=\"_ _1\"></span>der<span class=\"_ _311\"> </span><span class=\"ls136 ws1e3\">5 391</span></span><span style=\"display:inherit;clear:left;\">F<span class=\"_ _1\"></span>orvaltningshonor<span class=\"_ _1\"></span>ar<span class=\"_ _1\"></span>er<span class=\"_ _1a2\"> </span><span class=\"ls59 wsac\">4<span class=\"_ _8\"></span>41<span class=\"_ _8\"></span> 7<span class=\"_ _8\"></span>9<span class=\"_ _8\"></span>5</span></span><span style=\"display:inherit;clear:left;\">Mottatt honor<span class=\"_ _1\"></span>ar f<span class=\"_ _1\"></span>or salg a<span class=\"_ _1\"></span>v tjenester<span class=\"_ _312\"> </span><span class=\"ls6 ws6\">4<span class=\"_ _8\"></span> 972<span class=\"_ _5d\"> </span><span class=\"ls9 ws9\">2 387</span></span></span><span style=\"display:inherit;clear:left;\">Av<span class=\"_ _1\"></span>gitt honorar<span class=\"_ _1\"></span> for<span class=\"_ _1\"></span> kj\u00f8p a<span class=\"_ _1\"></span>v tjenest<span class=\"_ _1\"></span>er<span class=\"_ _1bb\"> </span><span class=\"ls125 ws1cf\">-<span class=\"_ _8\"></span>4<span class=\"_ _8\"></span> 542</span></span><span style=\"display:inherit;clear:left;\">Balan<span class=\"_ _8\"></span>se</span><span style=\"display:inherit;clear:left;\">Aksjer i<span class=\"_ _1\"></span> dattersel<span class=\"_ _1\"></span>skaper<span class=\"_ _2\"></span>, tilknyttet v<span class=\"_ _1\"></span>irksomhet (k<span class=\"_ _1\"></span>apitalutvidelser)<span class=\"_ _23\"> </span><span class=\"ls0 ws0\">1 850 000<span class=\"_ _19a\"> </span><span class=\"ls21 ws175\">13<span class=\"_ _8\"></span>6 2<span class=\"_ _8\"></span>07</span></span></span><span style=\"display:inherit;clear:left;\">F<span class=\"_ _1\"></span>ordring<span class=\"_ _1\"></span> p\u00e5 motta<span class=\"_ _1\"></span>tt utbytte/k<span class=\"_ _1\"></span>onsernbidrag<span class=\"_ _273\"> </span><span class=\"lsd wsd\">145 000</span></span><span style=\"display:inherit;clear:left;\">Netto o<span class=\"_ _1\"></span>verf\u00f8rte l\u00e5n<span class=\"_ _1\"></span> til boligkredittfore<span class=\"_ _1\"></span>tak innev<span class=\"_ _1\"></span>\u00e6rende<span class=\"_ _1\"></span> \u00e5r<span class=\"_ _313\"> </span><span class=\"ls33 ws84\">14 308 2<span class=\"_ _1\"></span>81</span></span><span style=\"display:inherit;clear:left;\">Overf\u00f8rte l\u00e5n til<span class=\"_ _1\"></span> boligkredittforetak<span class=\"_ _1\"></span> akkumulert<span class=\"_ _191\"> </span></span><span style=\"display:inherit;clear:left;\">14<span class=\"_ _1\"></span>1 544 972</span><span style=\"display:inherit;clear:left;\">Utl\u00e5n til<span class=\"_ _1\"></span> n\u00e6rst\u00e5ende parter pr<span class=\"_ _0\"></span>. 31/12<span class=\"_ _314\"> </span><span class=\"ls0 ws0\">20 647 615<span class=\"_ _10b\"> </span>4<span class=\"_ _8\"></span>58 046</span></span><span style=\"display:inherit;clear:left;\">Innskudd fra<span class=\"_ _1\"></span> n\u00e6rst\u00e5ende parter<span class=\"_ _312\"> </span><span class=\"ls0 ws0\">4 586 694<span class=\"_ _111\"> </span>1 327 543</span></span><span style=\"display:inherit;clear:left;\">Finansielle deriv<span class=\"_ _1\"></span>at<span class=\"_ _1\"></span>er eiendeler<span class=\"_ _af\"> </span><span class=\"ls0 ws0\">1 002 7<span class=\"_ _1\"></span>05</span></span><span style=\"display:inherit;clear:left;\">Finansielle deriv<span class=\"_ _1\"></span>at<span class=\"_ _1\"></span>er g<span class=\"_ _8\"></span>jeld<span class=\"_ _1ae\"> </span></span><span style=\"display:inherit;clear:left;\">3 00<span class=\"_ _1\"></span>5 554</span><span style=\"display:inherit;clear:left;\">Konsernint<span class=\"_ _1\"></span>erne tr<span class=\"_ _1\"></span>ansaksjoner 2<span class=\"_ _1\"></span>022 </span><span style=\"display:inherit;clear:left;\">Datt<span class=\"_ _1\"></span>er<span class=\"_ _1\"></span>-</span><span style=\"display:inherit;clear:left;\">Tilknyttede</span><span style=\"display:inherit;clear:left;\">N\u00f8kkel<span class=\"_ _1\"></span>-</span><span style=\"display:inherit;clear:left;\">(tall i t<span class=\"_ _8\"></span>usen k<span class=\"_ _8\"></span>rone<span class=\"_ _8\"></span>r)</span><span style=\"display:inherit;clear:left;\">selskaper</span><span style=\"display:inherit;clear:left;\">selskaper</span><span style=\"display:inherit;clear:left;\">personell</span><span style=\"display:inherit;clear:left;\">R<span class=\"_ _8\"></span>e<span class=\"_ _8\"></span>su<span class=\"_ _8\"></span>l<span class=\"_ _8\"></span>tat</span><span style=\"display:inherit;clear:left;\">Renteinn<span class=\"_ _1\"></span>tekter kn<span class=\"_ _1\"></span>yttet til utl\u00e5n<span class=\"_ _17e\"> </span><span class=\"ls108 ws16a\">43<span class=\"_ _8\"></span>9 7<span class=\"_ _8\"></span>72<span class=\"_ _6f\"> </span><span class=\"ls0 ws0\">8 540</span></span></span><span style=\"display:inherit;clear:left;\">Renter<span class=\"_ _1\"></span> av<span class=\"_ _1\"></span> ren<span class=\"_ _1\"></span>teb\u00e6rende<span class=\"_ _1\"></span> ver<span class=\"_ _1\"></span>dipapirer<span class=\"_ _2bd\"> </span><span class=\"ls0 ws0\">1<span class=\"_ _8\"></span>6 355<span class=\"_ _13\"> </span>0</span></span><span style=\"display:inherit;clear:left;\">Rentekostnader<span class=\"_ _1\"></span> og lignende kostnader p\u00e5 innskudd<span class=\"_ _315\"> </span><span class=\"ls7 ws7\">-31 69<span class=\"_ _1\"></span>2<span class=\"_ _90\"> </span><span class=\"ls129 ws1d3\">-1<span class=\"_ _a\"></span>4<span class=\"_ _8\"></span> 9<span class=\"_ _a\"></span>5<span class=\"_ _8\"></span>7</span></span></span><span style=\"display:inherit;clear:left;\">Renter<span class=\"_ _1\"></span> p\u00e5 finansielle<span class=\"_ _1\"></span> deriva<span class=\"_ _1\"></span>ter<span class=\"_ _166\"> </span><span class=\"ls0 ws0\">60<span class=\"_ _1\"></span>7 4<span class=\"_ _1\"></span>63<span class=\"_ _13\"> </span>0</span></span><span style=\"display:inherit;clear:left;\">Mottatte pro<span class=\"_ _1\"></span>visjonsinntekter knyttet til<span class=\"_ _1\"></span> distribusjon<span class=\"_ _198\"> </span></span><span style=\"display:inherit;clear:left;\">179 7<span class=\"_ _2\"></span>61</span><span style=\"display:inherit;clear:left;\">Mottatt utb<span class=\"_ _1\"></span>ytte/konsernbidr<span class=\"_ _1\"></span>ag<span class=\"_ _154\"> </span><span class=\"ls0 ws0\">402 000<span class=\"_ _dc\"> </span>14<span class=\"_ _1\"></span>7 89<span class=\"_ _1\"></span>4</span></span><span style=\"display:inherit;clear:left;\">L\u00f8nn, pensjon<span class=\"_ _1\"></span> og honorar<span class=\"_ _1\"></span>er til<span class=\"_ _1\"></span> ledende ansatt<span class=\"_ _1\"></span>e og tilli<span class=\"_ _1\"></span>tsvalgte<span class=\"_ _27e\"> </span><span class=\"ls0 ws0\">40 650</span></span><span style=\"display:inherit;clear:left;\">Husleiekostna<span class=\"_ _1\"></span>der<span class=\"_ _301\"> </span><span class=\"ls0 ws0\">4 130</span></span><span style=\"display:inherit;clear:left;\">F<span class=\"_ _1\"></span>orvaltningshonor<span class=\"_ _1\"></span>ar<span class=\"_ _1\"></span>er<span class=\"_ _1a2\"> </span></span><span style=\"display:inherit;clear:left;\">4<span class=\"_ _2\"></span>73 2<span class=\"_ _1\"></span>65</span><span style=\"display:inherit;clear:left;\">Mottatt honor<span class=\"_ _1\"></span>ar f<span class=\"_ _1\"></span>or salg a<span class=\"_ _1\"></span>v tjenester<span class=\"_ _2b0\"> </span><span class=\"ls12c ws1d6\">2<span class=\"_ _8\"></span> 230</span></span><span style=\"display:inherit;clear:left;\">Av<span class=\"_ _1\"></span>gitt honorar<span class=\"_ _1\"></span> for<span class=\"_ _1\"></span> kj\u00f8p a<span class=\"_ _1\"></span>v tjenest<span class=\"_ _1\"></span>er<span class=\"_ _160\"> </span><span class=\"ls124 ws1ce\">-1<span class=\"_ _8\"></span> 74<span class=\"_ _8\"></span>2</span></span><span style=\"display:inherit;clear:left;\">Balan<span class=\"_ _8\"></span>se</span><span style=\"display:inherit;clear:left;\">Aksjer i<span class=\"_ _1\"></span> dattersel<span class=\"_ _1\"></span>skaper<span class=\"_ _2\"></span>, tilknyttet v<span class=\"_ _1\"></span>irksomhet (k<span class=\"_ _1\"></span>apitalutvidelser)<span class=\"_ _77\"> </span></span><span style=\"display:inherit;clear:left;\">284<span class=\"_ _1\"></span> 053</span><span style=\"display:inherit;clear:left;\">F<span class=\"_ _1\"></span>ordring<span class=\"_ _1\"></span> p\u00e5 motta<span class=\"_ _1\"></span>tt utbytte/k<span class=\"_ _1\"></span>onsernbidrag<span class=\"_ _294\"> </span><span class=\"lsd wsd\">402 000</span></span><span style=\"display:inherit;clear:left;\">Netto o<span class=\"_ _1\"></span>verf\u00f8rte l\u00e5n<span class=\"_ _1\"></span> til boligkredittfore<span class=\"_ _1\"></span>tak innev<span class=\"_ _1\"></span>\u00e6rende<span class=\"_ _1\"></span> \u00e5r<span class=\"_ _17d\"> </span><span class=\"ls0 ws0\">8 095 655</span></span><span style=\"display:inherit;clear:left;\">Overf\u00f8rte l\u00e5n til<span class=\"_ _1\"></span> boligkredittforetak<span class=\"_ _1\"></span> akkumulert<span class=\"_ _77\"> </span><span class=\"ls0 ws0\">127 23<span class=\"_ _8\"></span>6 691</span></span><span style=\"display:inherit;clear:left;\">Utl\u00e5n til<span class=\"_ _1\"></span> n\u00e6rst\u00e5ende parter pr<span class=\"_ _0\"></span>. 31/12<span class=\"_ _15e\"> </span><span class=\"ls0 ws0\">1<span class=\"_ _8\"></span>8 554 5<span class=\"_ _8\"></span>33<span class=\"_ _cc\"> </span><span class=\"ls10 ws10\">317 36<span class=\"_ _8\"></span>6</span></span></span><span style=\"display:inherit;clear:left;\">Innskudd fra<span class=\"_ _1\"></span> n\u00e6rst\u00e5ende parter<span class=\"_ _303\"> </span><span class=\"ls0 ws0\">1 156 8<span class=\"_ _8\"></span>92<span class=\"_ _d8\"> </span><span class=\"ls84 wsdf\">3<span class=\"_ _8\"></span>67 24<span class=\"_ _a\"></span>3</span></span></span><span style=\"display:inherit;clear:left;\">Finansielle deriv<span class=\"_ _1\"></span>at<span class=\"_ _1\"></span>er eiendeler<span class=\"_ _2e8\"> </span></span><span style=\"display:inherit;clear:left;\">3 614 6<span class=\"_ _1\"></span>7<span class=\"_ _0\"></span>4</span><span style=\"display:inherit;clear:left;\">Finansielle deriv<span class=\"_ _1\"></span>at<span class=\"_ _1\"></span>er g<span class=\"_ _8\"></span>jeld<span class=\"_ _167\"> </span><span class=\"ls0 ws0\">714 721</span></span><span style=\"display:inherit;clear:left;\">Eie av ans<span class=\"_ _8\"></span>varli<span class=\"_ _8\"></span>g l\u00e5n o<span class=\"_ _8\"></span>g fond<span class=\"_ _8\"></span>sob<span class=\"_ _8\"></span>lig<span class=\"_ _8\"></span>asjo<span class=\"_ _8\"></span>n uts<span class=\"_ _8\"></span>tedt av d\u00f8t<span class=\"_ _8\"></span>re og til<span class=\"_ _8\"></span>knyt<span class=\"_ _8\"></span>ted<span class=\"_ _8\"></span>e sel<span class=\"_ _8\"></span>skap<span class=\"_ _ca\"> </span>1 175 000</span><span style=\"display:inherit;clear:left;\">Datter<span class=\"_ _1\"></span>selskaper er i<span class=\"_ _1\"></span> all ho<span class=\"_ _1\"></span>vedsak Eiendomsmegler V<span class=\"_ _1\"></span>est<span class=\"_ _1\"></span> AS og Spar<span class=\"_ _1\"></span>ebanke<span class=\"_ _1\"></span>n V<span class=\"_ _1\"></span>est Boligkreditt AS.</span><span style=\"display:inherit;clear:left;\">Ei<span class=\"_ _1\"></span>endomsmegler V<span class=\"_ _1\"></span>es<span class=\"_ _1\"></span>t<span class=\"_ _1\"></span> AS<span class=\"_ _1\"></span>:<span class=\"ls0 ws0\"> </span></span><span style=\"display:inherit;clear:left;\">Inter<span class=\"_ _8\"></span>ne tra<span class=\"_ _8\"></span>nsak<span class=\"_ _8\"></span>sjon<span class=\"_ _8\"></span>er me<span class=\"_ _8\"></span>d me<span class=\"_ _8\"></span>gl<span class=\"_ _8\"></span>erse<span class=\"_ _8\"></span>lska<span class=\"_ _8\"></span>pet e<span class=\"_ _8\"></span>r beg<span class=\"_ _8\"></span>rens<span class=\"_ _8\"></span>et og b<span class=\"_ _8\"></span>est<span class=\"_ _8\"></span>\u00e5r i de<span class=\"_ _8\"></span>t vese<span class=\"_ _8\"></span>ntli<span class=\"_ _8\"></span>ge av renter av innsk<span class=\"_ _8\"></span>ud<span class=\"_ _8\"></span>d og utl<span class=\"_ _8\"></span>\u00e5n me<span class=\"_ _8\"></span>d til<span class=\"_ _8\"></span>h\u00f8ren<span class=\"_ _8\"></span>de </span><span style=\"display:inherit;clear:left;\">balanseposter<span class=\"_ _2\"></span>.</span><span style=\"display:inherit;clear:left;\">Sp<span class=\"_ _8\"></span>areb<span class=\"_ _8\"></span>anken Vest Bo<span class=\"_ _8\"></span>li<span class=\"_ _8\"></span>gkre<span class=\"_ _8\"></span>dit<span class=\"_ _1\"></span>t<span class=\"_ _1\"></span>:<span class=\"ls0 ws0\"> </span></span><span style=\"display:inherit;clear:left;\">Spa<span class=\"_ _8\"></span>reban<span class=\"_ _8\"></span>ken Vest Bo<span class=\"_ _8\"></span>lig<span class=\"_ _8\"></span>kre<span class=\"_ _8\"></span>dit<span class=\"_ _8\"></span>t AS er et h<span class=\"_ _8\"></span>elei<span class=\"_ _8\"></span>d sel<span class=\"_ _8\"></span>skap s<span class=\"_ _8\"></span>om for<span class=\"_ _8\"></span>val<span class=\"_ _8\"></span>ter bo<span class=\"_ _8\"></span>lig<span class=\"_ _8\"></span>l\u00e5<span class=\"_ _8\"></span>n som e<span class=\"_ _8\"></span>r fina<span class=\"_ _8\"></span>nsi<span class=\"_ _8\"></span>er<span class=\"_ _8\"></span>t ved uts<span class=\"_ _8\"></span>ted<span class=\"_ _8\"></span>else av ob<span class=\"_ _8\"></span>lig<span class=\"_ _8\"></span>asj<span class=\"_ _8\"></span>oner m<span class=\"_ _8\"></span>ed </span><span style=\"display:inherit;clear:left;\">fortrinnsre<span class=\"_ _1\"></span>tt. Sparebank<span class=\"_ _1\"></span>en V<span class=\"_ _1\"></span>est<span class=\"_ _1\"></span> selger utl\u00e5n<span class=\"_ _1\"></span> til selskapet<span class=\"_ _1\"></span> som ig<span class=\"_ _8\"></span>jen finansier<span class=\"_ _1\"></span>er seg gjennom utstedelse a<span class=\"_ _1\"></span>v obligasjoner med<span class=\"_ _1\"></span> </span><span style=\"display:inherit;clear:left;\">fortrinnsre<span class=\"_ _1\"></span>tt. I tillegg har da<span class=\"_ _1\"></span>tterselskapet b\u00e5<span class=\"_ _1\"></span>de innskudd<span class=\"_ _1\"></span> og g<span class=\"_ _8\"></span>jeld samt deriv<span class=\"_ _1\"></span>a<span class=\"_ _1\"></span>tavtaler mot<span class=\"_ _1\"></span> morselskapet som<span class=\"_ _1\"></span> rent<span class=\"_ _1\"></span>eberegnes etter<span class=\"_ _1\"></span> </span><span style=\"display:inherit;clear:left;\">armlengdes prinsipper<span class=\"_ _2\"></span>. Spar<span class=\"_ _1\"></span>ebanken<span class=\"_ _1\"></span> V<span class=\"_ _1\"></span>est Boligkreditt betaler f<span class=\"_ _1\"></span>orvaltningshonor<span class=\"_ _1\"></span>ar f<span class=\"_ _1\"></span>or o<span class=\"_ _1\"></span>verf\u00f8rte l\u00e5n<span class=\"_ _1\"></span> samt betaling f<span class=\"_ _1\"></span>or kj\u00f8p<span class=\"_ _1\"></span> av<span class=\"_ _1\"></span> </span><span style=\"display:inherit;clear:left;\">administr<span class=\"_ _1\"></span>ati<span class=\"_ _1\"></span>ve tjenest<span class=\"_ _1\"></span>er fr<span class=\"_ _1\"></span>a Spar<span class=\"_ _1\"></span>ebanken<span class=\"_ _1\"></span> V<span class=\"_ _1\"></span>est.</span><span style=\"display:inherit;clear:left;\">Overf\u00f8rte l\u00e5n til<span class=\"_ _1\"></span> Sparebank<span class=\"_ _1\"></span>en V<span class=\"_ _2\"></span>e<span class=\"_ _8\"></span>st Boligkreditt AS<span class=\"_ _1\"></span> fr<span class=\"_ _1\"></span>emkommer a<span class=\"_ _1\"></span>v<span class=\"_ _1\"></span> tabellen ov<span class=\"_ _1\"></span>enf<span class=\"_ _1\"></span>or<span class=\"_ _2\"></span>. Avtaleforholdet<span class=\"_ _1\"></span> mellom morbank<span class=\"_ _1\"></span>en og </span><span style=\"display:inherit;clear:left;\">Sparebank<span class=\"_ _1\"></span>en V<span class=\"_ _1\"></span>est<span class=\"_ _1\"></span> Boligkreditt AS tilsier<span class=\"_ _1\"></span> at<span class=\"_ _1\"></span> morbanken<span class=\"_ _1\"></span> ikke<span class=\"_ _1\"></span> har f<span class=\"_ _1\"></span>ortsatt inv<span class=\"_ _1\"></span>olvering kn<span class=\"_ _1\"></span>yttet til<span class=\"_ _1\"></span> ov<span class=\"_ _1\"></span>erf\u00f8rte boligl\u00e5n, da all </span><span style=\"display:inherit;clear:left;\">kredittrisik<span class=\"_ _1\"></span>o kn<span class=\"_ _1\"></span>yttet til l\u00e5nene<span class=\"_ _1\"></span> er ov<span class=\"_ _1\"></span>erf\u00f8rt til boligkredittfor<span class=\"_ _1\"></span>etaket.<span class=\"_ _1\"></span> Dette er<span class=\"_ _1\"></span> l\u00e5n innenf<span class=\"_ _1\"></span>or 7<span class=\"_ _1\"></span>5 %<span class=\"_ _1\"></span> a<span class=\"_ _1\"></span>v sikk<span class=\"_ _1\"></span>erhetsobjektenes ver<span class=\"_ _1\"></span>di. </span><span style=\"display:inherit;clear:left;\">Bo<span class=\"_ _8\"></span>lig<span class=\"_ _8\"></span>kred<span class=\"_ _8\"></span>itt<span class=\"_ _8\"></span>foret<span class=\"_ _8\"></span>aket har e<span class=\"_ _8\"></span>n rul<span class=\"_ _8\"></span>leren<span class=\"_ _8\"></span>de li<span class=\"_ _8\"></span>kv<span class=\"_ _8\"></span>idit<span class=\"_ _8\"></span>etsfa<span class=\"_ _8\"></span>silit<span class=\"_ _8\"></span>et kny<span class=\"_ _8\"></span>ttet t<span class=\"_ _8\"></span>il for<span class=\"_ _8\"></span>fall p<span class=\"_ _8\"></span>\u00e5 obli<span class=\"_ _8\"></span>gas<span class=\"_ _8\"></span>jon<span class=\"_ _8\"></span>er de n<span class=\"_ _8\"></span>este 12 m<span class=\"_ _8\"></span>\u00e5ne<span class=\"_ _8\"></span>der<span class=\"_ _1\"></span>. Sistn<span class=\"_ _8\"></span>evnte er </span><span style=\"display:inherit;clear:left;\">utel<span class=\"_ _8\"></span>ukken<span class=\"_ _8\"></span>de en kon<span class=\"_ _8\"></span>ser<span class=\"_ _8\"></span>ninte<span class=\"_ _8\"></span>rn avt<span class=\"_ _8\"></span>ale m<span class=\"_ _8\"></span>ell<span class=\"_ _8\"></span>om mo<span class=\"_ _8\"></span>rban<span class=\"_ _8\"></span>ken og b<span class=\"_ _8\"></span>oli<span class=\"_ _8\"></span>gk<span class=\"_ _8\"></span>redit<span class=\"_ _8\"></span>tfo<span class=\"_ _8\"></span>retaket<span class=\"_ _8\"></span>. En eventu<span class=\"_ _8\"></span>ell op<span class=\"_ _8\"></span>pfy<span class=\"_ _8\"></span>lle<span class=\"_ _8\"></span>lse av en sl<span class=\"_ _8\"></span>ik fasi<span class=\"_ _8\"></span>litet v<span class=\"_ _8\"></span>il g<span class=\"_ _8\"></span>i </span><span style=\"display:inherit;clear:left;\">tilgang til utst<span class=\"_ _1\"></span>edte obligasjoner<span class=\"_ _1\"></span> og ikk<span class=\"_ _1\"></span>e ov<span class=\"_ _1\"></span>erf\u00f8rte eiendeler (<span class=\"_ _1\"></span>utl\u00e5n<span class=\"_ _1\"></span>)<span class=\"_ _1\"></span>.</span><span style=\"display:inherit;clear:left;\">Til<span class=\"_ _8\"></span>knyt<span class=\"_ _8\"></span>ted<span class=\"_ _8\"></span>e sel<span class=\"_ _8\"></span>skap b<span class=\"_ _8\"></span>es<span class=\"_ _8\"></span>t\u00e5r av Frende Forsik<span class=\"_ _8\"></span>rin<span class=\"_ _8\"></span>g AS, N<span class=\"_ _8\"></span>orn<span class=\"_ _8\"></span>e Secu<span class=\"_ _8\"></span>rit<span class=\"_ _8\"></span>ies A<span class=\"_ _8\"></span>S, Bra<span class=\"_ _8\"></span>ge Fin<span class=\"_ _8\"></span>ans AS<span class=\"_ _8\"></span>, Bal<span class=\"_ _8\"></span>der B<span class=\"_ _8\"></span>eta<span class=\"_ _8\"></span>lin<span class=\"_ _8\"></span>g AS og Foli<span class=\"_ _8\"></span>o AS. </span><span style=\"display:inherit;clear:left;\">Sparebanken V<span class=\"_ _2\"></span>est selger skade- og livsf<span class=\"_ _1\"></span>orsikring g<span class=\"_ _8\"></span>jennom F<span class=\"_ _1\"></span>r<span class=\"_ _1\"></span>ende F<span class=\"_ _1\"></span>orsikring mot<span class=\"_ _1\"></span> provisjon. Tilsv<span class=\"_ _1\"></span>arende selges leasingprodukter </span><span style=\"display:inherit;clear:left;\">g<span class=\"_ _8\"></span>jennom Brage<span class=\"_ _1\"></span> Finans.</span>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfIssuedCapitalExplanatory",
    "language": "no",
    "entity": "scheme:213800M7T3CYVZ3ZRT12",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "s10_notes__6__96": {
   "value": "<span style=\"display:inherit;clear:left;\">No<span class=\"_ _1\"></span>te 43 Transaksjone<span class=\"_ _1\"></span>r med n\u00e6<span class=\"_ _1\"></span>rst\u00e5end<span class=\"_ _1\"></span>e parter</span><span style=\"display:inherit;clear:left;\">L\u00f8n<span class=\"_ _8\"></span>n og an<span class=\"_ _8\"></span>dre y<span class=\"_ _8\"></span>tels<span class=\"_ _8\"></span>er ti<span class=\"_ _8\"></span>l led<span class=\"_ _8\"></span>end<span class=\"_ _8\"></span>e ans<span class=\"_ _8\"></span>atte</span><span style=\"display:inherit;clear:left;\">(tall i t<span class=\"_ _8\"></span>usen k<span class=\"_ _8\"></span>rone<span class=\"_ _8\"></span>r)</span><span style=\"display:inherit;clear:left;\">Ledende ansa<span class=\"_ _1\"></span>tte er de<span class=\"_ _1\"></span>finert som medlemmer a<span class=\"_ _1\"></span>v k<span class=\"_ _1\"></span>onsernledelsen. Inf<span class=\"_ _1\"></span>ormasjonen omf<span class=\"_ _1\"></span>a<span class=\"_ _1\"></span>tter l\u00f8nn og<span class=\"_ _1\"></span> samlede ska<span class=\"_ _1\"></span>ttepliktige ytelser<span class=\"_ _2\"></span>, </span><span style=\"display:inherit;clear:left;\">andelen a<span class=\"_ _1\"></span>v de t<span class=\"_ _1\"></span>otale ytelser som<span class=\"_ _1\"></span> vedr<span class=\"_ _1\"></span>\u00f8rer<span class=\"_ _1\"></span> utbetalt bonus sam<span class=\"_ _1\"></span>t \u00e5re<span class=\"_ _1\"></span>ts beregnede opptjen<span class=\"_ _1\"></span>te pens<span class=\"_ _1\"></span>jonsrettigheter<span class=\"_ _0\"></span>. Opptjent pensjon </span><span style=\"display:inherit;clear:left;\">omfa<span class=\"_ _1\"></span>tter \u00e5r<span class=\"_ _1\"></span>ets opp<span class=\"_ _1\"></span>tjente<span class=\"_ _1\"></span> re<span class=\"_ _1\"></span>ttigheter i bank<span class=\"_ _1\"></span>ens f<span class=\"_ _1\"></span>oretaks<span class=\"_ _1\"></span>pensjonsordning, samt<span class=\"_ _1\"></span> opptjent<span class=\"_ _1\"></span> pensjon i<span class=\"_ _1\"></span> topplederord<span class=\"_ _1\"></span>ningen. F<span class=\"_ _2\"></span>or </span><span style=\"display:inherit;clear:left;\">beskrivelse a<span class=\"_ _1\"></span>v<span class=\"_ _1\"></span> pensjonsord<span class=\"_ _1\"></span>ningene<span class=\"_ _1\"></span> se not<span class=\"_ _1\"></span>e 31<span class=\"_ _1\"></span> \u00abPensj<span class=\"_ _1\"></span>oner\u00bb.</span><span style=\"display:inherit;clear:left;\">L\u00f8n<span class=\"_ _8\"></span>n- og <span class=\"_ _b3\"></span> </span><span style=\"display:inherit;clear:left;\">Samlet <span class=\"_ _4\"></span><span class=\"ls0 ws0\"> </span></span><span style=\"display:inherit;clear:left;\">nat<span class=\"_ _1\"></span>ural<span class=\"_ _1\"></span>-<span class=\"ls0 ws0\"> </span></span><span style=\"display:inherit;clear:left;\">Utbeta<span class=\"_ _1\"></span>lt</span><span style=\"display:inherit;clear:left;\">g<span class=\"_ _8\"></span>o<span class=\"_ _8\"></span>d<span class=\"_ _a\"></span>t-<span class=\"_ _8\"></span><span class=\"ls0 ws0\"> </span></span><span style=\"display:inherit;clear:left;\">Pensjons-<span class=\"_ _1\"></span><span class=\"ls0 ws0\"> </span></span><span style=\"display:inherit;clear:left;\">Samlet g<span class=\"_ _1\"></span>odtg<span class=\"_ _8\"></span>j\u00f8relse<span class=\"_ _1\"></span> til ban<span class=\"_ _1\"></span>kens<span class=\"_ _1\"></span> kon<span class=\"_ _1\"></span>sernledelse</span><span style=\"display:inherit;clear:left;\">yte<span class=\"_ _8\"></span>lser</span><span style=\"display:inherit;clear:left;\">bonus</span><span style=\"display:inherit;clear:left;\">g<span class=\"_ _8\"></span>j<span class=\"_ _8\"></span>\u00f8re<span class=\"_ _8\"></span>ls<span class=\"_ _8\"></span>e</span><span style=\"display:inherit;clear:left;\">kostnad</span><span style=\"display:inherit;clear:left;\">Godtg<span class=\"_ _8\"></span>j\u00f8relse til medlemmer a<span class=\"_ _1\"></span>v k<span class=\"_ _1\"></span>onsernledelsen f<span class=\"_ _1\"></span>or r<span class=\"_ _1\"></span>egnskaps\u00e5ret<span class=\"_ _1\"></span> 2023<span class=\"_ _112\"> </span></span><span style=\"display:inherit;clear:left;\">23<span class=\"_ _8\"></span> 778<span class=\"_ _90\"> </span><span class=\"ls0 ws0\">3 45<span class=\"_ _8\"></span>6<span class=\"_ _a5\"> </span><span class=\"lsa wsa\">27 234<span class=\"_ _6b\"> </span></span>6 066</span></span><span style=\"display:inherit;clear:left;\">Godtg<span class=\"_ _8\"></span>j\u00f8relse til medlemmer a<span class=\"_ _1\"></span>v k<span class=\"_ _1\"></span>onsernledelsen f<span class=\"_ _1\"></span>or r<span class=\"_ _1\"></span>egnskaps\u00e5ret<span class=\"_ _1\"></span> 2022<span class=\"_ _209\"> </span></span><span style=\"display:inherit;clear:left;\">25 000<span class=\"_ _90\"> </span><span class=\"ls9 ws9\">4 932<span class=\"_ _a5\"> </span>2<span class=\"_ _8\"></span>9 932<span class=\"_ _8e\"> </span><span class=\"ls120 ws1cb\">5 732</span></span></span><span style=\"display:inherit;clear:left;\">Sty<span class=\"_ _8\"></span>ret fast<span class=\"_ _8\"></span>set<span class=\"_ _8\"></span>ter et<span class=\"_ _8\"></span>ter inn<span class=\"_ _8\"></span>stil<span class=\"_ _8\"></span>lin<span class=\"_ _8\"></span>g fra God<span class=\"_ _8\"></span>tg<span class=\"_ _a\"></span>j\u00f8re<span class=\"_ _8\"></span>lse<span class=\"_ _8\"></span>sut<span class=\"_ _8\"></span>valget l<span class=\"_ _8\"></span>\u00f8nn fo<span class=\"_ _8\"></span>r Konse<span class=\"_ _8\"></span>rnsj<span class=\"_ _8\"></span>ef<span class=\"_ _1\"></span>. Komp<span class=\"_ _8\"></span>ens<span class=\"_ _8\"></span>asjo<span class=\"_ _8\"></span>n for \u00f8vri<span class=\"_ _8\"></span>ge top<span class=\"_ _8\"></span>ple<span class=\"_ _8\"></span>dere fas<span class=\"_ _8\"></span>tse<span class=\"_ _8\"></span>tte<span class=\"_ _8\"></span>s </span><span style=\"display:inherit;clear:left;\">av<span class=\"_ _1\"></span> Konsern<span class=\"_ _1\"></span>sjef ette<span class=\"_ _1\"></span>r dr\u00f8<span class=\"_ _1\"></span>fting med Godtg<span class=\"_ _8\"></span>j\u00f8relsesutvalge<span class=\"_ _1\"></span>t.</span><span style=\"display:inherit;clear:left;\">Ans<span class=\"_ _8\"></span>atte i l<span class=\"_ _8\"></span>ede<span class=\"_ _8\"></span>lsen s<span class=\"_ _8\"></span>amt d<span class=\"_ _8\"></span>irek<span class=\"_ _8\"></span>t\u00f8r for E<span class=\"_ _8\"></span>ien<span class=\"_ _8\"></span>doms<span class=\"_ _8\"></span>meg<span class=\"_ _8\"></span>le<span class=\"_ _8\"></span>r Vest AS ha<span class=\"_ _8\"></span>r 6 m\u00e5n<span class=\"_ _8\"></span>ede<span class=\"_ _8\"></span>r g<span class=\"_ _8\"></span>je<span class=\"_ _8\"></span>nsid<span class=\"_ _8\"></span>ig op<span class=\"_ _8\"></span>psi<span class=\"_ _8\"></span>gels<span class=\"_ _8\"></span>est<span class=\"_ _8\"></span>id og et ko<span class=\"_ _8\"></span>nkur<span class=\"_ _8\"></span>rans<span class=\"_ _8\"></span>eforb<span class=\"_ _8\"></span>ud so<span class=\"_ _8\"></span>m </span><span style=\"display:inherit;clear:left;\">g<span class=\"_ _8\"></span>j<span class=\"_ _8\"></span>eld<span class=\"_ _8\"></span>er i 6 m\u00e5n<span class=\"_ _8\"></span>ed<span class=\"_ _8\"></span>er utover d<span class=\"_ _8\"></span>ette<span class=\"_ _8\"></span>. I forho<span class=\"_ _8\"></span>ld ti<span class=\"_ _8\"></span>l Konse<span class=\"_ _8\"></span>rnsj<span class=\"_ _8\"></span>ef er d<span class=\"_ _8\"></span>et en g<span class=\"_ _8\"></span>j<span class=\"_ _8\"></span>ens<span class=\"_ _8\"></span>idi<span class=\"_ _8\"></span>g opp<span class=\"_ _8\"></span>sigel<span class=\"_ _8\"></span>se<span class=\"_ _8\"></span>stid p<span class=\"_ _8\"></span>\u00e5 6 m\u00e5n<span class=\"_ _8\"></span>ede<span class=\"_ _8\"></span>r<span class=\"_ _2\"></span>. St<span class=\"_ _8\"></span>yret ka<span class=\"_ _8\"></span>n be<span class=\"_ _8\"></span>slut<span class=\"_ _8\"></span>te </span><span style=\"display:inherit;clear:left;\">tid<span class=\"_ _8\"></span>lige<span class=\"_ _8\"></span>re fratrede<span class=\"_ _8\"></span>n uten avkor<span class=\"_ _8\"></span>tn<span class=\"_ _8\"></span>ing i l\u00f8<span class=\"_ _8\"></span>nn. A<span class=\"_ _8\"></span>nsat<span class=\"_ _8\"></span>te i led<span class=\"_ _8\"></span>els<span class=\"_ _8\"></span>en sa<span class=\"_ _8\"></span>mt dire<span class=\"_ _8\"></span>kt\u00f8<span class=\"_ _8\"></span>r for Eie<span class=\"_ _8\"></span>ndo<span class=\"_ _8\"></span>msm<span class=\"_ _8\"></span>eg<span class=\"_ _8\"></span>ler Vest A<span class=\"_ _8\"></span>S har i t<span class=\"_ _8\"></span>ille<span class=\"_ _8\"></span>g<span class=\"_ _8\"></span>g en </span><span style=\"display:inherit;clear:left;\">f\u00f8r<span class=\"_ _8\"></span>tid<span class=\"_ _8\"></span>spe<span class=\"_ _8\"></span>nsjo<span class=\"_ _8\"></span>nsav<span class=\"_ _8\"></span>tal<span class=\"_ _8\"></span>e fra fy<span class=\"_ _8\"></span>lte 65 \u00e5<span class=\"_ _8\"></span>r<span class=\"_ _2\"></span>, so<span class=\"_ _8\"></span>m gi<span class=\"_ _8\"></span>r rett o<span class=\"_ _8\"></span>g plik<span class=\"_ _8\"></span>t ti<span class=\"_ _8\"></span>l fratrede<span class=\"_ _8\"></span>n mot 70 prose<span class=\"_ _8\"></span>nt av l\u00f8nn f<span class=\"_ _8\"></span>rem til 67 \u00e5<span class=\"_ _8\"></span>r<span class=\"_ _2\"></span>. Kon<span class=\"_ _8\"></span>sern<span class=\"_ _8\"></span>sjef h<span class=\"_ _8\"></span>ar rett </span><span style=\"display:inherit;clear:left;\">og \u2013 de<span class=\"_ _8\"></span>rso<span class=\"_ _8\"></span>m Styre<span class=\"_ _8\"></span>t \u00f8nsker d<span class=\"_ _8\"></span>et \u2013 pl<span class=\"_ _8\"></span>ik<span class=\"_ _8\"></span>t til \u00e5 fratre m<span class=\"_ _8\"></span>ed f\u00f8r<span class=\"_ _8\"></span>ti<span class=\"_ _8\"></span>dspe<span class=\"_ _8\"></span>nsj<span class=\"_ _8\"></span>on ved f<span class=\"_ _8\"></span>ylte 62 \u00e5<span class=\"_ _8\"></span>r<span class=\"_ _2\"></span>. Utove<span class=\"_ _8\"></span>r dett<span class=\"_ _8\"></span>e foreli<span class=\"_ _8\"></span>g<span class=\"_ _8\"></span>ger det i<span class=\"_ _8\"></span>kke </span><span style=\"display:inherit;clear:left;\">tjenestekon<span class=\"_ _1\"></span>trakter mellom<span class=\"_ _1\"></span> medlemmer a<span class=\"_ _1\"></span>v styre,<span class=\"_ _1\"></span> ledelse eller tils<span class=\"_ _1\"></span>ynsorganer<span class=\"_ _1\"></span> og Sparebank<span class=\"_ _1\"></span>en V<span class=\"_ _2\"></span>est eller Sparebank<span class=\"_ _1\"></span>en V<span class=\"_ _2\"></span>e<span class=\"_ _8\"></span>st sine<span class=\"_ _1\"></span> </span><span style=\"display:inherit;clear:left;\">datterselskaper som<span class=\"_ _1\"></span> fastsetter<span class=\"_ _1\"></span> ytelser ved a<span class=\"_ _1\"></span>vslutning<span class=\"_ _1\"></span> av<span class=\"_ _1\"></span> ansettelsesforholdet.</span><span style=\"display:inherit;clear:left;\">Yt<span class=\"_ _1\"></span>elser til<span class=\"_ _1\"></span> tillitsv<span class=\"_ _1\"></span>algte</span><span style=\"display:inherit;clear:left;\">(tall<span class=\"_ _1\"></span> i hele<span class=\"_ _1\"></span> kroner<span class=\"_ _1\"></span>)</span><span style=\"display:inherit;clear:left;\">2023</span><span style=\"display:inherit;clear:left;\">2022</span><span style=\"display:inherit;clear:left;\">Samlet <span class=\"_ _4\"></span><span class=\"ls0 ws0\"> </span></span><span style=\"display:inherit;clear:left;\">Sty<span class=\"_ _8\"></span>re-</span><span style=\"display:inherit;clear:left;\">Tille<span class=\"ls155 ws206\">gg<span class=\"ls133 ws1e0\">s- <span class=\"_ _4\"></span><span class=\"ls0 ws0\"> </span></span></span></span><span style=\"display:inherit;clear:left;\">Samlet g<span class=\"_ _1\"></span>odt<span class=\"_ _2\"></span>-</span><span style=\"display:inherit;clear:left;\">g<span class=\"_ _8\"></span>o<span class=\"_ _8\"></span>d<span class=\"_ _a\"></span>t-<span class=\"_ _8\"></span><span class=\"ls0 ws0\"> </span></span><span style=\"display:inherit;clear:left;\">Sty<span class=\"_ _8\"></span>ret</span><span style=\"display:inherit;clear:left;\">honorar</span><span style=\"display:inherit;clear:left;\">honorar</span><span style=\"display:inherit;clear:left;\">g<span class=\"_ _8\"></span>j<span class=\"_ _8\"></span>\u00f8re<span class=\"_ _8\"></span>ls<span class=\"_ _8\"></span>e</span><span style=\"display:inherit;clear:left;\">g<span class=\"_ _8\"></span>j<span class=\"_ _8\"></span>\u00f8re<span class=\"_ _8\"></span>ls<span class=\"_ _8\"></span>e</span><span style=\"display:inherit;clear:left;\">Arild Hugleik B\u00f8dal<span class=\"_ _222\"> </span>Styrets leder<span class=\"_ _15\"> </span><span class=\"lsd wsd\">590 000<span class=\"_ _89\"> </span><span class=\"lsa wsa\">144 4<span class=\"_ _8\"></span>00<span class=\"_ _dc\"> </span><span class=\"ls120 ws1cb\">734 4<span class=\"_ _8\"></span>00<span class=\"_ _107\"> </span></span></span>68<span class=\"_ _8\"></span>3 000</span></span><span style=\"display:inherit;clear:left;\">Magne Morken<span class=\"_ _1f4\"> </span></span><span style=\"display:inherit;clear:left;\">Styrets nestleder<span class=\"_ _86\"> </span></span><span style=\"display:inherit;clear:left;\">293 750<span class=\"_ _85\"> </span></span><span style=\"display:inherit;clear:left;\">123 6<span class=\"_ _8\"></span>00<span class=\"_ _89\"> </span><span class=\"ls59 wsac\">417<span class=\"_ _8\"></span> 3<span class=\"_ _8\"></span>5<span class=\"_ _a\"></span>0<span class=\"_ _65\"> </span><span class=\"ls10 ws10\">3<span class=\"_ _8\"></span>69 250</span></span></span><span style=\"display:inherit;clear:left;\">Agnethe Brekk<span class=\"_ _1\"></span>e<span class=\"_ _20c\"> </span></span><span style=\"display:inherit;clear:left;\">Styremedlem<span class=\"_ _117\"> </span><span class=\"ls10 ws10\">256 250<span class=\"_ _189\"> </span></span></span><span style=\"display:inherit;clear:left;\">121 000</span><span style=\"display:inherit;clear:left;\"><span class=\"_ _cb\"> </span><span class=\"ls10 ws10\">377<span class=\"_ _8\"></span> 250<span class=\"_ _65\"> </span>356<span class=\"_ _8\"></span> 250</span></span><span style=\"display:inherit;clear:left;\">Christine Sagen Helg\u00f8<span class=\"_ _1fc\"> </span></span><span style=\"display:inherit;clear:left;\">Styr<span class=\"_ _1\"></span>emedlem<span class=\"_ _25\"> </span><span class=\"ls10 ws10\">256 250<span class=\"_ _65\"> </span><span class=\"ls0 ws0\">11<span class=\"_ _8\"></span>8 500<span class=\"_ _b7\"> </span><span class=\"ls124 ws1ce\">3<span class=\"_ _a\"></span>74<span class=\"_ _8\"></span> 7<span class=\"_ _8\"></span>5<span class=\"_ _a\"></span>0<span class=\"_ _6f\"> </span></span></span>33<span class=\"_ _8\"></span>9 250</span></span><span style=\"display:inherit;clear:left;\">Gunnar Skeie<span class=\"_ _195\"> </span></span><span style=\"display:inherit;clear:left;\">Styremedlem<span class=\"_ _25\"> </span><span class=\"ls10 ws10\">256 250<span class=\"_ _86\"> </span><span class=\"ls122 ws1cc\">128 10<span class=\"_ _8\"></span>0<span class=\"_ _19a\"> </span><span class=\"ls0 ws0\">38<span class=\"_ _8\"></span>4 350<span class=\"_ _65\"> </span></span></span>3<span class=\"_ _8\"></span>39 25<span class=\"_ _8\"></span>0</span></span><span style=\"display:inherit;clear:left;\">Henrik Mogens<span class=\"_ _1\"></span> Gundersen<span class=\"_ _22d\"> </span>Styremedlem<span class=\"_ _25\"> </span><span class=\"ls10 ws10\">256 250<span class=\"_ _43\"> </span><span class=\"ls0 ws0\">0<span class=\"_ _d4\"> </span></span>256 25<span class=\"_ _8\"></span>0<span class=\"_ _65\"> </span><span class=\"ls84 wsdf\">24<span class=\"_ _8\"></span>3 75<span class=\"_ _8\"></span>0</span></span></span><span style=\"display:inherit;clear:left;\">Kristin R\u00f8<span class=\"_ _1\"></span>yrbotten Axelsen<span class=\"_ _16a\"> </span>St<span class=\"_ _8\"></span>yremedlem<span class=\"_ _df\"> </span></span><span style=\"display:inherit;clear:left;\">256 250<span class=\"_ _12\"> </span></span><span style=\"display:inherit;clear:left;\">14 10<span class=\"_ _8\"></span>0<span class=\"_ _d4\"> </span><span class=\"ls125 ws1cf\">2<span class=\"_ _8\"></span>70 3<span class=\"_ _8\"></span>5<span class=\"_ _8\"></span>0<span class=\"_ _6f\"> </span><span class=\"ls126 ws1d0\">252<span class=\"_ _8\"></span> 750</span></span></span><span style=\"display:inherit;clear:left;\">Marianne Dorthea Jacobsen<span class=\"_ _316\"> </span>Styremedlem<span class=\"_ _df\"> </span></span><span style=\"display:inherit;clear:left;\">256<span class=\"_ _8\"></span> 250<span class=\"_ _6b\"> </span></span><span style=\"display:inherit;clear:left;\">105 250<span class=\"_ _b7\"> </span><span class=\"ls0 ws0\">361 5<span class=\"_ _8\"></span>00<span class=\"_ _6f\"> </span><span class=\"ls21 ws175\">32<span class=\"_ _8\"></span>2 750</span></span></span><span style=\"display:inherit;clear:left;\">Stig Standal T<span class=\"_ _2\"></span>aule<span class=\"_ _170\"> </span>Styre<span class=\"_ _1\"></span>medlem<span class=\"_ _25\"> </span><span class=\"ls10 ws10\">256 250<span class=\"_ _43\"> </span><span class=\"ls0 ws0\">0<span class=\"_ _d4\"> </span></span>256<span class=\"_ _8\"></span> 250<span class=\"_ _ba\"> </span>196<span class=\"_ _8\"></span> 250</span></span><span style=\"display:inherit;clear:left;\">Kirsti Lovise<span class=\"_ _1\"></span> Slotsvik<span class=\"_ _317\"> </span></span><span style=\"display:inherit;clear:left;\">Styremedlem<span class=\"_ _df\"> </span></span><span style=\"display:inherit;clear:left;\">256<span class=\"_ _8\"></span> 250<span class=\"_ _5d\"> </span></span><span style=\"display:inherit;clear:left;\">18 9<span class=\"_ _8\"></span>00<span class=\"_ _cd\"> </span><span class=\"ls21 ws175\">275 1<span class=\"_ _8\"></span>50<span class=\"_ _74\"> </span>192<span class=\"_ _8\"></span> 750</span></span><span style=\"display:inherit;clear:left;\">P\u00e5l K\u00e5rb\u00f8 (<span class=\"_ _1\"></span>til<span class=\"_ _1\"></span> mars 2<span class=\"_ _1\"></span>022,<span class=\"_ _1\"></span> var<span class=\"_ _1\"></span>amedlem)<span class=\"_ _318\"> </span><span class=\"ls0 ws0\">0<span class=\"_ _21e\"> </span>0<span class=\"_ _84\"> </span>0<span class=\"_ _1a\"> </span>58 50<span class=\"_ _8\"></span>0</span></span><span style=\"display:inherit;clear:left;\">Ann<span class=\"_ _8\"></span>e Mar<span class=\"_ _8\"></span>it Ho<span class=\"_ _8\"></span>pe (til m<span class=\"_ _8\"></span>ars 2022)<span class=\"_ _280\"> </span>0<span class=\"_ _21e\"> </span>0<span class=\"_ _84\"> </span>0<span class=\"_ _5d\"> </span><span class=\"lsd wsd\">64 000</span></span><span style=\"display:inherit;clear:left;\">Bir<span class=\"_ _8\"></span>th<span class=\"_ _8\"></span>e K\u00e5fj<span class=\"_ _8\"></span>ord La<span class=\"_ _8\"></span>nge (til m<span class=\"_ _8\"></span>ars 2022)<span class=\"_ _319\"> </span>0<span class=\"_ _21e\"> </span>0<span class=\"_ _84\"> </span>0<span class=\"_ _14\"> </span>8<span class=\"_ _1\"></span>2 500</span><span style=\"display:inherit;clear:left;\">Karen Mar<span class=\"_ _1\"></span>gret<span class=\"_ _1\"></span>e Riisnes<span class=\"_ _257\"> </span>Var<span class=\"_ _1\"></span>amedlem<span class=\"_ _169\"> </span><span class=\"lsd wsd\">58 000<span class=\"_ _6f\"> </span>25 000<span class=\"_ _85\"> </span>83 000<span class=\"_ _98\"> </span><span class=\"ls31 ws81\">57<span class=\"_ _8\"></span> 25<span class=\"_ _8\"></span>0</span></span></span><span style=\"display:inherit;clear:left;\">A<span class=\"_ _1\"></span>tle Harald<span class=\"_ _1\"></span> Sandtorv<span class=\"_ _ef\"> </span>Var<span class=\"_ _1\"></span>amedlem<span class=\"_ _169\"> </span><span class=\"lsd wsd\">58 000<span class=\"_ _169\"> </span><span class=\"ls0 ws0\">0<span class=\"_ _6b\"> </span></span>58<span class=\"_ _1\"></span> 000<span class=\"_ _17\"> </span><span class=\"ls131 ws1dd\">41<span class=\"_ _8\"></span> 2<span class=\"_ _8\"></span>5<span class=\"_ _a\"></span>0</span></span></span><span style=\"display:inherit;clear:left;\">To<span class=\"_ _8\"></span>t<span class=\"_ _a\"></span>a<span class=\"_ _8\"></span>l<span class=\"_ _a\"></span>t<span class=\"_ _1b0\"> </span><span class=\"ls0 ws0\">3 049 750<span class=\"_ _cd\"> </span><span class=\"ls121 wsaa\">798 850<span class=\"_ _c3\"> </span></span>3 848 60<span class=\"_ _8\"></span>0<span class=\"_ _131\"> </span>3 598 750</span></span><span style=\"display:inherit;clear:left;\">Styrehonor<span class=\"_ _1\"></span>arer og<span class=\"_ _1\"></span> tilleggshonorarer f<span class=\"_ _1\"></span>or deltak<span class=\"_ _1\"></span>else i<span class=\"_ _1\"></span> utvalg f<span class=\"_ _1\"></span>\u00f8lger a<span class=\"_ _1\"></span>v<span class=\"_ _1\"></span> gener<span class=\"_ _1\"></span>alforsamling<span class=\"_ _1\"></span>svedtak.</span><span style=\"display:inherit;clear:left;\">Go<span class=\"_ _8\"></span>dtg<span class=\"_ _a\"></span>j\u00f8<span class=\"_ _8\"></span>rels<span class=\"_ _8\"></span>e til gen<span class=\"_ _8\"></span>eralfo<span class=\"_ _8\"></span>rsam<span class=\"_ _8\"></span>lin<span class=\"_ _8\"></span>gen i mo<span class=\"_ _8\"></span>rban<span class=\"_ _8\"></span>k utg<span class=\"_ _a\"></span>jo<span class=\"_ _8\"></span>rde 99 125 (92 375) kron<span class=\"_ _8\"></span>er<span class=\"_ _2\"></span>. I t<span class=\"_ _8\"></span>ille<span class=\"_ _8\"></span>g<span class=\"_ _8\"></span>g komm<span class=\"_ _8\"></span>er m\u00f8te<span class=\"_ _8\"></span>hon<span class=\"_ _8\"></span>orar  </span><span style=\"display:inherit;clear:left;\">p\u00e5 7<span class=\"_ _1\"></span>36 400<span class=\"_ _1\"></span> (906<span class=\"_ _1\"></span> 900)<span class=\"_ _1\"></span> kroner<span class=\"_ _0\"></span>.</span><span style=\"display:inherit;clear:left;\">L\u00e5n og sikk<span class=\"_ _1\"></span>erhetsstillelse til<span class=\"_ _1\"></span> ledende ansatt<span class=\"_ _1\"></span>e, ansa<span class=\"_ _1\"></span>tte<span class=\"_ _1\"></span> og tillits<span class=\"_ _1\"></span>valgte</span><span style=\"display:inherit;clear:left;\">(tall i t<span class=\"_ _8\"></span>usen k<span class=\"_ _8\"></span>rone<span class=\"_ _8\"></span>r)</span><span style=\"display:inherit;clear:left;\">MORBANK<span class=\"_ _e2\"> </span>K<span class=\"_ _1\"></span>ONSERN</span><span style=\"display:inherit;clear:left;\">L\u00e5n og sikkerhe<span class=\"_ _1\"></span>ts<span class=\"_ _1\"></span>stillelse til k<span class=\"_ _1\"></span>onsernledelsen<span class=\"_ _2dd\"> </span><span class=\"lsf6 ws158\">2023<span class=\"_ _e9\"> </span>2022<span class=\"_ _e9\"> </span>202<span class=\"_ _8\"></span>3<span class=\"_ _91\"> </span>202<span class=\"_ _8\"></span>2</span></span><span style=\"display:inherit;clear:left;\">Konsernsje<span class=\"_ _1\"></span>f Jan Erik Kjerpese<span class=\"_ _1\"></span>th<span class=\"_ _2cf\"> </span>2<span class=\"_ _43\"> </span>0<span class=\"_ _78\"> </span>8 002<span class=\"_ _17\"> </span>7 000</span><span style=\"display:inherit;clear:left;\">\u00d8vrige medlemmer i k<span class=\"_ _1\"></span>onsernledelsen<span class=\"_ _148\"> </span>2<span class=\"_ _1\"></span>4 651<span class=\"_ _98\"> </span>21 016<span class=\"_ _ba\"> </span><span class=\"ls82 ws14b\">56 4<span class=\"_ _8\"></span>80<span class=\"_ _72\"> </span></span>53 314</span><span style=\"display:inherit;clear:left;\">L\u00e5n gitt til gener<span class=\"_ _1\"></span>elle vilk\u00e5r f<span class=\"_ _1\"></span>or ansa<span class=\"_ _1\"></span>t<span class=\"_ _1\"></span>te<span class=\"_ _81\"> </span><span class=\"ff1\">24 653<span class=\"_ _1a\"> </span>21 016<span class=\"_ _6f\"> </span>64 482<span class=\"_ _74\"> </span>60 314</span></span><span style=\"display:inherit;clear:left;\">L\u00e5n og sikk<span class=\"_ _1\"></span>erhetsstillelse til<span class=\"_ _1\"></span> tillitsv<span class=\"_ _1\"></span>algte, morbank</span><span style=\"display:inherit;clear:left;\">Sty<span class=\"_ _8\"></span>ret</span><span style=\"display:inherit;clear:left;\">Arild Hugleik B\u00f8dal<span class=\"_ _222\"> </span><span class=\"ls0 ws0\">Styre<span class=\"_ _1\"></span>ts leder<span class=\"_ _f0\"> </span>4<span class=\"_ _a0\"> </span><span class=\"ls122 ws1cc\">12<span class=\"_ _21e\"> </span></span>4<span class=\"_ _84\"> </span><span class=\"ls122 ws1cc\">12</span></span></span><span style=\"display:inherit;clear:left;\">Magne Morken<span class=\"_ _1f4\"> </span><span class=\"ls0 ws0\">Styre<span class=\"_ _1\"></span>ts nes<span class=\"_ _1\"></span>tleder<span class=\"_ _67\"> </span>0<span class=\"_ _21e\"> </span>0<span class=\"_ _43\"> </span>0<span class=\"_ _43\"> </span>0</span></span><span style=\"display:inherit;clear:left;\">Agnethe Brekk<span class=\"_ _1\"></span>e<span class=\"_ _20c\"> </span><span class=\"ls0 ws0\">Styremedlem<span class=\"_ _f7\"> </span>0<span class=\"_ _43\"> </span>0<span class=\"_ _21e\"> </span>0<span class=\"_ _43\"> </span>0</span></span><span style=\"display:inherit;clear:left;\">Gunnar Skeie<span class=\"_ _195\"> </span><span class=\"ls0 ws0\">Styremedlem<span class=\"_ _f7\"> </span>0<span class=\"_ _43\"> </span>0<span class=\"_ _21e\"> </span>0<span class=\"_ _43\"> </span>0</span></span><span style=\"display:inherit;clear:left;\">Henrik Mogens<span class=\"_ _1\"></span> Gundersen<span class=\"_ _22d\"> </span><span class=\"ls0 ws0\">Styreme<span class=\"_ _1\"></span>dlem<span class=\"_ _103\"> </span><span class=\"ls133 ws1e0\">46<span class=\"_ _48\"> </span>95<span class=\"_ _9a\"> </span><span class=\"ls126 ws1d0\">1 586<span class=\"_ _8b\"> </span></span></span>1 635</span></span><span style=\"display:inherit;clear:left;\">Kristin R\u00f8<span class=\"_ _1\"></span>yrbotten Axelsen<span class=\"_ _16a\"> </span></span><span style=\"display:inherit;clear:left;\">Styremedlem<span class=\"_ _f7\"> </span>0<span class=\"_ _43\"> </span>0<span class=\"_ _21a\"> </span><span class=\"ls125 ws1cf\">2<span class=\"_ _8\"></span> 7<span class=\"_ _8\"></span>70<span class=\"_ _8d\"> </span><span class=\"lsa wsa\">2 535</span></span></span><span style=\"display:inherit;clear:left;\">Marianne Dorthea Jacobsen<span class=\"_ _316\"> </span><span class=\"ls0 ws0\">Styr<span class=\"_ _1\"></span>emedlem<span class=\"_ _f7\"> </span>0<span class=\"_ _43\"> </span>0<span class=\"_ _3e\"> </span><span class=\"lsa wsa\">3 27<span class=\"_ _8\"></span>7<span class=\"_ _8d\"> </span></span>3 33<span class=\"_ _8\"></span>6</span></span><span style=\"display:inherit;clear:left;\">Christine Sagen Helg\u00f8<span class=\"_ _1fc\"> </span><span class=\"ls0 ws0\">S<span class=\"_ _1\"></span>tyreme<span class=\"_ _1\"></span>dlem<span class=\"_ _f3\"> </span>0<span class=\"_ _21e\"> </span>0<span class=\"_ _43\"> </span>0<span class=\"_ _43\"> </span>0</span></span><span style=\"display:inherit;clear:left;\">Stig Standal T<span class=\"_ _2\"></span>aule<span class=\"_ _170\"> </span><span class=\"ls0 ws0\">S<span class=\"_ _1\"></span>tyremedlem<span class=\"_ _f0\"> </span>3<span class=\"_ _49\"> </span><span class=\"ls123 ws1cd\">10<span class=\"_ _21a\"> </span><span class=\"ls21 ws175\">2 073<span class=\"_ _18\"> </span></span></span>2 0<span class=\"_ _8\"></span>40</span></span><span style=\"display:inherit;clear:left;\">Kir<span class=\"_ _8\"></span>sti Lovi<span class=\"_ _8\"></span>se Sl<span class=\"_ _8\"></span>otsvi<span class=\"_ _8\"></span>k <span class=\"_ _260\"> </span>Styr<span class=\"_ _1\"></span>emedlem<span class=\"_ _f7\"> </span>0<span class=\"_ _43\"> </span>0<span class=\"_ _43\"> </span>0<span class=\"_ _21e\"> </span>0</span><span style=\"display:inherit;clear:left;\">Kare<span class=\"_ _8\"></span>n Marg<span class=\"_ _8\"></span>rete Ri<span class=\"_ _8\"></span>isne<span class=\"_ _8\"></span>s <span class=\"_ _23c\"> </span>V<span class=\"_ _1\"></span>ar<span class=\"_ _1\"></span>amedlem<span class=\"_ _e4\"> </span>0<span class=\"_ _43\"> </span>0<span class=\"_ _97\"> </span><span class=\"ls9 ws9\">32<span class=\"_ _8\"></span>2<span class=\"_ _95\"> </span><span class=\"ls12e ws1d8\">444</span></span></span><span style=\"display:inherit;clear:left;\">Atle Ha<span class=\"_ _8\"></span>rald Sa<span class=\"_ _8\"></span>ndto<span class=\"_ _8\"></span>rv <span class=\"_ _2c7\"> </span>V<span class=\"_ _2\"></span>aramedlem<span class=\"_ _4f\"> </span>2<span class=\"_ _c8\"> </span>2<span class=\"_ _c8\"> </span>2<span class=\"_ _c8\"> </span>2</span><span style=\"display:inherit;clear:left;\">L\u00e5n gitt p\u00e5 ordin\u00e6r<span class=\"_ _1\"></span>e k<span class=\"_ _1\"></span>undebeting<span class=\"_ _1\"></span>elser med unn<span class=\"_ _1\"></span>tak </span><span style=\"display:inherit;clear:left;\">a<span class=\"_ _1\"></span>v ansa<span class=\"_ _1\"></span>ttr<span class=\"_ _1\"></span>epr<span class=\"_ _1\"></span>esen<span class=\"_ _1\"></span>tan<span class=\"_ _1\"></span>ter<span class=\"_ _fe\"> </span></span><span style=\"display:inherit;clear:left;\">55<span class=\"_ _99\"> </span><span class=\"ls9 ws9\">119<span class=\"_ _74\"> </span></span></span><span style=\"display:inherit;clear:left;\"><span class=\"ff1\">10 0<span class=\"_ _8\"></span>35<span class=\"_ _6e\"> </span>10 0<span class=\"_ _8\"></span>04</span></span><span style=\"display:inherit;clear:left;\">Generalfor<span class=\"_ _1\"></span>samlingen</span><span style=\"display:inherit;clear:left;\">Sivert S\u00f8rnes, gener<span class=\"_ _1\"></span>alf<span class=\"_ _1\"></span>orsamlingens<span class=\"_ _1\"></span> leder <span class=\"_ _1cd\"> </span></span><span style=\"display:inherit;clear:left;\">1 269<span class=\"_ _8b\"> </span><span class=\"ls0 ws0\">1 296<span class=\"_ _9a\"> </span><span class=\"ls82 ws14b\">1 979<span class=\"_ _75\"> </span></span>2 775</span></span><span style=\"display:inherit;clear:left;\">\u00d8vrige medlemmer a<span class=\"_ _1\"></span>v g<span class=\"_ _1\"></span>ener<span class=\"_ _1\"></span>alfor<span class=\"_ _1\"></span>samlingen med unn<span class=\"_ _1\"></span>tak a<span class=\"_ _1\"></span>v </span><span style=\"display:inherit;clear:left;\">ansa<span class=\"_ _1\"></span>ttr<span class=\"_ _1\"></span>epr<span class=\"_ _1\"></span>esen<span class=\"_ _1\"></span>tant<span class=\"_ _1\"></span>er <span class=\"_ _15e\"> </span>23 010<span class=\"_ _93\"> </span>26 4<span class=\"_ _8\"></span>51<span class=\"_ _74\"> </span><span class=\"ls11e wsb9\">62 629<span class=\"_ _74\"> </span></span>62 388</span><span style=\"display:inherit;clear:left;\">L\u00e5n gitt p\u00e5 ordin\u00e6r<span class=\"_ _1\"></span>e kundebeting<span class=\"_ _1\"></span>elser<span class=\"_ _f5\"> </span></span><span style=\"display:inherit;clear:left;\">24<span class=\"_ _8\"></span> 279<span class=\"_ _5d\"> </span></span><span style=\"display:inherit;clear:left;\">2<span class=\"_ _a\"></span>7<span class=\"_ _8\"></span> 74<span class=\"_ _8\"></span>7<span class=\"_ _6f\"> </span><span class=\"ls0 ws0\">6<span class=\"_ _8\"></span>4 608<span class=\"_ _5d\"> </span>6<span class=\"_ _8\"></span>5 163</span></span><span style=\"display:inherit;clear:left;\">1)</span><span style=\"display:inherit;clear:left;\">Samlet utl\u00e5n<span class=\"_ _1\"></span> og sikk<span class=\"_ _1\"></span>erhetsstillelse til<span class=\"_ _1\"></span> ansatt<span class=\"_ _1\"></span>e </span><span style=\"display:inherit;clear:left;\">662 790<span class=\"_ _6b\"> </span></span><span style=\"display:inherit;clear:left;\">527 15<span class=\"_ _8\"></span>5<span class=\"_ _5c\"> </span><span class=\"ls0 ws0\">2 442 58<span class=\"_ _8\"></span>2<span class=\"_ _19a\"> </span>2 172 315</span></span><span style=\"display:inherit;clear:left;\">1)</span><span style=\"display:inherit;clear:left;\"> Eksklusiv<span class=\"_ _1\"></span> konsernledelsen og<span class=\"_ _1\"></span> ansattr<span class=\"_ _1\"></span>epresentant<span class=\"_ _1\"></span>er i styr<span class=\"_ _1\"></span>et.</span><span style=\"display:inherit;clear:left;\">Subsidiekostna<span class=\"_ _1\"></span>den kn<span class=\"_ _1\"></span>yttet til r<span class=\"_ _1\"></span>entesubsidiering<span class=\"_ _1\"></span> a<span class=\"_ _1\"></span>v l\u00e5n ti<span class=\"_ _1\"></span>l ansa<span class=\"_ _1\"></span>tte er ikk<span class=\"_ _1\"></span>e bokf\u00f8rt som driftsk<span class=\"_ _1\"></span>ostnad og<span class=\"_ _1\"></span> p\u00e5v<span class=\"_ _1\"></span>irker<span class=\"_ _1\"></span> bankens<span class=\"_ _1\"></span> rent<span class=\"_ _1\"></span>e-</span><span style=\"display:inherit;clear:left;\">net<span class=\"_ _8\"></span>to. L\u00e5<span class=\"_ _8\"></span>n til a<span class=\"_ _8\"></span>nsat<span class=\"_ _8\"></span>te subs<span class=\"_ _8\"></span>idi<span class=\"_ _8\"></span>eres m<span class=\"_ _8\"></span>ed et rab<span class=\"_ _8\"></span>attel<span class=\"_ _8\"></span>eme<span class=\"_ _8\"></span>nt p\u00e5 ordi<span class=\"_ _8\"></span>n\u00e6re k<span class=\"_ _8\"></span>unde<span class=\"_ _8\"></span>bet<span class=\"_ _8\"></span>ingel<span class=\"_ _8\"></span>ser<span class=\"_ _1\"></span>, hhv<span class=\"_ _1\"></span>. 25 % rabatt fo<span class=\"_ _8\"></span>r l\u00e5n me<span class=\"_ _8\"></span>d fly<span class=\"_ _8\"></span>te<span class=\"_ _8\"></span>nde rent<span class=\"_ _8\"></span>e </span><span style=\"display:inherit;clear:left;\">og 0,65 %-po<span class=\"_ _8\"></span>eng fo<span class=\"_ _8\"></span>r l\u00e5n m<span class=\"_ _8\"></span>ed fast re<span class=\"_ _8\"></span>nte.</span>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfInformationAboutKeyManagementPersonnelExplanatory",
    "language": "no",
    "entity": "scheme:213800M7T3CYVZ3ZRT12",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "s10_notes__6__95": {
   "value": "<span style=\"display:inherit;clear:left;\">No<span class=\"_ _1\"></span>te 43 Transaksjone<span class=\"_ _1\"></span>r med n\u00e6<span class=\"_ _1\"></span>rst\u00e5end<span class=\"_ _1\"></span>e parter</span><span style=\"display:inherit;clear:left;\">L\u00f8n<span class=\"_ _8\"></span>n og an<span class=\"_ _8\"></span>dre y<span class=\"_ _8\"></span>tels<span class=\"_ _8\"></span>er ti<span class=\"_ _8\"></span>l led<span class=\"_ _8\"></span>end<span class=\"_ _8\"></span>e ans<span class=\"_ _8\"></span>atte</span><span style=\"display:inherit;clear:left;\">(tall i t<span class=\"_ _8\"></span>usen k<span class=\"_ _8\"></span>rone<span class=\"_ _8\"></span>r)</span><span style=\"display:inherit;clear:left;\">Ledende ansa<span class=\"_ _1\"></span>tte er de<span class=\"_ _1\"></span>finert som medlemmer a<span class=\"_ _1\"></span>v k<span class=\"_ _1\"></span>onsernledelsen. Inf<span class=\"_ _1\"></span>ormasjonen omf<span class=\"_ _1\"></span>a<span class=\"_ _1\"></span>tter l\u00f8nn og<span class=\"_ _1\"></span> samlede ska<span class=\"_ _1\"></span>ttepliktige ytelser<span class=\"_ _2\"></span>, </span><span style=\"display:inherit;clear:left;\">andelen a<span class=\"_ _1\"></span>v de t<span class=\"_ _1\"></span>otale ytelser som<span class=\"_ _1\"></span> vedr<span class=\"_ _1\"></span>\u00f8rer<span class=\"_ _1\"></span> utbetalt bonus sam<span class=\"_ _1\"></span>t \u00e5re<span class=\"_ _1\"></span>ts beregnede opptjen<span class=\"_ _1\"></span>te pens<span class=\"_ _1\"></span>jonsrettigheter<span class=\"_ _0\"></span>. Opptjent pensjon </span><span style=\"display:inherit;clear:left;\">omfa<span class=\"_ _1\"></span>tter \u00e5r<span class=\"_ _1\"></span>ets opp<span class=\"_ _1\"></span>tjente<span class=\"_ _1\"></span> re<span class=\"_ _1\"></span>ttigheter i bank<span class=\"_ _1\"></span>ens f<span class=\"_ _1\"></span>oretaks<span class=\"_ _1\"></span>pensjonsordning, samt<span class=\"_ _1\"></span> opptjent<span class=\"_ _1\"></span> pensjon i<span class=\"_ _1\"></span> topplederord<span class=\"_ _1\"></span>ningen. F<span class=\"_ _2\"></span>or </span><span style=\"display:inherit;clear:left;\">beskrivelse a<span class=\"_ _1\"></span>v<span class=\"_ _1\"></span> pensjonsord<span class=\"_ _1\"></span>ningene<span class=\"_ _1\"></span> se not<span class=\"_ _1\"></span>e 31<span class=\"_ _1\"></span> \u00abPensj<span class=\"_ _1\"></span>oner\u00bb.</span><span style=\"display:inherit;clear:left;\">L\u00f8n<span class=\"_ _8\"></span>n- og <span class=\"_ _b3\"></span> </span><span style=\"display:inherit;clear:left;\">Samlet <span class=\"_ _4\"></span><span class=\"ls0 ws0\"> </span></span><span style=\"display:inherit;clear:left;\">nat<span class=\"_ _1\"></span>ural<span class=\"_ _1\"></span>-<span class=\"ls0 ws0\"> </span></span><span style=\"display:inherit;clear:left;\">Utbeta<span class=\"_ _1\"></span>lt</span><span style=\"display:inherit;clear:left;\">g<span class=\"_ _8\"></span>o<span class=\"_ _8\"></span>d<span class=\"_ _a\"></span>t-<span class=\"_ _8\"></span><span class=\"ls0 ws0\"> </span></span><span style=\"display:inherit;clear:left;\">Pensjons-<span class=\"_ _1\"></span><span class=\"ls0 ws0\"> </span></span><span style=\"display:inherit;clear:left;\">Samlet g<span class=\"_ _1\"></span>odtg<span class=\"_ _8\"></span>j\u00f8relse<span class=\"_ _1\"></span> til ban<span class=\"_ _1\"></span>kens<span class=\"_ _1\"></span> kon<span class=\"_ _1\"></span>sernledelse</span><span style=\"display:inherit;clear:left;\">yte<span class=\"_ _8\"></span>lser</span><span style=\"display:inherit;clear:left;\">bonus</span><span style=\"display:inherit;clear:left;\">g<span class=\"_ _8\"></span>j<span class=\"_ _8\"></span>\u00f8re<span class=\"_ _8\"></span>ls<span class=\"_ _8\"></span>e</span><span style=\"display:inherit;clear:left;\">kostnad</span><span style=\"display:inherit;clear:left;\">Godtg<span class=\"_ _8\"></span>j\u00f8relse til medlemmer a<span class=\"_ _1\"></span>v k<span class=\"_ _1\"></span>onsernledelsen f<span class=\"_ _1\"></span>or r<span class=\"_ _1\"></span>egnskaps\u00e5ret<span class=\"_ _1\"></span> 2023<span class=\"_ _112\"> </span></span><span style=\"display:inherit;clear:left;\">23<span class=\"_ _8\"></span> 778<span class=\"_ _90\"> </span><span class=\"ls0 ws0\">3 45<span class=\"_ _8\"></span>6<span class=\"_ _a5\"> </span><span class=\"lsa wsa\">27 234<span class=\"_ _6b\"> </span></span>6 066</span></span><span style=\"display:inherit;clear:left;\">Godtg<span class=\"_ _8\"></span>j\u00f8relse til medlemmer a<span class=\"_ _1\"></span>v k<span class=\"_ _1\"></span>onsernledelsen f<span class=\"_ _1\"></span>or r<span class=\"_ _1\"></span>egnskaps\u00e5ret<span class=\"_ _1\"></span> 2022<span class=\"_ _209\"> </span></span><span style=\"display:inherit;clear:left;\">25 000<span class=\"_ _90\"> </span><span class=\"ls9 ws9\">4 932<span class=\"_ _a5\"> </span>2<span class=\"_ _8\"></span>9 932<span class=\"_ _8e\"> </span><span class=\"ls120 ws1cb\">5 732</span></span></span><span style=\"display:inherit;clear:left;\">Sty<span class=\"_ _8\"></span>ret fast<span class=\"_ _8\"></span>set<span class=\"_ _8\"></span>ter et<span class=\"_ _8\"></span>ter inn<span class=\"_ _8\"></span>stil<span class=\"_ _8\"></span>lin<span class=\"_ _8\"></span>g fra God<span class=\"_ _8\"></span>tg<span class=\"_ _a\"></span>j\u00f8re<span class=\"_ _8\"></span>lse<span class=\"_ _8\"></span>sut<span class=\"_ _8\"></span>valget l<span class=\"_ _8\"></span>\u00f8nn fo<span class=\"_ _8\"></span>r Konse<span class=\"_ _8\"></span>rnsj<span class=\"_ _8\"></span>ef<span class=\"_ _1\"></span>. Komp<span class=\"_ _8\"></span>ens<span class=\"_ _8\"></span>asjo<span class=\"_ _8\"></span>n for \u00f8vri<span class=\"_ _8\"></span>ge top<span class=\"_ _8\"></span>ple<span class=\"_ _8\"></span>dere fas<span class=\"_ _8\"></span>tse<span class=\"_ _8\"></span>tte<span class=\"_ _8\"></span>s </span><span style=\"display:inherit;clear:left;\">av<span class=\"_ _1\"></span> Konsern<span class=\"_ _1\"></span>sjef ette<span class=\"_ _1\"></span>r dr\u00f8<span class=\"_ _1\"></span>fting med Godtg<span class=\"_ _8\"></span>j\u00f8relsesutvalge<span class=\"_ _1\"></span>t.</span><span style=\"display:inherit;clear:left;\">Ans<span class=\"_ _8\"></span>atte i l<span class=\"_ _8\"></span>ede<span class=\"_ _8\"></span>lsen s<span class=\"_ _8\"></span>amt d<span class=\"_ _8\"></span>irek<span class=\"_ _8\"></span>t\u00f8r for E<span class=\"_ _8\"></span>ien<span class=\"_ _8\"></span>doms<span class=\"_ _8\"></span>meg<span class=\"_ _8\"></span>le<span class=\"_ _8\"></span>r Vest AS ha<span class=\"_ _8\"></span>r 6 m\u00e5n<span class=\"_ _8\"></span>ede<span class=\"_ _8\"></span>r g<span class=\"_ _8\"></span>je<span class=\"_ _8\"></span>nsid<span class=\"_ _8\"></span>ig op<span class=\"_ _8\"></span>psi<span class=\"_ _8\"></span>gels<span class=\"_ _8\"></span>est<span class=\"_ _8\"></span>id og et ko<span class=\"_ _8\"></span>nkur<span class=\"_ _8\"></span>rans<span class=\"_ _8\"></span>eforb<span class=\"_ _8\"></span>ud so<span class=\"_ _8\"></span>m </span><span style=\"display:inherit;clear:left;\">g<span class=\"_ _8\"></span>j<span class=\"_ _8\"></span>eld<span class=\"_ _8\"></span>er i 6 m\u00e5n<span class=\"_ _8\"></span>ed<span class=\"_ _8\"></span>er utover d<span class=\"_ _8\"></span>ette<span class=\"_ _8\"></span>. I forho<span class=\"_ _8\"></span>ld ti<span class=\"_ _8\"></span>l Konse<span class=\"_ _8\"></span>rnsj<span class=\"_ _8\"></span>ef er d<span class=\"_ _8\"></span>et en g<span class=\"_ _8\"></span>j<span class=\"_ _8\"></span>ens<span class=\"_ _8\"></span>idi<span class=\"_ _8\"></span>g opp<span class=\"_ _8\"></span>sigel<span class=\"_ _8\"></span>se<span class=\"_ _8\"></span>stid p<span class=\"_ _8\"></span>\u00e5 6 m\u00e5n<span class=\"_ _8\"></span>ede<span class=\"_ _8\"></span>r<span class=\"_ _2\"></span>. St<span class=\"_ _8\"></span>yret ka<span class=\"_ _8\"></span>n be<span class=\"_ _8\"></span>slut<span class=\"_ _8\"></span>te </span><span style=\"display:inherit;clear:left;\">tid<span class=\"_ _8\"></span>lige<span class=\"_ _8\"></span>re fratrede<span class=\"_ _8\"></span>n uten avkor<span class=\"_ _8\"></span>tn<span class=\"_ _8\"></span>ing i l\u00f8<span class=\"_ _8\"></span>nn. A<span class=\"_ _8\"></span>nsat<span class=\"_ _8\"></span>te i led<span class=\"_ _8\"></span>els<span class=\"_ _8\"></span>en sa<span class=\"_ _8\"></span>mt dire<span class=\"_ _8\"></span>kt\u00f8<span class=\"_ _8\"></span>r for Eie<span class=\"_ _8\"></span>ndo<span class=\"_ _8\"></span>msm<span class=\"_ _8\"></span>eg<span class=\"_ _8\"></span>ler Vest A<span class=\"_ _8\"></span>S har i t<span class=\"_ _8\"></span>ille<span class=\"_ _8\"></span>g<span class=\"_ _8\"></span>g en </span><span style=\"display:inherit;clear:left;\">f\u00f8r<span class=\"_ _8\"></span>tid<span class=\"_ _8\"></span>spe<span class=\"_ _8\"></span>nsjo<span class=\"_ _8\"></span>nsav<span class=\"_ _8\"></span>tal<span class=\"_ _8\"></span>e fra fy<span class=\"_ _8\"></span>lte 65 \u00e5<span class=\"_ _8\"></span>r<span class=\"_ _2\"></span>, so<span class=\"_ _8\"></span>m gi<span class=\"_ _8\"></span>r rett o<span class=\"_ _8\"></span>g plik<span class=\"_ _8\"></span>t ti<span class=\"_ _8\"></span>l fratrede<span class=\"_ _8\"></span>n mot 70 prose<span class=\"_ _8\"></span>nt av l\u00f8nn f<span class=\"_ _8\"></span>rem til 67 \u00e5<span class=\"_ _8\"></span>r<span class=\"_ _2\"></span>. Kon<span class=\"_ _8\"></span>sern<span class=\"_ _8\"></span>sjef h<span class=\"_ _8\"></span>ar rett </span><span style=\"display:inherit;clear:left;\">og \u2013 de<span class=\"_ _8\"></span>rso<span class=\"_ _8\"></span>m Styre<span class=\"_ _8\"></span>t \u00f8nsker d<span class=\"_ _8\"></span>et \u2013 pl<span class=\"_ _8\"></span>ik<span class=\"_ _8\"></span>t til \u00e5 fratre m<span class=\"_ _8\"></span>ed f\u00f8r<span class=\"_ _8\"></span>ti<span class=\"_ _8\"></span>dspe<span class=\"_ _8\"></span>nsj<span class=\"_ _8\"></span>on ved f<span class=\"_ _8\"></span>ylte 62 \u00e5<span class=\"_ _8\"></span>r<span class=\"_ _2\"></span>. Utove<span class=\"_ _8\"></span>r dett<span class=\"_ _8\"></span>e foreli<span class=\"_ _8\"></span>g<span class=\"_ _8\"></span>ger det i<span class=\"_ _8\"></span>kke </span><span style=\"display:inherit;clear:left;\">tjenestekon<span class=\"_ _1\"></span>trakter mellom<span class=\"_ _1\"></span> medlemmer a<span class=\"_ _1\"></span>v styre,<span class=\"_ _1\"></span> ledelse eller tils<span class=\"_ _1\"></span>ynsorganer<span class=\"_ _1\"></span> og Sparebank<span class=\"_ _1\"></span>en V<span class=\"_ _2\"></span>est eller Sparebank<span class=\"_ _1\"></span>en V<span class=\"_ _2\"></span>e<span class=\"_ _8\"></span>st sine<span class=\"_ _1\"></span> </span><span style=\"display:inherit;clear:left;\">datterselskaper som<span class=\"_ _1\"></span> fastsetter<span class=\"_ _1\"></span> ytelser ved a<span class=\"_ _1\"></span>vslutning<span class=\"_ _1\"></span> av<span class=\"_ _1\"></span> ansettelsesforholdet.</span><span style=\"display:inherit;clear:left;\">Yt<span class=\"_ _1\"></span>elser til<span class=\"_ _1\"></span> tillitsv<span class=\"_ _1\"></span>algte</span><span style=\"display:inherit;clear:left;\">(tall<span class=\"_ _1\"></span> i hele<span class=\"_ _1\"></span> kroner<span class=\"_ _1\"></span>)</span><span style=\"display:inherit;clear:left;\">2023</span><span style=\"display:inherit;clear:left;\">2022</span><span style=\"display:inherit;clear:left;\">Samlet <span class=\"_ _4\"></span><span class=\"ls0 ws0\"> </span></span><span style=\"display:inherit;clear:left;\">Sty<span class=\"_ _8\"></span>re-</span><span style=\"display:inherit;clear:left;\">Tille<span class=\"ls155 ws206\">gg<span class=\"ls133 ws1e0\">s- <span class=\"_ _4\"></span><span class=\"ls0 ws0\"> </span></span></span></span><span style=\"display:inherit;clear:left;\">Samlet g<span class=\"_ _1\"></span>odt<span class=\"_ _2\"></span>-</span><span style=\"display:inherit;clear:left;\">g<span class=\"_ _8\"></span>o<span class=\"_ _8\"></span>d<span class=\"_ _a\"></span>t-<span class=\"_ _8\"></span><span class=\"ls0 ws0\"> </span></span><span style=\"display:inherit;clear:left;\">Sty<span class=\"_ _8\"></span>ret</span><span style=\"display:inherit;clear:left;\">honorar</span><span style=\"display:inherit;clear:left;\">honorar</span><span style=\"display:inherit;clear:left;\">g<span class=\"_ _8\"></span>j<span class=\"_ _8\"></span>\u00f8re<span class=\"_ _8\"></span>ls<span class=\"_ _8\"></span>e</span><span style=\"display:inherit;clear:left;\">g<span class=\"_ _8\"></span>j<span class=\"_ _8\"></span>\u00f8re<span class=\"_ _8\"></span>ls<span class=\"_ _8\"></span>e</span><span style=\"display:inherit;clear:left;\">Arild Hugleik B\u00f8dal<span class=\"_ _222\"> </span>Styrets leder<span class=\"_ _15\"> </span><span class=\"lsd wsd\">590 000<span class=\"_ _89\"> </span><span class=\"lsa wsa\">144 4<span class=\"_ _8\"></span>00<span class=\"_ _dc\"> </span><span class=\"ls120 ws1cb\">734 4<span class=\"_ _8\"></span>00<span class=\"_ _107\"> </span></span></span>68<span class=\"_ _8\"></span>3 000</span></span><span style=\"display:inherit;clear:left;\">Magne Morken<span class=\"_ _1f4\"> </span></span><span style=\"display:inherit;clear:left;\">Styrets nestleder<span class=\"_ _86\"> </span></span><span style=\"display:inherit;clear:left;\">293 750<span class=\"_ _85\"> </span></span><span style=\"display:inherit;clear:left;\">123 6<span class=\"_ _8\"></span>00<span class=\"_ _89\"> </span><span class=\"ls59 wsac\">417<span class=\"_ _8\"></span> 3<span class=\"_ _8\"></span>5<span class=\"_ _a\"></span>0<span class=\"_ _65\"> </span><span class=\"ls10 ws10\">3<span class=\"_ _8\"></span>69 250</span></span></span><span style=\"display:inherit;clear:left;\">Agnethe Brekk<span class=\"_ _1\"></span>e<span class=\"_ _20c\"> </span></span><span style=\"display:inherit;clear:left;\">Styremedlem<span class=\"_ _117\"> </span><span class=\"ls10 ws10\">256 250<span class=\"_ _189\"> </span></span></span><span style=\"display:inherit;clear:left;\">121 000</span><span style=\"display:inherit;clear:left;\"><span class=\"_ _cb\"> </span><span class=\"ls10 ws10\">377<span class=\"_ _8\"></span> 250<span class=\"_ _65\"> </span>356<span class=\"_ _8\"></span> 250</span></span><span style=\"display:inherit;clear:left;\">Christine Sagen Helg\u00f8<span class=\"_ _1fc\"> </span></span><span style=\"display:inherit;clear:left;\">Styr<span class=\"_ _1\"></span>emedlem<span class=\"_ _25\"> </span><span class=\"ls10 ws10\">256 250<span class=\"_ _65\"> </span><span class=\"ls0 ws0\">11<span class=\"_ _8\"></span>8 500<span class=\"_ _b7\"> </span><span class=\"ls124 ws1ce\">3<span class=\"_ _a\"></span>74<span class=\"_ _8\"></span> 7<span class=\"_ _8\"></span>5<span class=\"_ _a\"></span>0<span class=\"_ _6f\"> </span></span></span>33<span class=\"_ _8\"></span>9 250</span></span><span style=\"display:inherit;clear:left;\">Gunnar Skeie<span class=\"_ _195\"> </span></span><span style=\"display:inherit;clear:left;\">Styremedlem<span class=\"_ _25\"> </span><span class=\"ls10 ws10\">256 250<span class=\"_ _86\"> </span><span class=\"ls122 ws1cc\">128 10<span class=\"_ _8\"></span>0<span class=\"_ _19a\"> </span><span class=\"ls0 ws0\">38<span class=\"_ _8\"></span>4 350<span class=\"_ _65\"> </span></span></span>3<span class=\"_ _8\"></span>39 25<span class=\"_ _8\"></span>0</span></span><span style=\"display:inherit;clear:left;\">Henrik Mogens<span class=\"_ _1\"></span> Gundersen<span class=\"_ _22d\"> </span>Styremedlem<span class=\"_ _25\"> </span><span class=\"ls10 ws10\">256 250<span class=\"_ _43\"> </span><span class=\"ls0 ws0\">0<span class=\"_ _d4\"> </span></span>256 25<span class=\"_ _8\"></span>0<span class=\"_ _65\"> </span><span class=\"ls84 wsdf\">24<span class=\"_ _8\"></span>3 75<span class=\"_ _8\"></span>0</span></span></span><span style=\"display:inherit;clear:left;\">Kristin R\u00f8<span class=\"_ _1\"></span>yrbotten Axelsen<span class=\"_ _16a\"> </span>St<span class=\"_ _8\"></span>yremedlem<span class=\"_ _df\"> </span></span><span style=\"display:inherit;clear:left;\">256 250<span class=\"_ _12\"> </span></span><span style=\"display:inherit;clear:left;\">14 10<span class=\"_ _8\"></span>0<span class=\"_ _d4\"> </span><span class=\"ls125 ws1cf\">2<span class=\"_ _8\"></span>70 3<span class=\"_ _8\"></span>5<span class=\"_ _8\"></span>0<span class=\"_ _6f\"> </span><span class=\"ls126 ws1d0\">252<span class=\"_ _8\"></span> 750</span></span></span><span style=\"display:inherit;clear:left;\">Marianne Dorthea Jacobsen<span class=\"_ _316\"> </span>Styremedlem<span class=\"_ _df\"> </span></span><span style=\"display:inherit;clear:left;\">256<span class=\"_ _8\"></span> 250<span class=\"_ _6b\"> </span></span><span style=\"display:inherit;clear:left;\">105 250<span class=\"_ _b7\"> </span><span class=\"ls0 ws0\">361 5<span class=\"_ _8\"></span>00<span class=\"_ _6f\"> </span><span class=\"ls21 ws175\">32<span class=\"_ _8\"></span>2 750</span></span></span><span style=\"display:inherit;clear:left;\">Stig Standal T<span class=\"_ _2\"></span>aule<span class=\"_ _170\"> </span>Styre<span class=\"_ _1\"></span>medlem<span class=\"_ _25\"> </span><span class=\"ls10 ws10\">256 250<span class=\"_ _43\"> </span><span class=\"ls0 ws0\">0<span class=\"_ _d4\"> </span></span>256<span class=\"_ _8\"></span> 250<span class=\"_ _ba\"> </span>196<span class=\"_ _8\"></span> 250</span></span><span style=\"display:inherit;clear:left;\">Kirsti Lovise<span class=\"_ _1\"></span> Slotsvik<span class=\"_ _317\"> </span></span><span style=\"display:inherit;clear:left;\">Styremedlem<span class=\"_ _df\"> </span></span><span style=\"display:inherit;clear:left;\">256<span class=\"_ _8\"></span> 250<span class=\"_ _5d\"> </span></span><span style=\"display:inherit;clear:left;\">18 9<span class=\"_ _8\"></span>00<span class=\"_ _cd\"> </span><span class=\"ls21 ws175\">275 1<span class=\"_ _8\"></span>50<span class=\"_ _74\"> </span>192<span class=\"_ _8\"></span> 750</span></span><span style=\"display:inherit;clear:left;\">P\u00e5l K\u00e5rb\u00f8 (<span class=\"_ _1\"></span>til<span class=\"_ _1\"></span> mars 2<span class=\"_ _1\"></span>022,<span class=\"_ _1\"></span> var<span class=\"_ _1\"></span>amedlem)<span class=\"_ _318\"> </span><span class=\"ls0 ws0\">0<span class=\"_ _21e\"> </span>0<span class=\"_ _84\"> </span>0<span class=\"_ _1a\"> </span>58 50<span class=\"_ _8\"></span>0</span></span><span style=\"display:inherit;clear:left;\">Ann<span class=\"_ _8\"></span>e Mar<span class=\"_ _8\"></span>it Ho<span class=\"_ _8\"></span>pe (til m<span class=\"_ _8\"></span>ars 2022)<span class=\"_ _280\"> </span>0<span class=\"_ _21e\"> </span>0<span class=\"_ _84\"> </span>0<span class=\"_ _5d\"> </span><span class=\"lsd wsd\">64 000</span></span><span style=\"display:inherit;clear:left;\">Bir<span class=\"_ _8\"></span>th<span class=\"_ _8\"></span>e K\u00e5fj<span class=\"_ _8\"></span>ord La<span class=\"_ _8\"></span>nge (til m<span class=\"_ _8\"></span>ars 2022)<span class=\"_ _319\"> </span>0<span class=\"_ _21e\"> </span>0<span class=\"_ _84\"> </span>0<span class=\"_ _14\"> </span>8<span class=\"_ _1\"></span>2 500</span><span style=\"display:inherit;clear:left;\">Karen Mar<span class=\"_ _1\"></span>gret<span class=\"_ _1\"></span>e Riisnes<span class=\"_ _257\"> </span>Var<span class=\"_ _1\"></span>amedlem<span class=\"_ _169\"> </span><span class=\"lsd wsd\">58 000<span class=\"_ _6f\"> </span>25 000<span class=\"_ _85\"> </span>83 000<span class=\"_ _98\"> </span><span class=\"ls31 ws81\">57<span class=\"_ _8\"></span> 25<span class=\"_ _8\"></span>0</span></span></span><span style=\"display:inherit;clear:left;\">A<span class=\"_ _1\"></span>tle Harald<span class=\"_ _1\"></span> Sandtorv<span class=\"_ _ef\"> </span>Var<span class=\"_ _1\"></span>amedlem<span class=\"_ _169\"> </span><span class=\"lsd wsd\">58 000<span class=\"_ _169\"> </span><span class=\"ls0 ws0\">0<span class=\"_ _6b\"> </span></span>58<span class=\"_ _1\"></span> 000<span class=\"_ _17\"> </span><span class=\"ls131 ws1dd\">41<span class=\"_ _8\"></span> 2<span class=\"_ _8\"></span>5<span class=\"_ _a\"></span>0</span></span></span><span style=\"display:inherit;clear:left;\">To<span class=\"_ _8\"></span>t<span class=\"_ _a\"></span>a<span class=\"_ _8\"></span>l<span class=\"_ _a\"></span>t<span class=\"_ _1b0\"> </span><span class=\"ls0 ws0\">3 049 750<span class=\"_ _cd\"> </span><span class=\"ls121 wsaa\">798 850<span class=\"_ _c3\"> </span></span>3 848 60<span class=\"_ _8\"></span>0<span class=\"_ _131\"> </span>3 598 750</span></span><span style=\"display:inherit;clear:left;\">Styrehonor<span class=\"_ _1\"></span>arer og<span class=\"_ _1\"></span> tilleggshonorarer f<span class=\"_ _1\"></span>or deltak<span class=\"_ _1\"></span>else i<span class=\"_ _1\"></span> utvalg f<span class=\"_ _1\"></span>\u00f8lger a<span class=\"_ _1\"></span>v<span class=\"_ _1\"></span> gener<span class=\"_ _1\"></span>alforsamling<span class=\"_ _1\"></span>svedtak.</span><span style=\"display:inherit;clear:left;\">Go<span class=\"_ _8\"></span>dtg<span class=\"_ _a\"></span>j\u00f8<span class=\"_ _8\"></span>rels<span class=\"_ _8\"></span>e til gen<span class=\"_ _8\"></span>eralfo<span class=\"_ _8\"></span>rsam<span class=\"_ _8\"></span>lin<span class=\"_ _8\"></span>gen i mo<span class=\"_ _8\"></span>rban<span class=\"_ _8\"></span>k utg<span class=\"_ _a\"></span>jo<span class=\"_ _8\"></span>rde 99 125 (92 375) kron<span class=\"_ _8\"></span>er<span class=\"_ _2\"></span>. I t<span class=\"_ _8\"></span>ille<span class=\"_ _8\"></span>g<span class=\"_ _8\"></span>g komm<span class=\"_ _8\"></span>er m\u00f8te<span class=\"_ _8\"></span>hon<span class=\"_ _8\"></span>orar  </span><span style=\"display:inherit;clear:left;\">p\u00e5 7<span class=\"_ _1\"></span>36 400<span class=\"_ _1\"></span> (906<span class=\"_ _1\"></span> 900)<span class=\"_ _1\"></span> kroner<span class=\"_ _0\"></span>.</span><span style=\"display:inherit;clear:left;\">L\u00e5n og sikk<span class=\"_ _1\"></span>erhetsstillelse til<span class=\"_ _1\"></span> ledende ansatt<span class=\"_ _1\"></span>e, ansa<span class=\"_ _1\"></span>tte<span class=\"_ _1\"></span> og tillits<span class=\"_ _1\"></span>valgte</span><span style=\"display:inherit;clear:left;\">(tall i t<span class=\"_ _8\"></span>usen k<span class=\"_ _8\"></span>rone<span class=\"_ _8\"></span>r)</span><span style=\"display:inherit;clear:left;\">MORBANK<span class=\"_ _e2\"> </span>K<span class=\"_ _1\"></span>ONSERN</span><span style=\"display:inherit;clear:left;\">L\u00e5n og sikkerhe<span class=\"_ _1\"></span>ts<span class=\"_ _1\"></span>stillelse til k<span class=\"_ _1\"></span>onsernledelsen<span class=\"_ _2dd\"> </span><span class=\"lsf6 ws158\">2023<span class=\"_ _e9\"> </span>2022<span class=\"_ _e9\"> </span>202<span class=\"_ _8\"></span>3<span class=\"_ _91\"> </span>202<span class=\"_ _8\"></span>2</span></span><span style=\"display:inherit;clear:left;\">Konsernsje<span class=\"_ _1\"></span>f Jan Erik Kjerpese<span class=\"_ _1\"></span>th<span class=\"_ _2cf\"> </span>2<span class=\"_ _43\"> </span>0<span class=\"_ _78\"> </span>8 002<span class=\"_ _17\"> </span>7 000</span><span style=\"display:inherit;clear:left;\">\u00d8vrige medlemmer i k<span class=\"_ _1\"></span>onsernledelsen<span class=\"_ _148\"> </span>2<span class=\"_ _1\"></span>4 651<span class=\"_ _98\"> </span>21 016<span class=\"_ _ba\"> </span><span class=\"ls82 ws14b\">56 4<span class=\"_ _8\"></span>80<span class=\"_ _72\"> </span></span>53 314</span><span style=\"display:inherit;clear:left;\">L\u00e5n gitt til gener<span class=\"_ _1\"></span>elle vilk\u00e5r f<span class=\"_ _1\"></span>or ansa<span class=\"_ _1\"></span>t<span class=\"_ _1\"></span>te<span class=\"_ _81\"> </span><span class=\"ff1\">24 653<span class=\"_ _1a\"> </span>21 016<span class=\"_ _6f\"> </span>64 482<span class=\"_ _74\"> </span>60 314</span></span><span style=\"display:inherit;clear:left;\">L\u00e5n og sikk<span class=\"_ _1\"></span>erhetsstillelse til<span class=\"_ _1\"></span> tillitsv<span class=\"_ _1\"></span>algte, morbank</span><span style=\"display:inherit;clear:left;\">Sty<span class=\"_ _8\"></span>ret</span><span style=\"display:inherit;clear:left;\">Arild Hugleik B\u00f8dal<span class=\"_ _222\"> </span><span class=\"ls0 ws0\">Styre<span class=\"_ _1\"></span>ts leder<span class=\"_ _f0\"> </span>4<span class=\"_ _a0\"> </span><span class=\"ls122 ws1cc\">12<span class=\"_ _21e\"> </span></span>4<span class=\"_ _84\"> </span><span class=\"ls122 ws1cc\">12</span></span></span><span style=\"display:inherit;clear:left;\">Magne Morken<span class=\"_ _1f4\"> </span><span class=\"ls0 ws0\">Styre<span class=\"_ _1\"></span>ts nes<span class=\"_ _1\"></span>tleder<span class=\"_ _67\"> </span>0<span class=\"_ _21e\"> </span>0<span class=\"_ _43\"> </span>0<span class=\"_ _43\"> </span>0</span></span><span style=\"display:inherit;clear:left;\">Agnethe Brekk<span class=\"_ _1\"></span>e<span class=\"_ _20c\"> </span><span class=\"ls0 ws0\">Styremedlem<span class=\"_ _f7\"> </span>0<span class=\"_ _43\"> </span>0<span class=\"_ _21e\"> </span>0<span class=\"_ _43\"> </span>0</span></span><span style=\"display:inherit;clear:left;\">Gunnar Skeie<span class=\"_ _195\"> </span><span class=\"ls0 ws0\">Styremedlem<span class=\"_ _f7\"> </span>0<span class=\"_ _43\"> </span>0<span class=\"_ _21e\"> </span>0<span class=\"_ _43\"> </span>0</span></span><span style=\"display:inherit;clear:left;\">Henrik Mogens<span class=\"_ _1\"></span> Gundersen<span class=\"_ _22d\"> </span><span class=\"ls0 ws0\">Styreme<span class=\"_ _1\"></span>dlem<span class=\"_ _103\"> </span><span class=\"ls133 ws1e0\">46<span class=\"_ _48\"> </span>95<span class=\"_ _9a\"> </span><span class=\"ls126 ws1d0\">1 586<span class=\"_ _8b\"> </span></span></span>1 635</span></span><span style=\"display:inherit;clear:left;\">Kristin R\u00f8<span class=\"_ _1\"></span>yrbotten Axelsen<span class=\"_ _16a\"> </span></span><span style=\"display:inherit;clear:left;\">Styremedlem<span class=\"_ _f7\"> </span>0<span class=\"_ _43\"> </span>0<span class=\"_ _21a\"> </span><span class=\"ls125 ws1cf\">2<span class=\"_ _8\"></span> 7<span class=\"_ _8\"></span>70<span class=\"_ _8d\"> </span><span class=\"lsa wsa\">2 535</span></span></span><span style=\"display:inherit;clear:left;\">Marianne Dorthea Jacobsen<span class=\"_ _316\"> </span><span class=\"ls0 ws0\">Styr<span class=\"_ _1\"></span>emedlem<span class=\"_ _f7\"> </span>0<span class=\"_ _43\"> </span>0<span class=\"_ _3e\"> </span><span class=\"lsa wsa\">3 27<span class=\"_ _8\"></span>7<span class=\"_ _8d\"> </span></span>3 33<span class=\"_ _8\"></span>6</span></span><span style=\"display:inherit;clear:left;\">Christine Sagen Helg\u00f8<span class=\"_ _1fc\"> </span><span class=\"ls0 ws0\">S<span class=\"_ _1\"></span>tyreme<span class=\"_ _1\"></span>dlem<span class=\"_ _f3\"> </span>0<span class=\"_ _21e\"> </span>0<span class=\"_ _43\"> </span>0<span class=\"_ _43\"> </span>0</span></span><span style=\"display:inherit;clear:left;\">Stig Standal T<span class=\"_ _2\"></span>aule<span class=\"_ _170\"> </span><span class=\"ls0 ws0\">S<span class=\"_ _1\"></span>tyremedlem<span class=\"_ _f0\"> </span>3<span class=\"_ _49\"> </span><span class=\"ls123 ws1cd\">10<span class=\"_ _21a\"> </span><span class=\"ls21 ws175\">2 073<span class=\"_ _18\"> </span></span></span>2 0<span class=\"_ _8\"></span>40</span></span><span style=\"display:inherit;clear:left;\">Kir<span class=\"_ _8\"></span>sti Lovi<span class=\"_ _8\"></span>se Sl<span class=\"_ _8\"></span>otsvi<span class=\"_ _8\"></span>k <span class=\"_ _260\"> </span>Styr<span class=\"_ _1\"></span>emedlem<span class=\"_ _f7\"> </span>0<span class=\"_ _43\"> </span>0<span class=\"_ _43\"> </span>0<span class=\"_ _21e\"> </span>0</span><span style=\"display:inherit;clear:left;\">Kare<span class=\"_ _8\"></span>n Marg<span class=\"_ _8\"></span>rete Ri<span class=\"_ _8\"></span>isne<span class=\"_ _8\"></span>s <span class=\"_ _23c\"> </span>V<span class=\"_ _1\"></span>ar<span class=\"_ _1\"></span>amedlem<span class=\"_ _e4\"> </span>0<span class=\"_ _43\"> </span>0<span class=\"_ _97\"> </span><span class=\"ls9 ws9\">32<span class=\"_ _8\"></span>2<span class=\"_ _95\"> </span><span class=\"ls12e ws1d8\">444</span></span></span><span style=\"display:inherit;clear:left;\">Atle Ha<span class=\"_ _8\"></span>rald Sa<span class=\"_ _8\"></span>ndto<span class=\"_ _8\"></span>rv <span class=\"_ _2c7\"> </span>V<span class=\"_ _2\"></span>aramedlem<span class=\"_ _4f\"> </span>2<span class=\"_ _c8\"> </span>2<span class=\"_ _c8\"> </span>2<span class=\"_ _c8\"> </span>2</span><span style=\"display:inherit;clear:left;\">L\u00e5n gitt p\u00e5 ordin\u00e6r<span class=\"_ _1\"></span>e k<span class=\"_ _1\"></span>undebeting<span class=\"_ _1\"></span>elser med unn<span class=\"_ _1\"></span>tak </span><span style=\"display:inherit;clear:left;\">a<span class=\"_ _1\"></span>v ansa<span class=\"_ _1\"></span>ttr<span class=\"_ _1\"></span>epr<span class=\"_ _1\"></span>esen<span class=\"_ _1\"></span>tan<span class=\"_ _1\"></span>ter<span class=\"_ _fe\"> </span></span><span style=\"display:inherit;clear:left;\">55<span class=\"_ _99\"> </span><span class=\"ls9 ws9\">119<span class=\"_ _74\"> </span></span></span><span style=\"display:inherit;clear:left;\"><span class=\"ff1\">10 0<span class=\"_ _8\"></span>35<span class=\"_ _6e\"> </span>10 0<span class=\"_ _8\"></span>04</span></span><span style=\"display:inherit;clear:left;\">Generalfor<span class=\"_ _1\"></span>samlingen</span><span style=\"display:inherit;clear:left;\">Sivert S\u00f8rnes, gener<span class=\"_ _1\"></span>alf<span class=\"_ _1\"></span>orsamlingens<span class=\"_ _1\"></span> leder <span class=\"_ _1cd\"> </span></span><span style=\"display:inherit;clear:left;\">1 269<span class=\"_ _8b\"> </span><span class=\"ls0 ws0\">1 296<span class=\"_ _9a\"> </span><span class=\"ls82 ws14b\">1 979<span class=\"_ _75\"> </span></span>2 775</span></span><span style=\"display:inherit;clear:left;\">\u00d8vrige medlemmer a<span class=\"_ _1\"></span>v g<span class=\"_ _1\"></span>ener<span class=\"_ _1\"></span>alfor<span class=\"_ _1\"></span>samlingen med unn<span class=\"_ _1\"></span>tak a<span class=\"_ _1\"></span>v </span><span style=\"display:inherit;clear:left;\">ansa<span class=\"_ _1\"></span>ttr<span class=\"_ _1\"></span>epr<span class=\"_ _1\"></span>esen<span class=\"_ _1\"></span>tant<span class=\"_ _1\"></span>er <span class=\"_ _15e\"> </span>23 010<span class=\"_ _93\"> </span>26 4<span class=\"_ _8\"></span>51<span class=\"_ _74\"> </span><span class=\"ls11e wsb9\">62 629<span class=\"_ _74\"> </span></span>62 388</span><span style=\"display:inherit;clear:left;\">L\u00e5n gitt p\u00e5 ordin\u00e6r<span class=\"_ _1\"></span>e kundebeting<span class=\"_ _1\"></span>elser<span class=\"_ _f5\"> </span></span><span style=\"display:inherit;clear:left;\">24<span class=\"_ _8\"></span> 279<span class=\"_ _5d\"> </span></span><span style=\"display:inherit;clear:left;\">2<span class=\"_ _a\"></span>7<span class=\"_ _8\"></span> 74<span class=\"_ _8\"></span>7<span class=\"_ _6f\"> </span><span class=\"ls0 ws0\">6<span class=\"_ _8\"></span>4 608<span class=\"_ _5d\"> </span>6<span class=\"_ _8\"></span>5 163</span></span><span style=\"display:inherit;clear:left;\">1)</span><span style=\"display:inherit;clear:left;\">Samlet utl\u00e5n<span class=\"_ _1\"></span> og sikk<span class=\"_ _1\"></span>erhetsstillelse til<span class=\"_ _1\"></span> ansatt<span class=\"_ _1\"></span>e </span><span style=\"display:inherit;clear:left;\">662 790<span class=\"_ _6b\"> </span></span><span style=\"display:inherit;clear:left;\">527 15<span class=\"_ _8\"></span>5<span class=\"_ _5c\"> </span><span class=\"ls0 ws0\">2 442 58<span class=\"_ _8\"></span>2<span class=\"_ _19a\"> </span>2 172 315</span></span><span style=\"display:inherit;clear:left;\">1)</span><span style=\"display:inherit;clear:left;\"> Eksklusiv<span class=\"_ _1\"></span> konsernledelsen og<span class=\"_ _1\"></span> ansattr<span class=\"_ _1\"></span>epresentant<span class=\"_ _1\"></span>er i styr<span class=\"_ _1\"></span>et.</span><span style=\"display:inherit;clear:left;\">Subsidiekostna<span class=\"_ _1\"></span>den kn<span class=\"_ _1\"></span>yttet til r<span class=\"_ _1\"></span>entesubsidiering<span class=\"_ _1\"></span> a<span class=\"_ _1\"></span>v l\u00e5n ti<span class=\"_ _1\"></span>l ansa<span class=\"_ _1\"></span>tte er ikk<span class=\"_ _1\"></span>e bokf\u00f8rt som driftsk<span class=\"_ _1\"></span>ostnad og<span class=\"_ _1\"></span> p\u00e5v<span class=\"_ _1\"></span>irker<span class=\"_ _1\"></span> bankens<span class=\"_ _1\"></span> rent<span class=\"_ _1\"></span>e-</span><span style=\"display:inherit;clear:left;\">net<span class=\"_ _8\"></span>to. L\u00e5<span class=\"_ _8\"></span>n til a<span class=\"_ _8\"></span>nsat<span class=\"_ _8\"></span>te subs<span class=\"_ _8\"></span>idi<span class=\"_ _8\"></span>eres m<span class=\"_ _8\"></span>ed et rab<span class=\"_ _8\"></span>attel<span class=\"_ _8\"></span>eme<span class=\"_ _8\"></span>nt p\u00e5 ordi<span class=\"_ _8\"></span>n\u00e6re k<span class=\"_ _8\"></span>unde<span class=\"_ _8\"></span>bet<span class=\"_ _8\"></span>ingel<span class=\"_ _8\"></span>ser<span class=\"_ _1\"></span>, hhv<span class=\"_ _1\"></span>. 25 % rabatt fo<span class=\"_ _8\"></span>r l\u00e5n me<span class=\"_ _8\"></span>d fly<span class=\"_ _8\"></span>te<span class=\"_ _8\"></span>nde rent<span class=\"_ _8\"></span>e </span><span style=\"display:inherit;clear:left;\">og 0,65 %-po<span class=\"_ _8\"></span>eng fo<span class=\"_ _8\"></span>r l\u00e5n m<span class=\"_ _8\"></span>ed fast re<span class=\"_ _8\"></span>nte.</span>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfRelatedPartyExplanatory",
    "language": "no",
    "entity": "scheme:213800M7T3CYVZ3ZRT12",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "s10_notes__6__97": {
   "value": "<span style=\"display:inherit;clear:left;\">Virksomhetssammenslutninger</span><span style=\"display:inherit;clear:left;\">Virksomhetssammenslutninger<span class=\"_ _1\"></span> regnskapsf\u00f8r<span class=\"_ _1\"></span>es i<span class=\"_ _1\"></span> henhold til oppkj\u00f8psmet<span class=\"_ _1\"></span>oden. V<span class=\"_ _1\"></span>ederlaget<span class=\"_ _1\"></span> m\u00e5les til virk<span class=\"_ _1\"></span>elig v<span class=\"_ _1\"></span>erdi<span class=\"_ _1\"></span> p\u00e5 </span><span style=\"display:inherit;clear:left;\">oppkj\u00f8pstidspunk<span class=\"_ _8\"></span>tet. Direkte o<span class=\"_ _1\"></span>vertagelse<span class=\"_ _8\"></span>skostnader<span class=\"_ _1\"></span> kostnadsf<span class=\"_ _1\"></span>\u00f8res n\u00e5r de<span class=\"_ _1\"></span> oppst\u00e5r<span class=\"_ _2\"></span>, med unntak av emisjons<span class=\"_ _1\"></span>-<span class=\"_ _1\"></span> og </span><span style=\"display:inherit;clear:left;\">l\u00e5neopptaksutgifter<span class=\"_ _2\"></span>.</span><span style=\"display:inherit;clear:left;\">Overtatte eiendeler<span class=\"_ _1\"></span> og g<span class=\"_ _8\"></span>jeld balansef<span class=\"_ _1\"></span>\u00f8res til<span class=\"_ _1\"></span> virkelig<span class=\"_ _1\"></span> ver<span class=\"_ _1\"></span>di i<span class=\"_ _1\"></span> \u00e5pningsbalansen i<span class=\"_ _1\"></span> konserne<span class=\"_ _1\"></span>t. Dersom v<span class=\"_ _1\"></span>ederlaget o<span class=\"_ _1\"></span>verstig<span class=\"_ _1\"></span>er v<span class=\"_ _1\"></span>erdien<span class=\"_ _1\"></span> av<span class=\"_ _1\"></span> </span><span style=\"display:inherit;clear:left;\">identifiserte eiendeler og<span class=\"_ _1\"></span> forpliktelser r<span class=\"_ _1\"></span>egnskapsf\u00f8r<span class=\"_ _1\"></span>es differ<span class=\"_ _1\"></span>ansen som<span class=\"_ _1\"></span> goodwill. Dersom<span class=\"_ _1\"></span> anskaff<span class=\"_ _1\"></span>elseskost<span class=\"_ _1\"></span> er la<span class=\"_ _1\"></span>ver<span class=\"_ _1\"></span>e enn<span class=\"_ _1\"></span> </span><span style=\"display:inherit;clear:left;\">identifiserte eiendeler og<span class=\"_ _1\"></span> forpliktelser (<span class=\"_ _1\"></span>negati<span class=\"_ _1\"></span>v goodwill)<span class=\"_ _1\"></span>, r<span class=\"_ _1\"></span>esulta<span class=\"_ _1\"></span>tf\u00f8res di<span class=\"_ _1\"></span>fferansen<span class=\"_ _1\"></span> p\u00e5 tr<span class=\"_ _1\"></span>ansaksjonstidspunktet.<span class=\"_ _1\"></span> F<span class=\"_ _1\"></span>or ytterligere<span class=\"_ _1\"></span> </span><span style=\"display:inherit;clear:left;\">detaljer knyttet til r<span class=\"_ _1\"></span>egnskapsme<span class=\"_ _8\"></span>ssig behandling av<span class=\"_ _1\"></span> goodwill se not<span class=\"_ _1\"></span>e 33. </span><span style=\"display:inherit;clear:left;\">Betingede v<span class=\"_ _1\"></span>ederlag klassifiseres som<span class=\"_ _1\"></span> en forpliktelse<span class=\"_ _1\"></span> og regnskapsf<span class=\"_ _1\"></span>\u00f8res ti<span class=\"_ _1\"></span>l virk<span class=\"_ _1\"></span>elig ver<span class=\"_ _1\"></span>di i<span class=\"_ _1\"></span> etterf\u00f8lgende perioder med<span class=\"_ _1\"></span> </span><span style=\"display:inherit;clear:left;\">ver<span class=\"_ _1\"></span>diendringer o<span class=\"_ _1\"></span>ver<span class=\"_ _1\"></span> resulta<span class=\"_ _1\"></span>t.</span>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForBusinessCombinationsAndGoodwillExplanatory",
    "language": "no",
    "entity": "scheme:213800M7T3CYVZ3ZRT12",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  }
 }
}